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Journal articles on the topic 'And financial decision'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

Siska, Atmaningrum, Sunu Kanto Dwi, and Kisman Zainul. "Investment Decisions: The Results of Knowledge, Income, and Self-Control." Journal of Economics and Business 4, no. 1 (2021): 100–112. https://doi.org/10.31014/aior.1992.04.01.324.

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  Investment is an economic activity that can be a way for a person to expand or maintain his wealth. However, in investing, the public must be more careful in making decisions so that they are not trapped by fake investments. In investing, there are several factors that influence the decision to invest, namely Financial Knowledge, Income, Self-Control, Financial Behavior, and Financial Attitude towards Investment Decisions. This study aims to examine the influence of the variables of Financial Knowledge, Income, and Self-Control on Investing Decisions mediated by Financial Behavior and F

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Purwidianti, Wida, Ika Yustina Rahmawati, Tri Septin Mujirahayu, and Iwan Fakhruddin. "Financial behavior on Investment and Financing Decision in Indonesian SME." Jurnal Analisis Bisnis Ekonomi 21, no. 2 (2024): 18–33. http://dx.doi.org/10.31603/bisnisekonomi.v21i2.9742.

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The SME sector experienced a decline in financial performance during the pandemic. In addition, there are changes in SME owners' financial behavior, which impact financial decision-making. The financial behavior of SME owners can be seen in risk attitudes, mental accounting, and overconfidence. This study explores the relationship between risk attitudes, mental accounting, and overconfidence in investment and financing decisions. This study took the population of UKM owners in Banyumas Regency, Central Java Province, Indonesia.. The sample used in the study amounted to 116 SME owners. The resu

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Ivanović, Zoran. "Financial framework for risk management." Tourism and hospitality management 1, no. 2 (1995): 337–56. http://dx.doi.org/10.20867/thm.1.2.9.

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The derivation of a decision framework from which to derive and appraise risk management strategy requires a clear statement of corporate objectives. This article follows the mainstream of financial management in assuming that a firm wishes to maximize the value of the existing owners’ equity, which means the maximization of share price. This objective is referred to, somewhat loosely, as value maximization. From the value-maximization objective, a risk management decision structure was derived. The three processes in a risk management decision relate to the identification of risk management e

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R., Heru Kristanto HC, and Hendry Gusaptono R. "The Impact of Financial Literacy on Investment Decisions Between Saving and Credit: Studies on Sharia Bank Customers in the Special Region of Yogyakarta." Journal of Economics and Business 3, no. 4 (2020): 1456–63. https://doi.org/10.31014/aior.1992.03.04.291.

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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

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Dey, Ishani, and Brototi Bhattacharyya. "Financial Decision Making: Procrastination vs. Financial Literacy." RESEARCH REVIEW International Journal of Multidisciplinary 9, no. 12 (2024): 189–95. https://doi.org/10.31305/rrijm.2024.v09.n12.023.

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Individuals typically spend in preferred routes. Certain psychological and socioeconomic aspects affect their decisions regarding saving and investing. This study aims to examine the impact of “procrastination” on the financial decision-making of educated individuals and the role of “financial literacy” in mitigating the costs associated with “procrastination”. Primary data was obtained from educated individuals via individual interviews. The demographics, socioeconomic characteristics, psychological aspects associated with saving and investment, and financial literacy of the respondents have

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Hart, Oliver. "Financial Contracting." Journal of Economic Literature 39, no. 4 (2001): 1079–100. http://dx.doi.org/10.1257/jel.39.4.1079.

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This paper discusses how economists' views of firms' financial structure decisions have evolved, from treating firms' profitability as given, to acknowledging that managerial actions affect profitability, to recognizing that firm value depends on the allocation of decision or control rights. The paper argues that the decision or control rights approach is useful, even though it is at an early stage of development, and that the approach has some empirical content: it can throw light on the structure of venture capital contracts and the reasons for the diversity of claims.

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DerMesrobian, Robert Mesrob K. "AN OVERVIEW OF FRAMING BEHAVIORS IN FINANCIAL DECISIONS." International Journal of Research in Commerce and Management Studies 05, no. 02 (2023): 54–66. http://dx.doi.org/10.38193/ijrcms.2023.5205.

