Leni Yuliyanti, Badria Muntashofi

Literasi Keuangan Digital Dan Perilaku Pengelolaan Keuangan Sebagai Pendorong Keputusan Investasi

Introduction

Literasi keuangan digital dan perilaku pengelolaan keuangan sebagai pendorong keputusan investasi . Penelitian ini mengkaji pengaruh literasi keuangan digital & perilaku pengelolaan keuangan terhadap keputusan investasi UMKM di Bandung. Tingkatkan kesejahteraan finansial & ekonomi melalui investasi cerdas.

Abstract

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.

Review

This study addresses a highly relevant and timely topic concerning the drivers of investment decisions among Micro, Small, and Medium Enterprises (MSMEs) in the digital era. The authors aim to establish the influence of digital financial literacy and financial management behavior on individual investment choices, which is crucial for enhancing economic well-being and business sustainability. Focusing on MSMEs in Bandung, the research employs a quantitative explanatory survey design to investigate these relationships. The core contribution lies in affirming that improved digital financial literacy and sound financial management practices are positively associated with better investment decisions, thereby potentially boosting the financial prosperity of MSME actors and contributing to broader economic growth. From a methodological standpoint, the research utilizes an explanatory survey with a sample of 192 respondents collected through convenience sampling, which is a common approach in such studies, though it inherently limits the generalizability of findings. The use of moderation regression for analysis, coupled with classic assumption tests, suggests a rigorous statistical approach to investigate the hypothesized relationships. The abstract clearly articulates the main finding: a stronger understanding of digital finance and better financial management behavior lead to more effective investment decisions. This direct and positive correlation is a significant takeaway, aligning with existing literature that emphasizes the importance of financial knowledge and prudent behavior for sound economic choices. While the study's findings offer valuable insights into the factors influencing MSME investment decisions, particularly within the Indonesian context, there are areas for further exploration. The abstract hints at the broader implications for business continuity and regional economic development, which are compelling, but the direct causal link from the study's findings to these large-scale outcomes could be elaborated upon in the full paper. Future research might benefit from specifying the types of investment decisions examined or the particular facets of financial management behavior considered. Furthermore, despite mentioning moderation regression, the abstract's conclusion primarily highlights direct effects; clarifying the role and significance of any moderating variables would enhance the methodological contribution. Expanding the geographical scope or employing alternative sampling methods could also strengthen the external validity of these important findings.

Full Text

Comments

You need to be logged in to post a comment.