Investment Literacy in Personal Financial Management Planning for Students of Brawijaya University

  • Endang Sri Apriani Balikpapan State Polytechnic, Balik Papan, Indonesia
  • Kety Lulu Agustin Balikpapan State Polytechnic, Balik Papan, Indonesia
  • Anisya Sukmawati Balikpapan State Polytechnic, Balik Papan, Indonesia
  • Dessy Handa Sari Balikpapan State Polytechnic, Balik Papan, Indonesia
  • Nurul Musfirah Khairiyah Balikpapan State Polytechnic, Balik Papan, Indonesia
Keywords: Investment, Asset Financial, Financial Planning

Abstract

Control over the consumptive behavior of students in the coffee shop era. This drives students to incur more expenses as a form of existence, but it can also be a positive thing if the gatherings can be measured and discussed financially. This research examines how students who have acquired knowledge about investments manage their consumption levels towards good financial planning. The research findings indicate that students who understand finance are better able to control their consumption desires and tend to invest. Students also plan to be disciplined in investing. Thus, the financial education they receive in their studies has a positive impact on managing their consumption desires and tends to lead to more effective investment in financial planning.

Downloads

Download data is not yet available.

References

Adil, M., Singh, Y., & Ansari, M. S. (2022). How financial literacy moderate the association between behaviour biases and investment decision? Asian Journal of Accounting Research, 7(1). https://doi.org/10.1108/AJAR-09-2020-0086

Brilianti, T. R., & Lutfi, L. (2020). Pengaruh pengetahuan keuangan, pengalaman keuangan, dan pendapatan terhadap perilaku keuangan keluarga. Journal of Business & Banking, 9(2), 197–213. https://doi.org/10.14414/JBB.V9I2.1762

Dr. Ir. Subiakto Soekarno, M. C. (2021). Manajemen Perencanaan Keuangan. Indonesia: Prenada Media.

Hidayah, A. P. N., Purbawangsa, I. B. A., & Abundanti, N. (2021). Pengaruh Literasi Keuangan,Perencanaan Keuangan Dan Pendapatan Terhadap Kesejahteraan Keuangan Guru Perempuan DiKota Denpasar. E-Jurnal Manajemen Universitas Udayana, 10(7), 672–680.

Juliandi, A., Irfan, I., & Manurung, S. (2018). Mengolah Data Penelitian Bisnis Dengan SPSS. Lembaga Penelitian dan Penulisan Ilmiah AQLI.

Mareta, Yuni. 2022. Pengaruh Literasi Keuangan, Pendapatan, Pendidikan dan Gaya Hidup Terhadap perilaku Keuangan. Skripsi. Universitas MDP.

Mukhlisiah, R. (2023). Pengaruh Pendidikan, Gaya Hidup, Literasi Keuangan Terhadap Pengelolaan Keuangan Dosen Muda Di Jabodetabek. Ijacc, 4(1). https://doi.org/10.33050/ijacc.v4i1.2673

Otoritas Jasa Keuangan. 2019. Survei Nasional Literasi dan Inklusi Keuangan. [Online]. Diakses 28 Maret 2025 https://sikapiuangmu.ojk.go.id/

Salsabila, A., & Hapsari, M. T. (2022). Pengaruh Pendapatan Dan Literasi Keuangan Terhadap Kesejahteraan Keuangan Keluarga Di Desa Kolomayan Kecamatan Wonodadi. Sains: Jurnal Manajemen Dan Bisnis, 14(2), 222–240.

Sholeh, B. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa Program Studi Pendidikan Ekonomi Universitas Pamulang. Pekobis: Jurnal Pendidikan, Ekonomi, Dan Bisnis, 4(2), 57.

Saraswati, A. M., & Nugroho, A. W. (2021a). Perencanaan Keuangan dan Pengelolaan Keuangan Generasi Z di Masa Pandemi Covid 19 melalui Penguatan Literasi Keuangan. Warta LPM, 24(2), 309–318. https://doi.org/10.23917/warta.v24i2.13481

Seraj, A. H. A., Alzain, E., & Alshebami, A. S. (2022). The roles of financial literacy and overconfidence in investment decisions in Saudi Arabia. Frontiers in Psychology, 13. https://doi.org/10.3389/fpsyg.2022.1005075.

Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.

Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal Barometer Riset Akuntansi Dan Manajemen, 6(1), 11–26.

Published
2026-01-01
How to Cite
Apriani, E., Agustin, K. L., Sukmawati, A., Sari, D. H., & Khairiyah, N. M. (2026). Investment Literacy in Personal Financial Management Planning for Students of Brawijaya University. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 8(3), 14652-14659. https://doi.org/10.31538/iijse.v8i3.8891