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Deciding is a difficult task. Things get tougher especially if the number of choices available is big. This may lead to people falling into decision-making biases which cause undesired outcomes. Financial decisions are also susceptible to biases. In this research work, I discuss the framing biases in financial decision-making. The topic is important to be discussed because the bad management of one’s financials causes drastic consequences not to the individual only, but to the society, the nation, and the world. After a thorough literature review basing on three financial decisions, savings –

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Kim, Jinhee, Michael S. Gutter, and Taylor Spangler. "Review of Family Financial Decision Making: Suggestions for Future Research and Implications for Financial Education." Journal of Financial Counseling and Planning 28, no. 2 (2017): 253–67. http://dx.doi.org/10.1891/1052-3073.28.2.253.

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This article reviews the theories and literature in intrahousehold financial decisions, spousal partners and financial decision making, family system and financial decision process, children, and financial decisions. The article draws conclusions from the literature review and discusses directions for future research and educational programs. Most financial education and counseling takes place at the individual level, whereas financial decisions take place at household and intrahousehold levels. Family members, spouses/partners, children, and others play a key role in individuals’ financial de

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Zahro, Mar’atus, Rika Rahayu, Triyonowati Triyonowati, Suhermin Suhermin, and Okto Aditya Suryawirawan. "Navigating Financial Behavior." MARGINAL JOURNAL OF MANAGEMENT ACCOUNTING GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES 4, no. 1 (2025): 164–78. https://doi.org/10.55047/marginal.v4i1.1583.

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In Indonesia, numerous young retail investors exhibit a lack of adequate financial knowledge and comprehension of investment fundamentals, potentially resulting in suboptimal investment choices and heightened financial exposure. This research seeks to examine how financial literacy, herding, risk perception, and attitude toward investment can enhance the decision-making process for students in investments, enabling them to make more educated and self-assured selections in financial markets. The study employed non-probability purposive sampling, involving 84 Generation Z participants. Data anal

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Gärling, Tommy, Erich Kirchler, Alan Lewis, and Fred van Raaij. "Psychology, Financial Decision Making, and Financial Crises." Psychological Science in the Public Interest 10, no. 1 (2009): 1–47. http://dx.doi.org/10.1177/1529100610378437.

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Lynge, Morgan J., David R. Durst, and Donald G. Conner. "Bank Financial Decision Analysis." Journal of Finance 44, no. 5 (1989): 1441. http://dx.doi.org/10.2307/2328655.

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12

Rada, Roy, and Hayden Wimmer. "Decision Trees and Financial Variables." International Journal of Decision Support System Technology 9, no. 1 (2017): 1–15. http://dx.doi.org/10.4018/ijdsst.2017010101.

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A decision tree program for forecasting stock performance is applied to Compustat's Global financial statement data augmented with International Monetary Fund data. The hypothesis is that certain Compustat variables will be most used by the decision tree program and will provide insight as to how to make investing decisions. Surprisingly, the authors' experiments show that the most frequently used variables come from the International Monetary Fund and that variables provided exclusively for Financial Industry stocks were not useful for forecasting financial stock performance. These experiment

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Ambreen, Sadaf, Laiba Khalid, and Aniqa Zubair. "Individual Investors' Financial Behaviour and Financial Attitude: Role of Financial Literacy as Moderator in Decision Making." Global Economics Review VI, no. I (2021): 200–213. http://dx.doi.org/10.31703/ger.2021(vi-i).15.

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As an individual investor, it is incredible to have a successful performance return without financial knowledge. An organization's performance must be measured and analysed based on an adequate financial management system. In today's multifaceted financial scenery Financial Literacy is crucial as it does not only impact financial decisions at the business level but is also important for the country's development. Financial literacy has the importance of the backbone of society. The study adds a new mechanism of financial literacy. The main objective of this study is to determine further insigh

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Jamal, Hanaffy, Widyastuti Tri, and Zulkifli. "Determinants of Financial Management Behavior and Implications on Investment Decision (Empirical Study on Individual Investors in Jakarta)." International Journal of Innovative Science and Research Technology 7, no. 8 (2022): 1138–51. https://doi.org/10.5281/zenodo.7059105.

