Literasi Keuangan Digital Dan Perilaku Pengelolaan Keuangan Sebagai Pendorong Keputusan Investasi
Digital Financial Literacy And Financial Management Behavior As Driven Of Investment Decisions
DOI:
https://doi.org/10.21831/jpai.v23i2.89538Keywords:
Literasi Keuangan Digital, Perilaku Pengelolaan Keuangan Keputusan InvestasiAbstract
Pelaku UMKM di era digital diharapkan dapat meningkatkan perekonomian dan kesejahteraan masyarakat dengan membuat keputusan investasi individu mereka, termasuk bagaimana mereka mengalokasikan modal pribadi, memilih instrumen investasi, dan memutuskan tingkat risiko yang siap diambil untuk kemajuan usaha dan kesejahteraan keluarga. Studi ini bertujuan untuk menentukan bagaimana perilaku pengelolaan keuangan dan literasi keuangan digital memengaruhi keputusan investasi individu. Fokus penelitian ini adalah pelaku UMKM di Bandung. Penelitian kuantattif ini menggunakan explanatory survei untuk mengetahui literasi keuangan digital, perilaku pengelolaan keuangan, dan pilihan investasi. Metode sampling convenience digunakan untuk mengumpulkan sampel dari sejumah 192 orang yang menjawab. Analisis regresi moderasi digunakan untuk melakukan analisis ini. Uji asumsi klasik dilakukan setelah itu. Hasil penelitian menunjukkan bahwa membuat keputusan investasi lebih baik jika orang tahu tentang keuangan digital dan perilaku pengelolaan keuangan. Dengan kata lain, lebih banyak pengetahuan seseorang tentang keuangan digital dan perilaku pengelolaan keuangan, lebih baik mereka membuat keputusan investasi. Sehingga akan memiliki kemampuan untuk meningkatkan kesejahreraan finansial. Sehingga akan berdampak pada keberlangsungan usaha dan juga berdampak pada ekonomi yang lebih luas bagi kesejahteraan masayarakat dan pertumbuhan ekonomi daerah.
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