Financial literacy and financial education on financial behavior in college students: the mediating effect on investment motivation
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Abstract
This study aims to test empirically how the influence of financial literacy, financial education on financial behavior. Then to see how much that all influence financial behavior mediates by investment motivation at students. This study employs a quantitative research design and a population of 6,350 students. The sampling technique was proportional stratified random, and the Slovin formula was used to determine the requisite number of respondents, which was established to be 376 students. The findings in this study are that all variables have a significant and positive relationship in accordance with the hypothesis
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Haqiqi, T. M. ., Hanifa, R. ., Bela, I. A. ., Erdiyanto, R. . and Paiza, E. . (2024) “Financial literacy and financial education on financial behavior in college students: the mediating effect on investment motivation”, Jurnal Mantik, 8(3), pp. 1376-1387. doi: 10.35335/mantik.v8i3.5626.
References
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Amhalmad, I., & Irianto, A. (2019). Pengaruh Pengetahuan Investasi dan Motivasi Investasi Terhadap Minat Berinvestasi Mahasiswa Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Padang. Jurnal Ecogen. 2(4), 734. https://doi.org/10.24036/jmpe.v2i4.7851
Ajzen I. (1991). The theory of planned behavior. Org Behavior and Human Decision Processes. 50, 179-211.
Andarsari, P. R., & Ningtyas, M. N. (2019). The role of financial literacy on financial behavior. Journal of Accounting and Business Education. 4(1), 24-33. http://dx.doi.org/10.26675/jabe.v4i1.8524
Collins, J. M., & O’Rourke, C. M. (2010). Financial education and counseling still holding promise. The Journal of Consumer Affairs. 44(3), 483-498.
Chinen, K., & Endo, H. (2012). Effects of Attitude and Background on Personal Financial Ability: A Student Survey in the United States. International Journal of Management. 29(1), 33.
Darmawan A, Kurnia K, Rejeki S. (2019). Pengetahuan Investasi, Motivasi Investasi, Literasi Keuangan Dan Lingkungan Keluarga Pengaruhnya Terhadap Minat Investasi Di Pasar Modal. Jurnal Ilmiah Akuntansi dan Keuangan. 2(1), 44-56.
Fauzi, J. K., Setyono, H., Baidlowi, I., Hartono., & Ainiyah, N. (2023). Pengaruh Gaya Hidup Konsumtif, Edukasi Keuangan, dan Motivasi Pengelolaan Keuangan terhadap Perilaku Pengelolaan Keuangan Mahasiswa (Studi Pada Mahasiswa Akuntansi Universitas Islam Majapahit). Jurnal Kendali Akuntansi. 1(4), 73-88. https://doi.org/10.59581/jka-widyakarya.v1i3.1175
Febriana, S., & Friyatmi. (2023). Pengaruh Literasi Keuangan dan Motivasi Investasi Terhadap Minat Berinvestasi Mahasiswa Fakultas Ekonomi Universitas Negeri Padang. Jurnal Bina Manajemen. 11(2), 249-263.
Ferdinand, A., & Purwanto, E. (2022). Keputusan investasi saham pada mahasiswa fakultas ekonomi bisnis Universitas Pembangunan Nasional Veteran Jawa Timur. Forbiswira Forum Bisnis Dan Kewirausahaan. 11(2), 372–387.
Gunawan, A., & Chairani. (2019). Effect of financial literacy and lifestyle of finance student behavior. International Journal of Business Economics. 1(1), 76-86. https://doi.org/10.30596/ijbe.v1i1.3885
Haqiqi, T. M., Oktavianti, S., Jabarti., Shalahuddin, M., & Oktaviyani, H. (2024). The effect financial literacy on student financial behavior at the sumatera selatan university. Jurnal Mantik. 7(4), 3362-3371. https://doi.org/10.35335/mantik.v7i4.4716
Hilgert, M. A., & Hogarth, J. M. (2023). Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Bulletin. 309-322.
Harahap, S. B., Bustami, Y., & Syukrawati. (2021). Pengaruh Literasi Keuangan Terhadap Minat Investasi Saham Syariah (Studi Kasus Galeri Investasi Syariah IAIN Kerinci). Al-Fiddoh. 2(2), 75-82.
