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Through the use of financial behavior as a mediator, this study attempts to investigate the relationship between financial literacy and income on investment decisions. The research focused on 53 MSMEs in the service sector located in Kecamatan Padang Barat, Kota Padang. Nonprobability sampling was employed, specifically Total Sampling, encompassing all 53 actively investing service MSMEs. Data analysis was conducted using SPSS 23. Findings revealed that financial literacy had a non-significant negative relationship with financial behavior, whereas income exhibited a positive association on financial behavior. Financial literacy negatively influenced investment decisions, while income and financial behavior positively impacted investment decisions. Moreover, the study concluded that financial literacy and income did not influence investment decisions through financial behavior. [ABSTRACT FROM AUTHOR]

This community service aimed to empower high school students by providing education on financial planning at Senior High School 5 Pare pare, South Sulawesi. The methods employed included interactive workshops, presentations, and hands-on activities designed to enhance students’ understanding of financial literacy, budgeting, and savings. Pre-test and post-test assessments were administered to measure the participants' financial literacy levels before and after the intervention. The results demonstrated a significant increase in students’ awareness and knowledge of managing personal finances, as reflected in post-workshop surveys and group discussions. Participants showed an improved ability to plan and prioritize their financial goals, contributing to their overall preparedness for future financial challenges. This initiative effectively promoted responsible financial behavior among students.

Since 2019, capital market investors have surged, primarily those under 40 years old, called millennials and Gen Z. However, the financial literacy of Indonesians is low, with victims of fictitious investment cases increasing yearly. This study aims to determine the effect of Financial Literacy (FL) and Investment Experience (IE) on Investment Decisions (ID) with Risk Tolerance (RT) as a mediating variable. The method used is Partial Least Square and involves 185 stock investors aged 18 to 40 years domiciled in Java and Bali, using a purposive sampling technique and the Hair formula. This study found that FL and IE have a significant and positive effect on ID, FL and IE have a significant and positive effect on RT, RT has a significant effect and positive on ID, FL and IE have a significant and positive effect on ID through RT.

Generation Z has great potential to become future investors. However, their interest in investing remains relatively low. This study analyzes the influence of learning channels on investment interest, with financial literacy as a mediating variable among Generation Z students in Yogyakarta, using the Partial Least Square (PLS) method. The results show that learning channels have a positive and significant impact on financial literacy and investment interest. Financial literacy also has a significant effect on investment interest, though its impact is weaker compared to the influence of learning channels. Mediation tests reveal that financial literacy mediates the relationship between learning channels and investment interest, although the effect is small. Learning channels have a strong influence on students' investment interest, with financial literacy serving as a connecting factor. Generasi Z memiliki potensi besar untuk menjadi investor di masa depan. Namun, minat mereka dalam berinvestasi masih tergolong rendah. Penelitian ini menganalisis pengaruh saluran pembelajaran terhadap minat investasi dengan literasi keuangan sebagai variabel mediasi pada mahasiswa Generasi Z di Yogyakarta, menggunakan metode Partial Least Square (PLS). Hasilnya menunjukkan bahwa saluran pembelajaran berpengaruh positif dan signifikan terhadap literasi keuangan dan minat investasi. Literasi keuangan juga berpengaruh signifikan terhadap minat investasi, namun dampaknya lebih lemah dibandingkan pengaruh saluran pembelajaran. Uji mediasi mengungkap bahwa literasi keuangan memediasi hubungan antara saluran pembelajaran dan minat investasi, meskipun efeknya kecil. Saluran pembelajaran terbukti memiliki pengaruh besar terhadap minat investasi mahasiswa, dengan literasi keuangan berperan sebagai penghubung.

Micro, Small, and Medium Enterprises (MSMEs) have an important role in economic growth and development in Indonesia. MSMEs are an integral part of the national business world and have a strategic position, potential, and role in realizing national development goals. The way to achieve the goals above, it is necessary to have MSMEs that can survive in various conditions. Good management is needed in managing these MSMEs, one of which is the financial behavior of MSMEs because financial behavior is an individual's perception of controlling sources of funds (money). This research aims to analyze the role of financial factors that can influence the financial behavior of MSMEs. This research uses a quantitative method with a structural equation model. So, MSMEs need to have good financial behavior to maintain business continuity. The financial factors used in this research are Financial Literacy, Financial Attitude, Locus of Control, and Financial knowledge. The research results show that all the variables used have an impact on the financial behavior of MSMEs in Gresik.

