Relevant bibliographies by topics / Investment-decision making; Financial literacy / Journal articles
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Journal articles on the topic 'Investment-decision making; Financial literacy'

Author: Grafiati
Published: 5 June 2025
Last updated: 2 August 2025

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1

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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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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Munawar, Asep, Suryana Suryana, and Nugraha Nugraha. "PENGARUH LITERASI KEUANGAN DAN FAKTOR DEMOGRAFI TERHADAP PENGAMBILAN KEPUTUSAN BERINVESTASI." AKUNTABILITAS 14, no. 2 (2020): 253–68. http://dx.doi.org/10.29259/ja.v14i2.11480.

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This study aims to examine the effect of financial literacy and demographic factors on investment decision making, the research method used is a survey with a quantitative approach, using a sample of 100 students on the STIE Wikara Campus. The data analysis technique used is Multiple Regression Analysis. The results showed that financial literacy has a significant effect on investment decision making, or has a significant role on formation in investment decision making, and motivation has a significant effect on decision making on investment or has a role on decision making on investment. Othe
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Mugambe, Paddy. "FINANCIAL LITERACY AND COLLECTIVE INVESTMENT DECISIONS AMONG INVESTMENT CLUB MEMBERS IN UGANDA." International Journal of Research in Commerce and Management Studies 04, no. 04 (2022): 30–45. http://dx.doi.org/10.38193/ijrcms.2022.4404.

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Financial literacy among different groups of people has been a subject of research from different perspectives. The literature about financial literacy and the decision-making of a group of people in the form of an investment club requires special attention since groups are used as special vehicles to spur saving and investment in a number of countries including Uganda. In the face of these developments, it becomes important to assess the financial literacy of individuals that constitute these groups and how the level of their financial literacy affects investment decision-making by the groups
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Bayakhmetova, Aliya, Leyla Bayakhmetova, and Lyazzat Bayakhmetova. "Impact of financial literacy on investment decisions in developing countries: The example of Kazakhstan." Asian Development Policy Review 11, no. 3 (2023): 167–81. http://dx.doi.org/10.55493/5008.v11i3.4917.

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This study aims to establish the impact of financial literacy on investment decision-making in developing countries, with the Republic of Kazakhstan serving as a case study. The research approach involved conducting a questionnaire survey for Kazakhstan residents to evaluate their level of financial literacy, followed by analysis of the results through the SPSS software. To evaluate the influence of financial literacy on the efficiency of investment decision-making, a correlation analysis was performed on two variables: the financial literacy index and the investment decision-making efficiency
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Martaningrat, Nike Wahyu Suci, and Yohannes Kurniawan. "The Impact of Financial Influencers, Social Influencers, and FOMO Economy on the Decision-Making of Investment on Millennial Generation and Gen Z of Indonesia." Journal of Ecohumanism 3, no. 3 (2024): 1319–35. http://dx.doi.org/10.62754/joe.v3i3.3604.

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This study aims to observe the impact of financial influencers, social influencers, and the FOMO economy moderated by financial behavior and financial literacy on the decision-making to invest in the millennial generation and Gen Z of Indonesia. This study used a Likert scale questionnaire to collect the data. There were 306 samples gathered. The data were analyzed using Smart PLS software with the PLS method. The result showed that the financial influencers and the FOMO economy significantly influenced investment decision-making for the Millennial and Generation Z generations. However, when f
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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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Siratan, Elkunny Dovir, and Temy Setiawan. "Pengaruh Faktor Demografi dan Literasi keuangan dengan Behavior Finance dalam Pengambilan Keputusan Investasi." Esensi: Jurnal Bisnis dan Manajemen 11, no. 2 (2021): 237–48. http://dx.doi.org/10.15408/ess.v11i2.23671.

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The investment decision-making process is influenced by various factors, including financial literacy and demographic factors. This research examines the impact of demographic factors and financial literacy with behavioral finance as a mediation on investment decision making. This research using structural equation model (SEM) analysis. The result shows that demographic factors through gender, age, education, income, occupation and experience have an influence and cause a specific behavior in investment decision making. Then the financial literacy factor has an influence in reducing negative b
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Junianto, Yopy, and Cliff Kohardinata. "Financial Literacy Effect and Fintech in Investment Decision Making." Primanomics : Jurnal Ekonomi & Bisnis 19, no. 1 (2021): 168. http://dx.doi.org/10.31253/pe.v19i1.515.

