Literasi Keuangan, Perilaku Keuangan, Overconfidence dan Keputusan Investasi
Abstract
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 University. The total sample is 138 respondents using a saturated sampling technique using a questionnaire as a method of data collection. The data analysis technique used is multiple linear regression and the Mann-Whitney test. The results of the study show that financial literacy, financial behavior and overconfidence have an effect on investment decisions. There are differences in financial literacy and overconfidence, but there are no differences in financial behavior in making investment decisions based on the length of investment.
Keywords: Investment Decisions; Financial Literacy; Financial Behavior; Overconfidence
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References
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Pradikasari, Y., & Isbanah. (2018). Pengaruh Financial Literacy, Illusion of Control, Overconfidence, Risk Tolerance, dan Risk Perception Terhadap Keputusan Investasi Pada Mahasiswa di Kota Surabaya. Jurnal Ilmu Manajemen (JIM), 6(4), 424–434.
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Sabir, S. A., Mohammad, H. Bin, & Shahar, H. B. K. (2019). The role of overconfidence and past investment experience in herding behaviour with a moderating effect of financial literacy: Evidence from pakistan stock exchange. Asian Economic and Financial Review, 9(4), 480–490. https://doi.org/10.18488/journal.aefr.2019.94.480.490
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Seetharaman, A., Niranjan, I., Patwa, N., & Kejriwal, A. (2017). A Study of the Factors Affecting the Choice of Investment Portfolio by Individual Investors in Singapore. Accounting and Finance Research, 6(3), 153. https://doi.org/10.5430/afr.v6n3p153
Senda, D. A., Rahayu, C. W. E., & Tri Rahmawati, C. H. (2020). The Effect of Financial Literacy Level and Demographic Factors on Investment Decision. Media Ekonomi Dan Manajemen, 35(1), 100. https://doi.org/10.24856/mem.v35i1.1246
Seni, N. N. A., & Ratnadi, N. M. D. (2017). Theory of Planned Behavior Untuk Memprediksi Niat Berinvestasi. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 12, 4043. https://doi.org/10.24843/eeb.2017.v06.i12.p01
Stolper, O. A., & Walter, A. (2017). Financial literacy, financial advice, and financial behavior. Journal of Business Economics, 87(5), 581–643. https://doi.org/10.1007/s11573-017-0853-9
Suciyawati, N. P., & Sinarwati, N. K. (2021). Pengaruh Perilaku Keuangan terhadap Keputusan Investasi the Effect of Financial Behavior on Invesment Decisions. Jurnal Manajemen, 13(4), 795–803. https://doi.org/10.29264/jmmn.v13i4.10439
Syarfi, S. M., & Asandimitra, N. (2020). Implementasi Theory of Planned Behavior dan Risk Tolerance terhadap Intensi Investasi Peer to Peer Lending. Jurnal Ilmu Manajemen, 8(3), 864. https://doi.org/10.26740/jim.v8n3.p864-877
Tanusdjaja, H. (2018). Keputusan Investasi Investor Individu Berdasarkan Kompetensi, Overconfidence, Dan Pendidikan. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 2(1), 234. https://doi.org/10.24912/jmieb.v2i1.998
Upadana, I. W. Y. A., & Herawati, N. T. (2020). Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Keputusan Investasi Mahasiswa. Jurnal Ilmiah Akuntansi Dan Humanika, 10(2), 126. https://doi.org/10.23887/jiah.v10i2.25574
Virlics, A. (2013). Investment Decision Making and Risk. Procedia Economics and Finance, 6(13), 169–177. https://doi.org/10.1016/s2212-5671(13)00129-9
Afifah, A. L., Hilendri Lestari, B. A., & Jumaidi, L. T. (2021). Analisis Tingkat Literasi Keuangan Dan Pengelolaan Keuangan Umkm Pada Umkm Di Kota Mataram. Jurnal Riset Mahasiswa Akuntansi, 1(4), 1–12. https://doi.org/10.29303/risma.v1i4.103
Akhtar, F., & Das, N. (2019). Predictors of investment intention in Indian stock markets: Extending the theory of planned behaviour. International Journal of Bank Marketing, 37(1), 97–119. https://doi.org/10.1108/IJBM-08-2017-0167
Alfani, U. N., Dewi, F. G., & Sarumpaet, S. (2020). Factors Affecting Whistleblowing Intention: Case Study on the Implementation of Village Funds. Asian Journal of Economics, Business and Accounting, 15(4), 18–29. https://doi.org/10.9734/ajeba/2020/v15i430219
Aminatuzzahra. (2014). Persepsi Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Sosial Demografi terhadap Perilaku Keuangan Dalam Pengambilan Keputusan Investasi Individu. (Studi Kasus Pada Mahasiswa Magister Manajemana Universitas Diponegoro). Jurnal Bisnis Strategi, 23(2), 70–96.