MSMEs are one of the economic icons that have the biggest impact on Indonesia's economic growth, especially when a crisis occurs. MSMEs are able to get through monetary crises such as in 1998 and during the Covid-19 pandemic. MSMEs are independent and have great potential to improve community welfare. This research aims to examine the influence of the variable’s financial literacy, financial inclusion, financial self-efficacy, financial technology, credit granting, and intellectual capital on the financial performance of MSMEs in the Bangka Belitung Islands Province. This research is quantitative research with an associative method using a quantitative approach from primary data through distributing questionnaires. The sampling method was nonprobability sampling with a purposive sampling technique so that 102 MSME actors were obtained. The data analysis technique uses SPSS version 26 software. The research results prove that partial financial inclusion (X2), financial technology (X4), credit granting (X5), and intellectual capital (X6) have a positive and significant effect on the financial performance of MSMEs, while financial literacy (X1) and financial self-efficacy (X3) do not have a positive and significant effect on the financial performance of MSMEs. Simultaneously, the variables financial literacy, financial inclusion, financial self-efficacy, financial technology, credit granting, and intellectual capital have a positive and significant effect on the financial performance of MSMEs in the Bangka Belitung Islands. The R Square value in this research is 0.885, so it is concluded that 88.5% of the variation in the dependent variable can be explained by the independent variable and the remaining 11.5% is influenced by other variables not examined in this research. It is hoped that the research results can become reference material and motivation for MSMEs in improving the financial performance of their businesses.

Financial literacy in Indonesia, especially in rural areas, still needs to be improved. In Sindangkasih District, Majalengka, three elementary schools face challenges in teaching financial literacy to students. This community service program aims to instill an understanding of financial literacy and encourage creative practices for students to manage their finances. Financial literacy education is carried out through conventional methods, including three stages: planning, implementation, and monitoring and evaluation. The results of this activity show that students' understanding of money management reaches an average of more than 60%, and the frequency of students' saving activities is around twice a week. These findings indicate that students can gradually understand and apply financial literacy education, especially through routine savings habits.

This research aims to analyze the retirement planning of employees belonging to the sandwich generation by considering financial literacy, collectivist culture, and family financial responsibility that promote financial and psychological well-being. We run the SEM-PLS to analyze the data from 200 sandwich-generation employees between 25-55 years old. The results demonstrate that financial literacy positively affects financial and psychological well-being, collectivist culture positively affects family financial responsibility, family financial responsibility affects retirement planning and psychological well-being, as well as retirement planning positively affects financial and psychological well-being. These findings indicate that personal and financial factors contribute to retirement planning for sandwich generation employees. It is hoped that planning for retirement early can break the chain of births of the next sandwich generation in the family, so that financial and psychological well-being can be achieved. This paper implies that sandwich-generation employees must plan their retirements early and wisely to achieve financial well-being and even break the chain of the next sandwich-generation.

The financial stability of young adults worldwide is under threat due to widespread impulsive online purchasing and the economic strain brought on by the COVID-19 pandemic. This study, therefore, examines the role of financial literacy as a mediator between financial behavior and the financial well-being of young adults, specifically in Nigeria. The research involved 120 respondents, 60 undergraduate and 60 postgraduate students from three selected universities in Western Nigeria. Information was gathered through a structured questionnaire. Data analysis was conducted using Structured Equation Modeling with STATA version 15. The findings reveal a positive association between financial behavior and financial well-being, although this relationship lacks statistical significance. However, significant positive correlations are observed between financial literacy (FL) and financial well-being (FW), as well as between financial behavior (FB) and financial literacy (FL). Furthermore, the analysis uncovers a positive indirect effect of financial literacy on the relationship between financial behavior and financial well-being. This suggests that while the direct link between financial behavior and well-being may be weak, improved financial behavior can indirectly enhance well-being through heightened financial literacy. In essence, the study underscores the crucial role of financial literacy in improving young adults' financial behaviors and well-being. By investing in education, support services, and policies that encourage positive financial behaviors, both individuals and policymakers can collaborate toward constructing a more financially secure future for the younger generation.

Financial literacy and inclusion are the keys to business success, especially in managing finances well. This research aims to provide an overview of financial literacy and inclusion of local woven entrepreneurs in East Sumba Regency. The sample used was 78 respondents using a purposive sampling technique, spread across three weaving centers in East Sumba Regency, namely Mbatakapidu Village, Malumbi Village, and Kotak Kawau Village, using descriptive analysis techniques. The conclusion of this research is that the level of literacy understanding and financial inclusion of local woven entrepreneurs in East Sumba Regency is categorized as good, but the financial practices carried out by entrepreneurs tend to be carried out less well.

This research investigates the impact of financial literacy and investment knowledge on gold investment decisions among 30 members of the EOA Gold community in Malang, covering Batu City, Malang City, and Malang Regency. Data collected through surveys and questionnaires were analyzed using multiple linear regression in IBM SPSS version 29. The findings indicate that while financial literacy alone does not significantly influence gold investment decisions, investment knowledge plays a crucial role. Moreover, financial literacy and investment knowledge significantly affect these decisions when considered together. These results underscore the importance of enhancing investment knowledge among investors to make informed decisions about gold investments. The implications suggest that targeted educational programs and strategies focusing on investment knowledge could improve financial decision-making outcomes in gold investments.