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Indonesia is a country that has a fairly good level of investment from year to year, based on KSEI 2020 data. This indicates that Indonesia's business opportunities are quite promising. This increase in investment was also followed by technological developments in the financial sector as we know fintech. The results of this fintech product have been widely used by many groups, especially for investment activities. This is one of the driving points for increasing investment in Indonesia. In general, investments are usually made by people who have sufficient literacy skills. Because various expe
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Junianto, Yopy, Cliff Kohardinata, and Diana Silaswara. "Financial Literacy Effect and Fintech in Investment Decision Making." Primanomics : Jurnal Ekonomi & Bisnis 18, no. 3 (2020): 150. http://dx.doi.org/10.31253/pe.v18i3.472.

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Indonesia is a country that has a fairly good level of investment from year to year, based on KSEI 2020 data. This indicates that Indonesia's business opportunities are quite promising. This increase in investment was also followed by technological developments in the financial sector as we know fintech. The results of this fintech product have been widely used by many groups, especially for investment activities. This is one of the driving points for increasing investment in Indonesia. In general, investments are usually made by people who have sufficient literacy skills. Because various expe
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Mishra, Deepak, Naveen Agarwal, Sanawi Sharahiley, and Vinay Kandpal. "Digital Financial Literacy and Its Impact on Financial Decision-Making of Women: Evidence from India." Journal of Risk and Financial Management 17, no. 10 (2024): 468. http://dx.doi.org/10.3390/jrfm17100468.

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Despite the increasing accessibility of digital financial instruments globally, a number of women encounter obstacles in properly using these platforms due to insufficient digital financial literacy, which profoundly affects their financial decision-making and economic empowerment. This study aims to promote digital financial literacy and Fintech adoption for women in India by examining the effects of digital financial literacy on financial decision-making while considering the mediating effect of government support and digital financial literacy. Furthermore, in this study, we analyzed the re
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Fatma Satyani. "The influence of financial literacy, herding and overconfidence on investment decision making among Indonesian Gen Z." Finance & Accounting Research Journal 6, no. 11 (2024): 2016–27. http://dx.doi.org/10.51594/farj.v6i11.1686.

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Investment decisions geared towards securing long-term gains, are influenced by both rational and irrational attitudes in the allocation of capital. Financial literacy serves as a metric for evaluating the rational perspective, whereas behavioral finance examines the irrational inclinations, such as overconfidence and herding. This research was conducted with quantitative method with data collected by questionnaire shared among Indonesian people. This study scrutinizes how financial literacy, herding and overconfidence influencing those Indonesian gen z on investment decision. The results show
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Susanti, Eka Nana, and Muhamad Alimudin. "Keputusan Berinvestasi Secara Digital di Siswa Sekolah Menengah." Jurnal EMT KITA 9, no. 1 (2025): 316–23. https://doi.org/10.35870/emt.v9i1.3459.

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Investment is an activity that can be undertaken by anyone. Recently, numerous investment models have emerged in the digital world. The variety of investment models requires individuals to be cautious in selecting the right investment. For students, understanding financial literacy is crucial to avoid making poor investment decisions. This study aims to identify students' knowledge about investments and determine the influence of financial literacy on investment decision-making. The research employs a quantitative method with 91 respondents. Data analysis includes validity tests, reliability t
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Wijaya, J. H., Febyana Rizki Dwiputeri, Dittia Avliliani, and Ivan Gumilar Sambas Putra. "Cointegration of Financial Literacy and Financial Behavior of Student Investment Decision Making." Innovation Business Management and Accounting Journal 3, no. 3 (2024): 302–10. https://doi.org/10.56070/ibmaj.2024.033.

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This research was conducted to measure the impact of long-term influence between financial literacy and financial behaviour on student investment decisions. The sample in this study was 120 undergraduate Management students at Widyatama University. The data was collected by using a questionnaire and the sampling technique was using non-probability sampling with a more specific technique that was taken by the researcher in the non-probability sampling technique was purposive sampling. The total sample used in this study was 120 respondents. The method used is multiple linear regression analysis
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Poudel, Aarju, Sudip Bhusal, and Durga Datt Pathak. "Behaviour Bias and Investment Decision in Nepalese Investors." International Journal of Business and Management 19, no. 2 (2024): 85. http://dx.doi.org/10.5539/ijbm.v19n2p85.