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The purpose of this study was to determine the effect of financial attitude, financial knowledge, and emotional intelligence on financial management behavior and its impact on investment decisions with risk perception as a moderator. The sample of this research is 350 respondents from the 10 best securities companies. The data analysis technique in this study used SEM-PLS with SmartPLS 2.0 software. The results showed that the financial attitude variable on the investment decision variable was 0.180, the influence of financial knowledge on the investment decision variable was 0.318, the influe

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Razafiarivony, Marie-Anne, and Martina Hosna-Janeta. "Effects of Financial Statements Quality and Users' Knowledge on Decision Considerations and the Role of Satisfaction as a Potential Mediator." East African Journal of Business and Economics 5, no. 1 (2022): 35–47. http://dx.doi.org/10.37284/eajbe.5.1.545.

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Financial statements are used in organisations as a source of financial information and are used as a tool in decision-making exercises that involve financial decisions. Financial statements indicate the organisations' current financial health and their future potential growth. Both for-profit and nonprofit organisations can benefit from such type of information. Studies show that there is a significant positive relationship between the use of financial statements and decision-making effectiveness. However, this situation is based on the premise that the financial information provided is of hi

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Marpaung, Ivan Andeska, Retno Purwani Setyaningrum, and Sunita Dasman. "The Effect of Financial Literacy on Investment Decisions Mediated by Financial Behavior." Growth: Journal Management and Business 2, no. 01 (2024): 1–8. https://doi.org/10.59422/growth.v2i01.366.

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The expected benefits of this study are to deepen the results of previous research on how financial literacy variables affect investment decision variables and also to analyze whether financial behavior variables as mediating variables can strengthen or weaken the relationship between financial literacy variables and investment decision variables. The sample population used was 34 employees who worked in the South Jakarta Jamsostek Tower area. The research data was obtained by distributing questionnaires using a Likert scale as a measuring tool. The technique used to understand the data is des

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Masitoh, Noneng, Tine Badriatin, Agi Rosyadi, and Mira Rahmawati. "Financial Literacy, Financial Behavior, and Financial Attitude Toward Invesment Decision." BanKu: Jurnal Perbankan dan Keuangan 5, no. 1 (2024): 24–33. http://dx.doi.org/10.37058/banku.v5i1.10037.

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This research aims to determine and analyze the influence of financial literacy, financial behavior and financial attitudes on investment decisions. The type of research used is quantitative research using descriptive methods. The type and source of data used is primary data, namely data collected and processed by the researcher himself from the object. The total population in this study was 52 people and the sampling technique used was total sampling. Data was collected using a questionnaire method from 52 respondents who were sampled in this study. The data analysis techniques used in this r

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Afshan Ali. "A STUDY ON FINANCIAL LITERACY, INVESTORS’ SENTIMENT, AND FINANCING DECISIONS WITH THE MODERATING ROLE OF INVESTORS’ EXPERIENCE: EVIDENCE FROM PAKISTAN." ASIAN BULLETIN OF ONLINE EDUCATION AND E-LEARNING 1, no. 1 (2021): 38–54. http://dx.doi.org/10.61866/aboeel.v1i1.19.

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This study is unique to explore the impact of investor sentiments and financial literacy on the investment decision of investors with the moderating role of experience. In this relationship, the age and education of the investors are taken as control variables for getting efficient results. Therefore, empirical research is conducted to understand the behavioral pattern of individuals which can stabilize their investment decisions in an emerging market context such as Pakistan. In this study, we incorporate the theoretical perspective of cogitative psychology with investment decisions. For this

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Daniel, Mulinge Nthenge, and Ringera Japhet. "Effect Of Financial Management Practices on Financial Performance of Small and Medium Enterprises in Kiambu Town, Kenya." American Based Research Journal 6, no. 1 (2017): 96–32. https://doi.org/10.5281/zenodo.3442064.

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<em>Financial management is an important element of the management of any business. This study was therefore, designed to establish the effect of financial management practices on financial performance of small and medium enterprises in Kiambu town in Kenya. Three variables namely Working Capital Management, Investment decisions and financing decisions [independent variables] were used to measure financial performance [dependent variable]. The study used descriptive research design utilizing qualitative data captured using a self-administered questionnaire. The study showed that considered ind

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Tóth, Róbert, Richárd Kása, Vitéz Nagy, and Csaba Lentner. "The impact of financial culture on the financing of SMES in Hungary." Investment Management and Financial Innovations 22, no. 2 (2025): 112–26. https://doi.org/10.21511/imfi.22(2).2025.10.