Economic growth in Indonesia in the micro, small and medium enterprise (MSMEs) sector often needs help in the short term. Regional government efforts to promote education and literacy have strengthened the importance of digitalization in increasing MSME's income, especially after the pandemic. This research analyses how financial literacy and financial technology (fintech) influence the sustainability of MSMEs in Malang. This type of research is quantitative, using primary data as a questionnaire. The research population consisted of 7920 MSMEs in the city of Malang. The sampling technique used purposive sampling so that 100 MSMEs were obtained as respondents. Data were analyzed using multiple linear regression with the help of SPSS software. The research results show that fintech and financial literacy positively influence the sustainability of MSMEs. Fintech and financial literacy are enough to encourage the expansion and sustainability of MSMEs in Malang. This research can complement existing theories and be a reference for local governments to encourage and facilitate digitalization and financial literacy for MSME players. This research can also be a reference for fintech companies to reach out more to MSMEs and increase fintech socialization.

This research aims to present empirical data demonstrating how financial management mediates the relationship between financial inclusion and financial literacy on the MSMEs' development. This particular type of research takes the form of explanatory research with the population of MSME actors in the environment-based tourism village of Sanankerto, Malang Regency. The study sample amounted to 125 taken through the purposive sampling method. Primary data from questionnaire findings given to respondents directly make up the utilized data. Data analysis in the form of PLS-SEM results indicates that financial management is positively impacted by financial literacy and financial inclusion and that these factors positively impact the MSMEs' development. It was also shown that financial management can mediate between financial inclusion and financial literacy in the MSME's development.

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Copyright of Qardhul Hasan: Media Pengabdian Kepada Masyarakat is the property of Universitas Djuanda and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Qardhul Hasan: Media Pengabdian Kepada Masyarakat is the property of Universitas Djuanda and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Students are an age group that is vulnerable to consumptive behavior. This is due to several factors, such as easy access to information and consumer products, peer influence, and lack of understanding of financial management. Excessive consumptive behavior can have negative consequences for students, such as getting into debt, postponing studies, and even experiencing depression. This study aims to analyze the influence of lifestyle and financial literacy on students' consumptive behavior. This study uses the Systematic Literature Review research method. Data were collected through literature studies. The data that has been collected is then analyzed in three stages, namely data reduction, data presentation and conclusion drawn. The results of the study show that lifestyle and financial literacy have a significant influence on students' consumptive behavior. Students with a hedonistic and materialistic lifestyle, as well as low financial literacy, are more vulnerable to consumptive behavior. Therefore, it is necessary to make efforts to improve financial literacy and encourage a healthy lifestyle for students. [ABSTRACT FROM AUTHOR]

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This study aims to determine and to analyze: (1) The effect of capital on the performance of MSMEs souvenirs shops in Kendari. (2) The influence of innovation on the performance of MSME souvenirs shops in Kendari. (3) The effect of financial literacy on the performance of MSMEs in Kendari. The design of this study is explanatory research. The population of this study is all MSMEs souvenirs shops in Kendari. The sample of this study was determined by used saturated sampling techniques. Data collection used questionnaires. Data analysis used the Pertial Least Square (PLS) method. The results showed that: (1) Capital has a positive and significant effect on the performance of MSMEs. The better the capital can improve the performance of MSMEs. (2) Innovation has a positive and significant effect on the performance of MSMEs. The better innovation can improve the performance of MSMEs. (3) Financial literacy has a positive and significant effect on the performance of MSMEs. Better understanding of financial literacy can improve the performance of MSMEs. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Applied Business & Economics (JABE) is the property of Universitas Indraprasta PGRI and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Journal of Applied Business & Economics (JABE) is the property of Universitas Indraprasta PGRI and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Abstract This study aims to explain the effect of financial literacy related to company fundamentals on stock investment decisions with investment interest as an intervening variable. Using a quantitative approach, data were obtained from questionnaires distributed to 31 members of the Youth Capital Market Community (YCMC) for the 2023 period through the saturated sample technique. The analysis was carried out with the PLS-based SEM method using Smart PLS 4.0. The results show that financial literacy has a significant effect on stock investment decisions and investment interest. Investment interest also mediates the effect of financial literacy on stock investment decisions. Abstrak Penelitian ini bertujuan menjelaskan pengaruh literasi keuangan terkait faktor fundamental perusahaan terhadap keputusan investasi saham dengan minat investasi sebagai variabel intervening. Menggunakan pendekatan kuantitatif, data diperoleh dari kuesioner yang disebarkan kepada 31 anggota Youth Capital Market Community (YCMC) periode 2023 melalui teknik sampel jenuh. Analisis dilakukan dengan metode SEM berbasis PLS menggunakan Smart PLS 4.0. Hasil menunjukkan literasi keuangan berpengaruh signifikan terhadap keputusan investasi saham dan minat investasi. Minat investasi juga memediasi pengaruh literasi keuangan terhadap keputusan investasi saham.

