PERAN PENDAPATAN DAN GAYA HIDUP DALAM MEMBENTUK KEPUTUSAN INVESTASI TABUNGAN EMAS DI PT.PEGADAIAN PADA MASYARAKAT KOTA DUMAI
DOI:
https://doi.org/10.35446/bisniskompetif.v4i3.2517Abstract
This study aims to determine the influence of income and lifestyle on investment decisions in gold savings at Pegadaian among the people of Dumai City. Income is considered the main source of investment funds after meeting basic needs, while lifestyle reflects consumption patterns and spending priorities related to investment willingness. The research employed a quantitative method with purposive sampling, involving 97 respondents. Data were collected through questionnaires and analyzed using descriptive statistics, classical assumption tests, multiple linear regression, and hypothesis testing. The analysis using SPSS 27 shows that both income (X1) and lifestyle (X2) have a positive and significant influence on investment decisions. The significance value for income is 0.000 with a t-value of 6.662, and for lifestyle, 0.000 with a t-value of 3.699. The F-test result indicates an F-value of 37.471 > F-table 3.093 with a significance of 0.000, implying that income and lifestyle simultaneously affect gold savings investment decisions
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