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The financial literacy and culture of small and medium-sized enterprises (SMEs) significantly influence their financial stability, decision-making processes, and long-term sustainability. This study analyzes the relationship between financial literacy, company size, and their impact on access to financing and loan repayment performance among Hungarian SMEs from 2019 to 2023, an emerging market economy characterized by continuous economic challenges. Using a partial linear regression model and mediation analysis on a representative dataset of approximately 2,500 SMEs evenly distributed across s

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Maria, Christantia Ardhiani, and Panjaitan Yunia. "Analysis of Financial Knowledge, Financial Awareness, and Financial Attitude on Investment Decisions in the Capital Market by Indonesian Millennial Generation." JOURNAL OF ECONOMICS, FINANCE AND MANAGEMENT STUDIES 06, no. 05 (2023): 2042–49. https://doi.org/10.5281/zenodo.7940604.

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The purpose of this study is to determine the effect of financial literacy on investment decision-making in the capital market for Indonesia’s millennial generation. Investment instruments available on the capital market have a relatively higher risk compared to conventional investment instruments, such as deposits on the money market, where to invest in the capital market investors must believe that they understand the transaction mechanism and are ready to assume the risks of investing in the capital market. Financial literacy is defined by financial knowledge, financial awareness, and

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Indiraswari, Susmita Dian, and Supami Wahyu Setiyowati. "Moderasi Financial Attitude pada Financial Literacy dan Risk Tolerance terhadap Keputusan Investasi." Jurnal Riset Akuntansi & Perpajakan (JRAP) 10, no. 2 (2023): 150–60. http://dx.doi.org/10.35838/jrap.2023.010.02.13.

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Investment decisions as a decision are called capital budgeting, which is the whole process of planning and making decisions regarding spending with a long-term payback period or more than one year). With the right investment decision, it is hoped that someone can minimize investment risk and maximize the expected rate of return. This study aims to determine the effect of moderating financial attitudes on financial literacy, and risk tolerance on investment decisions in college capital market study group students in Malang City. This research uses quantitative research methods. The population

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Panjaitan, Raya, and Ika. "Financing and Herd Behaviour in Financial Crises: Investment Decision." International Journal of Economics and Business Administration VIII, Issue 4 (2020): 1089–96. http://dx.doi.org/10.35808/ijeba/652.

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Mertzanis, Charilaos. "Financial supervision structure, decentralized decision-making and financing constraints." Journal of Economic Behavior & Organization 174 (June 2020): 13–37. http://dx.doi.org/10.1016/j.jebo.2020.03.004.

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DHOKE, SATISH. "FINANCIAL MANAGEMENT IN MODERN BUSINESS." Manager-The British Journalof Administrative Management 59, no. 158 (2023): 211–21. https://doi.org/10.5281/zenodo.7679696.

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Abstract The objective of this study was to witness the effect of the financial management practice on the financial performance services companies in India. This study viewed the effect of financial management practice of all the mechanisms of financial management those were specifically; working capital, investment decision and financial decision of the services companies in the Mogadishu area. The study employed explanatory and descriptive research design. A sample of 145 respondents was selected using the stratified sampling technique. The data collected through a cross sectional questionn

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Widyastuti, Arie, Ratna Komara, and Layyinaturrobaniyah Layyinaturrobaniyah. "MILLENNIALS: THEIR FINANCIAL LITERACY AND DECISION MAKING." Dinasti International Journal of Education Management And Social Science 1, no. 3 (2020): 326–40. http://dx.doi.org/10.31933/dijemss.v1i3.163.

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Millennials are now the largest population groupings in Indonesia, therefore their decisions in financial matters have significant implications for themselves as well as the country’s economy. This paper is aimed to evaluate the level of financial literacy possessed by the Millennials and their attitudes towards making key financial decisions. Data were collected through questionnaire of 30 questions with 15 questions regarding financial literacy and 15 questions related to financial decision making, with the participants in the study consists of 446 individuals who were born from 1980s to 200

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FITZGERALD, Kyle Clifton, and Ferina MARIMUTHU. "Enhancing Financial Decision-Making: Real Options Complementing the Net Present Value Technique in the Financial Services Sector." International Journal of Environmental, Sustainability, and Social Science 5, no. 5 (2024): 1395–407. https://doi.org/10.38142/ijesss.v5i5.1125.

