Effect of Financial Literacy And Financial Behavior On Customers' Gold Investment Interest at PT. Pegadaian Unit Palopo
DOI:
https://doi.org/10.37638/bima.7.1.727-738Keywords:
Financial Literacy; Financial Behavior; Investment Interest; Governance; SustainabilityAbstract
Purpose: The low level of financial literacy and public financial behavior is a challenge in increasing investment interest, especially relatively safe investments such as gold. The purpose of this study is to analyze how financial literacy and financial behavior influence the interest in gold investment of customers at PT. Pegadaian Unit Palopo. Methodology: The method used is a quantitative approach with a population of 671 customers and a sample of 87 respondents determined by the Slovin formula. Data collection was carried out by distributing questionnaires, then analyzed using multiple linear regression in SPSS version 16.0. Results: The findings of the study indicate that Financial Literacy and Financial Behavior, both partially and simultaneously, have a positive and significant impact on Customer Gold Investment Interest at PT. Pegadaian Unit Palopo. Findings: The findings confirm that better financial understanding and regular financial behavior patterns enhance investment interest. Novelty & Originality: This study offers novelty by examining gold investment interest in a regional pawnshop context in Palopo, a setting rarely explored in prior research. Conclusions: The implications of this study indicate that increasing financial literacy and good financial behavior can encourage public interest in investing in gold. Type of Paper: This paper is an empirical research paper.
References
Al Hakim, R., Mustika, I., & Yuliani, W. (2021). Validitas Dan Reliabilitas Angket Motivasi Berprestasi. Fokus (Kajian Bimbingan & Konseling Dalam Pendidikan), 4(4), 263. https://doi.org/10.22460/fokus.v4i4.7249 DOI: https://doi.org/10.22460/fokus.v4i4.7249
Apriliani, S. A. (2024). Pengaruh Literasi Keuangan, Keamanan Dan Risiko Terhadap Minat Investasi Melalui Produk Cicil Emas Di Bank Syariah Indonesia Kcp Jepara Pemuda 1.
Damayanti, R., Huda, N., Hermina, D., Jl, A., No, A. Y., Bunga, K., Tim, K. B., Banjarmasin, K., & Selatan, K. (2024). Pengolahan Hasil Non-Test Angket , Observasi , Wawancara Dan Dokumenter. 3. DOI: https://doi.org/10.55606/srjyappi.v2i3.1343
Haq, M. F., Bachri, S., & Sahrir. (2025). Pengaruh Literasi Keuangan, Sikap Keuangan dan Keuangan Perencanaan Pengelolaan Keuangan Mahasiswa Cokroaminoto Universitas Palopo. 5(1), 9–15. DOI: https://doi.org/10.37932/kwahcf80
Harahap, S. B., Bustami, Y., & Syukrawati. (2021). Pengaruh Literasi Keuangan Terhadap Minat Investasi Syariah. 2(2), 75–82. DOI: https://doi.org/10.32939/fdh.v2i2.955
Hasan, M. F., & Rachmad, D. (2024). Pengaruh Literasi Keuangan Syariah Dan Persepsi Risiko Terhadap Minat Investasi Emas Generasi Milenial Muslim di Jabodetabek. 3(1), 80–100.
Hermina, D., & Huda, N. (2024). Memahami Populasi dan Sampel : Pilar Utama dalam Penelitian Kuantitatif. 5(12), 5937–5948. DOI: https://doi.org/10.46799/jsa.v5i12.1992
Karisma, D., Bachri, S., & Usman, H. (2025). Pengaruh literasi keuangan dan inklusi keuangan terhadap kinerja keuangan pada usaha mikro kecil menengah di kecamatan masamba. 9(2), 1053–1067. DOI: https://doi.org/10.31955/mea.v9i2.5669
Kurniawan, R., & Wahidah, W. N. (2023). Pengaruh literasi keuangan dan perilaku keuangan terhadap keputusan investasi. 5(12).
Laturette, K., Widianingsih, L. P., & Subandi, L. (2021). Literasi Keuangan Pada Generasi Z. 9(1), 131–139. DOI: https://doi.org/10.26740/jpak.v9n1.p131-139
Maghfiroh, I. (2021). Pengaruh Literasi Keuangan Dan Perilaku Keuangan Terhadap Minat Investasi Dengan Gender Sebagai Moderasi “(Studi Pada Keluarga Di Kota Malang).”
Pana, V., & Ambarwati, L. (2023). Pengaruh Ekspektasi Return dan Literasi Keuangan Terhadap Minat Berinvestasi Emas pada Mahasiswa STIE Widya Wiwaha. 11(2), 176–182. DOI: https://doi.org/10.29103/jak.v11i2.12193
Pibriana, D., Fitriyani, L., Studi, P., Informasi, S., Multi, U., & Palembang, D. (2022). Penggunaan Model EUCS Untuk Menganalisis Kepuasan Pengguna E-learning Di MTs N 2 Kota Palembang. 3(1), 69–80. DOI: https://doi.org/10.35957/jtsi.v3i1.2182
Putri, R., & Maivalinda. (2025). Pengaruh Literasi Keuangan , Perilaku Keuangan , dan Persepsi Risiko terhadap Pengambilan Keputusan Investasi Mahasiswa. 01(03), 611–616.
