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THE INFLUENCE OF FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDES AND SOCIO-DEMOGRAPHICS ON FINANCIAL BEHAVIOR IN INVESTMENT DECISION-MAKING IN STATE CIVIL SERVANTS IN THE TEGAL REGENCY REGIONAL SECRETARIAT

Abstract

The research objectives include: (1) to determine and analyze the effect of financial knowledge on financial behavior in making investment decisions among state civil servants at the Regional Secretariat of Tegal Regency; (2) to determine and analyze the effect of financial attitudes on financial behavior in making investment decisions among state civil servants at the Regional Secretariat of Tegal Regency; (3) to determine and analyze the influence of socio-demographic factors on financial behavior in making investment decisions among state civil servants at the Regional Secretariat of Tegal Regency; and (4) to determine and analyze the simultaneous influence of financial knowledge, financial attitudes, and socio-demographic factors on financial behavior in making investment decisions among state civil servants at the Regional Secretariat of Tegal Regency. The research method used in this study is an associative research method. The analytical tool employed is multiple linear regression analysis. The results of this study indicate that: (1) financial knowledge has a positive influence on financial behavior in making investment decisions; (2) financial attitudes have a positive influence on financial behavior in making investment decisions; (3) socio-demographic factors have a positive influence on financial behavior in making investment decisions; and (4) financial knowledge, financial attitudes, and socio-demographic factors simultaneously influence financial behavior in making investment decisions.