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This study investigates the effectiveness of integrating real options with the Net Present Value (NPV) technique in the context of the financial services sector. The study aimed to assess how this approach enhances decision-making among financial practitioners. Using a quantitative research approach, data was collected via a questionnaire from 286 financial service participants with prior experience evaluating projects and making decisions. The results concluded that incorporating real options into traditional NPV analysis significantly improves decision-making, offering decision-makers greate

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Rad, Dana, Lavinia Denisia Cuc, Gabriel Croitoru, et al. "Modeling Investment Decisions Through Decision Tree Regression—A Behavioral Finance Theory Approach." Electronics 14, no. 8 (2025): 1505. https://doi.org/10.3390/electronics14081505.

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This study examines the key factors influencing investment decisions through decision tree regression, grounded in behavioral finance theory. By analyzing a comprehensive dataset incorporating behavioral, demographic, and financial variables—including investment attitudes, decision-making behaviors, financial education, age, income, and education—this study identifies significant predictors of investment outcomes. While the model shows moderate predictive performance (R2 = 0.185; MAPE = 172.96%), it identifies hierarchical relationships among behavioral, cognitive, and demographic predictors.

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Li, Ye, Jie Gao, A. Zeynep Enkavi, Lisa Zaval, Elke U. Weber, and Eric J. Johnson. "Sound credit scores and financial decisions despite cognitive aging." Proceedings of the National Academy of Sciences 112, no. 1 (2014): 65–69. http://dx.doi.org/10.1073/pnas.1413570112.

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Age-related deterioration in cognitive ability may compromise the ability of older adults to make major financial decisions. We explore whether knowledge and expertise accumulated from past decisions can offset cognitive decline to maintain decision quality over the life span. Using a unique dataset that combines measures of cognitive ability (fluid intelligence) and of general and domain-specific knowledge (crystallized intelligence), credit report data, and other measures of decision quality, we show that domain-specific knowledge and expertise provide an alternative route for sound financia

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Putri, Silvia, and Halmawati Halmawati. "Pengaruh Financial Literacy, Representativeness Bias, Dan Bias Optimisme Terhadap Pengambilan Keputusan Investasi." JURNAL EKSPLORASI AKUNTANSI 2, no. 3 (2020): 2976–91. http://dx.doi.org/10.24036/jea.v2i3.263.

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This study aims to analyze 1) whether there is an influence of financial literacy on investment decision maknig. 2) Obtain empirical evidence whether there is an Representativeness bias making on investment decisions. 3) Does Bias optimisme affect investment decision making. In this study using Causality Design. Population and sampek are 104 respondents registered in the Indonesia Stock Exchange Investment Gallery (GIBEI) Faculty of Economics, State University of Padang. The method of analysis is multiple linear regression. The results of the study found 1) Financial literacy influences invest

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Turner, Michael J., and Leonard V. Coote. "Incentives and monitoring: impact on the financial and non-financial orientation of capital budgeting." Meditari Accountancy Research 26, no. 1 (2018): 122–44. http://dx.doi.org/10.1108/medar-02-2017-0117.

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Purpose While investment decisions may be financial decisions, there is a growing recognition that they are also often non-financially based decisions. The purpose of this study is to report findings focused on the project selection stage of capital budgeting, which has the objectives of exploring for: the relative degree of emphasis decision makers attach to a financial and non-financial orientation in capital budgeting; and the role, if any, that two agency theory variables have on the relative degree of emphasis: a personal incentive for project go-ahead and monitoring of project outcomes t

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Al-Ichwani, Azzahra, and Rita Rahayu. "Unveiling the Influence of Financial Attitude, Financial Literacy, and Lifestyle on Decision-Making and Financial Well-Being:AComprehensive Study on Generation Z." Jurnal Dinamika Manajemen 16, no. 1 (2025): 179–201. https://doi.org/10.15294/jdm.v16i1.24211.

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This study examines the influence of financial attitudes, financial literacy, and lifestyle on financial decision-making and financial well-being, with a focus on Generation Z. Utilizing a quantitative approach, data were collected from 306 respondents in West Sumatra through online surveys. The data were analysed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) method, employing the Disjointed Two-Stage approach to ensure robustness and accuracy in testing the structural model. The results reveal that financial attitudes and financial literacy significantly enhanc

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Mangara, Ezra Edom, Maulana Malik Muhammad, and Donant Alananto Iskandar. "Pengaruh financial knowledege, financial behaviour, dan financial attitude terhadap keputusan berinvestasi pada masyarakat milenial." Jurnal STEI Ekonomi 34, no. 1 (2025): 29–38. https://doi.org/10.36406/jemi.v34i1.178.

