Income, Financial Literacy and Financial Inclusion Increase Investment Interest in Gianyar

The aim of this study is to assess the individual and combined influences of income, financial literacy, and financial inclusion on investment intentions. The study involved a sample size of 100 participants and employed various data analysis techniques, such as validity testing, reliability testing, classical assumption testing, multiple regression analysis, coefficient of determination examination, model feasibility assessment, and t-tests. The findings reveal several key relationships: income and financial literacy both significantly and positively affect investment intentions; financial inclusion has a noteworthy positive impact on investment intentions as well as income, and investment interest plays a significant role in driving investment intentions. Collectively, these independent variables account for 54.9% of the variation in investment interest. Thus, it is recommended that the residents of Gianyar to allocate a portion of their income for future investments and consider attending investment seminars regularly to enhance their investment knowledge, while also making prudent use of the available investment options.