id	sid	tid	token	lemma	pos
gp-304	1	1	1388	1388	NUM
gp-304	1	2	american	american	ADJ
gp-304	1	3	journal	journal	PROPN
gp-304	1	4	of	of	ADP
gp-304	1	5	economic	economic	ADJ
gp-304	1	6	and	and	CCONJ
gp-304	1	7	management	management	NOUN
gp-304	1	8	business	business	NOUN
gp-304	1	9	e	e	NOUN
gp-304	1	10	-	-	NOUN
gp-304	1	11	issn	issn	ADJ
gp-304	1	12	:	:	PUNCT
gp-304	1	13	2835	2835	NUM
gp-304	1	14	-	-	SYM
gp-304	1	15	5199	5199	NUM
gp-304	1	16	vol	vol	NOUN
gp-304	1	17	.	.	PROPN
gp-304	1	18	4	4	NUM
gp-304	1	19	no	no	NOUN
gp-304	1	20	.	.	NOUN
gp-304	1	21	8	8	NUM
gp-304	1	22	august	august	PROPN
gp-304	1	23	2025	2025	NUM
gp-304	1	24	the	the	DET
gp-304	1	25	influence	influence	NOUN
gp-304	1	26	of	of	ADP
gp-304	1	27	financial	financial	ADJ
gp-304	1	28	literacy	literacy	NOUN
gp-304	1	29	,	,	PUNCT
gp-304	1	30	financial	financial	ADJ
gp-304	1	31	technology	technology	NOUN
gp-304	1	32	literacy	literacy	NOUN
gp-304	1	33	,	,	PUNCT
gp-304	1	34	risk	risk	NOUN
gp-304	1	35	perception	perception	NOUN
gp-304	1	36	,	,	PUNCT
gp-304	1	37	and	and	CCONJ
gp-304	1	38	self	self	NOUN
gp-304	1	39	-	-	PUNCT
gp-304	1	40	efficacy	efficacy	NOUN
gp-304	1	41	on	on	ADP
gp-304	1	42	investment	investment	NOUN
gp-304	1	43	decisions	decision	NOUN
gp-304	1	44	of	of	ADP
gp-304	1	45	capital	capital	NOUN
gp-304	1	46	market	market	NOUN
gp-304	1	47	investors	investor	NOUN
gp-304	1	48	in	in	ADP
gp-304	1	49	maluku	maluku	PROPN
gp-304	1	50	through	through	ADP
gp-304	1	51	multi	multi	ADJ
gp-304	1	52	-	-	NOUN
gp-304	1	53	group	group	NOUN
gp-304	1	54	analysis	analysis	NOUN
gp-304	1	55	rahma	rahma	X
gp-304	1	56	artika	artika	X
gp-304	1	57	salampessy	salampessy	PROPN
gp-304	1	58	,	,	PUNCT
gp-304	1	59	astrie	astrie	ADJ
gp-304	1	60	krisnawati	krisnawati	PROPN
gp-304	1	61	telkom	telkom	PROPN
gp-304	1	62	university	university	PROPN
gp-304	1	63	,	,	PUNCT
gp-304	1	64	indonesia	indonesia	PROPN
gp-304	1	65	email	email	NOUN
gp-304	1	66	:	:	PUNCT
gp-304	1	67	rahmaartika29@gmail.com	rahmaartika29@gmail.com	X
gp-304	1	68	,	,	PUNCT
gp-304	1	69	astriekrisnawati@telkomuniversity.ac.id	astriekrisnawati@telkomuniversity.ac.id	PROPN
gp-304	1	70	abstract	abstract	ADJ
gp-304	1	71	this	this	DET
gp-304	1	72	study	study	NOUN
gp-304	1	73	aims	aim	VERB
gp-304	1	74	to	to	PART
gp-304	1	75	analyze	analyze	VERB
gp-304	1	76	the	the	DET
gp-304	1	77	influence	influence	NOUN
gp-304	1	78	of	of	ADP
gp-304	1	79	financial	financial	ADJ
gp-304	1	80	literacy	literacy	NOUN
gp-304	1	81	,	,	PUNCT
gp-304	1	82	financial	financial	ADJ
gp-304	1	83	technology	technology	NOUN
gp-304	1	84	literacy	literacy	NOUN
gp-304	1	85	,	,	PUNCT
gp-304	1	86	risk	risk	NOUN
gp-304	1	87	perception	perception	NOUN
gp-304	1	88	,	,	PUNCT
gp-304	1	89	and	and	CCONJ
gp-304	1	90	selfefficacy	selfefficacy	NOUN
gp-304	1	91	on	on	ADP
gp-304	1	92	investment	investment	NOUN
gp-304	1	93	decisions	decision	NOUN
gp-304	1	94	among	among	ADP
gp-304	1	95	capital	capital	NOUN
gp-304	1	96	market	market	NOUN
gp-304	1	97	investors	investor	NOUN
gp-304	1	98	in	in	ADP
gp-304	1	99	maluku	maluku	PROPN
gp-304	1	100	.	.	PUNCT
gp-304	2	1	additionally	additionally	ADV
gp-304	2	2	,	,	PUNCT
gp-304	2	3	it	it	PRON
gp-304	2	4	examines	examine	VERB
gp-304	2	5	gender	gender	NOUN
gp-304	2	6	differences	difference	NOUN
gp-304	2	7	in	in	ADP
gp-304	2	8	these	these	DET
gp-304	2	9	relationships	relationship	NOUN
gp-304	2	10	through	through	ADP
gp-304	2	11	a	a	DET
gp-304	2	12	multi	multi	ADJ
gp-304	2	13	-	-	ADJ
gp-304	2	14	group	group	NOUN
gp-304	2	15	analysis	analysis	NOUN
gp-304	2	16	approach	approach	NOUN
gp-304	2	17	.	.	PUNCT
gp-304	3	1	in	in	ADP
gp-304	3	2	regions	region	NOUN
gp-304	3	3	with	with	ADP
gp-304	3	4	relatively	relatively	ADV
gp-304	3	5	low	low	ADJ
gp-304	3	6	financial	financial	ADJ
gp-304	3	7	literacy	literacy	NOUN
gp-304	3	8	levels	level	NOUN
gp-304	3	9	like	like	ADP
gp-304	3	10	maluku	maluku	PROPN
gp-304	3	11	,	,	PUNCT
gp-304	3	12	understanding	understand	VERB
gp-304	3	13	factors	factor	NOUN
gp-304	3	14	that	that	PRON
gp-304	3	15	influence	influence	NOUN
gp-304	3	16	investment	investment	NOUN
gp-304	3	17	behavior	behavior	NOUN
gp-304	3	18	is	be	AUX
gp-304	3	19	crucial	crucial	ADJ
gp-304	3	20	for	for	ADP
gp-304	3	21	strengthening	strengthen	VERB
gp-304	3	22	financial	financial	ADJ
gp-304	3	23	inclusion	inclusion	NOUN
gp-304	3	24	strategies	strategy	NOUN
gp-304	3	25	.	.	PUNCT
gp-304	4	1	this	this	DET
gp-304	4	2	research	research	NOUN
gp-304	4	3	employed	employ	VERB
gp-304	4	4	a	a	DET
gp-304	4	5	descriptive	descriptive	ADJ
gp-304	4	6	-	-	PUNCT
gp-304	4	7	verificative	verificative	ADJ
gp-304	4	8	approach	approach	NOUN
gp-304	4	9	using	use	VERB
gp-304	4	10	survey	survey	NOUN
gp-304	4	11	methodology	methodology	NOUN
gp-304	4	12	through	through	ADP
gp-304	4	13	questionnaires	questionnaire	NOUN
gp-304	4	14	.	.	PUNCT
gp-304	5	1	the	the	DET
gp-304	5	2	sample	sample	NOUN
gp-304	5	3	was	be	AUX
gp-304	5	4	determined	determine	VERB
gp-304	5	5	using	use	VERB
gp-304	5	6	cochran	cochran	NOUN
gp-304	5	7	's	's	PART
gp-304	5	8	formula	formula	NOUN
gp-304	5	9	at	at	ADP
gp-304	5	10	a	a	DET
gp-304	5	11	5	5	NUM
gp-304	5	12	%	%	NOUN
gp-304	5	13	significance	significance	NOUN
gp-304	5	14	level	level	NOUN
gp-304	5	15	and	and	CCONJ
gp-304	5	16	adjusted	adjust	VERB
gp-304	5	17	based	base	VERB
gp-304	5	18	on	on	ADP
gp-304	5	19	gender	gender	NOUN
gp-304	5	20	distribution	distribution	NOUN
gp-304	5	21	of	of	ADP
gp-304	5	22	capital	capital	NOUN
gp-304	5	23	market	market	NOUN
gp-304	5	24	investors	investor	NOUN
gp-304	5	25	in	in	ADP
gp-304	5	26	maluku	maluku	PROPN
gp-304	5	27	,	,	PUNCT
gp-304	5	28	resulting	result	VERB
gp-304	5	29	in	in	ADP
gp-304	5	30	228	228	NUM
gp-304	5	31	male	male	ADJ
gp-304	5	32	and	and	CCONJ
gp-304	5	33	172	172	NUM
gp-304	5	34	female	female	ADJ
gp-304	5	35	respondents	respondent	NOUN
gp-304	5	36	.	.	PUNCT
gp-304	6	1	data	datum	NOUN
gp-304	6	2	were	be	AUX
gp-304	6	3	analyzed	analyze	VERB
gp-304	6	4	using	use	VERB
gp-304	6	5	partial	partial	ADJ
gp-304	6	6	least	least	ADJ
gp-304	6	7	squares	square	NOUN
gp-304	6	8	structural	structural	ADJ
gp-304	6	9	equation	equation	NOUN
gp-304	6	10	modeling	modeling	NOUN
gp-304	6	11	(	(	PUNCT
gp-304	6	12	pls	pls	INTJ
gp-304	6	13	-	-	PUNCT
gp-304	6	14	sem	sem	NOUN
gp-304	6	15	)	)	PUNCT
gp-304	6	16	,	,	PUNCT
gp-304	6	17	supplemented	supplement	VERB
gp-304	6	18	by	by	ADP
gp-304	6	19	partial	partial	ADJ
gp-304	6	20	least	least	ADJ
gp-304	6	21	squares	square	NOUN
gp-304	6	22	multi	multi	ADJ
gp-304	6	23	-	-	ADJ
gp-304	6	24	group	group	ADJ
gp-304	6	25	analysis	analysis	NOUN
gp-304	6	26	(	(	PUNCT
gp-304	6	27	pls	pls	INTJ
gp-304	6	28	-	-	PUNCT
gp-304	6	29	mga	mga	PROPN
gp-304	6	30	)	)	PUNCT
gp-304	6	31	to	to	PART
gp-304	6	32	evaluate	evaluate	VERB
gp-304	6	33	differences	difference	NOUN
gp-304	6	34	across	across	ADP
gp-304	6	35	gender	gender	NOUN
gp-304	6	36	groups	group	NOUN
gp-304	6	37	.	.	PUNCT
gp-304	7	1	results	result	NOUN
gp-304	7	2	indicate	indicate	VERB
gp-304	7	3	that	that	SCONJ
gp-304	7	4	simultaneously	simultaneously	ADV
gp-304	7	5	,	,	PUNCT
gp-304	7	6	financial	financial	ADJ
gp-304	7	7	literacy	literacy	NOUN
gp-304	7	8	,	,	PUNCT
gp-304	7	9	financial	financial	ADJ
gp-304	7	10	technology	technology	NOUN
gp-304	7	11	literacy	literacy	NOUN
gp-304	7	12	,	,	PUNCT
gp-304	7	13	risk	risk	NOUN
gp-304	7	14	perception	perception	NOUN
gp-304	7	15	,	,	PUNCT
gp-304	7	16	and	and	CCONJ
gp-304	7	17	self	self	NOUN
gp-304	7	18	-	-	PUNCT
gp-304	7	19	efficacy	efficacy	NOUN
gp-304	7	20	significantly	significantly	ADV
gp-304	7	21	influence	influence	VERB
gp-304	7	22	investment	investment	NOUN
gp-304	7	23	decisions	decision	NOUN
gp-304	7	24	in	in	ADP
gp-304	7	25	both	both	DET
gp-304	7	26	gender	gender	NOUN
gp-304	7	27	groups	group	NOUN
gp-304	7	28	.	.	PUNCT
gp-304	8	1	partially	partially	ADV
gp-304	8	2	,	,	PUNCT
gp-304	8	3	all	all	DET
gp-304	8	4	four	four	NUM
gp-304	8	5	variables	variable	NOUN
gp-304	8	6	significantly	significantly	ADV
gp-304	8	7	influence	influence	VERB
gp-304	8	8	investment	investment	NOUN
gp-304	8	9	decisions	decision	NOUN
gp-304	8	10	among	among	ADP
gp-304	8	11	male	male	ADJ
gp-304	8	12	investors	investor	NOUN
gp-304	8	13	.	.	PUNCT
gp-304	9	1	however	however	ADV
gp-304	9	2	,	,	PUNCT
gp-304	9	3	among	among	ADP
gp-304	9	4	female	female	ADJ
gp-304	9	5	investors	investor	NOUN
gp-304	9	6	,	,	PUNCT
gp-304	9	7	self	self	NOUN
gp-304	9	8	-	-	PUNCT
gp-304	9	9	efficacy	efficacy	NOUN
gp-304	9	10	does	do	AUX
gp-304	9	11	not	not	PART
gp-304	9	12	show	show	VERB
gp-304	9	13	significant	significant	ADJ
gp-304	9	14	effect	effect	NOUN
gp-304	9	15	.	.	PUNCT
gp-304	10	1	furthermore	furthermore	ADV
gp-304	10	2	,	,	PUNCT
gp-304	10	3	pls	pls	PROPN
gp-304	10	4	-	-	PUNCT
gp-304	10	5	mga	mga	PROPN
gp-304	10	6	results	result	NOUN
gp-304	10	7	reveal	reveal	VERB
gp-304	10	8	significant	significant	ADJ
gp-304	10	9	differences	difference	NOUN
gp-304	10	10	between	between	ADP
gp-304	10	11	male	male	ADJ
gp-304	10	12	and	and	CCONJ
gp-304	10	13	female	female	ADJ
gp-304	10	14	investors	investor	NOUN
gp-304	10	15	only	only	ADV
gp-304	10	16	in	in	ADP
gp-304	10	17	risk	risk	NOUN
gp-304	10	18	perception	perception	NOUN
gp-304	10	19	influence	influence	NOUN
gp-304	10	20	,	,	PUNCT
gp-304	10	21	while	while	SCONJ
gp-304	10	22	other	other	ADJ
gp-304	10	23	variables	variable	NOUN
gp-304	10	24	do	do	AUX
gp-304	10	25	not	not	PART
gp-304	10	26	exhibit	exhibit	VERB
gp-304	10	27	statistically	statistically	ADV
gp-304	10	28	significant	significant	ADJ
gp-304	10	29	differences	difference	NOUN
gp-304	10	30	.	.	PUNCT
gp-304	11	1	these	these	DET
gp-304	11	2	findings	finding	NOUN
gp-304	11	3	contribute	contribute	VERB
gp-304	11	4	to	to	ADP
gp-304	11	5	deeper	deep	ADJ
gp-304	11	6	understanding	understanding	NOUN
gp-304	11	7	of	of	ADP
gp-304	11	8	gender	gender	NOUN
gp-304	11	9	roles	role	NOUN
gp-304	11	10	in	in	ADP
gp-304	11	11	investment	investment	NOUN
gp-304	11	12	behavior	behavior	NOUN
gp-304	11	13	and	and	CCONJ
gp-304	11	14	provide	provide	VERB
gp-304	11	15	practical	practical	ADJ
gp-304	11	16	implications	implication	NOUN
gp-304	11	17	for	for	ADP
gp-304	11	18	regulators	regulator	NOUN
gp-304	11	19	and	and	CCONJ
gp-304	11	20	financial	financial	ADJ
gp-304	11	21	institutions	institution	NOUN
gp-304	11	22	in	in	ADP