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The purpose of this study was to examine the impact of behavioral biases, such as overconfidence, disposition effect, herding, risk aversion, and financial literacy, on investment decision making. The sample was collected using a convenient method, and 338 respondents participated in the study. The study utilized descriptive statistics, ANOVA, independent sample t-tests, correlation, and linear regression analysis to analyze the data. The findings of the study suggest that overconfidence, disposition effect, and risk aversion have a significant positive impact on investment decision making, wh
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Abideen, Zain UI, Zeeshan Ahmed, Huan Qiu, and Yiwei Zhao. "Do Behavioral Biases Affect Investors’ Investment Decision Making? Evidence from the Pakistani Equity Market." Risks 11, no. 6 (2023): 109. http://dx.doi.org/10.3390/risks11060109.

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Using a unique sample constructed by 600 investors’ responses to a structured questionnaire, we investigate the impact of behavioral biases on the investors’ investment decision making in the Pakistani equity market, as well as the roles that market anomalies and financial literacy play in the decision making process. We first document the empirical evidence to support that the behavioral biases and market anomalies are closely associated and that these two factors significantly influence the investors’ investment decision making. The additional analyses confirm the mediating roles of certain
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IRAM, TAHIRA, Ahmad Raza Bilal, and Zeshan Ahmad. "Investigating The Mediating Role of Financial Literacy on The Relationship Between Women Entrepreneurs’ Behavioral Biases and Investment Decision Making." Gadjah Mada International Journal of Business 25, no. 1 (2023): 93. http://dx.doi.org/10.22146/gamaijb.65457.

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This study investigates the theoretical link between heuristic behavioral factors and the investment decision-making of women entrepreneurs, focusing on the impor­tance of financial literacy as a potential mediator shaping prudent decision-making. We argue that women’s financial literacy is an efficient way to apply behavioral considerations in wise decision making. Using the proportionate stratified sampling method, we collect­ed data from women entrepreneurs who were formally registered in Punjab Province, Pakistan. Owing to the complex model and small sample size, the smart PLS method was a
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18

Ashmita Dahal Chhetri, Guna Raj Chhetri, and Pawan Poudel. "Past Behavior and Financial Literacy on Investment Decision Making of Individual Investors." Pravaha 30, no. 1 (2024): 143–52. https://doi.org/10.3126/pravaha.v30i1.76901.

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Investment decision-making is a critical aspect of financial management, influenced by cognitive biases, financial literacy, and past behavior. This study examines the impact of past behavior and financial literacy on investment decision-making among Nepalese investors, incorporating the Theory of Planned Behavior (TPB). Using SmartPLS 4, the study analyzes 426 respondents with at least three years of investment experience. The findings reveal that financial literacy significantly influences attitude and investment decisions, while past behavior impacts investment choices. However, perceived b
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Desda, Mia Muchia, Mai Yuliza, Satriadi Satriadi, Rika Desiyanti, Valen Febianni, and Dini Dini. "Investment Decisions of Generations Y and Z With Financial Literacy as a Moderation Variable in the Era of Digitalization." MARGINAL JOURNAL OF MANAGEMENT ACCOUNTING GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES 4, no. 2 (2025): 243–51. https://doi.org/10.55047/marginal.v4i2.1595.

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Digital investment platforms have made various investment instruments increasingly accessible to younger generations in Indonesia, yet concerns persist about how financial literacy levels impact investment decision-making. This study aims to analyze the influence of financial literacy on investment decisions among Generation Y (millennials) and Generation Z in Indonesia, with financial literacy serving as a moderating variable. The research employed a quantitative approach through a survey of 300 respondents from both generations. Analysis of the data revealed that financial literacy significa
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Maina, Chepngeno E., Dennis Nyamasege, and Cornelius Kurere. "Availability Bias, Financial Literacy and Investment Decisions of Selected Small and Medium Enterprises in Nairobi County." Scholars Journal of Economics, Business and Management 12, no. 04 (2025): 105–13. https://doi.org/10.36347/sjebm.2025.v12i04.004.

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Investment decision-making is essential for the effective allocation of resources, especially for small and medium enterprises in developing economies such as Kenya, where these enterprises are pivotal to economic development. Although theoretical frameworks such as current portfolio theory highlight rational decision-making, empirical evidence indicates that behavioral biases considerably affect small and medium enterprises investment decisions. This study examined the influence of availability bias on investment decisions mediated by financial literacy among small and medium enterprises in N
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Mahat, Nur Alya Afiqah Binti, and Wei-Theng Lau. "Financial Literacy, Experience, Risk Tolerance and Investment Behavior: Observations during Pandemic." International Journal of Research and Innovation in Social Science VII, no. X (2023): 558–73. http://dx.doi.org/10.47772/ijriss.2023.701046.