Arianti, B. F. (2020). Pengaruh Pendapatan Dan Perilaku Keuangan Terhadap Literasi Keuangan Melalui Keputusan Berinvestasi Sebagai Variabel Intervening. Jurnal Akuntansi, 10(1), 13–36. https://doi.org/10.33369/j.akuntansi.10.1.13-36
Awais, M., Laber, M. F., Rasheed, N., & Khursheed, A. (2016). Impact of Financial Literacy and Investment Experience on Risk Tolerance and Investment Decisions. International Journal of Economics and Financial Issues, 6(1), 73–79.
Bouwman, M. J. (1984). Expert vs novice decision making in accounting: A summary. Accounting, Organizations and Society, 9(3–4), 325–327. https://doi.org/10.1016/0361-3682(84)90016-3
Budiarto, A. (2017). Pengaruh Financial Literacy, Overconfidence, Regret Aversion Bias, Dan Risk Tolerance Terhadap Keputusan Investasi (Studi pada investor PT. Sucorinvest Central Gani Galeri Investasi BEI Universitas Negeri Surabaya). Jurnal Ilmu Manajemen (JIM), 5(2), 1–9.
Chaudhary, A. K. (2013). Impact of Behavioral Finance in Investment Decisions and Strategies – a Fresh Approach. International Jounal of Management Research and Business Strategy, 2(2), 84–93.
Christian, A. B. G., & Rita, M. R. (2016). Peran Penggunaan Informasi Akuntansi Dalam Pengambilan Keputusan Untuk Menunjang Keberhasilan Usaha. Jurnal EBBANK, 7(2), 77–92.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107–128. https://doi.org/10.3788/CJL201643.0811001
Combrink, S., & Lew, C. (2020). Potential Underdog Bias, Overconfidence and Risk Propensity in Investor Decision-Making Behavior. Journal of Behavioral Finance, 21(4), 337–351. https://doi.org/10.1080/15427560.2019.1692843
Dwi Rakhmatulloh, A., & Asandimitra, N. (2019). Pengaruh Overconfidence, Accounting Information, dan Behavioural Motivation Terhadap Keputusan Investasi di Kota Surabaya. Jurnal Ilmu Manajemen (JIM), 7, 796–806.
Faidah, F. (2019). Pengaruh Literasi Keuangan Dan Faktor Demografi Terhadap Minat Investasi Mahasiswa. JABE (Journal of Applied Business and Economic), 5(3), 251. https://doi.org/10.30998/jabe.v5i3.3484
Handoyo, S. D., Rispanto, & Widarno, B. (2019). Pengaruh Overconfidence, Illusion of Control, Anchoring, Loss Aversion Pada Pengambilan Keputusan Investasi Oleh Mahasiswa Unisri Sebagai Investor Pemula. Jurnal Akuntansi Dan Sistem Teknologi Informasi, 15, 411–421.