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This research aims to analyze the influence of Financial Behavior, attitudes, and knowledge on financial decision-making. The study utilized a sample of 100 individuals from the millennial population in Jakarta, with data collected through questionnaires representing primary data. SPSS Version 27 software was employed to conduct multiple linear regression analysis and hypothesis testing. The results indicate that the financial decisions made by millennials in Jakarta are positively influenced by their Financial Behavior, attitudes, and knowledge.

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Tubastuvi, Naelati, Muhammad Javier Fausta Azaria, Wida Purwidianti, and Yudhistira Pradhipta Aryoko. "Gen Z Investment Decision: Role of Financial Literacy, Financial Behaviour, Financial Experience and Risk Tolerance." Airlangga Journal of Innovation Management 5, no. 4 (2024): 721–39. https://doi.org/10.20473/ajim.v5i4.61315.

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This research aims to investigate the determinants influencing investment decisions among Generation Z in Banyumas Regency, Indonesia. This research focuses on the population of Generation Z individuals aged 18-27 years, with a sample size of 120 respondents selected through purposive sampling using the 10-times rule method. Data collection was conducted using a structured questionnaire based on a Likert scale to assess various factors, including financial literacy, financial behaviour, financial experience, and risk tolerance. The analysis employed Partial Least Squares Structural Equation Mo

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Abdul Karim, Norzitah, Zainora Ab Wahid, Sharifah Heryati Syed, and Siti Aminah Mainal. "The Influence on Financial Literacy on Personal Financial Decision-Making Among Teenagers." International Journal of Research and Innovation in Social Science VIII, IIIS (2025): 6267–74. https://doi.org/10.47772/ijriss.2024.803468s.

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This study aims to investigate the influence of financial literacy on the personal financial decisions among teenagers in East Malaysia. This study employed financial literacy module which constitutes the financial education provided to teenagers in East Malaysia. Before and after the deployment of this financial literacy module, this study distributed two sets of questionnaires to gauge the level of financial literacy among these teenagers prior and post implementation of the module. These questionnaires were physically distributed and collected to a total of 140 respondents in East Malaysia.

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Kislitsyn, D. V. "Financial literacy training programs and financial behaviour: Why people do not become “financially literate”?" Voprosy Ekonomiki, no. 9 (September 5, 2020): 80–93. http://dx.doi.org/10.32609/0042-8736-2020-9-80-93.

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The paper takes a critical view on the prevalent approaches to developing financial literacy programs. It has been shown that meta-analytical and review studies indicate low efficiency of financial literacy improvement programs: their effect on financial behavior is either statistically insignificant or statistically significant, but practically negligible. Among potential reasons of financial literacy programs low efficiency the role of behavioral factors in financial decision making and the impossibility of determining “financially literate” behavior from the perspective of an outside observ

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Moscoso Zegarra, Giomar Walter, and Jehovanni Fabricio Velarde Molina. "Heurísticos del comportamiento y las decisiones de financiamiento en las empresas." Newman Business Review 9, no. 1 (2023): 46–78. http://dx.doi.org/10.22451/3002.nbr2023.vol9.1.10082.

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The process of making a financial decision assumes that each of the actions being planned or discussed involves two aspects: Profit maximization and cost reduction. Therefore, it is assumed that such decisions are entirely rational. Here the main question arises: People make rational decisions, not being influenced by behavioral factors that affect the quality of the decision and its outcome. Therefore, we seek to determine whether financial decisions are rational and therefore respond to a hierarchy of preference in the use of financial resources (Pecking Order Theory), or whether there are b

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Gross, Evan Z., Rebecca J. Campbell, LaToya Hall, and Peter Lichtenberg. "FINANCIAL DECISION MAKING SELF-EFFICACY IN COGNITIVELY AND FINANCIALLY VULNERABLE OLDER ADULTS." Innovation in Aging 3, Supplement_1 (2019): S477—S478. http://dx.doi.org/10.1093/geroni/igz038.1778.