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This paper investigates the relationships among financial literacy, investment experience, risk tolerance, and investment decision-making. The study, carried out in the top two populated states in Peninsular Malaysia, is to better understand investment behavior, especially during the coronavirus disease (COVID-19) pandemic. The target respondents are widely distributed across ages, academic qualifications, years of investment experience, occupations, and gender. The correlations and regressions propose significant relationships among financial literacy, investment experience, risk tolerance, a
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Bhavana, Jaiswal. "Financial Literacy and Investment Decision among Salaried Employees - A Critical Review." International Journal for Research Trends and Innovation 9, no. 9 (2024): 36–39. https://doi.org/10.5281/zenodo.13856810.

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Financial literacy and the ability to use that knowledge and skills are preconditions for making appropriate financial decisions. Financial literacy helps individuals in assessing the risk and return of various financial products and services which results in the selection of suitable investments. The purpose of this study is to present a review of recent studies that focus on financial literacy and its impact on making investment decisions among salaried individuals. The period covered in the research paper is from year 2010 to 2023. Various research has been conducted in the field of financi
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Santosa, R. Ery Wibowo Agung, Nur Khatik, and Osmad Muthaher. "THE EFFECT OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, AND SOCIO DEMOGRAPHIC OF AGE ON ENTREPRENEUR INVESTMENT DECISION MAKING." Fokus Ekonomi : Jurnal Ilmiah Ekonomi 18, no. 2 (2023): 138–50. http://dx.doi.org/10.34152/fe.18.2.138-150.

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The purpose of this research is to investigate the effect of financial literacy level, financial technology and age socio-demographic factors on the investment decision behavior of entrepreneurs. The research respondents were entrepreneurs in Semarang with a sample of 50 people. The sampling technique used in this study is non-probability sampling with a convenience sampling approach. The data were analyzed using the Path Analysis technique. The results of this study indicate that the level of financial literacy and age have a positive effect on the investment decisions of individual entrepren
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Quincy, Shambuluma, and Matafwali Marien. "Assessing the Effects of Financial Literacy on Personal Investment Decisions: The Case of Stanbic Bank Zambia Limited." International Journal of Management and Economics Invention 11, no. 05 (2025): 4177–83. https://doi.org/10.5281/zenodo.15394686.

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ABSTRACT : Financial literacy is a crucial determinant of individual investment decisions, influencing risk assessment, portfolio diversification, and overall financial wellbeing. This study examines the effects of financial literacy on personal investment decisions, using employees of Stanbic Bank Zambia Limited as a case study. The research evaluates the relationship between financial literacy and investment decision making. A quantitative research approach was employed, utilizing structured questionnaires to collect data from 103 employees. The data was analyzed using descriptive statistics
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Fadjar, Achmad, Andry Arifian Rachman, and Syafrizal Ikram. "Pentingnya Literasi Keuangan Dalam Pengambilan Keputusan Investasi Bagi Generasi Milenial." Journal of Economic, Bussines and Accounting (COSTING) 7, no. 1 (2023): 2454–64. http://dx.doi.org/10.31539/costing.v7i1.8001.

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Not a few losses that occur due to errors in the selection of assets or investment projects by a company or individual with the original intention of obtaining profitable results in the future but in reality experiencing losses due to a lack of understanding of financial literacy. The sample in this study used millennial generation S2 Accounting students at Widyatama University graduate school as respondents. Data obtained through questionnaires and interviews with data analysis using simple linear regression. The results showed that there was an influence of financial literacy on investment d
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Alaaraj, Hassan, and Ahmed Bakri. "The Effect of Financial Literacy on Investment Decision Making in Southern Lebanon." International Business and Accounting Research Journal 4, no. 1 (2020): 37. http://dx.doi.org/10.15294/ibarj.v4i1.118.

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This study examines the effect of financial Literacy on investment decision making among investors in South Lebanon. Financial literacy is expressed in terms of knowledge and awareness while investors’ decision-making is described as the act of investors and the way they interpret, anticipate, investigate, and assess the steps and transaction for decision making. This includes investment risk, investment decision model and process. To achieve the research objective, a quantitative approach was applied in which 150 self-administered questionnaires were collected using convenience sampling. The
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Mansoor, Muhammad, Aamir Sohail, and Nida Syed. "DYNAMICS OF DECISION-MAKING: FINANCIAL & HERDING BEHAVIOR EFFECTS ON RETAIL INVESTORS' INVESTMENT CHOICES: THE MODERATED MEDIATION APPROACH." Journal of Social Research Development 4, no. 03 (2023): 609–21. http://dx.doi.org/10.53664/jsrd/04-03-2023-07-609-621.