Hardianto, H., & Lubis, S. H. (2022). Analisis Literasi Keuangan, Overconfidence dan Toleransi Risiko Terhadap Keputusan Investasi Saham. E-Jurnal Akuntansi, 32(3), 684. https://doi.org/10.24843/eja.2022.v32.i03.p10
Herfian, Handrioka dan Nadia, K. (2018). Pengambilan Keputusan Investasi Berdasarkan Analisis Fundamental Terhadap Actual Return Perusahaan Perbankan Di Bursa Efek Indonesia (BEI). JSurabaya: Politeknik Perkapalan Negeri Surabaya. Prosiding: The National Conferences Management and Business (NCMAB) 2018 “Pemberdayaan Dan Penguatan Daya Saing Bisnis Dalam Era Digital” 94. ISSN: 2621 – 1572., 9, 85–100.
Istiana, D., & Nur, D. I. (2020). The Role of Financial Behavior in Improving Investment Decision: Empirical Evidence of The Students of Economics and Business Faculty UPN “Veteran” Jawa Timur. Journal of Economics, Business, and Government Challenges, 3(1), 21–28. https://doi.org/10.33005/ebgc.v3i1.100
Jannah, W., & Ady, S. U. (2017). Analisis Fundamental, Suku Bunga, Dan Overconfidence Pada Investor Di Surabaya. Jurnal Bisnis Dan Manajemen, 1(2), 138–155.
Janor, H., Yakob, R., Hashim, N. A., Aniza, C., & Wel, C. (2016). Financial literacy and investment decision in Malaysia and UK - Comparitive Study. Malaysian Journal of Society and Space, 2(2), 106–118.
Kim, K. T., Anderson, S. G., & Seay, M. C. (2019). Financial Knowledge and Short-Term and Long-Term Financial Behaviors of Millennials in the United States. Journal of Family and Economic Issues, 40(2), 194–208. https://doi.org/10.1007/s10834-018-9595-2
Kustodian Sentral Efek Indonesia. (2021). Statistik Pasar Modal Indonesia Desember 2021. Kustodian Sentral Efek Indonesia, 1–6.
Lubis, M. A. I. R., Sudarmaji, E., & Hubbansyah, A. K. (2022). Analisis Perbedaan Kecenderungan Keputusan Investasi Melalui Literasi Keuangan, Dan Profil Investasi: Studi Kasus. Jiap, 2(1), 61–79.
Mertha Dewi, I., & Purbawangsa, I. B. A. (2018). Pengaruh Literasi Keuangan, Pendapatan Serta Masa Bekerja Terhadap Perilaku Keputusan Investasi. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 7, 1867. https://doi.org/10.24843/eeb.2018.v07.i07.p04
Mulyana, M., Hidayat, L., & Puspitasari, R. (2019). Mengukur Pengetahuan Investasi Para Mahasiswa Untuk Pengembangan Galeri Investasi Perguruan Tinggi. JAS-PT Jurnal Analisis Sistem Pendidikan Tinggi, 3(1), 31. https://doi.org/10.36339/jaspt.v3i1.213
Munawar, A., Suryana, S., & Nugraha, N. (2020). Pengaruh Literasi Keuangan Dan Faktor Demografi Terhadap Pengambilan Keputusan Berinvestasi. Akuntabilitas, 14(2), 253–268. https://doi.org/10.29259/ja.v14i2.11480
Nofsinger, J. R. (2016). The Psychology of Investing. The Psychology of Investing. https://doi.org/10.4324/9781315506579
Pradikasari, Y., & Isbanah. (2018). Pengaruh Financial Literacy, Illusion of Control, Overconfidence, Risk Tolerance, dan Risk Perception Terhadap Keputusan Investasi Pada Mahasiswa di Kota Surabaya. Jurnal Ilmu Manajemen (JIM), 6(4), 424–434.