gp-304	11	23	designing	design	VERB
gp-304	11	24	more	more	ADJ
gp-304	11	25	inclusive	inclusive	ADJ
gp-304	11	26	financial	financial	ADJ
gp-304	11	27	literacy	literacy	NOUN
gp-304	11	28	strategies	strategy	NOUN
gp-304	11	29	.	.	PUNCT
gp-304	12	1	keywords	keyword	NOUN
gp-304	12	2	:	:	PUNCT
gp-304	12	3	financial	financial	ADJ
gp-304	12	4	literacy	literacy	NOUN
gp-304	12	5	,	,	PUNCT
gp-304	12	6	financial	financial	ADJ
gp-304	12	7	technology	technology	NOUN
gp-304	12	8	literacy	literacy	NOUN
gp-304	12	9	,	,	PUNCT
gp-304	12	10	risk	risk	NOUN
gp-304	12	11	perception	perception	NOUN
gp-304	12	12	,	,	PUNCT
gp-304	12	13	self	self	NOUN
gp-304	12	14	-	-	PUNCT
gp-304	12	15	efficacy	efficacy	NOUN
gp-304	12	16	,	,	PUNCT
gp-304	12	17	investment	investment	NOUN
gp-304	12	18	decision	decision	NOUN
gp-304	12	19	introduction	introduction	NOUN
gp-304	12	20	investment	investment	NOUN
gp-304	12	21	represents	represent	VERB
gp-304	12	22	a	a	DET
gp-304	12	23	fundamental	fundamental	ADJ
gp-304	12	24	pillar	pillar	NOUN
gp-304	12	25	of	of	ADP
gp-304	12	26	economic	economic	ADJ
gp-304	12	27	development	development	NOUN
gp-304	12	28	and	and	CCONJ
gp-304	12	29	personal	personal	ADJ
gp-304	12	30	financial	financial	ADJ
gp-304	12	31	well	well	NOUN
gp-304	12	32	-	-	PUNCT
gp-304	12	33	being	be	AUX
gp-304	12	34	globally	globally	ADV
gp-304	12	35	.	.	PUNCT
gp-304	13	1	as	as	SCONJ
gp-304	13	2	defined	define	VERB
gp-304	13	3	by	by	ADP
gp-304	13	4	suhardi	suhardi	PROPN
gp-304	13	5	et	et	PROPN
gp-304	13	6	al	al	PROPN
gp-304	13	7	.	.	PROPN
gp-304	14	1	(	(	PUNCT
gp-304	14	2	2022	2022	NUM
gp-304	14	3	)	)	PUNCT
gp-304	14	4	,	,	PUNCT
gp-304	14	5	investment	investment	NOUN
gp-304	14	6	is	be	AUX
gp-304	14	7	a	a	DET
gp-304	14	8	commitment	commitment	NOUN
gp-304	14	9	to	to	PART
gp-304	14	10	delay	delay	VERB
gp-304	14	11	current	current	ADJ
gp-304	14	12	consumption	consumption	NOUN
gp-304	14	13	by	by	ADP
gp-304	14	14	allocating	allocate	VERB
gp-304	14	15	funds	fund	NOUN
gp-304	14	16	with	with	ADP
gp-304	14	17	the	the	DET
gp-304	14	18	objective	objective	NOUN
gp-304	14	19	of	of	ADP
gp-304	14	20	obtaining	obtain	VERB
gp-304	14	21	future	future	ADJ
gp-304	14	22	returns	return	NOUN
gp-304	14	23	.	.	PUNCT
gp-304	15	1	this	this	DET
gp-304	15	2	concept	concept	NOUN
gp-304	15	3	has	have	AUX
gp-304	15	4	become	become	VERB
gp-304	15	5	increasingly	increasingly	ADV
gp-304	15	6	significant	significant	ADJ
gp-304	15	7	as	as	SCONJ
gp-304	15	8	economies	economy	NOUN
gp-304	15	9	worldwide	worldwide	ADV
gp-304	15	10	recognize	recognize	VERB
gp-304	15	11	the	the	DET
gp-304	15	12	critical	critical	ADJ
gp-304	15	13	role	role	NOUN
gp-304	15	14	of	of	ADP
gp-304	15	15	capital	capital	NOUN
gp-304	15	16	markets	market	NOUN
gp-304	15	17	in	in	ADP
gp-304	15	18	facilitating	facilitate	VERB
gp-304	15	19	economic	economic	ADJ
gp-304	15	20	growth	growth	NOUN
gp-304	15	21	and	and	CCONJ
gp-304	15	22	providing	provide	VERB
gp-304	15	23	individuals	individual	NOUN
gp-304	15	24	with	with	ADP
gp-304	15	25	opportunities	opportunity	NOUN
gp-304	15	26	to	to	PART
gp-304	15	27	build	build	VERB
gp-304	15	28	wealth	wealth	NOUN
gp-304	16	1	(	(	PUNCT
gp-304	16	2	mensah	mensah	PROPN
gp-304	16	3	et	et	PROPN
gp-304	16	4	al	al	PROPN
gp-304	16	5	.	.	PROPN
gp-304	16	6	,	,	PUNCT
gp-304	16	7	2024	2024	NUM
gp-304	16	8	)	)	PUNCT
gp-304	16	9	.	.	PUNCT
gp-304	17	1	the	the	DET
gp-304	17	2	global	global	ADJ
gp-304	17	3	investment	investment	NOUN
gp-304	17	4	landscape	landscape	NOUN
gp-304	17	5	has	have	AUX
gp-304	17	6	experienced	experience	VERB
gp-304	17	7	american	american	ADJ
gp-304	17	8	journal	journal	PROPN
gp-304	17	9	of	of	ADP
gp-304	17	10	economic	economic	ADJ
gp-304	17	11	and	and	CCONJ
gp-304	17	12	management	management	NOUN
gp-304	17	13	business	business	NOUN
gp-304	17	14	vol	vol	NOUN
gp-304	17	15	.	.	PROPN
gp-304	18	1	4	4	NUM
gp-304	18	2	no	no	NOUN
gp-304	18	3	.	.	NOUN
gp-304	18	4	8	8	NUM
gp-304	18	5	agustus	agustus	NOUN
gp-304	18	6	2025	2025	NUM
gp-304	18	7	1389	1389	NUM
gp-304	18	8	unprecedented	unprecedented	ADJ
gp-304	18	9	transformation	transformation	NOUN
gp-304	18	10	,	,	PUNCT
gp-304	18	11	particularly	particularly	ADV
gp-304	18	12	with	with	ADP
gp-304	18	13	the	the	DET
gp-304	18	14	integration	integration	NOUN
gp-304	18	15	of	of	ADP
gp-304	18	16	digital	digital	ADJ
gp-304	18	17	technologies	technology	NOUN
gp-304	18	18	that	that	PRON
gp-304	18	19	have	have	AUX
gp-304	18	20	democratized	democratize	VERB
gp-304	18	21	access	access	NOUN
gp-304	18	22	to	to	ADP
gp-304	18	23	financial	financial	ADJ
gp-304	18	24	markets	market	NOUN
gp-304	18	25	and	and	CCONJ
gp-304	18	26	investment	investment	NOUN
gp-304	18	27	opportunities	opportunity	NOUN
gp-304	18	28	(	(	PUNCT
gp-304	18	29	sari	sari	NOUN
gp-304	18	30	&	&	CCONJ
gp-304	18	31	budiarto	budiarto	PROPN
gp-304	18	32	,	,	PUNCT
gp-304	18	33	2024	2024	NUM
gp-304	18	34	)	)	PUNCT
gp-304	18	35	.	.	PUNCT
gp-304	19	1	the	the	DET
gp-304	19	2	significance	significance	NOUN
gp-304	19	3	of	of	ADP
gp-304	19	4	investment	investment	NOUN
gp-304	19	5	decisions	decision	NOUN
gp-304	19	6	extends	extend	VERB
gp-304	19	7	beyond	beyond	ADP
gp-304	19	8	individual	individual	ADJ
gp-304	19	9	financial	financial	ADJ
gp-304	19	10	planning	planning	NOUN
gp-304	19	11	to	to	PART
gp-304	19	12	encompass	encompass	VERB
gp-304	19	13	broader	broad	ADJ
gp-304	19	14	economic	economic	ADJ
gp-304	19	15	implications	implication	NOUN
gp-304	19	16	.	.	PUNCT
gp-304	20	1	according	accord	VERB
gp-304	20	2	to	to	ADP
gp-304	20	3	recent	recent	ADJ
gp-304	20	4	global	global	ADJ
gp-304	20	5	financial	financial	ADJ
gp-304	20	6	inclusion	inclusion	NOUN
gp-304	20	7	data	datum	NOUN
gp-304	20	8	from	from	ADP
gp-304	20	9	the	the	DET
gp-304	20	10	world	world	NOUN
gp-304	20	11	bank	bank	PROPN
gp-304	20	12	(	(	PUNCT
gp-304	20	13	2022	2022	NUM
gp-304	20	14	)	)	PUNCT
gp-304	20	15	,	,	PUNCT
gp-304	20	16	approximately	approximately	ADV
gp-304	20	17	1.4	1.4	NUM
gp-304	20	18	billion	billion	NUM
gp-304	20	19	adults	adult	NOUN
gp-304	20	20	worldwide	worldwide	ADV
gp-304	20	21	remain	remain	VERB
gp-304	20	22	unbanked	unbanked	ADJ
gp-304	20	23	,	,	PUNCT
gp-304	20	24	with	with	ADP
gp-304	20	25	significant	significant	ADJ
gp-304	20	26	disparities	disparity	NOUN
gp-304	20	27	in	in	ADP
gp-304	20	28	financial	financial	ADJ
gp-304	20	29	access	access	NOUN
gp-304	20	30	and	and	CCONJ
gp-304	20	31	literacy	literacy	NOUN
gp-304	20	32	across	across	ADP
gp-304	20	33	regions	region	NOUN
gp-304	20	34	.	.	PUNCT
gp-304	21	1	developed	develop	VERB
gp-304	21	2	economies	economy	NOUN
gp-304	21	3	such	such	ADJ
gp-304	21	4	as	as	ADP
gp-304	21	5	the	the	DET
gp-304	21	6	united	united	PROPN
gp-304	21	7	states	states	PROPN
gp-304	21	8	and	and	CCONJ
gp-304	21	9	european	european	PROPN
gp-304	21	10	union	union	PROPN
gp-304	21	11	demonstrate	demonstrate	VERB
gp-304	21	12	financial	financial	ADJ
gp-304	21	13	literacy	literacy	NOUN
gp-304	21	14	rates	rate	NOUN
gp-304	21	15	exceeding	exceed	VERB
gp-304	21	16	60	60	NUM
gp-304	21	17	%	%	NOUN
gp-304	21	18	,	,	PUNCT
gp-304	21	19	while	while	SCONJ
gp-304	21	20	emerging	emerge	VERB
gp-304	21	21	markets	market	NOUN
gp-304	21	22	in	in	ADP
gp-304	21	23	southeast	southeast	PROPN
gp-304	21	24	asia	asia	PROPN
gp-304	21	25	,	,	PUNCT
gp-304	21	26	africa	africa	PROPN
gp-304	21	27	,	,	PUNCT
gp-304	21	28	and	and	CCONJ
gp-304	21	29	latin	latin	PROPN
gp-304	21	30	america	america	PROPN
gp-304	21	31	struggle	struggle	NOUN
gp-304	21	32	with	with	ADP
gp-304	21	33	rates	rate	NOUN
gp-304	21	34	below	below	ADP
gp-304	21	35	40	40	NUM
gp-304	21	36	%	%	NOUN
gp-304	21	37	.	.	PUNCT
gp-304	22	1	these	these	DET
gp-304	22	2	disparities	disparity	NOUN
gp-304	22	3	highlight	highlight	VERB
gp-304	22	4	the	the	DET
gp-304	22	5	critical	critical	ADJ
gp-304	22	6	importance	importance	NOUN
gp-304	22	7	of	of	ADP
gp-304	22	8	understanding	understand	VERB
gp-304	22	9	investment	investment	NOUN
gp-304	22	10	behavior	behavior	NOUN
gp-304	22	11	patterns	pattern	NOUN
gp-304	22	12	in	in	ADP
gp-304	22	13	different	different	ADJ
gp-304	22	14	economic	economic	ADJ
gp-304	22	15	and	and	CCONJ
gp-304	22	16	cultural	cultural	ADJ
gp-304	22	17	contexts	context	NOUN
gp-304	22	18	,	,	PUNCT
gp-304	22	19	particularly	particularly	ADV
gp-304	22	20	in	in	ADP
gp-304	22	21	regions	region	NOUN
gp-304	22	22	where	where	SCONJ
gp-304	22	23	financial	financial	ADJ
gp-304	22	24	inclusion	inclusion	NOUN
gp-304	22	25	initiatives	initiative	NOUN
gp-304	22	26	are	be	AUX
gp-304	22	27	rapidly	rapidly	ADV
gp-304	22	28	expanding	expand	VERB
gp-304	22	29	but	but	CCONJ
gp-304	22	30	financial	financial	ADJ
gp-304	22	31	education	education	NOUN
gp-304	22	32	may	may	AUX
gp-304	22	33	lag	lag	VERB
gp-304	22	34	behind	behind	ADP
gp-304	22	35	access	access	NOUN
gp-304	22	36	to	to	ADP
gp-304	22	37	financial	financial	ADJ
gp-304	22	38	services	service	NOUN
gp-304	22	39	(	(	PUNCT
gp-304	22	40	kass	kass	NOUN
gp-304	22	41	-	-	PUNCT
gp-304	22	42	hanna	hanna	PROPN
gp-304	22	43	et	et	PROPN
gp-304	22	44	al	al	PROPN
gp-304	22	45	.	.	PROPN
gp-304	22	46	,	,	PUNCT
gp-304	22	47	2022	2022	NUM
gp-304	22	48	)	)	PUNCT
gp-304	22	49	.	.	PUNCT
gp-304	23	1	according	accord	VERB
gp-304	23	2	to	to	ADP
gp-304	23	3	apriliansyah	apriliansyah	NOUN
gp-304	23	4	and	and	CCONJ
gp-304	23	5	suyatno	suyatno	NOUN
gp-304	23	6	(	(	PUNCT
gp-304	23	7	2024	2024	NUM
gp-304	23	8	)	)	PUNCT
gp-304	23	9	,	,	PUNCT
gp-304	23	10	investment	investment	NOUN
gp-304	23	11	plays	play	VERB
gp-304	23	12	a	a	DET
gp-304	23	13	crucial	crucial	ADJ
gp-304	23	14	role	role	NOUN
gp-304	23	15	in	in	ADP
gp-304	23	16	driving	drive	VERB
gp-304	23	17	economic	economic	ADJ
gp-304	23	18	growth	growth	NOUN
gp-304	23	19	,	,	PUNCT
gp-304	23	20	creating	create	VERB
gp-304	23	21	employment	employment	NOUN
gp-304	23	22	opportunities	opportunity	NOUN
gp-304	23	23	,	,	PUNCT
gp-304	23	24	and	and	CCONJ
gp-304	23	25	fostering	foster	VERB
gp-304	23	26	innovation	innovation	NOUN
gp-304	23	27	across	across	ADP
gp-304	23	28	various	various	ADJ
gp-304	23	29	sectors	sector	NOUN
gp-304	23	30	.	.	PUNCT
gp-304	24	1	however	however	ADV
gp-304	24	2	,	,	PUNCT
gp-304	24	3	the	the	DET
gp-304	24	4	complexity	complexity	NOUN
gp-304	24	5	of	of	ADP
gp-304	24	6	modern	modern	ADJ
gp-304	24	7	financial	financial	ADJ