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The aim of this study is to investigate the intricate relationship between financial behavior, financial literacy, herding behavior, risk perception, and investment decision-making in specific environment of Pakistan Stock Exchange. To achieve the intended objective, study approach using cross-sectional design was used. A sample of 250 participants was selected in conventional financial institutions situated in Lahore. The data collecting procedure included the implementation of structured survey that used a five-point Likert scale. Data analysis used PLS-SEM. The results of study revealed sta
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Dr., Reema Sharma. ""Impact of financial literacy and Risk Tolerance on Investment Decision"." International Journal of Management and Humanities (IJMH) 4, no. 11 (2020): 53–56. https://doi.org/10.35940/ijmh.K1059.0741120.

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Researcher has followed a widespread approach for explain the relationship between financial literacy, risk tolerance and investment decision. Recently there has been increasing interest in studying the behaviors of investors and the factors which affecting the investment decisions of investors due to a synchronized approached followed by a large number of investors. A Study has been shown that a large number of investors look after the safety of their money not higher return.[1] Investment decision is a crucial decision which is influenced by various factors as financial literacy, income leve
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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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Mathur, Harshita. "Heuristics at Play: Can Financial Literacy Lead to Smarter Investment Decisions?" INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50668.

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Abstract – The present study attempts to investigate the impact of heuristics bias on investment decision making via the mediating role of financial literacy. The study is based on the behavioral finance theory and conducted through the structural equation modeling (SEM) approach to analyze the relationships that exist between heuristic bias, financial literacy, and investment decisions. The results of the study reveal a noteworthy positive impact of heuristic approaches on investment decisions, as well as the role of financial literacy in shaping those decisions. Moreover, there exists a nota
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Welivita and Kumari. "THE IMPACT OF FINANCIAL LITERACY ON PERSONAL INVESTMENT DECISION-MAKING: COMPARATIVE STUDY OF MANAGEMENT AND NON-MANAGEMENT UNDERGRADUATE AT RAJARATA UNIVERSITY OF SRI LANKA." Journal of Accountancy & Finance 11, no. 2 (2024): 63–88. https://doi.org/10.57075/jaf1122404.

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The purpose of this study is to examine the impact of financial literacy on the personal investment decision-making of management and non-management undergraduates at Rajarata University of Sri Lanka. The study also focuses on the difference in financial literacy levels between management and non-management undergraduates and between the various demographic factors. A random sample of 367 undergraduates from both management and non-management fields filled out a survey-based questionnaire. According to the analysis, financial literacy and the study's dimensions, financial knowledge, financial
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Hidayat, Rahmat, and Abdul Moin. "The influence of financial behavior on capital market investment decision making with mediating of financial literacy in Yogyakarta." International Journal of Research in Business and Social Science (2147- 4478) 12, no. 8 (2023): 227–37. http://dx.doi.org/10.20525/ijrbs.v12i8.2974.

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The growth of capital market investors and financial literacy has increased every year and investors in making an investment decision However, financial theory argues that there are psychological biases that can influence investors in making inappropriate investment decisions. This study aims to examine the influence and analyze Overconfidence, Loss Aversion and Herding Bias on investment decisions and Financial Literacy as a mediating variable. Financial Literacy is used as mediating variable in the relationship of Overconfidence, Loss Aversion. However Herding Bias variables on Investment De
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Evanthi, Ayundha, Ira Wikartika, and Rahman Amrullah Suwaidi. "Investment Decision Making With Investment Satisfaction As An Intervening Variable: Availability Bias And Financial Literacy." JBMP (Jurnal Bisnis, Manajemen dan Perbankan) 9, no. 1 (2023): 12–24. http://dx.doi.org/10.21070/jbmp.v9i1.1661.

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Good investment climate is expected to attract investors to invest their capital with the convenience offered. The role of investor behaviour is very important in the use of the capital market as a place to invest. Rational considerations and emotional aspects also influence investment decision making. Young investors tend to have an aggressive nature that is very influential on making investment decisions. Availability bias is the ease of obtaining information so that investors tend to make investment decisions based on the information that is most quickly obtained. Stock investment literacy
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Asandimitra, Nadia, Tony Seno Aji, and Achmad Kautsar. "Financial Behavior of Working Women in Investment Decision-Making." Information Management and Business Review 11, no. 2(I) (2019): 10–20. http://dx.doi.org/10.22610/imbr.v11i2(i).2878.

