DETERMINANTS THAT INFLUENCE FINANCIAL MANAGEMENT PERSONAL AND ITS INFLUENCE ON INVESTMENT DECISIONS IN INDONESIAN MIGRANT WORKERS (EMPIRICAL STUDY ON INDONESIAN MIGRANT WORKERS IN MALAYSIA AND SINGAPORE)

This study discusses the low understanding of Indonesian Migrant Workers (PMI) of personal financial management and investment decisions during their time as PMI. The purpose of this study was to determine the effect of financial knowledge, financial attitudes, financial behavior, and social support on personal financial management. The method used is a quantitative method using the object of PMI in Malaysia and Singapore. The results of this study indicate that the variables of financial knowledge and financial behavior partially have a positive and significant effect on the personal financial management of PMI in Malaysia and Singapore. While the variables of financial attitudes and social support partially have a positive influence on the personal financial management of PMI in Malaysia and Singapore. On the other hand, personal financial management variables have a positive effect on the investment decisions of migrant workers in Malaysia and Singapore.