Kumari, D. A. T. (2020). The Impact of Financial Literacy on Investment Decisions: With Special Reference to Undergraduates in Western Province, Sri Langka. Asian Journal of Contemporary Education. 4(2), 110-126. DOI: 10.18488/journal.137.2020.42.110.126
Mireku, K., Appiah, F., & Agana, J. A. (2023). Is there a link between financial literacy and financial behaviour?. Cogent Economics & Finance. 1, 1-25. doi.org/10.1080/23322039.2023.2188712
Mubarok, F. K. (2020). Peran Sosialisasi dan Edukasi dalam Menumbuhkan Minat Investasi di Pasar Modal Syariah. Jurnal INOVASI. 14, 114.
Mentari, N. M. I., Carina, T., & Putra, I. D. M. A. P. (2022). How investment motivation and digital literacy affect investment interest among university students. Journal of International Conference Proceedings (JICP), 5(26), 257- 267. https://doi.org/10.32535/ijcp.v5i1.1463
Purwanto, E., & Anwar, M. (2022). Application of the edu finance model to improve financial literature in creative industry in Sidoarjo district. Jurnal Siasat Bisnis. 26(1), 57–69. https://doi.org/10.20885/jsb.vol26.iss1.art4
Purwidianti, W., & Tubastuvi, N. (2019). The effect of financial literacy and financial experience on SME financial behavior in indonesia. Jurnal Dinamika Manajemen. 10(1), 40-45. DOI: 10.15294/jdm.v10i1.16937
Putu, L. W., Pranata, I. G. S. W., & Suardika, I. K. (2020). Pengaruh edukasi keuangan, locus of control, dan budaya konsumerisme terhadap perilaku keuangan (Studi Empiris pada Mahasiswa Program Studi S1 Akuntansi Universitas Pendidikan Ganesha). Jurnal Ekonomi dan Bisnis. 7(1), 39-56.
Rahayu, L. S. (2024). OJK: korban pinjol ilegal paling banyak guru dan ibu rumah tangga [Internet]. Detiknews. 2024. [cite 17 maret 2024]. Available from : https://news.detik.com/berita/d-6887889/ojk-korban-pinjol-ilegal- paling-banyak-guru-dan-ibu-rumah-tangga
Rai, K., Dua, S., & Yadav, M. (2019). Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach. FIIB Business Review. 8(1), 51–60.
Ratnawati K, Azzahra N, Dewanta PP. (2023). The influence of financial literacy and financial attitude on financial management behavior: a study on culinary micro SMEs in rawamangun urban village, east jakarta city. Reseacrh in Business & Social Science. 12(1), 165-173. https://doi.org/10.20525/ijrbs.v12i1.2301
Rahmayeni, D., Haifz, A. P., Habibah, A. (2024). Peran Galeri Investasi Syariah dalam Menumbuhkan Minat Mahasiswa Untuk Melakukan Investasi di Pasar Modal Syariah (Studi Kasus Pada Galeri Investasi Syariah FEBI UIN STS Jambi). MONETER Jurnal Ekonomi dan Keuangan. 2(1), 100-121. DOI: https://doi.org/10.61132/moneter.v2i1.133
Santika, E. F. (2023). Indeks literasi keuangan naik pada tahun 2023 [Internet]. Databoks. [cite 17 maret 2024]. Available from : https://databoks.katadata.co.id/datapublish/2023/12/11/indeks-literasi- keuangan-indonesia-naik-pada-2023
Suhartanto, C. (2024). Survey APJII: pengguna pinjol Naik 4 kali lipat, akibat judionline? [Internet]. Bisnis tekno. [cite 17 maret 2024]. Available from: https://teknologi.bisnis.com/read/20240201/84/1737402/survei-apjii-pengguna-pinjol-naik-4-kali-lipat-akibat-judi-online
Susilowati, D., Juwari., & Sella, E. P. (2023). Perilaku Keuangan Pada Gen-Z. Jurnal Ilmu Manajemen. 8(1), 1–18.
Sari, D. M., Prasetyo, E. T., & Kurniawan, D. (2024). Pengaruh Literasi Keuangan, Finansial Teknologi, dan Sikap Keuangan Terhadap Minat Belanja di E-commerce (Studi kasus pada mahasiswa Fakultas Ekonomi dan Bisnis Universitas Bhayangkara Jakarta Raya Pengguna Aplikasi Shoppe). Cemerlang: Jurnal Manajemen dan Ekonomi Bisnis. 4(2), 87-99. DOI: https://doi.org/10.55606/cemerlang.v4i2.2637
Septianingrum, A. F. K., & Susanti. (2023). The effect of financial literacy, income, and self-control on financial management behaviour in students. JURNAL SCIENTIA. 12(2), 1196-1203.
