Оказывает ли намерение инвестировать большое влияние на принятие решений? Новый вклад в область планирования финансового поведения в Индонезии

Цель исследования — определить эмпирические доказательства влияния финансовых установок, знаний и воспринимаемого риска на намерение инвестировать, реинвестировать, уровень доверия к платформе и удовлетворенность инвестициями. Данные собраны с помощью онлайн-формы Google с мая по июль 2022 г. путем опроса 401 респондента из городов Индонезии и проанализированы методом моделирования структурных уравнений с частичным наименьшим квадратом. Результаты показали, что финансовое поведение оказывает значительное положительное влияние на намерение инвестировать и на информированность, в то время как на восприятие риска оно незначительно. Намерение инвестировать оказывает большое влияние на принятие решений. На реинвестирование значительное влияние оказывают намерение, принятие решений и доверие. Эффект доверия значительно влияет на реинвестирование и финансовую удовлетворенность. Данное исследование внесло новый вклад в сферу планирования финансового поведения, касающегося инвестиционных решений в плане денежных активов. Однако в дальнейшем исследовании для предприятий или МСП с уникальными характеристиками необходимы некоторые корректировки в аспектах тестирования и улучшения модели для повышения применимости.

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