gp-304	24	8	markets	market	NOUN
gp-304	24	9	,	,	PUNCT
gp-304	24	10	coupled	couple	VERB
gp-304	24	11	with	with	ADP
gp-304	24	12	the	the	DET
gp-304	24	13	proliferation	proliferation	NOUN
gp-304	24	14	of	of	ADP
gp-304	24	15	investment	investment	NOUN
gp-304	24	16	products	product	NOUN
gp-304	24	17	and	and	CCONJ
gp-304	24	18	digital	digital	ADJ
gp-304	24	19	platforms	platform	NOUN
gp-304	24	20	,	,	PUNCT
gp-304	24	21	has	have	AUX
gp-304	24	22	created	create	VERB
gp-304	24	23	new	new	ADJ
gp-304	24	24	challenges	challenge	NOUN
gp-304	24	25	for	for	ADP
gp-304	24	26	investors	investor	NOUN
gp-304	24	27	in	in	ADP
gp-304	24	28	making	make	VERB
gp-304	24	29	informed	informed	ADJ
gp-304	24	30	decisions	decision	NOUN
gp-304	24	31	(	(	PUNCT
gp-304	24	32	fernández	fernández	NOUN
gp-304	24	33	-	-	PUNCT
gp-304	24	34	lópez	lópez	NOUN
gp-304	24	35	et	et	PROPN
gp-304	24	36	al	al	PROPN
gp-304	24	37	.	.	PROPN
gp-304	24	38	,	,	PUNCT
gp-304	24	39	2025	2025	NUM
gp-304	24	40	)	)	PUNCT
gp-304	24	41	.	.	PUNCT
gp-304	25	1	this	this	DET
gp-304	25	2	complexity	complexity	NOUN
gp-304	25	3	is	be	AUX
gp-304	25	4	particularly	particularly	ADV
gp-304	25	5	pronounced	pronounce	VERB
gp-304	25	6	in	in	ADP
gp-304	25	7	emerging	emerge	VERB
gp-304	25	8	markets	market	NOUN
gp-304	25	9	where	where	SCONJ
gp-304	25	10	financial	financial	ADJ
gp-304	25	11	literacy	literacy	NOUN
gp-304	25	12	levels	level	NOUN
gp-304	25	13	remain	remain	VERB
gp-304	25	14	relatively	relatively	ADV
gp-304	25	15	low	low	ADJ
gp-304	25	16	,	,	PUNCT
gp-304	25	17	and	and	CCONJ
gp-304	25	18	traditional	traditional	ADJ
gp-304	25	19	investment	investment	NOUN
gp-304	25	20	education	education	NOUN
gp-304	25	21	may	may	AUX
gp-304	25	22	not	not	PART
gp-304	25	23	adequately	adequately	ADV
gp-304	25	24	address	address	VERB
gp-304	25	25	the	the	DET
gp-304	25	26	nuances	nuance	NOUN
gp-304	25	27	of	of	ADP
gp-304	25	28	contemporary	contemporary	ADJ
gp-304	25	29	financial	financial	ADJ
gp-304	25	30	instruments	instrument	NOUN
gp-304	25	31	and	and	CCONJ
gp-304	25	32	technologies	technology	NOUN
gp-304	25	33	(	(	PUNCT
gp-304	25	34	hidayat	hidayat	PROPN
gp-304	25	35	&	&	CCONJ
gp-304	25	36	sari	sari	PROPN
gp-304	25	37	,	,	PUNCT
gp-304	25	38	2022	2022	NUM
gp-304	25	39	)	)	PUNCT
gp-304	25	40	.	.	PUNCT
gp-304	26	1	globally	globally	ADV
gp-304	26	2	,	,	PUNCT
gp-304	26	3	research	research	NOUN
gp-304	26	4	has	have	AUX
gp-304	26	5	consistently	consistently	ADV
gp-304	26	6	demonstrated	demonstrate	VERB
gp-304	26	7	that	that	SCONJ
gp-304	26	8	investment	investment	NOUN
gp-304	26	9	decisions	decision	NOUN
gp-304	26	10	are	be	AUX
gp-304	26	11	influenced	influence	VERB
gp-304	26	12	by	by	ADP
gp-304	26	13	a	a	DET
gp-304	26	14	multitude	multitude	NOUN
gp-304	26	15	of	of	ADP
gp-304	26	16	factors	factor	NOUN
gp-304	26	17	beyond	beyond	ADP
gp-304	26	18	traditional	traditional	ADJ
gp-304	26	19	economic	economic	ADJ
gp-304	26	20	considerations	consideration	NOUN
gp-304	26	21	.	.	PUNCT
gp-304	27	1	the	the	DET
gp-304	27	2	behavioral	behavioral	ADJ
gp-304	27	3	finance	finance	NOUN
gp-304	27	4	literature	literature	NOUN
gp-304	27	5	,	,	PUNCT
gp-304	27	6	pioneered	pioneer	VERB
gp-304	27	7	by	by	ADP
gp-304	27	8	kahneman	kahneman	NOUN
gp-304	27	9	and	and	CCONJ
gp-304	27	10	tversky	tversky	PROPN
gp-304	27	11	(	(	PUNCT
gp-304	27	12	1979	1979	NUM
gp-304	27	13	)	)	PUNCT
gp-304	27	14	through	through	ADP
gp-304	27	15	their	their	PRON
gp-304	27	16	prospect	prospect	NOUN
gp-304	27	17	theory	theory	NOUN
gp-304	27	18	,	,	PUNCT
gp-304	27	19	reveals	reveal	VERB
gp-304	27	20	that	that	SCONJ
gp-304	27	21	investors	investor	NOUN
gp-304	27	22	often	often	ADV
gp-304	27	23	exhibit	exhibit	VERB
gp-304	27	24	systematic	systematic	ADJ
gp-304	27	25	biases	bias	NOUN
gp-304	27	26	and	and	CCONJ
gp-304	27	27	heuristics	heuristic	NOUN
gp-304	27	28	that	that	PRON
gp-304	27	29	deviate	deviate	VERB
gp-304	27	30	from	from	ADP
gp-304	27	31	purely	purely	ADV
gp-304	27	32	rational	rational	ADJ
gp-304	27	33	decisionmaking	decisionmake	VERB
gp-304	27	34	models	model	NOUN
gp-304	27	35	.	.	PUNCT
gp-304	28	1	these	these	DET
gp-304	28	2	behavioral	behavioral	ADJ
gp-304	28	3	aspects	aspect	NOUN
gp-304	28	4	become	become	VERB
gp-304	28	5	even	even	ADV
gp-304	28	6	more	more	ADV
gp-304	28	7	complex	complex	ADJ
gp-304	28	8	when	when	SCONJ
gp-304	28	9	considering	consider	VERB
gp-304	28	10	demographic	demographic	ADJ
gp-304	28	11	factors	factor	NOUN
gp-304	28	12	such	such	ADJ
gp-304	28	13	as	as	ADP
gp-304	28	14	gender	gender	NOUN
gp-304	28	15	,	,	PUNCT
gp-304	28	16	age	age	NOUN
gp-304	28	17	,	,	PUNCT
gp-304	28	18	education	education	NOUN
gp-304	28	19	,	,	PUNCT
gp-304	28	20	and	and	CCONJ
gp-304	28	21	cultural	cultural	ADJ
gp-304	28	22	background	background	NOUN
gp-304	28	23	.	.	PUNCT
gp-304	29	1	international	international	ADJ
gp-304	29	2	studies	study	NOUN
gp-304	29	3	have	have	AUX
gp-304	29	4	shown	show	VERB
gp-304	29	5	significant	significant	ADJ
gp-304	29	6	variations	variation	NOUN
gp-304	29	7	in	in	ADP
gp-304	29	8	investment	investment	NOUN
gp-304	29	9	behavior	behavior	NOUN
gp-304	29	10	across	across	ADP
gp-304	29	11	different	different	ADJ
gp-304	29	12	populations	population	NOUN
gp-304	29	13	,	,	PUNCT
gp-304	29	14	highlighting	highlight	VERB
gp-304	29	15	the	the	DET
gp-304	29	16	need	need	NOUN
gp-304	29	17	for	for	ADP
gp-304	29	18	context	context	NOUN
gp-304	29	19	-	-	PUNCT
gp-304	29	20	specific	specific	ADJ
gp-304	29	21	research	research	NOUN
gp-304	29	22	that	that	PRON
gp-304	29	23	can	can	AUX
gp-304	29	24	inform	inform	VERB
gp-304	29	25	targeted	target	VERB
gp-304	29	26	policy	policy	NOUN
gp-304	29	27	interventions	intervention	NOUN
gp-304	29	28	and	and	CCONJ
gp-304	29	29	educational	educational	ADJ
gp-304	29	30	programs	program	NOUN
gp-304	29	31	(	(	PUNCT
gp-304	29	32	grohmann	grohmann	NOUN
gp-304	29	33	,	,	PUNCT
gp-304	29	34	2018	2018	NUM
gp-304	29	35	)	)	PUNCT
gp-304	29	36	.	.	PUNCT
gp-304	30	1	in	in	ADP
gp-304	30	2	the	the	DET
gp-304	30	3	indonesian	indonesian	ADJ
gp-304	30	4	context	context	NOUN
gp-304	30	5	,	,	PUNCT
gp-304	30	6	the	the	DET
gp-304	30	7	capital	capital	NOUN
gp-304	30	8	market	market	NOUN
gp-304	30	9	has	have	AUX
gp-304	30	10	experienced	experience	VERB
gp-304	30	11	remarkable	remarkable	ADJ
gp-304	30	12	growth	growth	NOUN
gp-304	30	13	in	in	ADP
gp-304	30	14	recent	recent	ADJ
gp-304	30	15	years	year	NOUN
gp-304	30	16	,	,	PUNCT
gp-304	30	17	with	with	ADP
gp-304	30	18	the	the	DET
gp-304	30	19	number	number	NOUN
gp-304	30	20	of	of	ADP
gp-304	30	21	investors	investor	NOUN
gp-304	30	22	increasing	increase	VERB
gp-304	30	23	from	from	ADP
gp-304	30	24	7.49	7.49	NUM
gp-304	30	25	million	million	NUM
gp-304	30	26	in	in	ADP
gp-304	30	27	2021	2021	NUM
gp-304	30	28	to	to	ADP
gp-304	30	29	14.87	14.87	NUM
gp-304	30	30	million	million	NUM
gp-304	30	31	in	in	ADP
gp-304	30	32	2024	2024	NUM
gp-304	30	33	,	,	PUNCT
gp-304	30	34	representing	represent	VERB
gp-304	30	35	an	an	DET
gp-304	30	36	impressive	impressive	ADJ
gp-304	30	37	growth	growth	NOUN
gp-304	30	38	rate	rate	NOUN
gp-304	30	39	of	of	ADP
gp-304	30	40	98.53	98.53	NUM
gp-304	30	41	%	%	NOUN
gp-304	30	42	(	(	PUNCT
gp-304	30	43	ksei	ksei	ADJ
gp-304	30	44	,	,	PUNCT
gp-304	30	45	2024	2024	NUM
gp-304	30	46	)	)	PUNCT
gp-304	30	47	.	.	PUNCT
gp-304	31	1	this	this	DET
gp-304	31	2	dramatic	dramatic	ADJ
gp-304	31	3	increase	increase	NOUN
gp-304	31	4	reflects	reflect	VERB
gp-304	31	5	the	the	DET
gp-304	31	6	government	government	NOUN
gp-304	31	7	's	's	PART
gp-304	31	8	successful	successful	ADJ
gp-304	31	9	efforts	effort	NOUN
gp-304	31	10	to	to	PART
gp-304	31	11	promote	promote	VERB
gp-304	31	12	financial	financial	ADJ
gp-304	31	13	inclusion	inclusion	NOUN
gp-304	31	14	and	and	CCONJ
gp-304	31	15	the	the	DET
gp-304	31	16	growing	grow	VERB
gp-304	31	17	awareness	awareness	NOUN
gp-304	31	18	among	among	ADP
gp-304	31	19	indonesians	indonesians	PROPN
gp-304	31	20	about	about	ADP
gp-304	31	21	the	the	DET
gp-304	31	22	importance	importance	NOUN
gp-304	31	23	of	of	ADP
gp-304	31	24	investment	investment	NOUN
gp-304	31	25	for	for	ADP
gp-304	31	26	long	long	ADJ
gp-304	31	27	-	-	PUNCT
gp-304	31	28	term	term	NOUN
gp-304	31	29	financial	financial	ADJ
gp-304	31	30	security	security	NOUN
gp-304	31	31	.	.	PUNCT
gp-304	32	1	however	however	ADV
gp-304	32	2	,	,	PUNCT
gp-304	32	3	this	this	DET
gp-304	32	4	growth	growth	NOUN
gp-304	32	5	has	have	AUX
gp-304	32	6	not	not	PART
gp-304	32	7	been	be	AUX
gp-304	32	8	evenly	evenly	ADV
gp-304	32	9	distributed	distribute	VERB
gp-304	32	10	across	across	ADP
gp-304	32	11	the	the	DET
gp-304	32	12	archipelago	archipelago	NOUN
gp-304	32	13	,	,	PUNCT
gp-304	32	14	revealing	reveal	VERB
gp-304	32	15	significant	significant	ADJ
gp-304	32	16	geographical	geographical	ADJ
gp-304	32	17	disparities	disparity	NOUN
gp-304	32	18	that	that	PRON
gp-304	32	19	warrant	warrant	VERB
gp-304	32	20	closer	close	ADJ
gp-304	32	21	examination	examination	NOUN
gp-304	32	22	.	.	PUNCT
gp-304	33	1	the	the	DET
gp-304	33	2	geographical	geographical	ADJ
gp-304	33	3	distribution	distribution	NOUN
gp-304	33	4	of	of	ADP
gp-304	33	5	investors	investor	NOUN
gp-304	33	6	in	in	ADP
gp-304	33	7	indonesia	indonesia	PROPN
gp-304	33	8	presents	present	VERB
gp-304	33	9	a	a	DET
gp-304	33	10	stark	stark	ADJ
gp-304	33	11	picture	picture	NOUN
gp-304	33	12	of	of	ADP
gp-304	33	13	inequality	inequality	NOUN
gp-304	33	14	,	,	PUNCT
gp-304	33	15	with	with	ADP
gp-304	33	16	java	java	PROPN
gp-304	33	17	island	island	PROPN
gp-304	33	18	dominating	dominate	VERB
gp-304	33	19	the	the	DET
gp-304	33	20	investment	investment	NOUN
gp-304	33	21	landscape	landscape	NOUN
gp-304	33	22	at	at	ADP
gp-304	33	23	69.09	69.09	NUM
gp-304	33	24	%	%	NOUN
gp-304	33	25	of	of	ADP
gp-304	33	26	total	total	ADJ
gp-304	33	27	domestic	domestic	ADJ
gp-304	33	28	investors	investor	NOUN
gp-304	33	29	,	,	PUNCT
gp-304	33	30	followed	follow	VERB
gp-304	33	31	by	by	ADP
gp-304	33	32	sumatra	sumatra	PROPN
gp-304	33	33	(	(	PUNCT
gp-304	33	34	15.43	15.43	NUM
gp-304	33	35	%	%	NOUN
gp-304	33	36	)	)	PUNCT
gp-304	33	37	,	,	PUNCT
gp-304	33	38	kalimantan	kalimantan	PROPN
gp-304	33	39	(	(	PUNCT
gp-304	33	40	4.85	4.85	NUM
gp-304	33	41	%	%	NOUN
gp-304	33	42	)	)	PUNCT
gp-304	33	43	,	,	PUNCT
gp-304	33	44	sulawesi	sulawesi	NOUN
gp-304	33	45	(	(	PUNCT