Supriadi, T., & Santi, F. (2021). Pengaruh financial literacy, money ethics, dan time preference terhadap financial behavior siswa sekolah menengah atas (SMA) kota bengkulu. Benefit: Jurnal Manajemen dan Bisnis. 6(2), 111-127. DOI: 10.23917/benefit.v6i2.16013
Syafrudin, O., Komarudin, M. N., Maulana, Y., & Masruroh, R. (2023). Transforming financial behavior of student: the impact of learning contribution and financial literacy. Jurnal Ilmu Keuangan dan Perbankan (JIKA). 12(2), 291-302. https://doi.org/10.34010/jika.v12i2.9824
Sarju, N., & Sobandi, A. (2021). Pengaruh pendidikan keuangan di keluarga dan teman sebaya terhadap literasi keuangan. JURNAL DINAMIKA PENDIDIKAN. 14(3), 160-171. https://doi.org/10.51212/jdp.v14i2
Sholeha, L. N. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa IKIP PGRI Bojonegoro Tahun Pelajaran 2018-2019. Skripsi. Proragm Studi Pendidikan Ekonomi, IKIP PGRI Bojonegoro.
Stella, G. P., Filotto, U., Cervellati, E. M., & Graziano, E. A. (2020). The effect of financial education on financial literacy in italy. International Business Research. 13(4), 44-51. https://doi.org/10.5539/ibr.v13n4p44
Starcek, S., & Trunk, A. (2013). The meaning and concept of financial education in the society of economic changes. International Conference 9-21 juni 2013; Croatia. Management, Knowledge and Learning. https://EconPapers.repec.org/RePEc:tkp:mklp13:1443-1452
Tambun, S., Sitorus, R. R., & Nurwanti, F. (2022). The effect of financial literacy and financial education on women’s healthy financial behavior through investment motivation. Jurnal Keuangan dan Perbankan. 26(2), 288-300. DOI: 10.26905/jkdp.v26i2.7387
Taufiqoh, E., Diana, N., & Junaidi. (2019). Pengaruh Norma Subjektif, Motivasi Investasi, Pengetahuan Investasi, Persepsi Return dan Literasi Keuangan Terhadap Minat Mahasiswa Berinvestasi Saham di Pasar Modal (studi empiris pada mahasiswa akuntansi FEB UNISMA dan UNIBRAW di Malang). e Jurnal Ilmiah Riset Akuntansi. 8(5), 9-19.
Upadana, I. W. Y. A., & Herawati, N. T. (2020). Pengaruh literasi keuangan dan prilaku keuangan terhadap keputusan investasi mahasiswa. Jurnal Ilmiah Akuntansi dan Humanika. 10(2), 126-35. https://doi.org/10.23887/jiah.v10i2.25574
Wardani, D. K., & Lestari, M. D. (2020). Pengaruh literasi keuangan, experienced regret, motivasi dan status pendidikan terhadap keputusan investasi IRT. JAE: Jurnal Akuntansi dan Ekonomi. 5(3), 56-63. DOI: 10.29407/jae.v5i3.14058
Watanapongvanich, S., Binnagan, P., Putthinun, P., Khan, M. S. R., & Kadoya, Y. (2020). Financial literacy and gambling behavior: evidence from japan. Journal of Gambling Studies. 37, 445-465. https://doi.org/10.1007/s10899-020-09936-3
Watanapongvanich, S., Binnagan, P., Putthinun, P., Khan, M. S. R., & Kadoya, Y. (2021). Financial literacy and gambling behavior: evidence from united states. Journal of Gambling Studies. 38, 445-463. https://doi.org/10.1007/s10899-021-10030-5
Wardani, L. A., Widyastuti, S. R., Anggraini, E. (2021). Pengaruh Edukasi Keuangan dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan dengan Locus of Control sebagai Variabel Intervening. Jurnal Keuangan dan Perbankan. 25(4), 673-688.
Yoshino, N., Morgan, P. J., & Trinh L. Q. (2017) Financial literacy in japan: determinants and impacts [Internet]. ADBI working paper. https://www.adb.org/publications/financial-literacy- japan-determinants-and-impacts
Yuniningsih. (2020). Perilaku keuangan dalam berinvestasi (Laboratorium experiment dan field experiment) (Pertama). Yogyakarta: Indomedia Pustaka.