Rahmat, C. A., Kurniabudi, & Novianto, Y. (2023). Penerapan Metode Regresi Linier Berganda Untuk Mengestimasi Laju Pertumbuhan Penduduk Kabupaten Musi Banyuasin Jurnal Informatika Dan Rekayasa Komputer ( JAKAKOM ). 3(April), 359–369. DOI: https://doi.org/10.33998/jakakom.2023.3.1.732
Rahmawati, R., Asriany, A., & Usman, H. (2024). Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Kepribadian Mahasiswa Manajemen Keuangan. 1(1), 1913–1923.
Ruswanda, V. E., Balgis, L. F., & Apriyana, M. (2025). Pengaruh Literasi Keuangan Syariah dan Digital Marketing Terhadap Minat Generasi Z Investasi Cicil Emas di Bank Syariah Indonesia. 14–25.
Ryandana, A., Hermuningsih, S., & Sari, P. P. (2023). Dampak Motivasi Investasi , Literasi Keuangan , dan Lingkungan Keluarga Terhadap Minat Investasi Anak Milenial. 7, 226–233. https://doi.org/10.33087/ekonomis.v7i1.818 DOI: https://doi.org/10.33087/ekonomis.v7i1.818
Sakti, F. R., Rahmawati, & Hamid, R. S. (2022). Pengaruh Pengendalian Internal Dan Gaya Kepemimpinan Terhadap Kecenderungan Kecurangan ( Fraud ). 6, 2759–2766. DOI: https://doi.org/10.33395/owner.v6i3.932
Saputri, E. R., & Erdi, T. W. (2023). Perilaku keuangan , dan locus of control , memengaruhi keputusan investasi dengan literasi keuangan sebagai moderasi. 5(12), 1–13.
Sastrawan, S., Futra, S., Nikmah, A., Noviandi, I., & Syahputra, I. (2022). Jurnal Ilmu Ternak dan Veteriner ISSN : 2809-8404 (Cetak) ISSN : 2809-8358 (Online). 4(2), 1–7. DOI: https://doi.org/10.55542/jipvet.v4i2.560
Setiana, A. R. (2021). Pengaruh literasi keuangan dan faktor demografi terhadap keputusan pinjaman nasabah kur mikro di pt. bri unit pagerageung. 3, 161–174.
Sobari, R., & Tresnawati, A. (2024). Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Keputusan Investasi Mahasiswa Kota Bandung. 8(1).
Sormin, A. R., & Sirozi, M. (2024). Prinsip-Prinsip Perencanaan Pengembangan Sarana dan Prasarana Pendidikan Islam. 4, 472–477. DOI: https://doi.org/10.54371/jiepp.v4i3.570
Sudariana, N., Program, D., Manajemen, S., & Putra, U. N. (2021). Analisis statistik regresi linier berganda.
Tambun, S., Yahya, M. H., & Lukiyana. (2024). Pengaruh Literasi Akuntansi dan Literasi Keuangan Terhadap Perilaku Keuangan dengan Pengendalian Diri Sebagai Pemoderasi. 9(2), 97–110. DOI: https://doi.org/10.52447/map.v9i2.7957
Utami, N., & Sitanggang, M. L. (2023). Teknologi Finansial Terhadap Minat Berinvestasi Pada Masa Pandemi Covid19. 1(1), 12–21. DOI: https://doi.org/10.24912/jseb.v1i1.22730
Wahyudi, C., & Wartoyo. (2025). Pengaruh Literasi Keuangan, Perilaku Keuangan, Gaya Hidup Hedonisme Dan Kontrol Diri Terhadap Keputusan Investasi Pada Mahasiswa Universitas Pancasakti Tegal. 2(1), 1–18. DOI: https://doi.org/10.62237/jnm.v2i1.224
Widiantari, K. S., Mahadewi, I. A. G. D. F., Suidarma, I. M., & Arlita, I. G. A. D. (2023). Pengaruh Literasi Keuangan, E-Money dan Gaya Hidup Terhadap Perilaku Keuangan Generasi Z Pada Cashless Society. 7(3), 429–447. DOI: https://doi.org/10.31955/mea.v7i3.2802
Yasa, I. W., Upadana, A., & Herawati, N. T. (2020). Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Keputusan Investasi Mahasiswa. 10(2), 126–135. DOI: https://doi.org/10.23887/jiah.v10i2.25574
Zain, A. A., Widyastuti, D., & Chamariyah. (2025). Pengaruh Literasi Keuangan Dan Pemasaran Media Sosial Terhadap Pengambilan Keputusan Nasabah Pembiayaan Mikro di PT . Pegadaian CP Sepanjang Sidoarjo. 3(April). DOI: https://doi.org/10.30640/trending.v3i2.4136
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Naifa sarifuddin, Samsul Bachri, Rahmawati Rahmawati (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
An author who publishes in the BIMA JOURNAL: Business, Management, and Accounting Journal agrees to the following terms:
Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under the Creative Commons Attribution-ShareAlike 4.0 License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal
Submission of a manuscript implies that the submitted work has not been published before (except as part of a thesis or report, or abstract); that it is not under consideration for publication elsewhere; that its publication has been approved by all co-authors. If and when the manuscript is accepted for publication, the author(s) still hold the copyright and retain publishing rights without restrictions. For the new invention, authors are suggested to manage its patent before published. The license type is CC-BY-SA 4.0.
BIMA JOURNAL: Business, Management and Accounting is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
You are free to:
Share — copy and redistribute the material in any medium or format
Adapt — remix, transform, and build upon the material
for any purpose, even commercially.
The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
- You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation.
- No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
How to Cite