gp-304	33	46	5.40	5.40	NUM
gp-304	33	47	%	%	NOUN
gp-304	33	48	)	)	PUNCT
gp-304	33	49	,	,	PUNCT
gp-304	33	50	and	and	CCONJ
gp-304	33	51	bali	bali	PROPN
gp-304	33	52	-	-	ADJ
gp-304	33	53	nttntb	nttntb	ADJ
gp-304	33	54	(	(	PUNCT
gp-304	33	55	3.66	3.66	NUM
gp-304	33	56	%	%	NOUN
gp-304	33	57	)	)	PUNCT
gp-304	33	58	.	.	PUNCT
gp-304	34	1	most	most	ADJ
gp-304	34	2	concerning	concern	VERB
gp-304	34	3	is	be	AUX
gp-304	34	4	the	the	DET
gp-304	34	5	minimal	minimal	ADJ
gp-304	34	6	representation	representation	NOUN
gp-304	34	7	of	of	ADP
gp-304	34	8	eastern	eastern	ADJ
gp-304	34	9	indonesian	indonesian	ADJ
gp-304	34	10	regions	region	NOUN
gp-304	34	11	,	,	PUNCT
gp-304	34	12	with	with	ADP
gp-304	34	13	american	american	ADJ
gp-304	34	14	journal	journal	PROPN
gp-304	34	15	of	of	ADP
gp-304	34	16	economic	economic	ADJ
gp-304	34	17	and	and	CCONJ
gp-304	34	18	management	management	NOUN
gp-304	34	19	business	business	NOUN
gp-304	34	20	vol	vol	NOUN
gp-304	34	21	.	.	PROPN
gp-304	35	1	4	4	NUM
gp-304	35	2	no	no	NOUN
gp-304	35	3	.	.	NOUN
gp-304	35	4	8	8	NUM
gp-304	35	5	agustus	agustus	NOUN
gp-304	35	6	2025	2025	NUM
gp-304	35	7	1390	1390	NUM
gp-304	35	8	maluku	maluku	PROPN
gp-304	35	9	and	and	CCONJ
gp-304	35	10	papua	papua	PROPN
gp-304	35	11	accounting	account	VERB
gp-304	35	12	for	for	ADP
gp-304	35	13	only	only	ADV
gp-304	35	14	1.27	1.27	NUM
gp-304	35	15	%	%	NOUN
gp-304	35	16	of	of	ADP
gp-304	35	17	total	total	ADJ
gp-304	35	18	domestic	domestic	ADJ
gp-304	35	19	investors	investor	NOUN
gp-304	35	20	despite	despite	SCONJ
gp-304	35	21	representing	represent	VERB
gp-304	35	22	a	a	DET
gp-304	35	23	significant	significant	ADJ
gp-304	35	24	portion	portion	NOUN
gp-304	35	25	of	of	ADP
gp-304	35	26	indonesia	indonesia	PROPN
gp-304	35	27	's	's	PART
gp-304	35	28	geographical	geographical	ADJ
gp-304	35	29	area	area	NOUN
gp-304	35	30	and	and	CCONJ
gp-304	35	31	population	population	NOUN
gp-304	35	32	(	(	PUNCT
gp-304	35	33	ksei	ksei	ADJ
gp-304	35	34	,	,	PUNCT
gp-304	35	35	2024	2024	NUM
gp-304	35	36	)	)	PUNCT
gp-304	35	37	.	.	PUNCT
gp-304	36	1	this	this	DET
gp-304	36	2	disparity	disparity	NOUN
gp-304	36	3	reflects	reflect	VERB
gp-304	36	4	deeper	deep	ADJ
gp-304	36	5	structural	structural	ADJ
gp-304	36	6	challenges	challenge	NOUN
gp-304	36	7	including	include	VERB
gp-304	36	8	limited	limited	ADJ
gp-304	36	9	access	access	NOUN
gp-304	36	10	to	to	ADP
gp-304	36	11	financial	financial	ADJ
gp-304	36	12	services	service	NOUN
gp-304	36	13	,	,	PUNCT
gp-304	36	14	lower	low	ADJ
gp-304	36	15	levels	level	NOUN
gp-304	36	16	of	of	ADP
gp-304	36	17	financial	financial	ADJ
gp-304	36	18	literacy	literacy	NOUN
gp-304	36	19	,	,	PUNCT
gp-304	36	20	and	and	CCONJ
gp-304	36	21	inadequate	inadequate	ADJ
gp-304	36	22	infrastructure	infrastructure	NOUN
gp-304	36	23	for	for	ADP
gp-304	36	24	supporting	support	VERB
gp-304	36	25	capital	capital	NOUN
gp-304	36	26	market	market	NOUN
gp-304	36	27	activities	activity	NOUN
gp-304	36	28	in	in	ADP
gp-304	36	29	these	these	DET
gp-304	36	30	regions	region	NOUN
gp-304	36	31	.	.	PUNCT
gp-304	37	1	focusing	focus	VERB
gp-304	37	2	specifically	specifically	ADV
gp-304	37	3	on	on	ADP
gp-304	37	4	maluku	maluku	PROPN
gp-304	37	5	province	province	PROPN
gp-304	37	6	,	,	PUNCT
gp-304	37	7	the	the	DET
gp-304	37	8	investment	investment	NOUN
gp-304	37	9	landscape	landscape	NOUN
gp-304	37	10	presents	present	VERB
gp-304	37	11	both	both	DET
gp-304	37	12	challenges	challenge	NOUN
gp-304	37	13	and	and	CCONJ
gp-304	37	14	opportunities	opportunity	NOUN
gp-304	37	15	that	that	PRON
gp-304	37	16	make	make	VERB
gp-304	37	17	it	it	PRON
gp-304	37	18	an	an	DET
gp-304	37	19	ideal	ideal	ADJ
gp-304	37	20	case	case	NOUN
gp-304	37	21	study	study	NOUN
gp-304	37	22	for	for	ADP
gp-304	37	23	understanding	understand	VERB
gp-304	37	24	investment	investment	NOUN
gp-304	37	25	behavior	behavior	NOUN
gp-304	37	26	in	in	ADP
gp-304	37	27	underdeveloped	underdeveloped	ADJ
gp-304	37	28	financial	financial	ADJ
gp-304	37	29	markets	market	NOUN
gp-304	37	30	.	.	PUNCT
gp-304	38	1	despite	despite	SCONJ
gp-304	38	2	the	the	DET
gp-304	38	3	overall	overall	ADJ
gp-304	38	4	low	low	ADJ
gp-304	38	5	representation	representation	NOUN
gp-304	38	6	in	in	ADP
gp-304	38	7	national	national	ADJ
gp-304	38	8	statistics	statistic	NOUN
gp-304	38	9	,	,	PUNCT
gp-304	38	10	maluku	maluku	PROPN
gp-304	38	11	has	have	AUX
gp-304	38	12	experienced	experience	VERB
gp-304	38	13	substantial	substantial	ADJ
gp-304	38	14	growth	growth	NOUN
gp-304	38	15	in	in	ADP
gp-304	38	16	investor	investor	NOUN
gp-304	38	17	participation	participation	NOUN
gp-304	38	18	,	,	PUNCT
gp-304	38	19	with	with	ADP
gp-304	38	20	numbers	number	NOUN
gp-304	38	21	increasing	increase	VERB
gp-304	38	22	from	from	ADP
gp-304	38	23	16,333	16,333	NUM
gp-304	38	24	in	in	ADP
gp-304	38	25	2021	2021	NUM
gp-304	38	26	to	to	ADP
gp-304	38	27	52,000	52,000	NUM
gp-304	38	28	in	in	ADP
gp-304	38	29	2024	2024	NUM
gp-304	38	30	,	,	PUNCT
gp-304	38	31	representing	represent	VERB
gp-304	38	32	an	an	DET
gp-304	38	33	extraordinary	extraordinary	ADJ
gp-304	38	34	growth	growth	NOUN
gp-304	38	35	rate	rate	NOUN
gp-304	38	36	of	of	ADP
gp-304	38	37	218	218	NUM
gp-304	38	38	%	%	NOUN
gp-304	38	39	.	.	PUNCT
gp-304	39	1	this	this	DET
gp-304	39	2	growth	growth	NOUN
gp-304	39	3	trajectory	trajectory	NOUN
gp-304	39	4	,	,	PUNCT
gp-304	39	5	while	while	SCONJ
gp-304	39	6	impressive	impressive	ADJ
gp-304	39	7	,	,	PUNCT
gp-304	39	8	must	must	AUX
gp-304	39	9	be	be	AUX
gp-304	39	10	contextualized	contextualize	VERB
gp-304	39	11	within	within	ADP
gp-304	39	12	the	the	DET
gp-304	39	13	broader	broad	ADJ
gp-304	39	14	framework	framework	NOUN
gp-304	39	15	of	of	ADP
gp-304	39	16	financial	financial	ADJ
gp-304	39	17	inclusion	inclusion	NOUN
gp-304	39	18	and	and	CCONJ
gp-304	39	19	literacy	literacy	NOUN
gp-304	39	20	indicators	indicator	NOUN
gp-304	39	21	for	for	ADP
gp-304	39	22	the	the	DET
gp-304	39	23	region	region	NOUN
gp-304	39	24	.	.	PUNCT
gp-304	40	1	the	the	DET
gp-304	40	2	financial	financial	ADJ
gp-304	40	3	inclusion	inclusion	NOUN
gp-304	40	4	rate	rate	NOUN
gp-304	40	5	in	in	ADP
gp-304	40	6	maluku	maluku	PROPN
gp-304	40	7	,	,	PUNCT
gp-304	40	8	at	at	ADP
gp-304	40	9	78.70	78.70	NUM
gp-304	40	10	%	%	NOUN
gp-304	40	11	,	,	PUNCT
gp-304	40	12	appears	appear	VERB
gp-304	40	13	encouraging	encouraging	ADJ
gp-304	40	14	and	and	CCONJ
gp-304	40	15	suggests	suggest	VERB
gp-304	40	16	that	that	SCONJ
gp-304	40	17	a	a	DET
gp-304	40	18	significant	significant	ADJ
gp-304	40	19	portion	portion	NOUN
gp-304	40	20	of	of	ADP
gp-304	40	21	the	the	DET
gp-304	40	22	population	population	NOUN
gp-304	40	23	has	have	VERB
gp-304	40	24	access	access	NOUN
gp-304	40	25	to	to	ADP
gp-304	40	26	formal	formal	ADJ
gp-304	40	27	financial	financial	ADJ
gp-304	40	28	services	service	NOUN
gp-304	40	29	.	.	PUNCT
gp-304	41	1	however	however	ADV
gp-304	41	2	,	,	PUNCT
gp-304	41	3	this	this	DET
gp-304	41	4	high	high	ADJ
gp-304	41	5	inclusion	inclusion	NOUN
gp-304	41	6	rate	rate	NOUN
gp-304	41	7	masks	mask	NOUN
gp-304	41	8	a	a	DET
gp-304	41	9	critical	critical	ADJ
gp-304	41	10	gap	gap	NOUN
gp-304	41	11	in	in	ADP
gp-304	41	12	financial	financial	ADJ
gp-304	41	13	understanding	understanding	NOUN
gp-304	41	14	,	,	PUNCT
gp-304	41	15	as	as	SCONJ
gp-304	41	16	evidenced	evidence	VERB
gp-304	41	17	by	by	ADP
gp-304	41	18	the	the	DET
gp-304	41	19	financial	financial	ADJ
gp-304	41	20	literacy	literacy	NOUN
gp-304	41	21	rate	rate	NOUN
gp-304	41	22	of	of	ADP
gp-304	41	23	only	only	ADV
gp-304	41	24	40.78	40.78	NUM
gp-304	41	25	%	%	NOUN
gp-304	41	26	(	(	PUNCT
gp-304	41	27	damayanti	damayanti	PROPN
gp-304	41	28	&	&	CCONJ
gp-304	41	29	listiawati	listiawati	PROPN
gp-304	41	30	,	,	PUNCT
gp-304	41	31	2024	2024	NUM
gp-304	41	32	)	)	PUNCT
gp-304	41	33	.	.	PUNCT
gp-304	42	1	this	this	DET
gp-304	42	2	disparity	disparity	NOUN
gp-304	42	3	between	between	ADP
gp-304	42	4	access	access	NOUN
gp-304	42	5	and	and	CCONJ
gp-304	42	6	understanding	understanding	NOUN
gp-304	42	7	creates	create	VERB
gp-304	42	8	a	a	DET
gp-304	42	9	potentially	potentially	ADV
gp-304	42	10	problematic	problematic	ADJ
gp-304	42	11	scenario	scenario	NOUN
gp-304	42	12	where	where	SCONJ
gp-304	42	13	individuals	individual	NOUN
gp-304	42	14	may	may	AUX
gp-304	42	15	have	have	VERB
gp-304	42	16	the	the	DET
gp-304	42	17	means	mean	NOUN
gp-304	42	18	to	to	PART
gp-304	42	19	participate	participate	VERB
gp-304	42	20	in	in	ADP
gp-304	42	21	financial	financial	ADJ
gp-304	42	22	markets	market	NOUN
gp-304	42	23	but	but	CCONJ
gp-304	42	24	lack	lack	VERB
gp-304	42	25	the	the	DET
gp-304	42	26	knowledge	knowledge	NOUN
gp-304	42	27	necessary	necessary	ADJ
gp-304	42	28	to	to	PART
gp-304	42	29	make	make	VERB
gp-304	42	30	informed	informed	ADJ
gp-304	42	31	investment	investment	NOUN
gp-304	42	32	decisions	decision	NOUN
gp-304	42	33	.	.	PUNCT
gp-304	43	1	the	the	DET
gp-304	43	2	situation	situation	NOUN
gp-304	43	3	becomes	become	VERB
gp-304	43	4	even	even	ADV
gp-304	43	5	more	more	ADV
gp-304	43	6	complex	complex	ADJ
gp-304	43	7	when	when	SCONJ
gp-304	43	8	considering	consider	VERB
gp-304	43	9	capital	capital	NOUN
gp-304	43	10	market	market	NOUN
gp-304	43	11	-	-	PUNCT
gp-304	43	12	specific	specific	ADJ
gp-304	43	13	literacy	literacy	NOUN
gp-304	43	14	,	,	PUNCT
gp-304	43	15	which	which	PRON
gp-304	43	16	nationally	nationally	ADV
gp-304	43	17	stands	stand	VERB
gp-304	43	18	at	at	ADP
gp-304	43	19	only	only	ADV
gp-304	43	20	4.11	4.11	NUM
gp-304	43	21	%	%	NOUN
gp-304	43	22	with	with	ADP
gp-304	43	23	inclusion	inclusion	NOUN
gp-304	43	24	at	at	ADP
gp-304	43	25	5.19	5.19	NUM
gp-304	43	26	%	%	NOUN
gp-304	43	27	,	,	PUNCT
gp-304	43	28	indicating	indicate	VERB
gp-304	43	29	that	that	SCONJ
gp-304	43	30	the	the	DET
gp-304	43	31	vast	vast	ADJ
gp-304	43	32	majority	majority	NOUN
gp-304	43	33	of	of	ADP
gp-304	43	34	indonesians	indonesians	PROPN
gp-304	43	35	,	,	PUNCT
gp-304	43	36	including	include	VERB
gp-304	43	37	those	those	PRON
gp-304	43	38	in	in	ADP
gp-304	43	39	maluku	maluku	PROPN
gp-304	43	40	,	,	PUNCT
gp-304	43	41	have	have	AUX
gp-304	43	42	limited	limit	VERB
gp-304	43	43	understanding	understanding	NOUN
gp-304	43	44	of	of	ADP
gp-304	43	45	capital	capital	NOUN
gp-304	43	46	market	market	NOUN
gp-304	43	47	instruments	instrument	NOUN
