The Influence of Financial Literacy, Income, and Lifestyle on Investment Decisions among College Students in the Greater Bandung Area

Abstract

This research investigates the influence of financial literacy, income, and lifestyle on investment decisions among college students in the Greater Bandung Area. The study uses a quantitative approach with a causal-explanatory design. A structured questionnaire was distributed to 200 students in the region, and the collected data was analyzed using descriptive statistics and regression analysis. The research findings indicate that financial literacy, income, and lifestyle all significantly and positively affect investment decisions. Among the three variables, financial literacy showed the strongest influence on investment decisions, followed by lifestyle and income. The analysis revealed that as financial literacy increases, students are more likely to make informed and careful investment decisions. Similarly, a higher income provides students with more resources and opportunities to invest, and a responsible lifestyle encourages more prudent financial management. Based on these findings, it is recommended that universities and colleges integrate financial literacy and investment behavior education into their curricula, as these skills are essential for students to achieve long-term financial security and success.