Yuniningsih, Y., & Taufiq, M. (2019). Investor behavior in determining investment on real asset. Mix: Jurnal Ilmiah Manajemen. 9(2), 327. https://doi.org/10.22441/mix.2019.v9i2.006
Zuniarti, M., & Rochmawati, R. (2021). Pengaruh pembelajaran akuntansi keuangan, pendidikan keuangan keluarga, kontrol diri terhadap manajemen keuangan mahasiswa dengan literasi keuangan sebagai moderating. AKUNTABEL, 18(3), 479-489.
Amhalmad, I., & Irianto, A. (2019). Pengaruh Pengetahuan Investasi dan Motivasi Investasi Terhadap Minat Berinvestasi Mahasiswa Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Padang. Jurnal Ecogen. 2(4), 734. https://doi.org/10.24036/jmpe.v2i4.7851
Ajzen I. (1991). The theory of planned behavior. Org Behavior and Human Decision Processes. 50, 179-211.
Andarsari, P. R., & Ningtyas, M. N. (2019). The role of financial literacy on financial behavior. Journal of Accounting and Business Education. 4(1), 24-33. http://dx.doi.org/10.26675/jabe.v4i1.8524
Collins, J. M., & O’Rourke, C. M. (2010). Financial education and counseling still holding promise. The Journal of Consumer Affairs. 44(3), 483-498.
Chinen, K., & Endo, H. (2012). Effects of Attitude and Background on Personal Financial Ability: A Student Survey in the United States. International Journal of Management. 29(1), 33.
Darmawan A, Kurnia K, Rejeki S. (2019). Pengetahuan Investasi, Motivasi Investasi, Literasi Keuangan Dan Lingkungan Keluarga Pengaruhnya Terhadap Minat Investasi Di Pasar Modal. Jurnal Ilmiah Akuntansi dan Keuangan. 2(1), 44-56.
Fauzi, J. K., Setyono, H., Baidlowi, I., Hartono., & Ainiyah, N. (2023). Pengaruh Gaya Hidup Konsumtif, Edukasi Keuangan, dan Motivasi Pengelolaan Keuangan terhadap Perilaku Pengelolaan Keuangan Mahasiswa (Studi Pada Mahasiswa Akuntansi Universitas Islam Majapahit). Jurnal Kendali Akuntansi. 1(4), 73-88. https://doi.org/10.59581/jka-widyakarya.v1i3.1175
Febriana, S., & Friyatmi. (2023). Pengaruh Literasi Keuangan dan Motivasi Investasi Terhadap Minat Berinvestasi Mahasiswa Fakultas Ekonomi Universitas Negeri Padang. Jurnal Bina Manajemen. 11(2), 249-263.
Ferdinand, A., & Purwanto, E. (2022). Keputusan investasi saham pada mahasiswa fakultas ekonomi bisnis Universitas Pembangunan Nasional Veteran Jawa Timur. Forbiswira Forum Bisnis Dan Kewirausahaan. 11(2), 372–387.
Gunawan, A., & Chairani. (2019). Effect of financial literacy and lifestyle of finance student behavior. International Journal of Business Economics. 1(1), 76-86. https://doi.org/10.30596/ijbe.v1i1.3885
Haqiqi, T. M., Oktavianti, S., Jabarti., Shalahuddin, M., & Oktaviyani, H. (2024). The effect financial literacy on student financial behavior at the sumatera selatan university. Jurnal Mantik. 7(4), 3362-3371. https://doi.org/10.35335/mantik.v7i4.4716
Hilgert, M. A., & Hogarth, J. M. (2023). Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Bulletin. 309-322.
Harahap, S. B., Bustami, Y., & Syukrawati. (2021). Pengaruh Literasi Keuangan Terhadap Minat Investasi Saham Syariah (Studi Kasus Galeri Investasi Syariah IAIN Kerinci). Al-Fiddoh. 2(2), 75-82.
Kumari, D. A. T. (2020). The Impact of Financial Literacy on Investment Decisions: With Special Reference to Undergraduates in Western Province, Sri Langka. Asian Journal of Contemporary Education. 4(2), 110-126. DOI: 10.18488/journal.137.2020.42.110.126
Mireku, K., Appiah, F., & Agana, J. A. (2023). Is there a link between financial literacy and financial behaviour?. Cogent Economics & Finance. 1, 1-25. doi.org/10.1080/23322039.2023.2188712
Mubarok, F. K. (2020). Peran Sosialisasi dan Edukasi dalam Menumbuhkan Minat Investasi di Pasar Modal Syariah. Jurnal INOVASI. 14, 114.