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The purpose of this study is to measure the level of financial literacy of working women, to describe assets allocation, as well as the time and profit in investment. This research paper is a qualitative study using the descriptive method. Noting the purpose, it is suitable if the qualitative approach was implemented. The respondents are working women with most of them have been married, 16-22 years old on average, have a bachelor degree, and work in the government sector with the majority of the income is more than 4.000.000 rupiahs. Those respondents’ characteristics will influence their c
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Muhammad Israr Butt and Dr. Sohaib Uz Zaman. "Impact of Investors Behavioural Factors Leading Investment Decision Making an Empirical Study in a Mediating role of Financial Literacy a Case Study of Local Investors of Pakistan Stock Market." Physical Education, Health and Social Sciences 3, no. 1 (2025): 32–43. https://doi.org/10.63163/jpehss.v3i2.195.

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Purpose - In this research paper, we study the behavioral factors that impact investment decision making among the Pakistan stock exchange (PSX) investors in Karachi, considering the aspects of investor sentiments, overconfidence bias, and herding behavior, with financial literacy acting as a mediating factor.Methodology - A quantitatively designed survey was shared with PXS investors, out of which we received 115 valid responses. SPSS (version 22, SPSS Inc.) and Excel were used to perform correlation and multiple linear regression analysis.Findings - Investor sentiments, overconfidence, and m
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Agustya Ningrum, Dewi, and Jenny Susanti. "THE EFFECT OF FINANCIAL LITERACY, INCOME AND PER-CEIVED RETURN ON INVESTMENT DECISIONS." IQTISHADequity jurnal MANAJEMEN 6, no. 1 (2023): 1–11. https://doi.org/10.51804/iej.v6i1.16398.

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This study aims to examine the influence of financial literacy, income, and return perception on investment decision-making among the people of Sidoarjo. The research method used was quantitative method with a sample of 100 respondents selected through purposive sampling technique. Data collected was through questionnaires and analyzed using statistical analysis technique, data quality testing, classical assumption testing, multiple linear regression analysis, and hypothesis testing. The research results demonstrate that financial literacy, income, and return perception both partially and simu
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Nuryasman MN, Nyoman Suprasta,. "Faktor-Faktor Yang Mempengaruhi Pengambilan Keputusan Investasi Saham." Jurnal Ekonomi 25, no. 2 (2020): 251. http://dx.doi.org/10.24912/je.v25i2.669.

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: Investment decision making is a complex process that includes analysis of several factors and follows various steps. The purpose of this study is to identify factors that influence investment decision making among potential individual investors in Indonesia. Four behavioral factors can influence investment decision making, namely Financial literacy, financial experience, locus of control and experience regret A set of questionnaires were distributed to 420 individual stock investors to measure their investment decisions. The results of this study indicate that financial literacy, locus of co
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Anggriani, Yeni, Anwar Azazi, Wenny Pebrianti, and Uray Ndaru Mustika. "PERAN LITERASI KEUANGAN SEBAGAI VARIABEL MEDIASI DALAM PENGAMBILAN KEPUTUSAN INVESTASI PADA GENERASI Z : UJI TERHADAP BIAS-BIAS PERILAKU." Jurnal Riset Multidisiplin Edukasi 2, no. 6 (2025): 1140–56. https://doi.org/10.71282/jurmie.v2i6.429.

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This study aims to investigate the role of financial literacy as a mediator in investment decision making by Generation Z in Indonesia, especially on the influence of behavioral biases such as overconfidence, representativeness, and availability. Using a quantitative cross-sectional approach and purposive sampling technique, this study involved 257 Generation Z respondents who had investment experience. Data were obtained through an online questionnaire and analyzed using path analysis and the Sobel test. The results show that financial literacy significantly mediates the relationship between
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Hariono, Michael Wijayanto, Rino Tam Cahyadi, and Dian Wijayanti. "Pengaruh Bias Perilaku terhadap Pengambilan Keputusan Irasional dengan Financial Literacy sebagai Pemoderasi." Jurnal Samudra Ekonomi dan Bisnis 14, no. 1 (2023): 1–14. http://dx.doi.org/10.33059/jseb.v14i1.5304.

