The Influence of Islamic Financial Literacy, Income and Financial Behavior on Investment Decisions During The Covid-19 Pandemic

Authors

  • Cepi Pahlevi Universitas Hasanuddin
  • Nurlia Universitas Balikpapan
  • Ichwan Musa Universitas Makassar
  • Vebby Anwar Sekolah Tinggi Ilmu Ekonomi Pelita Buana Makassar
  • Norhaedah Norhaedah Universitas Islam Makassar
  • Agustina Martha Evendi Universitas Balikpapan

DOI:

https://doi.org/10.54471/iqtishoduna.v12i2.2357

Keywords:

islamic financial literacy, income and financial behavior, investment decisions

Abstract

This study was conducted to examine Islamic Financial Literacy, Income and Financial Behavior which partly influence the investment decisions of PT. Pegadaian, Regional Office IVl Balikpapan. This type of research is quantitative with data sources from questionnaire results. The sample in this study was 100l customers of PT. Pegadaian Regional Office IVl Balikpapan uses the Slovin formula. Researchers used IBM's statistical application SPSS 26. The application is used to test instrument tests, classical assumption tests, multiple linear regression analysis and research hypothesis tests. The results of the analysis show that Islamic financial literacy, income and financial behavior have a positive and significant effect on investment decisions. Islamic Financial Behavior Variables have a dominant influence on other variables.

Downloads

Download data is not yet available.

References

Arianti, Baiq Fitri. “Pengaruh Pendapatan Dan Perilaku Keuangan Terhadap Literasi Keuangan Melalui Keputusan Berinvestasi Sebagai Variabel Intervening.” Jurnal Akuntansi 10, No. 1 (2020): 13–36. Https://Doi.Org/10.33369/J.Akuntansi.10.1.13-36.

———. “Pengaruh Pendapatan Dan Perilaku Keuangan Terhadap Literasi Keuangan Melalui Keputusan Berinvestasi Sebagai Variabel Intervening (The Effect Income And Financial Behavior On Financial Literacy With Investment Decisions As Intervening).” Jurnal Akuntansi 10, No. 1 (2020): 13–36.

Budiarto, Angga, And Susanti. “PENGARUH FINANCIAL LITERACY, OVERCONFIDENCE, REGRET AVERSION BIAS, DAN RISK TOLERANCE TERHADAP KEPUTUSAN INVESTASI (Studi Pada Investor PT. Sucorinvest Central Gani Galeri Investasi BEI Universitas Negeri Surabaya) Angga Budiarto” 05 (2017): 1–9.

Ekawarna. PENGANTAR EKONOMI MAKRO. Edited By Syaiful Ibad. Jakarta: Gaung Persada Press, 2011.

Feby, Nutia, Hanes Panjaitan, And Agung Listiadi. “Literasi Keuangan Dan Pendapatan Pada Keputusan Investasi Dengan Perilaku Keuangan Sebagai Variabel Moderasi” 11, No. 1 (2021): 142–55.

Gunawan, Ade, Delyana Rahmawany Pulungan, And Murviana Koto. “Tingkat Literasi Keuangan Dosen Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Sumatera Utara,” No. Finansialku 2017 (2019): 1–9.

Hartono, Jogiyanto. “Teori PORTOFOLIO Dan ANALISIS INVESTASI.” Yogyakarta, 2017.

Hasibuan, Z, Z M Siregar, And Y Zebua. “Keputusan Investasi: Pengujian Pengaruh Literasi Keuangan, Edukasi Keuangan, Dan Kemampuan Keuangan.” Jurnal Pendidikan Tambusai 6 (2022): 9595–9601.

Hasyim, Ali Ibrahim. Ekonomi Makro. Jakarta: KENCANA, 2017.

Hidayat, Wastam Wahyu. Konsep Dasar Investasi Dan Pasar Modal. Ponorogo: Uwais Inspirasi Indonesia, 2019.

Lubis, Arlina Nurbaity, Isfenti Sadalia, And Khaira Amalia Fachrudin. “Model Perilaku Investor Kota Medan Berdasarkan Strategi Pemasaran.” EKUITAS (Jurnal Ekonomi Dan Keuangan) 17, No. 4 (2018): 413–29. Https://Doi.Org/10.24034/J25485024.Y2013.V17.I4.112.

Ojk. STRATEGI NASIONAL LITERASI KEUANGAN INDONESIA. Jakarta, 2013.

Perwito, Syamsu, And Gunardi. “Efek Mediasi Literasi Keuangan Terhadap Hubungan Antara Kualitas Pembelajaran Keuangan Dengan Keputusan Investasi.” Jurnal E-Bis (Ekonomi-Bisnis) 4, No. 2 (2020): 118–30. Https://Doi.Org/10.37339/E-Bis.V4i2.228.

Prajnaparamitha, Kanyaka, And Mahendra Ridwanul Ghoni. “Perlindungan Status Kerja Dan Pengupahan Tenaga Kerja Dalam Situasi Pandemi COVID-19 Berdasarkan Perspektif Pembaharuan Hukum.” Administrative Law And Governance Journal 3, No. 2 (2020): 314–28. Https://Doi.Org/10.14710/Alj.V3i2.314-328.

Ratnasari, Nurfika. “Analisis Literasi Keuangan Dan Perilaku Keuangan Terhadap Keputusan Investasi Generasi Milenial,” 2021.

Setyawan, F A. “Analisis Pengaruh Pendapatan, Jumlah Nasabah, Dan Pandemi Covid-19 Terhadap Penyaluran Kredit Kca Pada Pt. Pegadaian ….” E-Mabis: Jurnal Ekonomi Manajemen Dan … 21, No. 1 (2020): 79–86.

Sun, Septiwati, And Emi Lestari. “Analisis Pengaruh Literasi Keuangan (Financial Literacy), Pengetahuan Investasi (Investment Knowledge), Motivasi Investasi (Investment Motivation) Dan Pendapatan (Income) Terhadap Keputusan Investasi Pada Masyarakat Di Batam.” Jurnal Akuntansi AKUNESA 10, No. 3 (2022): 101–14. Https://Doi.Org/10.26740/Akunesa.V10n3.P101-114.

Talitha, Latifah Felicia. “Pengaruh Literasi Keungan, Perilaku Keuangan Dan Pendapatan Terhadap Keputusan Investasi” 1, No. 3 (2022): 148–58.

Yundari, Tri, And Dwi Artati. “Analisis Literasi Keuangan, Perilaku Keuangan, Dan Pendapatan Terhadap Keputusan Investasi (Studi Kasus Pada Karyawan Swasta Di Kecamatan Sruweng Kabupaten Kebumen).” Jurnal Ilmiah Mahasiswa Manajemen, Bisnis Dan Akuntansi (JIMMBA) 3, No. 3 (2021): 609–22.

Downloads

Published

2023-10-01

How to Cite

Pahlevi, Cepi, Nurlia, Ichwan Musa, Vebby Anwar, Norhaedah Norhaedah, and Agustina Martha Evendi. “The Influence of Islamic Financial Literacy, Income and Financial Behavior on Investment Decisions During The Covid-19 Pandemic”. IQTISHODUNA: Jurnal Ekonomi Islam 12, no. 2 (October 1, 2023): 635–648. Accessed February 11, 2025. https://ejournal.iaisyarifuddin.ac.id/index.php/iqtishoduna/article/view/2357.

Issue

Section

Artikel