Mentari, N. M. I., Carina, T., & Putra, I. D. M. A. P. (2022). How investment motivation and digital literacy affect investment interest among university students. Journal of International Conference Proceedings (JICP), 5(26), 257- 267. https://doi.org/10.32535/ijcp.v5i1.1463
Purwanto, E., & Anwar, M. (2022). Application of the edu finance model to improve financial literature in creative industry in Sidoarjo district. Jurnal Siasat Bisnis. 26(1), 57–69. https://doi.org/10.20885/jsb.vol26.iss1.art4
Purwidianti, W., & Tubastuvi, N. (2019). The effect of financial literacy and financial experience on SME financial behavior in indonesia. Jurnal Dinamika Manajemen. 10(1), 40-45. DOI: 10.15294/jdm.v10i1.16937
Putu, L. W., Pranata, I. G. S. W., & Suardika, I. K. (2020). Pengaruh edukasi keuangan, locus of control, dan budaya konsumerisme terhadap perilaku keuangan (Studi Empiris pada Mahasiswa Program Studi S1 Akuntansi Universitas Pendidikan Ganesha). Jurnal Ekonomi dan Bisnis. 7(1), 39-56.
Rahayu, L. S. (2024). OJK: korban pinjol ilegal paling banyak guru dan ibu rumah tangga [Internet]. Detiknews. 2024. [cite 17 maret 2024]. Available from : https://news.detik.com/berita/d-6887889/ojk-korban-pinjol-ilegal- paling-banyak-guru-dan-ibu-rumah-tangga
Rai, K., Dua, S., & Yadav, M. (2019). Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach. FIIB Business Review. 8(1), 51–60.
Ratnawati K, Azzahra N, Dewanta PP. (2023). The influence of financial literacy and financial attitude on financial management behavior: a study on culinary micro SMEs in rawamangun urban village, east jakarta city. Reseacrh in Business & Social Science. 12(1), 165-173. https://doi.org/10.20525/ijrbs.v12i1.2301
Rahmayeni, D., Haifz, A. P., Habibah, A. (2024). Peran Galeri Investasi Syariah dalam Menumbuhkan Minat Mahasiswa Untuk Melakukan Investasi di Pasar Modal Syariah (Studi Kasus Pada Galeri Investasi Syariah FEBI UIN STS Jambi). MONETER Jurnal Ekonomi dan Keuangan. 2(1), 100-121. DOI: https://doi.org/10.61132/moneter.v2i1.133
Santika, E. F. (2023). Indeks literasi keuangan naik pada tahun 2023 [Internet]. Databoks. [cite 17 maret 2024]. Available from : https://databoks.katadata.co.id/datapublish/2023/12/11/indeks-literasi- keuangan-indonesia-naik-pada-2023
Suhartanto, C. (2024). Survey APJII: pengguna pinjol Naik 4 kali lipat, akibat judionline? [Internet]. Bisnis tekno. [cite 17 maret 2024]. Available from: https://teknologi.bisnis.com/read/20240201/84/1737402/survei-apjii-pengguna-pinjol-naik-4-kali-lipat-akibat-judi-online
Susilowati, D., Juwari., & Sella, E. P. (2023). Perilaku Keuangan Pada Gen-Z. Jurnal Ilmu Manajemen. 8(1), 1–18.
Sari, D. M., Prasetyo, E. T., & Kurniawan, D. (2024). Pengaruh Literasi Keuangan, Finansial Teknologi, dan Sikap Keuangan Terhadap Minat Belanja di E-commerce (Studi kasus pada mahasiswa Fakultas Ekonomi dan Bisnis Universitas Bhayangkara Jakarta Raya Pengguna Aplikasi Shoppe). Cemerlang: Jurnal Manajemen dan Ekonomi Bisnis. 4(2), 87-99. DOI: https://doi.org/10.55606/cemerlang.v4i2.2637
Septianingrum, A. F. K., & Susanti. (2023). The effect of financial literacy, income, and self-control on financial management behaviour in students. JURNAL SCIENTIA. 12(2), 1196-1203.