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This study aims to examine the effect of status quo bias, regret aversion bias, loss aversion bias and availability bias on irrational investment decision making by investors in Malang City moderated by financial literacy. The number of respondents as many as 87 people came from a group of investors from several securities offices and community groups of Beginner Stock Investors (ISP) Malang City. This study uses moderated regression analysis as a test tool. The results of this study indicate that regret aversion bias and loss aversion bias have a positive effect on irrational investment decis
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Mikelionyte, M., and A. Lezgovko. "HOW FEMALE DIFFER IN DECISION MAKING FOR PERSONAL INVESTMENT STRATEGY." Financial and credit activity problems of theory and practice 5, no. 40 (2021): 92–98. http://dx.doi.org/10.18371/fcaptp.v5i40.244902.

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Abstract. This study investigates Lithuanian females’ personal investment peculiarities in line with Australia’s case analysis and application as a good practice method. Based on many publicly available research females tend to have less knowledge about finances in general and particularly investment processes; hence, it leads to their lack of interest into investing and the possibility of poor money management. This issue might be solved by investigating why it appears first and adopting the practical example from countries with developed investment market. In the case of comparison of person
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Noheed Khan, Khalid Latif, Nadeem Sohail, and Zohaib Zahid. "Web Disclosure as Mediating Role in the Relationship Between Paradox of Choice, Investor Experience, Financial Literacy and Investment Decision Making: Evidence From China." Journal of Accounting and Finance in Emerging Economies 5, no. 1 (2019): 83–92. http://dx.doi.org/10.26710/jafee.v5i1.719.

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Purpose: The aims of this study to find the web disclosure as mediating role in the relationship between paradox of choice, investor experience, financial literacy and investment decision making..
 Design/Methodology/Approach: Data were obtained from the 200 respondents for recent empirical investigation. The structural equation model is employed for analyzing the data.
 Findings: The novel findings suggest that paradox of choice, investor experience, and financial literacy have direct positive effect on investment decision making. Moreover, the findings recommend that web disclosure
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Wijayanti, Rahmah Putri, Elmy Nur Azizah, and Herwin Kurniawan. "The Role of Financial Literacy and Financial Behavior on Student Investment Decisions." Agregat: Jurnal Ekonomi dan Bisnis 8, no. 1 (2024): 1–8. http://dx.doi.org/10.22236/agregat_vol8.i1/14023.

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This study aims to see how financial literacy and financial behaviour can affect investment decision making for university students. Methods: This study is a quantitative study. Sample determination using purposive sampling method with a total of approximately 200 people. Data collection is using a questionnaire with a Likert scale (1-5). The results of obtaining data from the questionnaire will be analysed using descriptive data analysis techniques and processed using SEM PLS software. Results: the results of the above research state that financial literacy and financial behaviour have a sign
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Uddin, Moin, Mohammad Athar Ali, Hamad Alhumoudi, Sufyan Habib, Vivek Vivek, and Mohammed Arshad Khan. "The effect of financial literacy on investment decision making in Kingdom of Saudi Arabia: An empirical study." Journal of Infrastructure, Policy and Development 8, no. 10 (2024): 6732. http://dx.doi.org/10.24294/jipd.v8i10.6732.

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Background: People who are financially literate are able to make sound decisions regarding their money since they have a firm grasp of the fundamentals of money and financial products. The significance of financial literacy has been acknowledged by numerous nations, prompting the formation of task teams to assess their populations and develop educational and outreach programs. The requirement to make educated decisions about ever-increasing financial goods necessitates a higher level of financial literacy. Aim: Being able to make sense of one’s personal financial situation is becoming an incre
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Syahaya, Jumara Tori, Armiaty Putri Cesaria Pardosi, Arni Arni, Natalis Sabatini Nababan, and Riyanti Ratna Ningsih. "Peran Financial Literacy dan Overconfidence dalam Pengambilan Keputusan Investasi: Suatu Tinjauan Kuantitatif." Journal of Innovation in Management, Accounting and Business 3, no. 1 (2024): 36–45. http://dx.doi.org/10.56916/jimab.v3i1.565.