Abstract Financial independence creates economic independence, however the level of financial independence of women in fishing villages on the North coast of West Java is still low, which causes high numbers of victims of financial crimes which increases the level of poverty. This research wants to examine a model of financial resilience and women's empowerment that creates financial independence. The research method uses quantitative methods, data collection was carried out through surveys of groups of women driving the PKK in 32 fishing villages in 11 sub-districts as well as in-depth observations of the district government apparatus. The data processing method uses SPSS software to obtain the results of t-count and hypothesis testing. The results are the variables that directly affect financial independence are financial literacy and financial resilience have a positive effect while women's empowerment has a negative effect. The results of this study are useful for local governments in preparing policy instruments for women's equality and justice through empowerment that considers all aspects needed to avoid poverty, towards sustainable financial independence. Abstrak Kemandirian keuangan menciptakan kemandirian ekonomi, namun tingkat kemandirian keuangan kaum perempuan desa nelayan yang berada di pantai Utara Jawa Barat masih rendah, yang menyebabkan tingginya korban kejahatan keuangan yang menambah tingkat kemiskinan. Penelitian ini ingin mengkaji pengaruh literasi keuangan, ketahanan keuangan dan pemberdayaan keuangan terhadap kemandirian keuangan. Metode penelitian menggunakan metode kuantitatif, pengumpulan data dilakukan melalu survey kepada kelompok perempuan penggerak PKK pada 32 desa nelayan di 11 Kecamatan serta observasi mendalam terhadap perangkat pemerintahan kabupaten. Metode pengolahan data menggunakan software SPSS untuk memperoleh hasil perhitungan t-hitung dan pengujian hipotesis. Hasilnya bahwa variabel yang mempengaruhi kemandirian keuangan secara langsung adalah literasi keuangan dan ketahanan keuangan berpengaruh positif sedangkan Pemberdayaan perempuan berpengaruh negative. Hasil penelitian ini bermanfaat bagi pemerintah daerah dalam menyiapkan perangkat kebijakan bagi kesetaraan dan keadilan kaum perempuan melalui pemberdayaan yang mempertimbangkan semua aspek yang dibutuhkan agar terhindar dari kemiskinan, menuju kemandirian keuangan yang berkelanjutan.

This study analyses the factors affecting financial and accounting literacy. The sample in this study was 281 respondents. Quantitative research methods are used to test hypotheses and analyse data using SEM with LISREL software. The results showed that financial attitudes, financial behaviour, locus of control and financial inclusion positively affect financial literacy, and financial attitudes, financial behaviour, locus of control and financial inclusion affect accounting literacy, and financial literacy positively affect accounting literacy.

This study examines how financial literacy affects financial inclusion, social capital, and cognition in stock investors. Prospective investors or investors can manage per-sonal finances in the future. This research involves many samples with cross-sectional data. This research consists of the independent variables, financial literacy, and the dependent variables consist of financial inclusion, social capital, and cognition. The dependent variable of financial inclusion consists of access, quality, usage, and welfare; social capital consists of the dimensions of collective action, bonding, bridging and trust, and cognition. The independent variable of financial literacy consists of the dimensions of skill, behavior, knowledge, and attitude. The collected respondents were taken from 165 respondents, and they were analyzed using the structural equation modeling. After processing the data, it shows that the effect of financial literacy and cognition on financial inclusion is supported, and financial literacy on social capital cognition is supported. Meanwhile, social capital towards inclusion literacy needs to be supported. Based on the results, stock investors must be more careful in choosing investment products/institutions to avoid fraud.

The necessity for financial management skills among migrant workers was underscored by the prevalence of a family member engaging in overseas employment within Indonesian households. This was evident in the imperative role finance played in encouraging migrant employees to maximize their earnings beyond what they could achieve in Indonesia. In this study, the ABCD (asset-based community development) strategy was employed to empower the Japanese IPMI community, utilizing existing community assets for sustainable development. The Indonesian Muslim Nurses Association, a supportive network, facilitated mutual growth and the establishment of ukhuwah Islamiyyah, contributing to a robust community fabric. IPMI served as a pivotal venue for enhancing the community's financial literacy through various levels of community service. Before returning to Indonesia, migrant workers took proactive steps in financial planning, including saving for retirement and other financial goals. Migrant employees, upon joining IPMI, actively recorded costs, tracked income, and projected investments for pension funds through direct practice. This past-tense abstract emphasizes the crucial role of financial empowerment and community support in the journey of migrant workers. The result shows after this community service, many migrant workers aware about financial management and gained a deeper understanding of financial management principles, enabling them to make informed decisions regarding budgeting, saving, and investing.

This research aimed to examine and assess the mediating function of financial technology in shaping the connection between financial literacy and investment choices. The research's participants were selected from Generation Z individuals who had invested in the capital or the money market in Cirebon. The data collection method employed accidental sampling, with 160 respondents receiving an online and offline questionnaire. For this research, the researchers utilized inner and outer models with the assistance of the SmartPLS 4.0 software program. The findings from the research indicate that financial literacy has no impact on investment choices, financial literacy also affects financial technology, financial technology affects investment decisions, and financial technology can function as a mediator in the association between financial literacy and investment choices. The results indicate that both the utilization of financial technology and an enhanced comprehension of financial literacy contribute to the effectiveness of the investment decision-making process. A future research agenda is put forward to investigate additional variables that may help bridge gaps in prior research, such as financial inclusion and income, which impact investment decisions.