gp-304	43	48	and	and	CCONJ
gp-304	43	49	mechanisms	mechanism	NOUN
gp-304	43	50	.	.	PUNCT
gp-304	44	1	gender	gender	NOUN
gp-304	44	2	-	-	PUNCT
gp-304	44	3	based	base	VERB
gp-304	44	4	disparities	disparity	NOUN
gp-304	44	5	in	in	ADP
gp-304	44	6	investment	investment	NOUN
gp-304	44	7	participation	participation	NOUN
gp-304	44	8	represent	represent	VERB
gp-304	44	9	another	another	DET
gp-304	44	10	critical	critical	ADJ
gp-304	44	11	dimension	dimension	NOUN
gp-304	44	12	of	of	ADP
gp-304	44	13	the	the	DET
gp-304	44	14	investment	investment	NOUN
gp-304	44	15	landscape	landscape	NOUN
gp-304	44	16	that	that	PRON
gp-304	44	17	requires	require	VERB
gp-304	44	18	systematic	systematic	ADJ
gp-304	44	19	investigation	investigation	NOUN
gp-304	44	20	.	.	PUNCT
gp-304	45	1	national	national	ADJ
gp-304	45	2	data	datum	NOUN
gp-304	45	3	from	from	ADP
gp-304	45	4	ksei	ksei	ADJ
gp-304	45	5	(	(	PUNCT
gp-304	45	6	2024	2024	NUM
gp-304	45	7	)	)	PUNCT
gp-304	45	8	reveals	reveal	VERB
gp-304	45	9	that	that	SCONJ
gp-304	45	10	male	male	ADJ
gp-304	45	11	investors	investor	NOUN
gp-304	45	12	dominate	dominate	VERB
gp-304	45	13	the	the	DET
gp-304	45	14	capital	capital	NOUN
gp-304	45	15	market	market	NOUN
gp-304	45	16	with	with	ADP
gp-304	45	17	62.35	62.35	NUM
gp-304	45	18	%	%	NOUN
gp-304	45	19	participation	participation	NOUN
gp-304	45	20	,	,	PUNCT
gp-304	45	21	while	while	SCONJ
gp-304	45	22	female	female	ADJ
gp-304	45	23	investors	investor	NOUN
gp-304	45	24	account	account	VERB
gp-304	45	25	for	for	ADP
gp-304	45	26	only	only	ADV
gp-304	45	27	37.65	37.65	NUM
gp-304	45	28	%	%	NOUN
gp-304	45	29	.	.	PUNCT
gp-304	46	1	this	this	DET
gp-304	46	2	gender	gender	NOUN
gp-304	46	3	gap	gap	NOUN
gp-304	46	4	is	be	AUX
gp-304	46	5	mirrored	mirror	VERB
gp-304	46	6	in	in	ADP
gp-304	46	7	maluku	maluku	PROPN
gp-304	46	8	,	,	PUNCT
gp-304	46	9	where	where	SCONJ
gp-304	46	10	male	male	ADJ
gp-304	46	11	investors	investor	NOUN
gp-304	46	12	constitute	constitute	VERB
gp-304	46	13	57	57	NUM
gp-304	46	14	%	%	NOUN
gp-304	46	15	of	of	ADP
gp-304	46	16	the	the	DET
gp-304	46	17	investor	investor	NOUN
gp-304	46	18	population	population	NOUN
gp-304	46	19	compared	compare	VERB
gp-304	46	20	to	to	ADP
gp-304	46	21	43	43	NUM
gp-304	46	22	%	%	NOUN
gp-304	46	23	for	for	ADP
gp-304	46	24	female	female	ADJ
gp-304	46	25	investors	investor	NOUN
gp-304	46	26	.	.	PUNCT
gp-304	47	1	these	these	DET
gp-304	47	2	disparities	disparity	NOUN
gp-304	47	3	are	be	AUX
gp-304	47	4	not	not	PART
gp-304	47	5	merely	merely	ADV
gp-304	47	6	statistical	statistical	ADJ
gp-304	47	7	curiosities	curiosity	NOUN
gp-304	47	8	but	but	CCONJ
gp-304	47	9	reflect	reflect	VERB
gp-304	47	10	deeper	deep	ADJ
gp-304	47	11	societal	societal	ADJ
gp-304	47	12	,	,	PUNCT
gp-304	47	13	cultural	cultural	ADJ
gp-304	47	14	,	,	PUNCT
gp-304	47	15	and	and	CCONJ
gp-304	47	16	psychological	psychological	ADJ
gp-304	47	17	factors	factor	NOUN
gp-304	47	18	that	that	PRON
gp-304	47	19	influence	influence	VERB
gp-304	47	20	how	how	SCONJ
gp-304	47	21	different	different	ADJ
gp-304	47	22	demographic	demographic	ADJ
gp-304	47	23	groups	group	NOUN
gp-304	47	24	approach	approach	VERB
gp-304	47	25	financial	financial	ADJ
gp-304	47	26	decision	decision	NOUN
gp-304	47	27	-	-	PUNCT
gp-304	47	28	making	making	NOUN
gp-304	47	29	and	and	CCONJ
gp-304	47	30	risktaking	risktake	VERB
gp-304	47	31	.	.	PUNCT
gp-304	48	1	the	the	DET
gp-304	48	2	urgency	urgency	NOUN
gp-304	48	3	of	of	ADP
gp-304	48	4	investigating	investigate	VERB
gp-304	48	5	investment	investment	NOUN
gp-304	48	6	decision	decision	NOUN
gp-304	48	7	-	-	PUNCT
gp-304	48	8	making	make	VERB
gp-304	48	9	factors	factor	NOUN
gp-304	48	10	in	in	ADP
gp-304	48	11	regions	region	NOUN
gp-304	48	12	like	like	ADP
gp-304	48	13	maluku	maluku	PROPN
gp-304	48	14	stems	stem	VERB
gp-304	48	15	from	from	ADP
gp-304	48	16	several	several	ADJ
gp-304	48	17	converging	converge	VERB
gp-304	48	18	factors	factor	NOUN
gp-304	48	19	.	.	PUNCT
gp-304	49	1	first	first	ADV
gp-304	49	2	,	,	PUNCT
gp-304	49	3	the	the	DET
gp-304	49	4	rapid	rapid	ADJ
gp-304	49	5	growth	growth	NOUN
gp-304	49	6	in	in	ADP
gp-304	49	7	investor	investor	NOUN
gp-304	49	8	numbers	number	NOUN
gp-304	49	9	without	without	ADP
gp-304	49	10	corresponding	correspond	VERB
gp-304	49	11	improvements	improvement	NOUN
gp-304	49	12	in	in	ADP
gp-304	49	13	financial	financial	ADJ
gp-304	49	14	literacy	literacy	NOUN
gp-304	49	15	creates	create	VERB
gp-304	49	16	risks	risk	NOUN
gp-304	49	17	for	for	ADP
gp-304	49	18	individual	individual	ADJ
gp-304	49	19	investors	investor	NOUN
gp-304	49	20	and	and	CCONJ
gp-304	49	21	systemic	systemic	ADJ
gp-304	49	22	stability	stability	NOUN
gp-304	49	23	.	.	PUNCT
gp-304	50	1	second	second	ADV
gp-304	50	2	,	,	PUNCT
gp-304	50	3	the	the	DET
gp-304	50	4	significant	significant	ADJ
gp-304	50	5	gender	gender	NOUN
gp-304	50	6	disparities	disparity	NOUN
gp-304	50	7	in	in	ADP
gp-304	50	8	investment	investment	NOUN
gp-304	50	9	participation	participation	NOUN
gp-304	50	10	suggest	suggest	VERB
gp-304	50	11	that	that	SCONJ
gp-304	50	12	current	current	ADJ
gp-304	50	13	approaches	approach	NOUN
gp-304	50	14	to	to	ADP
gp-304	50	15	financial	financial	ADJ
gp-304	50	16	education	education	NOUN
gp-304	50	17	and	and	CCONJ
gp-304	50	18	market	market	NOUN
gp-304	50	19	development	development	NOUN
gp-304	50	20	may	may	AUX
gp-304	50	21	not	not	PART
gp-304	50	22	be	be	AUX
gp-304	50	23	adequately	adequately	ADV
gp-304	50	24	serving	serve	VERB
gp-304	50	25	all	all	DET
gp-304	50	26	segments	segment	NOUN
gp-304	50	27	of	of	ADP
gp-304	50	28	the	the	DET
gp-304	50	29	population	population	NOUN
gp-304	50	30	.	.	PUNCT
gp-304	51	1	third	third	ADJ
gp-304	51	2	,	,	PUNCT
gp-304	51	3	the	the	DET
gp-304	51	4	unique	unique	ADJ
gp-304	51	5	geographical	geographical	ADJ
gp-304	51	6	,	,	PUNCT
gp-304	51	7	cultural	cultural	ADJ
gp-304	51	8	,	,	PUNCT
gp-304	51	9	and	and	CCONJ
gp-304	51	10	economic	economic	ADJ
gp-304	51	11	characteristics	characteristic	NOUN
gp-304	51	12	of	of	ADP
gp-304	51	13	eastern	eastern	ADJ
gp-304	51	14	indonesian	indonesian	ADJ
gp-304	51	15	regions	region	NOUN
gp-304	51	16	require	require	VERB
gp-304	51	17	localized	localized	ADJ
gp-304	51	18	understanding	understanding	NOUN
gp-304	51	19	rather	rather	ADV
gp-304	51	20	than	than	ADP
gp-304	51	21	assumptions	assumption	NOUN
gp-304	51	22	based	base	VERB
gp-304	51	23	on	on	ADP
gp-304	51	24	research	research	NOUN
gp-304	51	25	conducted	conduct	VERB
gp-304	51	26	in	in	ADP
gp-304	51	27	more	more	ADJ
gp-304	51	28	developed	develop	VERB
gp-304	51	29	areas	area	NOUN
gp-304	51	30	like	like	ADP
gp-304	51	31	java	java	NOUN
gp-304	51	32	and	and	CCONJ
gp-304	51	33	bali	bali	PROPN
gp-304	51	34	.	.	PROPN
gp-304	52	1	from	from	ADP
gp-304	52	2	a	a	DET
gp-304	52	3	theoretical	theoretical	ADJ
gp-304	52	4	perspective	perspective	NOUN
gp-304	52	5	,	,	PUNCT
gp-304	52	6	investment	investment	NOUN
gp-304	52	7	decision	decision	NOUN
gp-304	52	8	-	-	PUNCT
gp-304	52	9	making	making	NOUN
gp-304	52	10	has	have	AUX
gp-304	52	11	been	be	AUX
gp-304	52	12	extensively	extensively	ADV
gp-304	52	13	studied	study	VERB
gp-304	52	14	through	through	ADP
gp-304	52	15	various	various	ADJ
gp-304	52	16	lenses	lense	NOUN
gp-304	52	17	,	,	PUNCT
gp-304	52	18	with	with	ADP
gp-304	52	19	behavioral	behavioral	ADJ
gp-304	52	20	finance	finance	NOUN
gp-304	52	21	theory	theory	NOUN
gp-304	52	22	providing	provide	VERB
gp-304	52	23	particularly	particularly	ADV
gp-304	52	24	valuable	valuable	ADJ
gp-304	52	25	insights	insight	NOUN
gp-304	52	26	.	.	PUNCT
gp-304	53	1	american	american	ADJ
gp-304	53	2	journal	journal	PROPN
gp-304	53	3	of	of	ADP
gp-304	53	4	economic	economic	ADJ
gp-304	53	5	and	and	CCONJ
gp-304	53	6	management	management	NOUN
gp-304	53	7	business	business	NOUN
gp-304	53	8	vol	vol	NOUN
gp-304	53	9	.	.	PROPN
gp-304	54	1	4	4	NUM
gp-304	54	2	no	no	NOUN
gp-304	54	3	.	.	NOUN
gp-304	54	4	8	8	NUM
gp-304	54	5	agustus	agustus	NOUN
gp-304	54	6	2025	2025	NUM
gp-304	54	7	1391	1391	NUM
gp-304	54	8	the	the	DET
gp-304	54	9	theory	theory	NOUN
gp-304	54	10	of	of	ADP
gp-304	54	11	planned	plan	VERB
gp-304	54	12	behavior	behavior	NOUN
gp-304	54	13	,	,	PUNCT
gp-304	54	14	developed	develop	VERB
gp-304	54	15	by	by	ADP
gp-304	54	16	ajzen	ajzen	PROPN
gp-304	54	17	(	(	PUNCT
gp-304	54	18	1991	1991	NUM
gp-304	54	19	)	)	PUNCT
gp-304	54	20	,	,	PUNCT
gp-304	54	21	suggests	suggest	VERB
gp-304	54	22	that	that	SCONJ
gp-304	54	23	investment	investment	NOUN
gp-304	54	24	decisions	decision	NOUN
gp-304	54	25	are	be	AUX
gp-304	54	26	influenced	influence	VERB
gp-304	54	27	by	by	ADP
gp-304	54	28	attitudes	attitude	NOUN
gp-304	54	29	,	,	PUNCT
gp-304	54	30	subjective	subjective	ADJ
gp-304	54	31	norms	norm	NOUN
gp-304	54	32	,	,	PUNCT
gp-304	54	33	and	and	CCONJ
gp-304	54	34	perceived	perceive	VERB
gp-304	54	35	behavioral	behavioral	ADJ
gp-304	54	36	control	control	NOUN
gp-304	54	37	.	.	PUNCT
gp-304	55	1	this	this	DET
gp-304	55	2	framework	framework	NOUN
gp-304	55	3	has	have	AUX
gp-304	55	4	been	be	AUX
gp-304	55	5	complemented	complement	VERB
gp-304	55	6	by	by	ADP
gp-304	55	7	behavioral	behavioral	ADJ
gp-304	55	8	finance	finance	NOUN
gp-304	55	9	theories	theory	NOUN
gp-304	55	10	,	,	PUNCT
gp-304	55	11	particularly	particularly	ADV
gp-304	55	12	kahneman	kahneman	ADJ
gp-304	55	13	and	and	CCONJ
gp-304	55	14	tversky	tversky	NOUN
gp-304	55	15	's	's	PART
gp-304	55	16	(	(	PUNCT
gp-304	55	17	1979	1979	NUM
gp-304	55	18	)	)	PUNCT
gp-304	55	19	prospect	prospect	NOUN
gp-304	55	20	theory	theory	NOUN
gp-304	55	21	,	,	PUNCT
gp-304	55	22	which	which	PRON
gp-304	55	23	demonstrates	demonstrate	VERB
gp-304	55	24	that	that	SCONJ
gp-304	55	25	individuals	individual	NOUN
gp-304	55	26	exhibit	exhibit	VERB
gp-304	55	27	loss	loss	NOUN
gp-304	55	28	aversion	aversion	NOUN
gp-304	55	29	and	and	CCONJ
gp-304	55	30	make	make	VERB
gp-304	55	31	decisions	decision	NOUN
gp-304	55	32	based	base	VERB
gp-304	55	33	on	on	ADP
gp-304	55	34	perceived	perceive	VERB
gp-304	55	35	gains	gain	NOUN
gp-304	55	36	and	and	CCONJ
gp-304	55	37	losses	loss	NOUN
gp-304	55	38	rather	rather	ADV
gp-304	55	39	than	than	ADP
gp-304	55	40	absolute	absolute	ADJ
gp-304	55	41	outcomes	outcome	NOUN
gp-304	55	42	.	.	PUNCT
gp-304	56	1	these	these	DET
gp-304	56	2	theoretical	theoretical	ADJ
