Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2024)

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The accessibility of investment in MSMEs as seen from the influence of financial literacy, income, and financial behavior of MSME business actors in Ponorogo Regency

Authors
Adam Nugraha Dyla Putra1, *, Yuli Agustina1, Heri Praktikto1, Achmad Murdiono1
1Universitas Negeri Malang, Jl. Semarang No. 5, Kota Malang, 65145, Jawa Timur, Indonesia
*Corresponding author.
Corresponding Author
Adam Nugraha Dyla Putra
Available Online 19 November 2024.
DOI
10.2991/978-94-6463-576-8_19How to use a DOI?
Keywords
Financial Literacy; Income; Financial Behaviour; Investment Decision
Abstract

Saving for the future is the primary goal of investors. This study aims to contribute to the theory and provide additional references for investing in investment. This research examines the influence of financial literacy and income on investment decisions, with financial behavior as an intervening variable. The study population consists of business actors in Ponorogo Regency, with a total of 202 respondents. The analyzed results conclude that the relationship between income and investment decisions, as well as financial behavior and investment decisions, has a significantly positive influence. However, the relationship between financial literacy and investment decisions does not have a significant influence. Meanwhile, financial literacy and income show a significantly positive influence on financial behavior. Additionally, financial behavior has an indirect effect on the relationship between financial literacy and investment decisions, and between income and investment decisions. These findings underscore the importance of investment in enhancing financial well-being.

Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
19 November 2024
ISBN
978-94-6463-576-8
ISSN
2352-5428
DOI
10.2991/978-94-6463-576-8_19How to use a DOI?
Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Adam Nugraha Dyla Putra
AU  - Yuli Agustina
AU  - Heri Praktikto
AU  - Achmad Murdiono
PY  - 2024
DA  - 2024/11/19
TI  - The accessibility of investment in MSMEs as seen from the influence of financial literacy, income, and financial behavior of MSME business actors in Ponorogo Regency
BT  - Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2024)
PB  - Atlantis Press
SP  - 211
EP  - 229
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-576-8_19
DO  - 10.2991/978-94-6463-576-8_19
ID  - Putra2024
ER  -