Background: Gold savings products are unique products from sharia banking which have significant growth potential in Indonesia as seen from the increase in gold sales over the last 3 years. Based on previous research stated that promotion, financial literacy and risk perception are the factors that influence customers' saving intention in investment and services product in banking but there isn't any yet study examine the influence of those factors on gold savings products in sharia banking. Purpose: This study aims to analyze the influence of promotion, financial literacy and risk perception on the saving intention of gold savings product of Bank Sharia ABC both directly and through the mediation of brand awareness. Design/methodology/approach: This study uses the SEM-PLS (Structural Equation Modelling Partial Least Square) analysis method with a sample of 206 (two hundred and six) respondent which are customers of savings accounts who do not yet have a gold savings account at Bank Syariah ABC Findings/Result: This study show that promotion variable has a positive and significant influence on brand awareness of gold saving product. Meanwhile, promotion does not have a significant positive influence on the saving intention of gold saving product. Promotion has a positive and significant influence on the saving intention of gold saving product indirectly through the mediation of brand awareness variables (full mediation). As for the financial literacy, the variable has a positive and significant influence on brand awareness and the saving intention of gold saving product. The financial literacy variable also has a positive and significant influence on the saving intention of gold saving product indirectly through the mediation of brand awareness (partial mediation). Conclusion: The study also concluded that risk perception variable has a positive and significant influence on brand awareness of gold saving product. Meanwhile, risk perception does not have a significant positive influence on the saving intention of gold saving product. Risk perception variable has a positive and significant influence on the saving intention of gold saving product indirectly through the mediation of brand awareness variables (full mediation). The brand awareness variable has a positive and significant influence on the saving intention of gold saving product. So that, it can be said that if the brand awareness of customers is increase, the saving intention of gold saving product also increase. Originality/value (State of the art): Several previous studies have examined the influence of promotion, financial literacy and risk perceptions on the saving intention in investment and services product in banking, but there isn't any yet has specifically examined the influence of those factors on gold savings products in sharia banking. This study examine the influence of promotion, financial literacy and risk perceptions on the saving intention of gold saving product in sharia banking both directly and through the mediation of brand awareness. [ABSTRACT FROM AUTHOR]

The capital market has become one of the investment options favored by the Indonesian people, but the low level of financial literacy remains a significant obstacle. This study aims to determine the influence of technological advancements, financial literacy, and risk tolerance on investment interest in the capital market, with a focus on students, investment interest, the variable of financial literacy on investment interest, and the influence of risk tolerance on investment interest which has been tested on 107 respondents according to the sampling criteria. The research method used was a survey using questionnaires distributed to students at various universities in Indonesia. Data analysis was performed using multiple linear regression. The results show that technological advancements, financial literacy, and risk tolerance significantly affect investment interest in the capital market. The financial literacy variable significantly influences investment interest in the capital market, followed by risk tolerance and technological advancements. This study concludes that good knowledge, understanding of financial literacy, and the ability to deal with risk and utilize technology are crucial in increasing investment interest in the capital market, especially among students. Therefore, efforts to improve financial literacy and introduce the concept of healthy risk tolerance to students need to be continued so that they can take advantage of the potential of the capital market for a better future. [ABSTRACT FROM AUTHOR]

The purpose of this quantitative research is to understand how the cashless society that has emerged in recent years and financial literacy influence the consumptive behavior of generation z, especially in Padang, West Sumatra. The population chosen was generation z students from Universitas Putra Indonesia YPTK Padang and Politeknik Negeri Padang with a total of 178 respondents. This research applies descriptive statistical analysis techniques through classical assumption tests, multiple linear regression, coefficient of determination, and hypothesis testing. Based on the results of the study, it can be seen that cashless society and financial literacy, both partially and simultaneously, are able to influence the consumptive behavior of generation z.

In the context of investment decision-making, there are financial behaviors such as herding behavior and regret bias such as anticipated regret, and financial literacy skills that need to be considered. This research will look for the relationship of herding behavior and anticipated regret to financial literacy in providing implications for investment decisions. This research will use the Smart PLS 4 application tool, using Outer Model, Inner Model, and Hypothesis Testing with 44 Jambi University Capital Market Study Group students as the sample. The results showed that herding behavior affects investment decisions and financial literacy, anticipated regret affects investment decisions but has no effect on financial literacy, and financial literacy has no effect on investment decisions. Thus, the literacy skills possessed do not guarantee that in making investment decisions it goes according to the understanding of financial literacy possessed. The conclusion of this study is that financial literacy is unable to provide implications for herding behavior in making investment decisions and anticipated regret in making investment decisions.