gp-304	56	3	foundations	foundation	NOUN
gp-304	56	4	provide	provide	VERB
gp-304	56	5	the	the	DET
gp-304	56	6	basis	basis	NOUN
gp-304	56	7	for	for	ADP
gp-304	56	8	understanding	understand	VERB
gp-304	56	9	how	how	SCONJ
gp-304	56	10	factors	factor	NOUN
gp-304	56	11	such	such	ADJ
gp-304	56	12	as	as	ADP
gp-304	56	13	financial	financial	ADJ
gp-304	56	14	literacy	literacy	NOUN
gp-304	56	15	,	,	PUNCT
gp-304	56	16	risk	risk	NOUN
gp-304	56	17	perception	perception	NOUN
gp-304	56	18	,	,	PUNCT
gp-304	56	19	and	and	CCONJ
gp-304	56	20	self	self	NOUN
gp-304	56	21	-	-	PUNCT
gp-304	56	22	efficacy	efficacy	NOUN
gp-304	56	23	influence	influence	NOUN
gp-304	56	24	investment	investment	NOUN
gp-304	56	25	behavior	behavior	NOUN
gp-304	56	26	.	.	PUNCT
gp-304	57	1	financial	financial	ADJ
gp-304	57	2	literacy	literacy	NOUN
gp-304	57	3	,	,	PUNCT
gp-304	57	4	as	as	SCONJ
gp-304	57	5	conceptualized	conceptualize	VERB
gp-304	57	6	by	by	ADP
gp-304	57	7	ramadhania	ramadhania	NOUN
gp-304	57	8	and	and	CCONJ
gp-304	57	9	krisnawati	krisnawati	PROPN
gp-304	57	10	(	(	PUNCT
gp-304	57	11	2024	2024	NUM
gp-304	57	12	)	)	PUNCT
gp-304	57	13	,	,	PUNCT
gp-304	57	14	represents	represent	VERB
gp-304	57	15	the	the	DET
gp-304	57	16	combination	combination	NOUN
gp-304	57	17	of	of	ADP
gp-304	57	18	knowledge	knowledge	NOUN
gp-304	57	19	,	,	PUNCT
gp-304	57	20	skills	skill	NOUN
gp-304	57	21	,	,	PUNCT
gp-304	57	22	and	and	CCONJ
gp-304	57	23	confidence	confidence	NOUN
gp-304	57	24	that	that	SCONJ
gp-304	57	25	individuals	individual	NOUN
gp-304	57	26	possess	possess	VERB
gp-304	57	27	in	in	ADP
gp-304	57	28	shaping	shape	VERB
gp-304	57	29	wise	wise	ADJ
gp-304	57	30	financial	financial	ADJ
gp-304	57	31	attitudes	attitude	NOUN
gp-304	57	32	and	and	CCONJ
gp-304	57	33	behaviors	behavior	NOUN
gp-304	57	34	.	.	PUNCT
gp-304	58	1	research	research	NOUN
gp-304	58	2	by	by	ADP
gp-304	58	3	shafira	shafira	PROPN
gp-304	58	4	et	et	PROPN
gp-304	58	5	al	al	PROPN
gp-304	58	6	.	.	PROPN
gp-304	59	1	(	(	PUNCT
gp-304	59	2	2024	2024	NUM
gp-304	59	3	)	)	PUNCT
gp-304	59	4	and	and	CCONJ
gp-304	59	5	chandra	chandra	PROPN
gp-304	59	6	et	et	PROPN
gp-304	59	7	al	al	PROPN
gp-304	59	8	.	.	PROPN
gp-304	60	1	(	(	PUNCT
gp-304	60	2	2023	2023	NUM
gp-304	60	3	)	)	PUNCT
gp-304	60	4	has	have	AUX
gp-304	60	5	consistently	consistently	ADV
gp-304	60	6	shown	show	VERB
gp-304	60	7	that	that	SCONJ
gp-304	60	8	financial	financial	ADJ
gp-304	60	9	literacy	literacy	NOUN
gp-304	60	10	significantly	significantly	ADV
gp-304	60	11	influences	influence	VERB
gp-304	60	12	investment	investment	NOUN
gp-304	60	13	decision	decision	NOUN
gp-304	60	14	-	-	PUNCT
gp-304	60	15	making	making	NOUN
gp-304	60	16	,	,	PUNCT
gp-304	60	17	with	with	ADP
gp-304	60	18	higher	high	ADJ
gp-304	60	19	levels	level	NOUN
gp-304	60	20	of	of	ADP
gp-304	60	21	financial	financial	ADJ
gp-304	60	22	understanding	understanding	NOUN
gp-304	60	23	leading	lead	VERB
gp-304	60	24	to	to	ADP
gp-304	60	25	more	more	ADV
gp-304	60	26	rational	rational	ADJ
gp-304	60	27	and	and	CCONJ
gp-304	60	28	effective	effective	ADJ
gp-304	60	29	investment	investment	NOUN
gp-304	60	30	choices	choice	NOUN
gp-304	60	31	.	.	PUNCT
gp-304	61	1	however	however	ADV
gp-304	61	2	,	,	PUNCT
gp-304	61	3	studies	study	NOUN
gp-304	61	4	by	by	ADP
gp-304	61	5	makkulau	makkulau	PROPN
gp-304	61	6	et	et	PROPN
gp-304	61	7	al	al	PROPN
gp-304	61	8	.	.	PROPN
gp-304	61	9	(	(	PUNCT
gp-304	61	10	2023	2023	NUM
gp-304	61	11	)	)	PUNCT
gp-304	61	12	have	have	AUX
gp-304	61	13	produced	produce	VERB
gp-304	61	14	conflicting	conflicting	ADJ
gp-304	61	15	results	result	NOUN
gp-304	61	16	,	,	PUNCT
gp-304	61	17	suggesting	suggest	VERB
gp-304	61	18	that	that	SCONJ
gp-304	61	19	the	the	DET
gp-304	61	20	relationship	relationship	NOUN
gp-304	61	21	between	between	ADP
gp-304	61	22	financial	financial	ADJ
gp-304	61	23	literacy	literacy	NOUN
gp-304	61	24	and	and	CCONJ
gp-304	61	25	investment	investment	NOUN
gp-304	61	26	decisions	decision	NOUN
gp-304	61	27	may	may	AUX
gp-304	61	28	be	be	AUX
gp-304	61	29	more	more	ADV
gp-304	61	30	complex	complex	ADJ
gp-304	61	31	than	than	SCONJ
gp-304	61	32	initially	initially	ADV
gp-304	61	33	understood	understand	VERB
gp-304	61	34	,	,	PUNCT
gp-304	61	35	particularly	particularly	ADV
gp-304	61	36	in	in	ADP
gp-304	61	37	different	different	ADJ
gp-304	61	38	cultural	cultural	ADJ
gp-304	61	39	and	and	CCONJ
gp-304	61	40	economic	economic	ADJ
gp-304	61	41	contexts	context	NOUN
gp-304	61	42	.	.	PUNCT
gp-304	62	1	the	the	DET
gp-304	62	2	emergence	emergence	NOUN
gp-304	62	3	of	of	ADP
gp-304	62	4	financial	financial	ADJ
gp-304	62	5	technology	technology	NOUN
gp-304	62	6	has	have	AUX
gp-304	62	7	introduced	introduce	VERB
gp-304	62	8	a	a	DET
gp-304	62	9	new	new	ADJ
gp-304	62	10	dimension	dimension	NOUN
gp-304	62	11	to	to	ADP
gp-304	62	12	investment	investment	NOUN
gp-304	62	13	decision	decision	NOUN
gp-304	62	14	-	-	PUNCT
gp-304	62	15	making	making	NOUN
gp-304	62	16	that	that	PRON
gp-304	62	17	requires	require	VERB
gp-304	62	18	separate	separate	ADJ
gp-304	62	19	consideration	consideration	NOUN
gp-304	62	20	.	.	PUNCT
gp-304	63	1	financial	financial	ADJ
gp-304	63	2	technology	technology	NOUN
gp-304	63	3	literacy	literacy	NOUN
gp-304	63	4	,	,	PUNCT
gp-304	63	5	as	as	SCONJ
gp-304	63	6	defined	define	VERB
gp-304	63	7	by	by	ADP
gp-304	63	8	maryam	maryam	PROPN
gp-304	63	9	et	et	PROPN
gp-304	63	10	al	al	PROPN
gp-304	63	11	.	.	PROPN
gp-304	64	1	(	(	PUNCT
gp-304	64	2	2023	2023	NUM
gp-304	64	3	)	)	PUNCT
gp-304	64	4	,	,	PUNCT
gp-304	64	5	encompasses	encompass	VERB
gp-304	64	6	awareness	awareness	NOUN
gp-304	64	7	of	of	ADP
gp-304	64	8	financial	financial	ADJ
gp-304	64	9	technology	technology	NOUN
gp-304	64	10	,	,	PUNCT
gp-304	64	11	better	well	ADJ
gp-304	64	12	utilization	utilization	NOUN
gp-304	64	13	of	of	ADP
gp-304	64	14	financial	financial	ADJ
gp-304	64	15	product	product	NOUN
gp-304	64	16	knowledge	knowledge	NOUN
gp-304	64	17	,	,	PUNCT
gp-304	64	18	and	and	CCONJ
gp-304	64	19	risk	risk	NOUN
gp-304	64	20	control	control	NOUN
gp-304	64	21	arising	arise	VERB
gp-304	64	22	from	from	ADP
gp-304	64	23	financial	financial	ADJ
gp-304	64	24	technology	technology	NOUN
gp-304	64	25	.	.	PUNCT
gp-304	65	1	research	research	NOUN
gp-304	65	2	by	by	ADP
gp-304	65	3	sunarko	sunarko	PROPN
gp-304	65	4	and	and	CCONJ
gp-304	65	5	sutrisno	sutrisno	ADJ
gp-304	65	6	(	(	PUNCT
gp-304	65	7	2025	2025	NUM
gp-304	65	8	)	)	PUNCT
gp-304	65	9	demonstrates	demonstrate	VERB
gp-304	65	10	that	that	SCONJ
gp-304	65	11	investment	investment	NOUN
gp-304	65	12	decisions	decision	NOUN
gp-304	65	13	are	be	AUX
gp-304	65	14	positively	positively	ADV
gp-304	65	15	and	and	CCONJ
gp-304	65	16	significantly	significantly	ADV
gp-304	65	17	influenced	influence	VERB
gp-304	65	18	by	by	ADP
gp-304	65	19	individuals	individual	NOUN
gp-304	65	20	'	'	PART
gp-304	65	21	financial	financial	ADJ
gp-304	65	22	technology	technology	NOUN
gp-304	65	23	literacy	literacy	NOUN
gp-304	65	24	,	,	PUNCT
gp-304	65	25	particularly	particularly	ADV
gp-304	65	26	among	among	ADP
gp-304	65	27	millennials	millennial	NOUN
gp-304	65	28	.	.	PUNCT
gp-304	66	1	the	the	DET
gp-304	66	2	technology	technology	NOUN
gp-304	66	3	acceptance	acceptance	NOUN
gp-304	66	4	model	model	NOUN
gp-304	66	5	(	(	PUNCT
gp-304	66	6	tam	tam	PROPN
gp-304	66	7	)	)	PUNCT
gp-304	66	8	,	,	PUNCT
gp-304	66	9	by	by	ADP
gp-304	66	10	davis	davis	PROPN
gp-304	66	11	(	(	PUNCT
gp-304	66	12	1989	1989	NUM
gp-304	66	13	)	)	PUNCT
gp-304	66	14	,	,	PUNCT
gp-304	66	15	provides	provide	VERB
gp-304	66	16	theoretical	theoretical	ADJ
gp-304	66	17	grounding	grounding	NOUN
gp-304	66	18	for	for	ADP
gp-304	66	19	understanding	understand	VERB
gp-304	66	20	how	how	SCONJ
gp-304	66	21	perceived	perceive	VERB
gp-304	66	22	usefulness	usefulness	NOUN
gp-304	66	23	and	and	CCONJ
gp-304	66	24	ease	ease	NOUN
gp-304	66	25	of	of	ADP
gp-304	66	26	use	use	NOUN
gp-304	66	27	influence	influence	NOUN
gp-304	66	28	technology	technology	NOUN
gp-304	66	29	adoption	adoption	NOUN
gp-304	66	30	in	in	ADP
gp-304	66	31	financial	financial	ADJ
gp-304	66	32	contexts	contexts	NOUN
gp-304	66	33	.	.	PUNCT
gp-304	67	1	risk	risk	NOUN
gp-304	67	2	perception	perception	NOUN
gp-304	67	3	represents	represent	VERB
gp-304	67	4	another	another	DET
gp-304	67	5	crucial	crucial	ADJ
gp-304	67	6	factor	factor	NOUN
gp-304	67	7	in	in	ADP
gp-304	67	8	investment	investment	NOUN
gp-304	67	9	decision	decision	NOUN
gp-304	67	10	-	-	PUNCT
gp-304	67	11	making	making	NOUN
gp-304	67	12	,	,	PUNCT
gp-304	67	13	with	with	ADP
gp-304	67	14	substantial	substantial	ADJ
gp-304	67	15	research	research	NOUN
gp-304	67	16	demonstrating	demonstrate	VERB
gp-304	67	17	its	its	PRON
gp-304	67	18	influence	influence	NOUN
gp-304	67	19	on	on	ADP
gp-304	67	20	investor	investor	NOUN
gp-304	67	21	behavior	behavior	NOUN
gp-304	67	22	.	.	PUNCT
gp-304	68	1	according	accord	VERB
gp-304	68	2	to	to	ADP
gp-304	68	3	afrida	afrida	PROPN
gp-304	68	4	and	and	CCONJ
gp-304	68	5	sari	sari	ADJ
gp-304	68	6	(	(	PUNCT
gp-304	68	7	2021	2021	NUM
gp-304	68	8	)	)	PUNCT
gp-304	68	9	,	,	PUNCT
gp-304	68	10	risk	risk	NOUN
gp-304	68	11	perception	perception	NOUN
gp-304	68	12	refers	refer	VERB
gp-304	68	13	to	to	ADP
gp-304	68	14	how	how	SCONJ
gp-304	68	15	individuals	individual	NOUN
gp-304	68	16	assess	assess	VERB
gp-304	68	17	potential	potential	ADJ
gp-304	68	18	negative	negative	ADJ
gp-304	68	19	outcomes	outcome	NOUN
gp-304	68	20	that	that	PRON
gp-304	68	21	may	may	AUX
gp-304	68	22	occur	occur	VERB
gp-304	68	23	in	in	ADP
gp-304	68	24	investment	investment	NOUN
gp-304	68	25	activities	activity	NOUN
gp-304	68	26	.	.	PUNCT
gp-304	69	1	studies	study	NOUN
gp-304	69	2	by	by	ADP
gp-304	69	3	bhattacharjee	bhattacharjee	PROPN
gp-304	69	4	et	et	PROPN
gp-304	69	5	al	al	PROPN
gp-304	69	6	.	.	PROPN
gp-304	69	7	(	(	PUNCT
gp-304	69	8	2021	2021	NUM
gp-304	69	9	)	)	PUNCT
gp-304	69	10	and	and	CCONJ
gp-304	69	11	deb	deb	PROPN
gp-304	69	12	and	and	CCONJ
gp-304	69	13	singh	singh	PROPN
gp-304	69	14	(	(	PUNCT
gp-304	69	15	2018	2018	NUM
gp-304	69	16	)	)	PUNCT
gp-304	69	17	have	have	AUX
gp-304	69	18	shown	show	VERB
gp-304	69	19	that	that	SCONJ
gp-304	69	20	risk	risk	NOUN
gp-304	69	21	perception	perception	NOUN
gp-304	69	22	significantly	significantly	ADV
gp-304	69	23	determines	determine	VERB
gp-304	69	24	the	the	DET