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Abstract Financial decision making self-efficacy (FDMSE) is a novel construct that may influence how older adults make financial decisions. Our previous research with a community sample of older adults demonstrated that cognitive functioning and suspected history of financial exploitation were both associated with low FDMSE. We sought to replicate these findings in two clinical samples of older adults: people with mild cognitive impairment (MCI) or probable Alzheimer’s disease (PAD) and current victims of scams or exploitation as determined by a financial coach. Samples were obtained from the

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Maalouf, Nada Jabbour Al, Jean Elia, and Chadia Sawaya. "The Effect of Financial Literacy on Financial Behavior and its Impact on Financial Decisions – The Case of Lebanese University Students." International Journal of Membrane Science and Technology 10, no. 3 (2023): 841–59. http://dx.doi.org/10.15379/ijmst.v10i3.1604.

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Financial literacy is the comprehension of finance and attitudes toward financial opportunity and financial behavior. Financial acquaintance is crucial for making responsible financial decisions. In this challenging financial environment, we are living in, young people, particularly university students, must make challenging financial decisions that will impact their financial behavior. This study aims to examine the relationship between financial behavior and financial decision-making among Lebanese university students. The study is significant because it raises serious questions regarding th

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Sugiarto, Sugiarto, Dedy Surahman, and Ma’ruf Sya’ban. "INVESTMENT DECISION FACTORS." SUSTAINABLE 3, no. 2 (2024): 301–12. http://dx.doi.org/10.30651/stb.v3i2.20953.

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The purpose of this study was to determine the effect of financial literacy and personal income on investment decisions. Data collection was carried out by survey using a questionnaire given to 75 respondents. The results of this study indicate that Financial Literacy partially has no significant effect on Financial Behaviour, Financial Literacy partially has a significant effect on Investing Decisions, Personal Income partially has no significant effect on Financial Behaviour, Personal Income partially has a significant effect on Investing Decisions, Financial Behaviour partially has no signi

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Twinkle, Jain. "A Comprehensive Study on Female Spouse Participation in Financial Communication during Family Financial Decision Making." International Journal of Trend in Scientific Research and Development 2, no. 2 (2018): 227–34. https://doi.org/10.31142/ijtsrd8334.

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Money discussion is always a taboo in any relationship especially in that of marriage. Couples don't want to discuss much about financial matters which although is very important in this inflationary world. Sharing responsibilities within marriage is equally important as sharing financial responsibilities for the family. There cannot be bifurcations based on genders or any other categories. So, during family financial decision making, role of female spouse becomes equivalent important as she is both privileged and accountable for the repercussions of it as like her spouse. Involvement of f

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Guruansh Singh. "Impact of behavioral finance on financial decision making." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 1548–54. http://dx.doi.org/10.30574/wjarr.2024.24.1.3135.

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This paper highlights the disproportionate effect of behavioral finance on investor’s investing decisions. While making any financial decisions, one easily gets influenced by psychological and emotional factors. Past individual experiences, tendency or opportunity for herd behavior, personal judgment, overconfidence in one's abilities, aversion to feelings of regret, reliance on advice from experts, and last but not least, something known as the disposition effect—by which investors tend to hold on to losing investments and professionally sell profitable ones too early. The impact of these fac

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Guruansh, Singh. "Impact of behavioral finance on financial decision making." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 1548–54. https://doi.org/10.5281/zenodo.15037461.

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This paper highlights the disproportionate effect of behavioral finance on investor’s investing decisions. While making any financial decisions, one easily gets influenced by psychological and emotional factors. Past individual experiences, tendency or opportunity for herd behavior, personal judgment, overconfidence in one's abilities, aversion to feelings of regret, reliance on advice from experts, and last but not least, something known as the disposition effect—by which investors tend to hold on to losing investments and professionally sell profitable ones too early. The impact

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Niazi, Muhammad Khurram Shehzad. "The Impact of Risk Behaviour and Demographics on Financial Decision Making Moderated by Financial Sophistication." Asia Proceedings of Social Sciences 1, no. 1 (2018): 10–14. http://dx.doi.org/10.31580/apss.v1i1.264.

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The research fall in between the traditional finance and cognitive domain of financial decision making by applying the behavioural finance to practical decisions, having overall impact on the economy when applied to the whole community. Research proposed three hypotheses, 1st to test impact of Risk behaviour and demographics on financial decision making, investigate the correlation between financial sophistication and financial decisions and 3rd the impact of risk behaviour and demographics on financial decisions moderated by financial sohphistication. Survey questionnaire responses from 775 r

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Katauke, Takuya, Sayaka Fukuda, Mostafa Saidur Rahim Khan, and Yoshihiko Kadoya. "Financial Literacy and Impulsivity: Evidence from Japan." Sustainability 15, no. 9 (2023): 7267. http://dx.doi.org/10.3390/su15097267.