Gen Z has more expressive characteristics and tends to be tolerant and multitasking. According to the Research Institute in 2019, the allocation of savings from income was only 10.17% for both men and women in Generation Z. This research aims to analyze the moderating influence of gender in predicting financial behavior, which is influenced by self-efficacy, financial literacy, and locus of control in Gen Z by using path analysis with moderation assisted by SmartPLS software. This research shows that self-efficacy, financial literacy, and locus of control significantly affect economic behavior. However, gender cannot moderate the influence of these variables on FEB UM Surabaya students. Keywords: Financial Behaviour; Self Efficacy; Financial Literacy; Gender

The progression of investment in Indonesia has witnessed rapid growth, particularly in the realm of crypto assets. By April 2023, the number of crypto investors in Indonesia had surged to 17 million, with the Gen Z cohort dominating this category of asset investors. The primary objective of this research is to examine whether herding behavior can mediate the relationship between financial literacy and crypto investment decisions among Gen Z individuals. This investigation was conducted among crypto investors residing in the city of Bengkulu. A total of 156 individuals were selected as the sample. The collected data was subsequently processed using the Smart PLS 3 application. The research findings indicate that financial literacy has a significantly positive influence on herding, and financial literacy also has a significantly positive impact on the crypto investment decisions of Gen Z. Moreover, herding serves as a mediating factor in the relationship between financial literacy and Gen Z's crypto investment decisions.

This study examines the influence of gender, age, education, living area and marital status as socio-demographic indicators and financial literacy toward investment decisions. The research was conducted in South Sulawesi, Indonesia with 167 respondents. The sample used was purposive sampling, with the specific criteria for the level of Indonesian wealth. Quantitative methods and a problem-solving approach were used. We found that gender has a negative and significant effect, education, living area, and marital status positively and significantly affect investment decisions. Women tend to prefer low-risk investments compared to men largely attributed to lower levels of financial literacy among women. In terms of education, investors with higher levels of education are more likely to make more informed investment decisions as they demonstrate improved risk management skills and a higher level of financial literacy. The living area also influences their investment decisions, with urban investors having easier access to information and knowledge about investments. Marital status also affects investment decisions, as married investors often prioritize the responsibility of their investments. However, age have a negative and not significant on investment decisions. This can be explained by the higher number of younger people becoming involved in investment decisions.

The low financial literacy index among the Indonesian population, as reflected in the 2022 National Survey of Literacy and Financial Inclusion (SNLIK), serves as the background for this literacy program. Women are identified as a priority group, aiming to make them financially literate, which, in turn, will have a positive impact on family finances and future generations. This research aims to contribute new insights into OJK's efforts to improve financial literacy among women in Riau using John Locke's message transmission theory as a theoretical framework. As the financial authority in Indonesia, OJK feels obligated to provide understanding and knowledge to Indonesian women to prevent various financial problems that may arise due to a lack of financial literacy. This study uses a literature review method to analyze the financial literacy efforts carried out by the Financial Services Authority (OJK) for women in the Riau Province on July 29, 2023. John Locke's Message Transmission Theory is employed as the theoretical framework, with the hope of revealing how OJK's financial literacy messages influence the knowledge, skills, and attitudes of the population, especially women, in managing their finances. This research is expected to contribute to a deeper understanding of message transmission in efforts to improve financial literacy in society, particularly among women. [ABSTRACT FROM AUTHOR]

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Copyright of Journal of Application Business & Management / Jurnal Aplikasi Bisnis dan Manajemen is the property of IPB University and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Jurnal Ilmu Manajemen Terapan (JIMT). is the property of Dinasti Publisher and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of AL-MUZARA'AH - Journal of Islamic Economics & Finance is the property of IPB University and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The purpose of this study is to determine the level of literacy and application of fintech and its impact on the sustainability of MSME businesses in Tegal City. The method of data collection in this study was using questionnaires. Meanwhile, the sampling technique uses purposive sampling as many as 72 MSMEs. The hypothesis proposed, was statistically tested using WarpPLS version 7.0. The results of the study found that 1) financial literacy affects the use of fintech in MSMEs, 2) the use of fintech affects the business sustainability of MSMEs. 3) Financial literacy affects the sustainability of MSME business 4) The use of fintech is able to mediate the relationship between financial literacy and MSME business sustainability. Adequate financial literacy and the use of appropriate financial technology have a direct impact on the sustainability of MSME businesses so that they can compete in the market for a long time. MSMEs can carry out strategies to support business sustainability, namely through financial literacy and the use of fintech in their daily transactions. The implication for related parties is to be able to propose programs that can support the optimization of MSME business sustainability