gp-304	69	25	extent	extent	NOUN
gp-304	69	26	to	to	PART
gp-304	69	27	which	which	PRON
gp-304	69	28	individuals	individual	NOUN
gp-304	69	29	are	be	AUX
gp-304	69	30	willing	willing	ADJ
gp-304	69	31	to	to	PART
gp-304	69	32	make	make	VERB
gp-304	69	33	investment	investment	NOUN
gp-304	69	34	decisions	decision	NOUN
gp-304	69	35	under	under	ADP
gp-304	69	36	uncertain	uncertain	ADJ
gp-304	69	37	conditions	condition	NOUN
gp-304	69	38	.	.	PUNCT
gp-304	70	1	however	however	ADV
gp-304	70	2	,	,	PUNCT
gp-304	70	3	research	research	NOUN
gp-304	70	4	results	result	NOUN
gp-304	70	5	have	have	AUX
gp-304	70	6	been	be	AUX
gp-304	70	7	mixed	mix	VERB
gp-304	70	8	,	,	PUNCT
gp-304	70	9	with	with	ADP
gp-304	70	10	some	some	DET
gp-304	70	11	studies	study	NOUN
gp-304	70	12	like	like	ADP
gp-304	70	13	sunarko	sunarko	PROPN
gp-304	70	14	and	and	CCONJ
gp-304	70	15	sutrisno	sutrisno	ADJ
gp-304	70	16	(	(	PUNCT
gp-304	70	17	2025	2025	NUM
gp-304	70	18	)	)	PUNCT
gp-304	70	19	finding	find	VERB
gp-304	70	20	no	no	DET
gp-304	70	21	significant	significant	ADJ
gp-304	70	22	relationship	relationship	NOUN
gp-304	70	23	between	between	ADP
gp-304	70	24	risk	risk	NOUN
gp-304	70	25	perception	perception	NOUN
gp-304	70	26	and	and	CCONJ
gp-304	70	27	investment	investment	NOUN
gp-304	70	28	decisions	decision	NOUN
gp-304	70	29	,	,	PUNCT
gp-304	70	30	while	while	SCONJ
gp-304	70	31	others	other	NOUN
gp-304	70	32	like	like	ADP
gp-304	70	33	makkulau	makkulau	PROPN
gp-304	70	34	et	et	PROPN
gp-304	70	35	al	al	PROPN
gp-304	70	36	.	.	PROPN
gp-304	71	1	(	(	PUNCT
gp-304	71	2	2023	2023	NUM
gp-304	71	3	)	)	PUNCT
gp-304	71	4	demonstrate	demonstrate	VERB
gp-304	71	5	positive	positive	ADJ
gp-304	71	6	and	and	CCONJ
gp-304	71	7	significant	significant	ADJ
gp-304	71	8	relationships	relationship	NOUN
gp-304	71	9	.	.	PUNCT
gp-304	72	1	self	self	NOUN
gp-304	72	2	-	-	PUNCT
gp-304	72	3	efficacy	efficacy	NOUN
gp-304	72	4	,	,	PUNCT
gp-304	72	5	defined	define	VERB
gp-304	72	6	as	as	ADP
gp-304	72	7	an	an	DET
gp-304	72	8	individual	individual	NOUN
gp-304	72	9	's	's	PART
gp-304	72	10	belief	belief	NOUN
gp-304	72	11	in	in	ADP
gp-304	72	12	their	their	PRON
gp-304	72	13	ability	ability	NOUN
gp-304	72	14	to	to	PART
gp-304	72	15	accomplish	accomplish	VERB
gp-304	72	16	specific	specific	ADJ
gp-304	72	17	tasks	task	NOUN
gp-304	72	18	,	,	PUNCT
gp-304	72	19	has	have	AUX
gp-304	72	20	emerged	emerge	VERB
gp-304	72	21	as	as	ADP
gp-304	72	22	an	an	DET
gp-304	72	23	important	important	ADJ
gp-304	72	24	psychological	psychological	ADJ
gp-304	72	25	factor	factor	NOUN
gp-304	72	26	in	in	ADP
gp-304	72	27	financial	financial	ADJ
gp-304	72	28	decision	decision	NOUN
gp-304	72	29	-	-	PUNCT
gp-304	72	30	making	making	NOUN
gp-304	72	31	.	.	PUNCT
gp-304	73	1	according	accord	VERB
gp-304	73	2	to	to	ADP
gp-304	73	3	akbar	akbar	NOUN
gp-304	73	4	and	and	CCONJ
gp-304	73	5	armansyah	armansyah	NOUN
gp-304	73	6	(	(	PUNCT
gp-304	73	7	2023	2023	NUM
gp-304	73	8	)	)	PUNCT
gp-304	73	9	,	,	PUNCT
gp-304	73	10	the	the	PRON
gp-304	73	11	higher	high	ADJ
gp-304	73	12	an	an	DET
gp-304	73	13	individual	individual	NOUN
gp-304	73	14	's	's	PART
gp-304	73	15	level	level	NOUN
gp-304	73	16	of	of	ADP
gp-304	73	17	self	self	NOUN
gp-304	73	18	-	-	PUNCT
gp-304	73	19	efficacy	efficacy	NOUN
gp-304	73	20	,	,	PUNCT
gp-304	73	21	the	the	PRON
gp-304	73	22	greater	great	ADJ
gp-304	73	23	their	their	PRON
gp-304	73	24	confidence	confidence	NOUN
gp-304	73	25	in	in	ADP
gp-304	73	26	achieving	achieve	VERB
gp-304	73	27	success	success	NOUN
gp-304	73	28	.	.	PUNCT
gp-304	74	1	research	research	NOUN
gp-304	74	2	by	by	ADP
gp-304	74	3	angraini	angraini	PROPN
gp-304	74	4	et	et	PROPN
gp-304	74	5	al	al	PROPN
gp-304	74	6	.	.	PROPN
gp-304	75	1	(	(	PUNCT
gp-304	75	2	2024	2024	NUM
gp-304	75	3	)	)	PUNCT
gp-304	75	4	shows	show	VERB
gp-304	75	5	that	that	SCONJ
gp-304	75	6	individuals	individual	NOUN
gp-304	75	7	with	with	ADP
gp-304	75	8	high	high	ADJ
gp-304	75	9	levels	level	NOUN
gp-304	75	10	of	of	ADP
gp-304	75	11	financial	financial	ADJ
gp-304	75	12	self	self	NOUN
gp-304	75	13	-	-	PUNCT
gp-304	75	14	efficacy	efficacy	NOUN
gp-304	75	15	tend	tend	VERB
gp-304	75	16	to	to	PART
gp-304	75	17	be	be	AUX
gp-304	75	18	more	more	ADV
gp-304	75	19	confident	confident	ADJ
gp-304	75	20	and	and	CCONJ
gp-304	75	21	optimistic	optimistic	ADJ
gp-304	75	22	in	in	ADP
gp-304	75	23	determining	determine	VERB
gp-304	75	24	investment	investment	NOUN
gp-304	75	25	steps	step	NOUN
gp-304	75	26	and	and	CCONJ
gp-304	75	27	more	more	ADV
gp-304	75	28	active	active	ADJ
gp-304	75	29	in	in	ADP
gp-304	75	30	managing	manage	VERB
gp-304	75	31	their	their	PRON
gp-304	75	32	portfolios	portfolio	NOUN
gp-304	75	33	.	.	PUNCT
gp-304	76	1	however	however	ADV
gp-304	76	2	,	,	PUNCT
gp-304	76	3	contrasting	contrast	VERB
gp-304	76	4	findings	finding	NOUN
gp-304	76	5	by	by	ADP
gp-304	76	6	sunarko	sunarko	PROPN
gp-304	76	7	and	and	CCONJ
gp-304	76	8	sutrisno	sutrisno	ADJ
gp-304	76	9	(	(	PUNCT
gp-304	76	10	2025	2025	NUM
gp-304	76	11	)	)	PUNCT
gp-304	76	12	suggest	suggest	VERB
gp-304	76	13	that	that	SCONJ
gp-304	76	14	financial	financial	ADJ
gp-304	76	15	self	self	NOUN
gp-304	76	16	-	-	PUNCT
gp-304	76	17	efficacy	efficacy	NOUN
gp-304	76	18	may	may	AUX
gp-304	76	19	have	have	VERB
gp-304	76	20	negative	negative	ADJ
gp-304	76	21	effects	effect	NOUN
gp-304	76	22	on	on	ADP
gp-304	76	23	american	american	ADJ
gp-304	76	24	journal	journal	PROPN
gp-304	76	25	of	of	ADP
gp-304	76	26	economic	economic	ADJ
gp-304	76	27	and	and	CCONJ
gp-304	76	28	management	management	NOUN
gp-304	76	29	business	business	NOUN
gp-304	76	30	vol	vol	NOUN
gp-304	76	31	.	.	PROPN
gp-304	77	1	4	4	NUM
gp-304	77	2	no	no	NOUN
gp-304	77	3	.	.	NOUN
gp-304	77	4	8	8	NUM
gp-304	77	5	agustus	agustus	NOUN
gp-304	77	6	2025	2025	NUM
gp-304	77	7	1392	1392	NUM
gp-304	77	8	investment	investment	NOUN
gp-304	77	9	decisions	decision	NOUN
gp-304	77	10	,	,	PUNCT
gp-304	77	11	potentially	potentially	ADV
gp-304	77	12	leading	lead	VERB
gp-304	77	13	to	to	ADP
gp-304	77	14	overconfidence	overconfidence	NOUN
gp-304	77	15	bias	bias	NOUN
gp-304	77	16	as	as	SCONJ
gp-304	77	17	described	describe	VERB
gp-304	77	18	by	by	ADP
gp-304	77	19	yundari	yundari	PROPN
gp-304	77	20	and	and	CCONJ
gp-304	77	21	artati	artati	PROPN
gp-304	77	22	(	(	PUNCT
gp-304	77	23	2021	2021	NUM
gp-304	77	24	)	)	PUNCT
gp-304	77	25	.	.	PUNCT
gp-304	78	1	gender	gender	NOUN
gp-304	78	2	differences	difference	NOUN
gp-304	78	3	in	in	ADP
gp-304	78	4	investment	investment	NOUN
gp-304	78	5	behavior	behavior	NOUN
gp-304	78	6	have	have	AUX
gp-304	78	7	been	be	AUX
gp-304	78	8	extensively	extensively	ADV
gp-304	78	9	documented	document	VERB
gp-304	78	10	in	in	ADP
gp-304	78	11	international	international	ADJ
gp-304	78	12	literature	literature	NOUN
gp-304	78	13	,	,	PUNCT
gp-304	78	14	with	with	ADP
gp-304	78	15	studies	study	NOUN
gp-304	78	16	consistently	consistently	ADV
gp-304	78	17	showing	show	VERB
gp-304	78	18	that	that	SCONJ
gp-304	78	19	men	man	NOUN
gp-304	78	20	and	and	CCONJ
gp-304	78	21	women	woman	NOUN
gp-304	78	22	approach	approach	VERB
gp-304	78	23	financial	financial	ADJ
gp-304	78	24	decision	decision	NOUN
gp-304	78	25	-	-	PUNCT
gp-304	78	26	making	make	VERB
gp-304	78	27	differently	differently	ADV
gp-304	78	28	.	.	PUNCT
gp-304	79	1	research	research	NOUN
gp-304	79	2	by	by	ADP
gp-304	79	3	aren	aren	ADV
gp-304	79	4	and	and	CCONJ
gp-304	79	5	zengin	zengin	VERB
gp-304	79	6	(	(	PUNCT
gp-304	79	7	2016	2016	NUM
gp-304	79	8	)	)	PUNCT
gp-304	79	9	identifies	identify	VERB
gp-304	79	10	gaps	gap	NOUN
gp-304	79	11	in	in	ADP
gp-304	79	12	financial	financial	ADJ
gp-304	79	13	literacy	literacy	NOUN
gp-304	79	14	levels	level	NOUN
gp-304	79	15	between	between	ADP
gp-304	79	16	men	man	NOUN
gp-304	79	17	and	and	CCONJ
gp-304	79	18	women	woman	NOUN
gp-304	79	19	,	,	PUNCT
gp-304	79	20	with	with	ADP
gp-304	79	21	men	man	NOUN
gp-304	79	22	showing	show	VERB
gp-304	79	23	better	well	ADJ
gp-304	79	24	understanding	understanding	NOUN
gp-304	79	25	,	,	PUNCT
gp-304	79	26	particularly	particularly	ADV
gp-304	79	27	in	in	ADP
gp-304	79	28	advanced	advanced	ADJ
gp-304	79	29	financial	financial	ADJ
gp-304	79	30	literacy	literacy	NOUN
gp-304	79	31	aspects	aspect	NOUN
gp-304	79	32	.	.	PUNCT
gp-304	80	1	similarly	similarly	ADV
gp-304	80	2	,	,	PUNCT
gp-304	80	3	studies	study	NOUN
gp-304	80	4	by	by	ADP
gp-304	80	5	cupak	cupak	PROPN
gp-304	80	6	et	et	PROPN
gp-304	80	7	al	al	PROPN
gp-304	80	8	.	.	PROPN
gp-304	80	9	(	(	PUNCT
gp-304	80	10	2022	2022	NUM
gp-304	80	11	)	)	PUNCT
gp-304	80	12	and	and	CCONJ
gp-304	80	13	qibthiyah	qibthiyah	NOUN
gp-304	80	14	et	et	PROPN
gp-304	80	15	al	al	PROPN
gp-304	80	16	.	.	PROPN
gp-304	81	1	(	(	PUNCT
gp-304	81	2	2024	2024	NUM
gp-304	81	3	)	)	PUNCT
gp-304	81	4	demonstrate	demonstrate	VERB
gp-304	81	5	that	that	SCONJ
gp-304	81	6	gender	gender	NOUN
gp-304	81	7	influences	influence	VERB
gp-304	81	8	investment	investment	NOUN
gp-304	81	9	behavior	behavior	NOUN
gp-304	81	10	,	,	PUNCT
gp-304	81	11	with	with	ADP
gp-304	81	12	men	man	NOUN
gp-304	81	13	generally	generally	ADV
gp-304	81	14	showing	show	VERB
gp-304	81	15	higher	high	ADJ
gp-304	81	16	levels	level	NOUN
gp-304	81	17	of	of	ADP
gp-304	81	18	financial	financial	ADJ
gp-304	81	19	understanding	understanding	NOUN
gp-304	81	20	and	and	CCONJ
gp-304	81	21	greater	great	ADJ
gp-304	81	22	willingness	willingness	NOUN
gp-304	81	23	to	to	PART
gp-304	81	24	take	take	VERB
gp-304	81	25	risks	risk	NOUN
gp-304	81	26	compared	compare	VERB
gp-304	81	27	to	to	ADP
gp-304	81	28	women	woman	NOUN
gp-304	81	29	.	.	PUNCT
gp-304	82	1	the	the	DET
gp-304	82	2	novelty	novelty	NOUN
gp-304	82	3	of	of	ADP
gp-304	82	4	this	this	DET
gp-304	82	5	research	research	NOUN
gp-304	82	6	lies	lie	VERB
gp-304	82	7	in	in	ADP
gp-304	82	8	several	several	ADJ
gp-304	82	9	key	key	ADJ
gp-304	82	10	aspects	aspect	NOUN
gp-304	82	11	that	that	PRON
gp-304	82	12	distinguish	distinguish	VERB
gp-304	82	13	it	it	PRON
gp-304	82	14	from	from	ADP
gp-304	82	15	previous	previous	ADJ
gp-304	82	16	studies	study	NOUN
gp-304	82	17	.	.	PUNCT
gp-304	83	1	first	first	ADV
gp-304	83	2	,	,	PUNCT
gp-304	83	3	while	while	SCONJ
gp-304	83	4	most	most	ADJ
gp-304	83	5	prior	prior	ADJ
gp-304	83	6	research	research	NOUN
gp-304	83	7	has	have	AUX
gp-304	83	8	been	be	AUX