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The existing literature considers financial literacy to be a proxy for rational decision-making instruments. Although there is empirical evidence on the impact of financial literacy on improving rational decision-making ability, it is not yet known whether financial literacy reduces irrational decisions. Impulsive decisions are a form of irrationality where people prefer smaller but earlier rewards over larger but delayed rewards. Thus, impulsive decisions lead to suboptimal decisions in terms of utility gain. This study investigated whether financial literacy reduces impulsivity in financial

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Setyawan, Ignatius Roni, Margarita Ekadjaja, and Alwina Salim. "DAPATKAH FINANCIAL LITERACY BERFUNGSI SEBAGAI MEDIASI YANG BAIK UNTUK FAKTOR-FAKTOR PENENTU FINANCIAL MANAGEMENT DECISION." Jurnal Muara Ilmu Ekonomi dan Bisnis 6, no. 1 (2022): 137. http://dx.doi.org/10.24912/jmieb.v6i1.16187.

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Penelitian ini bertujuan memberikan jawaban terhadap kontradiksi dalam hasil penelitian sebelumnya, serta memberikan sudut pandang baru dengan membagi kelompok usia responden di bawah dan di atas 40 tahun. Pembedaan ini bertujuan untuk menunjukkan bagaimana faktor usia berhubungan dengan tingkat kematangan berpikir dan bertindak seseorang, baik dalam pembuatan keputusan sehari-hari maupun financial management decision. Hal baru yang ditawarkan penelitian ini adalah mencari bukti efektivitas financial literacy sebagai mediasi yang baik untuk faktor-faktor penentu financial management decision s

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Mallfi Lutfia and Herlina Yustati. "Pengaruh Literasi Keuangan Terhadap Keputusan Penggunaan Produk Pegadaian Syariah." SANTRI : Jurnal Ekonomi dan Keuangan Islam 2, no. 6 (2024): 25–37. https://doi.org/10.61132/santri.v2i6.968.

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This research aims to analyze the influence of financial literacy on decisions to use sharia pawnshop products. Financial literacy is an important factor that influences individuals in making financial decisions, including choosing sharia-based financial products. In this context, sharia pawnshops are one of the financial institutions that offer financing solutions according to sharia principles. This study uses a quantitative method with a survey approach to sharia pawnshop customers. Data were analyzed using linear regression to measure the relationship between the level of financial literac

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Hidayat, Rusdi, Acep Samsudin, Minanti Dwi Setianingrum, Badi Atus Sa’adah, Dini Annisa Pelupessy, and Wirda Fitria Sahila. "Attitude dan Financial Knowledge Menjadi Salah Satu Faktor Dalam Pengambilan Keputusan pada UMKM." El-Mujtama: Jurnal Pengabdian Masyarakat 3, no. 2 (2023): 495–500. http://dx.doi.org/10.47467/elmujtama.v3i2.2750.

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This study aims to determine the effect of Financial Attitude and Financial Knowledge on decision making in Micro, Small and Medium Enterprises (MSMEs). The research method used is the study of literature and literature. Where the author uses various journals whose discussion is still relevant to be used as reference material for making this journal. The results of the study show that investment decisions for MSMEs are not affected by financial feasibility and decision-making when returning has a positive and significant effect on financial attitudes and Financial Knowledge. This means that th

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Rivero Fernandez, Renzo Rimaneth, Alfredo Ruitval Velazco Gonzales, and Erick Percy Berrios Fernandez. "Analysis of Financial Decision-Making in Small Enterprises: Gaps Between Financial Mathematics Theory and Business Practice." Minerva 6, sp (2025): 28–32. https://doi.org/10.47460/minerva.v6isp.204.

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This study examined the gap between financial mathematics theory and the real-world financial decision-making practices of small entrepreneurs. Using a mixed-methods approach, surveys and a documentary review were conducted. The results revealed limited use of formal financial tools, despite frequent economic decisions. The study concludes that context-sensitive financial education is essential to improve decision-making quality and strengthen the sustainability of small businesses.

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Schwartz, Eduardo S., and Jonathan E. Ingersoll. "Theory of Financial Decision Making." Journal of Finance 43, no. 1 (1988): 259. http://dx.doi.org/10.2307/2328335.

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