Introduction:Â The exponential growth of small and medium enterprises (SMEs) in many developing economies is a well-documented phenomenon in business literature. However, research indicates that the expansion of most SMEs is hindered by financial illiteracy and high levels of informality, posing significant challenges to their performance and long-term sustainability. Concerns arise from the fact that only a small fraction of these enterprises successfully transition into larger firms. This study sought to address these issues by investigating the levels of financial literacy among 120 SMEs operating in Harare and Bindura, taking into account the pervasive informality within the sector. The research also aimed to evaluate the relationship between financial literacy and SME operational performance. Methods: Employing a quantitative approach within an explanatory research design, data collection was facilitated through a structured questionnaire. To capture the diverse landscape of SMEs operating in an informal context, both purposive and convenience sampling methods were utilized to select participants for the survey. Descriptive and inferential analyses were conducted using SPSS software. Results: The findings of the study revealed a significant positive impact of financial literacy on SME operational performance, indicating that advanced financial literacy can contribute to enhanced business outcomes. Moreover, the research observed an improvement in financial literacy within SME operations, evidenced by increased awareness and application of financial management skills. Conclusion and suggestion: The study recommends that efforts to promote financial literacy among SMEs should be intensified through advanced financial education initiatives, awareness campaigns, and enhanced financial inclusion strategies. Financial service providers are encouraged to play a proactive role in supporting SME growth by investing in financial awareness programs, funding educational initiatives, and actively engaging SMEs in key economic policy frameworks. Ultimately, SMEs are urged to fully embrace financial literacy as a fundamental pathway for achieving sustainable growth and long-term business success amidst the challenges of informality.

Introduction: The study aims to examine the impact of financial literacy, overconfidence, regret aversion bias, herding, and risk tolerance on the investment decisions of the Indonesian millennial generation. Methods: The study used a quantitative approach with a sample of 120 respondents from the millennial generation who invested in the Islamic capital market. A statistical test was done using SPSS IBM 26. Results: Financial literacy and overconfidence significantly influenced investment decisions. On the other hand, regret aversion bias, herding, and risk tolerance had no significant impact on investment decisions. Conclusion and suggestion: The study concluded that financial literacy and overconfidence are the major factors that affect the investment decisions of the Indonesian millennial generation. The government (regulator) and related institutions should take a more proactive approach in providing outreach and education about the importance of financial literacy and overconfidence. The millennial generation is interested in investing in the Sharia capital market.

Purpose: The research aims to analyze the influence of lifestyle, financial literacy, benefits, ease, security and confidence on the decision to use QRIS as a modern payment method on Generation Z born on 1997–2012 and using QRIS payments. Methodology/approach: The research used quantitative data with random sampling from Generation Z respondents. Using descriptive analysis, double regression analysis and data analysis techniques : validity and reliability test, normality test, multicolonierity test, heteroskedasty test, simple linear regression analytics test, partial t-test, simultaneous f-test and determination coefficient test. Findings: The resulth of this study showed that lifestyle, benefits and security variables influenced (positively) the decision to use QRIS in Generation Z. While the financial literacy, ease and trust variables did not inluence (negatively) QRIS use decisions in Generation Z. Practical and Theoretical contribution/Originality: The research contributes to modern and practical transaction activities that can reduce conventional transactions so as to increase revenue and increase knowledge about the use of cashless payment applications. Research Limitation: The research is limited only to the Z Generation. The spread is not at its maximum so subsequent censorship will expand the population spread in data acquisition

The right investment decision is based on how well financial literacy is owned and controlling financial behavior, namely overconfidence. In general, the higher the level of education, the better. The purpose of this study was to analyze the Role of Financial Literacy and Overconfidence in Investment Decision Making at the Education level of Master of Management Students at Diponegoro University Semarang. With a sample of 127 respondents, from batches 58-63 in 2024. The data analysis method uses the measurement model (Outer Model) and the Struktrual Model (Inner Model) in testing the model researchers apply Structural Equation Modeling-Partial, Least Square (SEM-PLS). The results showed the first hypothesis, namely financial literacy has a significant positive effect on investment decisions, the second hypothesis, namely overconfidence has a significant positive effect on investment decisions and overconfidence can moderate (strengthen) the relationship between financial literacy and investment decisions in Master of Management Students at Diponegoro University Semarang in 2024.

Agribusiness serves as the cornerstone of the Zimbabwean economy, with a significant portion of the population relying on agricultural-related pursuits for sustenance. However, the concerning financial practices exhibited by agribusiness entrepreneurs, coupled with lackluster sectoral performance, present pressing issues. These issues manifest as pronounced instances of financial exclusion, loan defaults, and diminished productivity within the sector. The primary focus of this study was to assess the financial literacy of agribusiness entrepreneurs and elucidate the principal determinants of this literacy, employing the theoretical framework of the lifecycle hypothesis. The research design employed was explanatory in nature, involving the collection and subsequent quantitative analysis of data via questionnaires. The study encompassed a population of 172,221 agribusiness farmers hailing from five distinct districts in Zimbabwe, namely Mutare, Mt Darwin, Mutoko, Gweru, and Masvingo. To ensure a representative sample, a sample size of 623 was calculated utilizing the Slovin formula. The research outcomes unveiled an overall deficiency in financial literacy within the agribusiness sector, particularly pronounced among women, individuals with low incomes, those possessing limited educational attainment, and those supporting multiple dependents below the age of 18. As a crucial recommendation, the study advocates for the implementation of mandatory financial literacy courses at both the primary and secondary education levels. Such an intervention could contribute significantly to addressing the identified shortcomings in financial literacy among agribusiness entrepreneurs and subsequently foster more prudent financial behaviors within the sector.

