Journal of Economics and Business
ISSN 2615-3726 (Online)
ISSN 2621-5667 (Print)
Published: 16 November 2020
The Impact of Financial Literacy on Investment Decisions Between Saving and Credit: Studies on Sharia Bank Customers in the Special Region of Yogyakarta
R. Heru Kristanto HC, R. Hendry Gusaptono
UPN Veteran Yogyakarta, Indonesia
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Keywords: Financial Knowledge, Financial Behavior, Financial Awareness and Financial Attitude
Investment decision-making will involve cognitive, psychological, social and behavioral aspects. Financial literacy includes financial knowledge, financial behavior, financial awareness and financial attitudes. This study aims to analyze the impact of financial literacy on investment decisions of Sharia Bank customers. The sampling technique uses random sampling on Sharia Bank customers in the Special Region of Yogyakarta, Indonesia. Data analysis using multiple regression. The results reveal that 1) Financial knowledge has a positive effect on investment decisions. 2) Financial behavior has a positive effect on investment decisions. 3) Financial awareness has a positive effect on investment decisions. 4) Financial attitudes has a positive effect on investment decisions.
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