https://journal.adpebi.com/index.php/IJHBM <p>Abbreviated: IJHBM<br />ISSN : 3064-5913<br />Frequency: May &amp; November<br />DOI Prefix: 10.54099/ijhbm<br />Editor-in-Chief: Dr. Dedi Iskamto <br />Index: Copernicus Intenational, Googgle Scholar, Dimension, Garuda</p> <p><strong>Article Processing Charge (APC): IDR 500,000.00 - IDR 1.500.000</strong></p> Asosiasi Dosen Peneliti Ilmu Ekonomi Dan Bisnis Indonesia en-US International Journal of Human Behavior Management 3064-5913 https://journal.adpebi.com/index.php/IJHBM/article/view/1464 <p>This study aims to analyze the effect of income level and entrepreneurial orientation on investment decisions, with financial literacy as an intervening variable among Micro, Small, and Medium Enterprises (MSMEs) in Padang City. The study is motivated by the importance of financial understanding and entrepreneurial spirit in supporting rational and productive investment decisions among MSME actors.</p> <p>The research method used is quantitative with a survey approach. The sample consists of 400 MSME actors selected through purposive sampling. Data were collected using a questionnaire comprising 44 items covering the variables of Income Level, Entrepreneurial Orientation, Financial Literacy, and Investment Decisions. Data analysis techniques include multiple linear regression and mediation testing using IBM SPSS Statistics 25. Validity and reliability tests were conducted using corrected item-total correlation (CITC) and Cronbach’s Alpha, along with classical assumption tests for normality, multicollinearity, and heteroscedasticity.</p> <p>The results show that: (1) Income Level has a positive and significant effect on Financial Literacy and Investment Decisions; (2) Entrepreneurial Orientation has a positive and significant effect on Financial Literacy and Investment Decisions; (3) Financial Literacy significantly mediates the influence of Income Level and Entrepreneurial Orientation on Investment Decisions. These findings emphasize the importance of enhancing Financial Literacy and strengthening Entrepreneurial Orientation as strategies for sustainable MSME investment development.</p> Omala Muflihah Adhela Agung Wahyu Handaru Saparuddin Saparuddin Copyright (c) 2025 Omala Muflihah Adhela, Agung Wahyu Handaru, Saparuddin Saparuddin https://creativecommons.org/licenses/by-nc/4.0 2025-07-30 2025-07-30 1 1 1 12 10.54099/ijhbm.v1i1.1464 https://journal.adpebi.com/index.php/IJHBM/article/view/1416 <p><strong>Purpose – This</strong> paper aims to evaluate a financial literacy seminar program through reactions, learning, behavior, outcomes, returns, and managerial implications.</p> <p><strong>Methodology/approach –</strong> A study that included information on reactions, learning, behavior, outcomes, returns, and managerial implications was used to collect data from 207 seminar participants.</p> <p><strong>Findings – It</strong> was found that. In the evaluation with the Kirkpatrick Evaluation Model, the reaction level participants were very satisfied with the implementation of the program, the learning level participants experienced increased knowledge and skills, the behavior level participants had the confidence to recommend fintech services, and the result level the majority of participants were willing to recommend the program to colleagues.</p> <p><strong>Novelty/value –</strong> Since students are the next generation of the nation, it is important to facilitate and evaluate their understanding of financial technology in order to minimize the risk of fraud in the use of fintech.</p> Stefani Christin Lindawati Kartika Copyright (c) 2025 Stefani Christin, Lindawati Kartika https://creativecommons.org/licenses/by-nc/4.0 2025-07-30 2025-07-30 1 1 13 24 10.54099/ijhbm.v1i1.1416