The Role of Financial Management as a Mediator in the Relationship between Literacy and Investment in the Research Community

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Higher financial literacy and education significantly improve money management, leading to better investment decisions.
Using PLS-SEM, the study analyzed data from 155 professionals at the Smart City & Community Innovation Center.
Income directly influences investment decisions, while its effect on financial management is minimal.
These findings emphasize the need for behavioral financial education to enhance investment outcomes.

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Quantitative analysis finds financial management mediates the impact of literacy and education on investment choices in Indonesia.

Royani et al. (2025) studied this question.

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