THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL INCLUSION ON INVESTMENT DECISIONS AND BUSINESS PERFORMANCE

International Conference of Business and Social Sciences Pub Date : 2024-01-08 DOI:10.24034/icobuss.v3i1.381

Suwaji Suwaji, Agustedi Agustedi

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Abstract

Village Owned Enterprise (BUMDes) were established with the aim of increasing the economic activities of village communities by developing businesses through managing village potentials in order to meet the general needs of the community and increase the village's original income. For this reason, BUMDes is expected to be managed optimally so that it is able to develop and have good business performance. This research aims to measure the influence of financial literacy and financial inclusion on investment decisions and BUMDesa performance in Indragiri Hulu Regency. This research uses a quantitative approach. Primary data comes from operational implementers or BUMDes managers, with 143 respondents answering the questionnaire. Data analysis uses path analysis. The results show that financial literacy has a significant effect on investment decisions, financial literacy has a significant effect on business performance, financial inclusion has no significant effect on investment decisions, financial inclusion has a significant effect on business performance, investment decisions have a significant effect on business performance, financial literacy through investment decisions has an effect on business performance, and financial inclusion through investment decisions influences business performance.

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金融扫盲和金融包容性对投资决策和企业绩效的影响

建立村办企业（BUMDes）的目的是通过管理村里的潜力发展企业，增加村社区的经济活动，以满足社区的一般需求，增加村里的原始收入。因此，希望对 BUMDes 进行优化管理，使其能够发展并取得良好的经营业绩。本研究旨在衡量金融扫盲和金融包容性对 Indragiri Hulu 地区投资决策和 BUMDesa 业绩的影响。本研究采用定量方法。原始数据来自业务实施者或 BUMDes 管理者，共有 143 名受访者回答了问卷。数据分析采用路径分析。结果显示，金融知识对投资决策有显著影响，金融知识对企业绩效有显著影响，金融包容性对投资决策无显著影响，金融包容性对企业绩效有显著影响，投资决策对企业绩效有显著影响，金融知识通过投资决策对企业绩效产生影响，金融包容性通过投资决策影响企业绩效。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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International Conference of Business and Social Sciences

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