Supriadi, T., & Santi, F. (2021). Pengaruh financial literacy, money ethics, dan time preference terhadap financial behavior siswa sekolah menengah atas (SMA) kota bengkulu. Benefit: Jurnal Manajemen dan Bisnis. 6(2), 111-127. DOI: 10.23917/benefit.v6i2.16013
Syafrudin, O., Komarudin, M. N., Maulana, Y., & Masruroh, R. (2023). Transforming financial behavior of student: the impact of learning contribution and financial literacy. Jurnal Ilmu Keuangan dan Perbankan (JIKA). 12(2), 291-302. https://doi.org/10.34010/jika.v12i2.9824
Sarju, N., & Sobandi, A. (2021). Pengaruh pendidikan keuangan di keluarga dan teman sebaya terhadap literasi keuangan. JURNAL DINAMIKA PENDIDIKAN. 14(3), 160-171. https://doi.org/10.51212/jdp.v14i2
Sholeha, L. N. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa IKIP PGRI Bojonegoro Tahun Pelajaran 2018-2019. Skripsi. Proragm Studi Pendidikan Ekonomi, IKIP PGRI Bojonegoro.
Stella, G. P., Filotto, U., Cervellati, E. M., & Graziano, E. A. (2020). The effect of financial education on financial literacy in italy. International Business Research. 13(4), 44-51. https://doi.org/10.5539/ibr.v13n4p44
Starcek, S., & Trunk, A. (2013). The meaning and concept of financial education in the society of economic changes. International Conference 9-21 juni 2013; Croatia. Management, Knowledge and Learning. https://EconPapers.repec.org/RePEc:tkp:mklp13:1443-1452
Tambun, S., Sitorus, R. R., & Nurwanti, F. (2022). The effect of financial literacy and financial education on women’s healthy financial behavior through investment motivation. Jurnal Keuangan dan Perbankan. 26(2), 288-300. DOI: 10.26905/jkdp.v26i2.7387
Taufiqoh, E., Diana, N., & Junaidi. (2019). Pengaruh Norma Subjektif, Motivasi Investasi, Pengetahuan Investasi, Persepsi Return dan Literasi Keuangan Terhadap Minat Mahasiswa Berinvestasi Saham di Pasar Modal (studi empiris pada mahasiswa akuntansi FEB UNISMA dan UNIBRAW di Malang). e Jurnal Ilmiah Riset Akuntansi. 8(5), 9-19.
Upadana, I. W. Y. A., & Herawati, N. T. (2020). Pengaruh literasi keuangan dan prilaku keuangan terhadap keputusan investasi mahasiswa. Jurnal Ilmiah Akuntansi dan Humanika. 10(2), 126-35. https://doi.org/10.23887/jiah.v10i2.25574
Wardani, D. K., & Lestari, M. D. (2020). Pengaruh literasi keuangan, experienced regret, motivasi dan status pendidikan terhadap keputusan investasi IRT. JAE: Jurnal Akuntansi dan Ekonomi. 5(3), 56-63. DOI: 10.29407/jae.v5i3.14058
Watanapongvanich, S., Binnagan, P., Putthinun, P., Khan, M. S. R., & Kadoya, Y. (2020). Financial literacy and gambling behavior: evidence from japan. Journal of Gambling Studies. 37, 445-465. https://doi.org/10.1007/s10899-020-09936-3
Watanapongvanich, S., Binnagan, P., Putthinun, P., Khan, M. S. R., & Kadoya, Y. (2021). Financial literacy and gambling behavior: evidence from united states. Journal of Gambling Studies. 38, 445-463. https://doi.org/10.1007/s10899-021-10030-5
Wardani, L. A., Widyastuti, S. R., Anggraini, E. (2021). Pengaruh Edukasi Keuangan dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan dengan Locus of Control sebagai Variabel Intervening. Jurnal Keuangan dan Perbankan. 25(4), 673-688.
Yoshino, N., Morgan, P. J., & Trinh L. Q. (2017) Financial literacy in japan: determinants and impacts [Internet]. ADBI working paper. https://www.adb.org/publications/financial-literacy- japan-determinants-and-impacts
Yuniningsih. (2020). Perilaku keuangan dalam berinvestasi (Laboratorium experiment dan field experiment) (Pertama). Yogyakarta: Indomedia Pustaka.
Yuniningsih, Y., & Taufiq, M. (2019). Investor behavior in determining investment on real asset. Mix: Jurnal Ilmiah Manajemen. 9(2), 327. https://doi.org/10.22441/mix.2019.v9i2.006
Zuniarti, M., & Rochmawati, R. (2021). Pengaruh pembelajaran akuntansi keuangan, pendidikan keuangan keluarga, kontrol diri terhadap manajemen keuangan mahasiswa dengan literasi keuangan sebagai moderating. AKUNTABEL, 18(3), 479-489.
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