Impulsive buying behavior has increased alongside the growth of digital transactions and technological advancements that simplify purchasing. Psychological studies have scientifically demonstrated that e-commerce website design and enjoyable online shopping experiences can trigger positive emotions that drive impulsive buying behavior, especially in women where self-esteem and body image have been proven to be contributing factors. The urgency to examine this issue has been amplified by the COVID-19 pandemic, which has been found to stimulate impulsive buying. With self-control and financial literacy as moderating factors, researchers are focusing on the phenomenon of impulsive buying among women in their early adulthood, as this age group is considered the most vulnerable to impulsive buying behavior. Researchers aim to investigate how self-control and financial literacy might mitigate the influence of parasocial relationships on impulse buying tendencies, with the ultimate goal of preventing individuals in early adulthood from getting trapped in the cycle of impulsive buying and its long-term ripple effects. Participants in this study are 195 women aged 18 to 25 who have a favorite celebrity figure and had purchased beauty products in the previous two months. According to the findings of simple regression analysis, parasocial relationships affect impulsive purchasing tendencies (F(1.191) = 12.100, p < .05, = .059, = .054). It was also discovered that self-control has a moderating role on the influence of parasocial relationships toward impulse buying tendencies (R =.4172, F(1.191) = 13.4189, p < .05), but financial literacy has no moderating role.

This study aims to determine the effect of emotional intelligence, sociodemographic factors on investment decisions, and financial literacy as moderating variables of emotional intelligence and sociodemographic factors on investment decisions. The research population is investor saham pemula (ISP) community, a sample of 106 investors. The analysis technique used in this research uses the help of the Smart PLS 3.0 data processing application. the results of the study indicate that Emotional Intelligence has a positive and significant effect on investment decisions; Sociodemography has no effect on investment decisions; Emotional intelligence is positive and significant to investment decisions moderated by financial literacy; positive and significant sociodemography on investment decisions moderated by financial literacy

Sustainable and Responsible Investment (SRI) has been growing massively recently. The Indonesia Stock Exchange has launched several indexes regarding companies concerned about Environment, Social, and Governance (ESG). Despite the development of the capital market and business, studies about investors' decisions to invest in SRI products are still limited. The present study aims to investigate the drivers of SRI participation of Indonesian investors. Young people have dominated the number of Indonesian investors. Hence, this study focuses on students as the target population, especially in Yogyakarta. This research is explanatory research, which seeks a causal relationship between the variables. The sampling technique used is convenience sampling. The data was collected through an online questionnaire spread to university students in Yogyakarta. Multiple regression analysis is employed to test the data. Financial literacy and knowledge of SRI positively and significantly impact investment intention in SRI. This research contributes to the literature by adding empirical results on how SRI knowledge and financial literacy affect intention in SRI participation. The result can be used as a reference for financial sector and capital market stakeholders to boost investment in SRI.

A cashless society is a collective vision of world citizens to create a payment system that is faster, more flexible, and more automatic. This study aims to formulate findings on publications conducted in 2012-2022, focusing on a cashless society. Using the Systematic Literature Review approach, this study uses 14 main sources from the Scopus database to identify shared understanding, supporting factors, and the impact of a cashless society from the perspective of researchers. This study found that the formation of a cashless society is a solution for efforts to grow the economy and speed up societal transactions. Another benefit is the prevention of criminal acts of corruption, extortion, and fraud, where electronic payments made in a registered manner have suppressed these crimes. The dark side of a cashless society is the potential for privacy violations and paralysis of the economic system caused by internet system failures

Purpose – This study aims to examine and understand financial education practice for early childhood in Yogyakarta during the post-pandemic era to gain new insights and knowledge relevant to the subject. Design/methods/approach – This research employs a qualitative and case study approach. Data was collected through structured interviews using WhatsApp and Zoom Meetings with 10 teachers from Raudhatul Athfal. Data analysis was based on Miles and Huberman’s data reduction, display, and verification technique. Findings – The findings indicate a significant change in financial education practice post-pandemic. The impact of remote learning on children's financial education, along with the efforts of teachers in planning, implementing, and evaluating financial education programs, has been identified. Teachers are crucial in implementing the student-centered learning approach to enhance financial literacy. Research implications – These findings provide important insights into the significance of the student-centered learning approach in financial education and the vital role of teachers as facilitators in the learning process. This study also emphasizes the need for ongoing evaluation and cooperation between teachers and parents in children's financial education. The results can contribute to developing policies and practices in financial education, particularly in the post-pandemic context, and open opportunities for further research in this field.