Pola Manajemen Keuangan dalam Perspektif Mahasiswa: Apakah Literasi Investasi dan Risiko Investasi Bodong dapat Meningkatkan Kesejahteraan Finansial Mahasiswa?
Keywords:
financial management, investment literacy, fake investment, financial well-beingAbstract
This research investigates the monthly financial management patterns among active students in relation to their understanding of investment literacy and fraudulent investments, with the aim of enhancing financial well-being among students. The study employs a descriptive qualitative method. Data were collected by distributing questionnaires to active students at various educational levels. The collected data were analyzed to assess financial management patterns and investment literacy among students to determine their impact on financial well-being. The findings reveal that students possess a reasonable level of investment literacy, enabling them to manage their finances effectively. However, on the other hand, students lack practical experience in investing and often fall victim to fraudulent investment schemes promising quick and substantial returns, leading to fear and reluctance to start investing. This situation has become a recent concern due to the prevalence of students falling for fraudulent investments. This research contributes to helping students gain a better understanding of investment literacy while also enabling them to manage their finances effectively and productively, thus potentially mitigating the risks associated with fraudulent investments.
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