The Influence of Financial Knowledge, Income, and Lifestyle on Real Asset Investment Decisions among Police Officers at Sanggau Police Department, Sanggau Regency
Abstract
This study aims to analyze the influence of financial literacy, income, and lifestyle on real asset investment decisions among police officers at the Sanggau Police Department. The research employed a quantitative associative method involving 150 respondents. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS software. The results show that financial literacy, income, and lifestyle have a positive and significant effect on investment decisions. The regression equation obtained is Y = 1.070 + 0.155X₁ + 0.254X₂ + 0.297X₃, with R = 0.623 and R² = 0.388. The F-test (F = 26.137; sig = 0.000) and t-tests confirmed that all three variables significantly affect investment decisions. These findings indicate that strong financial literacy, stable income, and prudent lifestyle choices encourage rational investment behavior. Future research should include variables such as digital literacy, financial confidence, or investment motivation to broaden the understanding of individual investment behavior.
Downloads
References
Andika, M. (2021). Pengaruh pendapatan dan gaya hidup terhadap perilaku konsumsi masyarakat di Kecamatan Wanasaba Kabupaten Lombok Timur. Ekonomi, 3(2).
Dwi, P. W., Amy, F., & Desi, H. (2023). Pengaruh penggunaan financial technology, gaya hidup dan pendapatan orang tua terhadap perilaku keuangan mahasiswa. Akuntansi dan Manajemen, 18(1), 51–72. https://akuntansi.pnp.ac.id/jam
Ghozali, I. (2021). Aplikasi analisis multivariate dengan program IBM SPSS 26. Badan Penerbit UNDIP.
Gitayuda, M. B. S. (2023). Manajemen keuangan perspektif financial management behavior pada mahasiswa. Eureka Media Aksara.
Hakiki, M. S., Hasanah, I. K., Anggraini, N., Setiawan, R. B., Fadilah, N., Dwi, Y., & Putri, F. (2025). Edukasi peningkatan pengetahuan dan keterampilan penganggaran modal serta investasi aset riil untuk usaha lokal bagi siswa SMA Negeri 1 Bangkalan. Indonesia Berdaya, 6(2), 603-614.
Halim, A. (2015). Analisis Investasi dan Aplikasinya: dalam aset keuangan dan aset riil. Jakarta: Salemba Empat.
Hikmah, H., Siagian, M., & Siregar, P. (2020). Analisis tingkat literasi keuangan, experienced regret, dan risk tolerance pada keputusan investasi di Batam. Jesya (Jurnal Ekonomi & Ekonomi Syariah, 3(1), 138–146. https://doi.org/10.36778/jesya.v3i1.142
Huda, N., & Ismawardi, D. (2020). Analisis faktor-faktor yang memengaruhi pendapatan pedagang Pasar Terubuk Kabupaten Bengkalis. Bertuah: Jurnal Syariah dan Ekonomi Islam, 1(2), 85–99.
Irsanita, L. V., & Susilawati. (2024). Strategi investasi jangka panjang: Memilih antara investasi riil dan investasi keuangan. Jurnal Ekonomi Bisnis Manajemen Prima, 6(1), 1–7.
Ismanto, H., & Pebruary, S. (2021). Aplikasi SPSS dan Eviews dalam analisis data penelitian. Deepublish
Lestari, C. V., Lubis, T. A., & Solikhin, A. (2022). Pengaruh literasi keuangan dan pendapatan terhadap keputusan investasi (Studi kasus karyawan Perum Bulog Kanwil Jambi). Jurnal Dinamika Manajemen, 10(1), 28–37. https://repository.unja.ac.id/21359/
Lestari, D. A., Purnamasari, E. D., & Setiawan, B. (2020). Pengaruh payment gateway terhadap kinerja keuangan UMKM. Jurnal Bisnis, Manajemen, dan Ekonomi, 1(1), 1–10. https://doi.org/10.47747/jbme.v1i1.20
Nusa, S. R. B., & Dewi, A. S. (2022). Pengaruh financial knowledge, financial attitude dan parental income terhadap financial management behavior mahasiswa Daerah Istimewa Yogyakarta. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(3), 905–914. https://doi.org/10.31955/mea.v6i3.2438
Panjaitan, H. P., Renaldo, N., & Suyono, S. (2022). The influence of financial knowledge on financial behavior and financial satisfaction on Pelita Indonesia students. Jurnal Manajemen Indonesia, 22(2), 145–153. https://doi.org/10.25124/jmi.v22i2.3675
Puranda, N. R., & Madiawati, P. N. (2017). Pengaruh perilaku konsumen dan gaya hidup terhadap proses keputusan pembelian produk kosmetik Wardah. Jurnal Bisnis dan Iptek, 10(1), 25–36.
Purba, E. L. D., Thohiri, R., & Harefa, K. (2025). Impact of financial literacy, technological progress, income, and lifestyle on investment interest: The role of gender as a moderator variable. Owner Riser dan Jurnal Akuntansi, 9(2), 1187–1200. https://doi.org/10.33395/owner.v9i2.2595
Rahma, F. A., & Susanti, S. (2022). Pengaruh literasi keuangan, financial self-efficacy dan fintech payment terhadap manajemen keuangan pribadi mahasiswa. Edukatif: Jurnal Ilmu Pendidikan, 4(3), 3236–3247. https://doi.org/10.31004/edukatif.v4i3.2690
Ratnasari, C., Pontoh, W., & Lambey, R. (2021). Evaluasi perlakuan akuntansi pengakuan dan pengukuran pendapatan berdasarkan PSAK 23 pada PT Aneka Gas Industri, Tbk = Filling Station Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 9(1), 724–736.
Siswanti, I., & Halida, A. M. (2020). Self-control as mediating. The International Journal of Accounting and Business Society, 28(01), 105–131.
Siregar, S. (2019). Statistik parametik untuk penelitian kuantitatif. Bumi Aksara.
Sugiyono. (2020). Metode penelitian kuantitatif, kualitatif, dan R&D. CV. Alfabeta.
Trixie, F., Hidayat, F., & Simamora, R. B. (2024). Pengaruh financial knowledge dan financial attitude terhadap financial satisfaction pada karyawan PT. Megamas Plaza Bangunan. Management Studies and Entrepreneurship Journal, 5(2), 7054–7064.
Tuturoong, A., Sondakh, J. J., & Tangkuman, S. J. (2021). Evaluasi pengakuan pendapatan pada PT. Bank Perkreditan Rakyat (BPR) Primaesa Sejahtera Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 9(2), 148–156.
Yundari, T., &
Copyright (c) 2025 Aulia Ramadanti, Dedi Hariyanto, Heni Safitri
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