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This research aims to explore the impact of Financial Literacy and Overconfidence on investment decisions among students of the Faculty of Economics and Business, Universitas Pamulang. Utilizing a quantitative method, data was collected from respondents who participated in the Capital Market School. The analysis revealed that individually, Financial Literacy and Overconfidence do not exert a significant influence on investment decisions. However, when examined together, they collectively yield a significant effect. The Regression Analysis results indicate that Financial Literacy does not exhib
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Rahayu Pradnyani, Luh Gede Rai, and I. Ketut Sujana. "Literasi Keuangan, Perilaku Keuangan, Overconfidence dan Keputusan Investasi." E-Jurnal Akuntansi 33, no. 5 (2023): 1391. http://dx.doi.org/10.24843/eja.2023.v33.i05.p18.

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The number of investors in investing activities continues to increase every year, investment decision making involves knowledge, behavior, and investors' emotions. The aim of the study was to determine the effect of financial literacy, financial behavior and overconfidence on investment decisions and to find out the differences in financial literacy, financial behavior and overconfidence in making investment decisions with an investment duration of less than two years and more than two years. The population in this study were members of the Capital Market Study Group (KSPM) at Udayana Universi
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Chibesa, Kampamba, and Austin Mwange. "Financial Literacy and Entrepreneurial Decision-Making Among Informal Traders in Zambia." East African Finance Journal 3, no. 2 (2024): 295–301. https://doi.org/10.59413/eafj/v3.i2.11.

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Financial literacy is crucial in influencing entrepreneurial decision-making, especially for informal traders in Zambia, who work within a dynamic yet financially limited environment. This research examines how financial literacy affects the decision-making processes of informal traders in Lusaka, Zambia. A mixed-methods approach was used, gathering data from 350 informal traders through structured surveys and qualitative interviews. Results indicate that higher levels of financial literacy are associated with better decision-making in areas such as business planning, investment selections, an
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Paarakh, Purvi. "The Impact of Personality Traitson Investment Decision Making : An Empirical Study." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem04190.

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ABSRACT Financial planning is essential for managing rising living costs and achieving desired living standards. Investments play a crucial role in individuals’ financial well-being. Individuals base their investment decisions on factors such as personal suitability, risk tolerance, and expected returns; however, these decisions are not always entirely rational. Given the dynamic nature of individual investors, it is necessary to consider psychological influences on financial decision-making. This dissertation examines how consumer sociodemographic characteristics influence variations in the B
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Mandiri, Anisyah Eka, and Sriwidharmanely Sriwidharmanely. "Overconfidence and Students’ Investment Decision: The Moderating Role of Financial Literacy." Journal of Auditing, Finance, and Forensic Accounting 13, no. 1 (2025): 23–39. https://doi.org/10.21107/jaffa.v13i1.29415.

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Overconfidence is a psychological bias in which individuals have excessive confidence in their knowledge and abilities when making investment decisions. This study aims to examine the influence of overconfidence on students’ investment decisions in the capital market by considering the moderating role of financial literacy. This study uses a quantitative approach involving the younger generation, especially students who have or are investing in the capital market. Researchers collected a sample of 378 respondents through a questionnaire distributed using Google Forms. Researchers then analyzed
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Milzam, Muhammad, Mohammad Sigit Taruna, and Muhammad Shofiyuddin. "ANALISIS KEPUTUSAN INVESTASI GEN Z MELALUI LITERASI KEUANGAN DAN RISK TOLERANCE." Jurnal GeoEkonomi 15, no. 1 (2024): 14–25. http://dx.doi.org/10.36277/geoekonomi.v15i1.362.

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Investment is a financial activity that requires consideration of complex financial aspects. This research aims to analysing financial decision making of youth generation especially Gen Z through the financial literacy and risk tolerance. This research uses primary data by conducting a survey using a questionnaire to members of the Karang Taruna Sumur Jongglang Bogo Village who are under 26 years old (Gen Z). The data of this research comes from Likert scale. Also, this research using SPSS analysis software 26th version to proceed the data from 30 respondents. Based on the multiple linear regr
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Mochammad Rizaldy Insan Baihaqqy and Sugiyanto. "Investment Decisions Of Investors Based On Generation Groups." Coopetition : Jurnal Ilmiah Manajemen 11, no. 3 (2020): 189–96. http://dx.doi.org/10.32670/coopetition.v11i3.136.

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This study aims to describe the effect of financial literacy in each generation group (Gen Z, Gen Y, Gen X, and Baby Boomers) in investment decision making. The method used in this research is quantitative descriptive. Respondents in this study were 137 investors who were members of the Indonesia Stock Exchange. Data collection was conducted in January 2020-February 2020. The results showed that the differences in financial literacy of each generation group had a significant influence on investment decisions. financial literacy and Investment experience is needed in the capital market in makin
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