Quraisy, A., & Madya, S. (2021). Analisis Nonparametrik Mann Whitney Terhadap Perbedaan Kemampuan Pemecahan Masalah Menggunakan Model Pembelajaran Problem Based Learning. VARIANSI: Journal of Statistics and Its Application on Teaching and Research, 3(1), 51–57. https://doi.org/10.35580/variansiunm23810
Raut, R. K., Das, N., & Kumar, R. (2018). Extending the theory of planned behaviour: Impact of past behavioural biases on the investment decision of Indian investors. Asian Journal of Business and Accounting, 11(1), 265–292. https://doi.org/10.22452/ajba.vol11no1.9
Ricciardi, V., & Simon, H. K. (2015). What Is Behavioral Finance? Behavioral Finance and Wealth Management, 3–21. https://doi.org/10.1002/9781119202400.ch1
Rofiyah, F. D., & Almilia, L. S. (2017). Testing the effect of belief adjustment model and overconfidence on investment decision making. The Indonesian Accounting Review, 7(2), 177. https://doi.org/10.14414/tiar.v7i2.952
Sabir, S. A., Mohammad, H. Bin, & Shahar, H. B. K. (2019). The role of overconfidence and past investment experience in herding behaviour with a moderating effect of financial literacy: Evidence from pakistan stock exchange. Asian Economic and Financial Review, 9(4), 480–490. https://doi.org/10.18488/journal.aefr.2019.94.480.490
Safryani, U., Aziz, A., & Triwahyuningtyas, N. (2020). Analisis Literasi Keuangan, Perilaku Keuangan, Dan Pendapatan Terhadap Keputusan Investasi. Jurnal Ilmiah Akuntansi Kesatuan, 8(3), 319–332. https://doi.org/10.37641/jiakes.v8i3.384
Seetharaman, A., Niranjan, I., Patwa, N., & Kejriwal, A. (2017). A Study of the Factors Affecting the Choice of Investment Portfolio by Individual Investors in Singapore. Accounting and Finance Research, 6(3), 153. https://doi.org/10.5430/afr.v6n3p153
Senda, D. A., Rahayu, C. W. E., & Tri Rahmawati, C. H. (2020). The Effect of Financial Literacy Level and Demographic Factors on Investment Decision. Media Ekonomi Dan Manajemen, 35(1), 100. https://doi.org/10.24856/mem.v35i1.1246
Seni, N. N. A., & Ratnadi, N. M. D. (2017). Theory of Planned Behavior Untuk Memprediksi Niat Berinvestasi. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 12, 4043. https://doi.org/10.24843/eeb.2017.v06.i12.p01
Stolper, O. A., & Walter, A. (2017). Financial literacy, financial advice, and financial behavior. Journal of Business Economics, 87(5), 581–643. https://doi.org/10.1007/s11573-017-0853-9
Suciyawati, N. P., & Sinarwati, N. K. (2021). Pengaruh Perilaku Keuangan terhadap Keputusan Investasi the Effect of Financial Behavior on Invesment Decisions. Jurnal Manajemen, 13(4), 795–803. https://doi.org/10.29264/jmmn.v13i4.10439
Syarfi, S. M., & Asandimitra, N. (2020). Implementasi Theory of Planned Behavior dan Risk Tolerance terhadap Intensi Investasi Peer to Peer Lending. Jurnal Ilmu Manajemen, 8(3), 864. https://doi.org/10.26740/jim.v8n3.p864-877
Tanusdjaja, H. (2018). Keputusan Investasi Investor Individu Berdasarkan Kompetensi, Overconfidence, Dan Pendidikan. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 2(1), 234. https://doi.org/10.24912/jmieb.v2i1.998
Upadana, I. W. Y. A., & Herawati, N. T. (2020). Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Keputusan Investasi Mahasiswa. Jurnal Ilmiah Akuntansi Dan Humanika, 10(2), 126. https://doi.org/10.23887/jiah.v10i2.25574
Virlics, A. (2013). Investment Decision Making and Risk. Procedia Economics and Finance, 6(13), 169–177. https://doi.org/10.1016/s2212-5671(13)00129-9
Published
2023-05-26
How to Cite
RAHAYU PRADNYANI, Luh Gede Rai; SUJANA, I Ketut.
Literasi Keuangan, Perilaku Keuangan, Overconfidence dan Keputusan Investasi.
E-Jurnal Akuntansi, [S.l.], v. 33, n. 5, p. 1391-1405, may 2023.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/98834>. Date accessed: 02 nov. 2024.
doi: https://doi.org/10.24843/EJA.2023.v33.i05.p18.
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