gp-304	83	9	conducted	conduct	VERB
gp-304	83	10	in	in	ADP
gp-304	83	11	regions	region	NOUN
gp-304	83	12	with	with	ADP
gp-304	83	13	high	high	ADJ
gp-304	83	14	financial	financial	ADJ
gp-304	83	15	inclusion	inclusion	NOUN
gp-304	83	16	such	such	ADJ
gp-304	83	17	as	as	ADP
gp-304	83	18	java	java	PROPN
gp-304	83	19	and	and	CCONJ
gp-304	83	20	bali	bali	PROPN
gp-304	83	21	,	,	PUNCT
gp-304	83	22	this	this	DET
gp-304	83	23	study	study	NOUN
gp-304	83	24	specifically	specifically	ADV
gp-304	83	25	focuses	focus	VERB
gp-304	83	26	on	on	ADP
gp-304	83	27	maluku	maluku	PROPN
gp-304	83	28	,	,	PUNCT
gp-304	83	29	a	a	DET
gp-304	83	30	region	region	NOUN
gp-304	83	31	characterized	characterize	VERB
gp-304	83	32	by	by	ADP
gp-304	83	33	low	low	ADJ
gp-304	83	34	financial	financial	ADJ
gp-304	83	35	literacy	literacy	NOUN
gp-304	83	36	levels	level	NOUN
gp-304	83	37	and	and	CCONJ
gp-304	83	38	unique	unique	ADJ
gp-304	83	39	geographical	geographical	ADJ
gp-304	83	40	and	and	CCONJ
gp-304	83	41	cultural	cultural	ADJ
gp-304	83	42	characteristics	characteristic	NOUN
gp-304	83	43	.	.	PUNCT
gp-304	84	1	second	second	ADJ
gp-304	84	2	,	,	PUNCT
gp-304	84	3	the	the	DET
gp-304	84	4	research	research	NOUN
gp-304	84	5	employs	employ	VERB
gp-304	84	6	multi	multi	ADJ
gp-304	84	7	-	-	ADJ
gp-304	84	8	group	group	NOUN
gp-304	84	9	analysis	analysis	NOUN
gp-304	84	10	using	use	VERB
gp-304	84	11	partial	partial	ADJ
gp-304	84	12	least	least	ADJ
gp-304	84	13	squares	square	NOUN
gp-304	84	14	structural	structural	ADJ
gp-304	84	15	equation	equation	NOUN
gp-304	84	16	modeling	modeling	NOUN
gp-304	84	17	(	(	PUNCT
gp-304	84	18	plssem	plssem	NOUN
gp-304	84	19	)	)	PUNCT
gp-304	84	20	to	to	PART
gp-304	84	21	systematically	systematically	ADV
gp-304	84	22	examine	examine	VERB
gp-304	84	23	gender	gender	NOUN
gp-304	84	24	differences	difference	NOUN
gp-304	84	25	in	in	ADP
gp-304	84	26	investment	investment	NOUN
gp-304	84	27	decision	decision	NOUN
gp-304	84	28	-	-	PUNCT
gp-304	84	29	making	make	VERB
gp-304	84	30	factors	factor	NOUN
gp-304	84	31	,	,	PUNCT
gp-304	84	32	providing	provide	VERB
gp-304	84	33	more	more	ADV
gp-304	84	34	nuanced	nuanced	ADJ
gp-304	84	35	insights	insight	NOUN
gp-304	84	36	than	than	ADP
gp-304	84	37	studies	study	NOUN
gp-304	84	38	that	that	PRON
gp-304	84	39	treat	treat	VERB
gp-304	84	40	gender	gender	NOUN
gp-304	84	41	as	as	ADP
gp-304	84	42	a	a	DET
gp-304	84	43	simple	simple	ADJ
gp-304	84	44	control	control	NOUN
gp-304	84	45	variable	variable	NOUN
gp-304	84	46	.	.	PUNCT
gp-304	85	1	third	third	ADJ
gp-304	85	2	,	,	PUNCT
gp-304	85	3	the	the	DET
gp-304	85	4	study	study	NOUN
gp-304	85	5	simultaneously	simultaneously	ADV
gp-304	85	6	examines	examine	VERB
gp-304	85	7	four	four	NUM
gp-304	85	8	key	key	ADJ
gp-304	85	9	factors	factor	NOUN
gp-304	85	10	—	—	PUNCT
gp-304	85	11	financial	financial	ADJ
gp-304	85	12	literacy	literacy	NOUN
gp-304	85	13	,	,	PUNCT
gp-304	85	14	financial	financial	ADJ
gp-304	85	15	technology	technology	NOUN
gp-304	85	16	literacy	literacy	NOUN
gp-304	85	17	,	,	PUNCT
gp-304	85	18	risk	risk	NOUN
gp-304	85	19	perception	perception	NOUN
gp-304	85	20	,	,	PUNCT
gp-304	85	21	and	and	CCONJ
gp-304	85	22	self	self	NOUN
gp-304	85	23	-	-	PUNCT
gp-304	85	24	efficacy	efficacy	NOUN
gp-304	85	25	—	—	PUNCT
gp-304	85	26	in	in	ADP
gp-304	85	27	their	their	PRON
gp-304	85	28	influence	influence	NOUN
gp-304	85	29	on	on	ADP
gp-304	85	30	investment	investment	NOUN
gp-304	85	31	decisions	decision	NOUN
gp-304	85	32	,	,	PUNCT
gp-304	85	33	providing	provide	VERB
gp-304	85	34	a	a	DET
gp-304	85	35	more	more	ADV
gp-304	85	36	comprehensive	comprehensive	ADJ
gp-304	85	37	understanding	understanding	NOUN
gp-304	85	38	of	of	ADP
gp-304	85	39	the	the	DET
gp-304	85	40	decision	decision	NOUN
gp-304	85	41	-	-	PUNCT
gp-304	85	42	making	make	VERB
gp-304	85	43	process	process	NOUN
gp-304	85	44	.	.	PUNCT
gp-304	86	1	the	the	DET
gp-304	86	2	primary	primary	ADJ
gp-304	86	3	objective	objective	NOUN
gp-304	86	4	of	of	ADP
gp-304	86	5	this	this	DET
gp-304	86	6	research	research	NOUN
gp-304	86	7	is	be	AUX
gp-304	86	8	to	to	PART
gp-304	86	9	analyze	analyze	VERB
gp-304	86	10	the	the	DET
gp-304	86	11	influence	influence	NOUN
gp-304	86	12	of	of	ADP
gp-304	86	13	financial	financial	ADJ
gp-304	86	14	literacy	literacy	NOUN
gp-304	86	15	,	,	PUNCT
gp-304	86	16	financial	financial	ADJ
gp-304	86	17	technology	technology	NOUN
gp-304	86	18	literacy	literacy	NOUN
gp-304	86	19	,	,	PUNCT
gp-304	86	20	risk	risk	NOUN
gp-304	86	21	perception	perception	NOUN
gp-304	86	22	,	,	PUNCT
gp-304	86	23	and	and	CCONJ
gp-304	86	24	self	self	NOUN
gp-304	86	25	-	-	PUNCT
gp-304	86	26	efficacy	efficacy	NOUN
gp-304	86	27	on	on	ADP
gp-304	86	28	investment	investment	NOUN
gp-304	86	29	decisions	decision	NOUN
gp-304	86	30	among	among	ADP
gp-304	86	31	capital	capital	NOUN
gp-304	86	32	market	market	NOUN
gp-304	86	33	investors	investor	NOUN
gp-304	86	34	in	in	ADP
gp-304	86	35	maluku	maluku	PROPN
gp-304	86	36	,	,	PUNCT
gp-304	86	37	with	with	ADP
gp-304	86	38	particular	particular	ADJ
gp-304	86	39	attention	attention	NOUN
gp-304	86	40	to	to	ADP
gp-304	86	41	gender	gender	NOUN
gp-304	86	42	differences	difference	NOUN
gp-304	86	43	through	through	ADP
gp-304	86	44	multigroup	multigroup	ADJ
gp-304	86	45	analysis	analysis	NOUN
gp-304	86	46	.	.	PUNCT
gp-304	87	1	specifically	specifically	ADV
gp-304	87	2	,	,	PUNCT
gp-304	87	3	the	the	DET
gp-304	87	4	study	study	NOUN
gp-304	87	5	aims	aim	VERB
gp-304	87	6	to	to	PART
gp-304	87	7	determine	determine	VERB
gp-304	87	8	the	the	DET
gp-304	87	9	partial	partial	ADJ
gp-304	87	10	and	and	CCONJ
gp-304	87	11	simultaneous	simultaneous	ADJ
gp-304	87	12	effects	effect	NOUN
gp-304	87	13	of	of	ADP
gp-304	87	14	these	these	DET
gp-304	87	15	variables	variable	NOUN
gp-304	87	16	on	on	ADP
gp-304	87	17	investment	investment	NOUN
gp-304	87	18	decisions	decision	NOUN
gp-304	87	19	for	for	ADP
gp-304	87	20	the	the	DET
gp-304	87	21	overall	overall	ADJ
gp-304	87	22	sample	sample	NOUN
gp-304	87	23	and	and	CCONJ
gp-304	87	24	for	for	ADP
gp-304	87	25	male	male	ADJ
gp-304	87	26	and	and	CCONJ
gp-304	87	27	female	female	ADJ
gp-304	87	28	subgroups	subgroup	NOUN
gp-304	87	29	separately	separately	ADV
gp-304	87	30	,	,	PUNCT
gp-304	87	31	as	as	ADV
gp-304	87	32	well	well	ADV
gp-304	87	33	as	as	ADP
gp-304	87	34	to	to	PART
gp-304	87	35	identify	identify	VERB
gp-304	87	36	significant	significant	ADJ
gp-304	87	37	differences	difference	NOUN
gp-304	87	38	in	in	ADP
gp-304	87	39	these	these	DET
gp-304	87	40	relationships	relationship	NOUN
gp-304	87	41	between	between	ADP
gp-304	87	42	gender	gender	NOUN
gp-304	87	43	groups	group	NOUN
gp-304	87	44	.	.	PUNCT
gp-304	88	1	the	the	DET
gp-304	88	2	potential	potential	ADJ
gp-304	88	3	benefits	benefit	NOUN
gp-304	88	4	and	and	CCONJ
gp-304	88	5	implications	implication	NOUN
gp-304	88	6	of	of	ADP
gp-304	88	7	this	this	DET
gp-304	88	8	research	research	NOUN
gp-304	88	9	extend	extend	VERB
gp-304	88	10	across	across	ADP
gp-304	88	11	multiple	multiple	ADJ
gp-304	88	12	stakeholder	stakeholder	NOUN
gp-304	88	13	groups	group	NOUN
gp-304	88	14	.	.	PUNCT
gp-304	89	1	for	for	ADP
gp-304	89	2	academic	academic	ADJ
gp-304	89	3	researchers	researcher	NOUN
gp-304	89	4	,	,	PUNCT
gp-304	89	5	the	the	DET
gp-304	89	6	study	study	NOUN
gp-304	89	7	contributes	contribute	VERB
gp-304	89	8	to	to	ADP
gp-304	89	9	the	the	DET
gp-304	89	10	growing	grow	VERB
gp-304	89	11	body	body	NOUN
gp-304	89	12	of	of	ADP
gp-304	89	13	literature	literature	NOUN
gp-304	89	14	on	on	ADP
gp-304	89	15	behavioral	behavioral	ADJ
gp-304	89	16	finance	finance	NOUN
gp-304	89	17	and	and	CCONJ
gp-304	89	18	investment	investment	NOUN
gp-304	89	19	decision	decision	NOUN
gp-304	89	20	-	-	PUNCT
gp-304	89	21	making	making	NOUN
gp-304	89	22	in	in	ADP
gp-304	89	23	emerging	emerge	VERB
gp-304	89	24	market	market	NOUN
gp-304	89	25	contexts	contexts	NOUN
gp-304	89	26	,	,	PUNCT
gp-304	89	27	particularly	particularly	ADV
gp-304	89	28	regarding	regard	VERB
gp-304	89	29	gender	gender	NOUN
gp-304	89	30	differences	difference	NOUN
gp-304	89	31	and	and	CCONJ
gp-304	89	32	regional	regional	ADJ
gp-304	89	33	variations	variation	NOUN
gp-304	89	34	.	.	PUNCT
gp-304	90	1	the	the	DET
gp-304	90	2	methodological	methodological	ADJ
gp-304	90	3	approach	approach	NOUN
gp-304	90	4	using	use	VERB
gp-304	90	5	multigroup	multigroup	ADJ
gp-304	90	6	analysis	analysis	NOUN
gp-304	90	7	provides	provide	VERB
gp-304	90	8	a	a	DET
gp-304	90	9	template	template	NOUN
gp-304	90	10	for	for	ADP
gp-304	90	11	future	future	ADJ
gp-304	90	12	research	research	NOUN
gp-304	90	13	examining	examine	VERB
gp-304	90	14	demographic	demographic	ADJ
gp-304	90	15	differences	difference	NOUN
gp-304	90	16	in	in	ADP
gp-304	90	17	financial	financial	ADJ
gp-304	90	18	behavior	behavior	NOUN
gp-304	90	19	.	.	PUNCT
gp-304	91	1	for	for	ADP
gp-304	91	2	policymakers	policymaker	NOUN
gp-304	91	3	and	and	CCONJ
gp-304	91	4	regulators	regulator	NOUN
gp-304	91	5	,	,	PUNCT
gp-304	91	6	particularly	particularly	ADV
gp-304	91	7	the	the	DET
gp-304	91	8	financial	financial	ADJ
gp-304	91	9	services	service	NOUN
gp-304	91	10	authority	authority	NOUN
gp-304	91	11	(	(	PUNCT
gp-304	91	12	otoritas	otoritas	PROPN
gp-304	91	13	jasa	jasa	PROPN
gp-304	91	14	keuangan	keuangan	PROPN
gp-304	91	15	ojk	ojk	PROPN
gp-304	91	16	)	)	PUNCT
gp-304	91	17	,	,	PUNCT
gp-304	91	18	the	the	DET
gp-304	91	19	findings	finding	NOUN
gp-304	91	20	offer	offer	VERB
gp-304	91	21	evidence	evidence	NOUN
gp-304	91	22	-	-	PUNCT
gp-304	91	23	based	base	VERB
gp-304	91	24	insights	insight	NOUN
gp-304	91	25	for	for	ADP
gp-304	91	26	designing	design	VERB
gp-304	91	27	more	more	ADV
gp-304	91	28	effective	effective	ADJ
gp-304	91	29	and	and	CCONJ
gp-304	91	30	inclusive	inclusive	ADJ
gp-304	91	31	financial	financial	ADJ
gp-304	91	32	literacy	literacy	NOUN
gp-304	91	33	programs	program	NOUN
gp-304	91	34	that	that	PRON
gp-304	91	35	account	account	VERB
gp-304	91	36	for	for	ADP
gp-304	91	37	gender	gender	NOUN
gp-304	91	38	differences	difference	NOUN
gp-304	91	39	and	and	CCONJ
gp-304	91	40	regional	regional	ADJ
gp-304	91	41	characteristics	characteristic	NOUN
gp-304	91	42	.	.	PUNCT
gp-304	92	1	for	for	ADP
gp-304	92	2	financial	financial	ADJ
gp-304	92	3	institutions	institution	NOUN
gp-304	92	4	and	and	CCONJ
gp-304	92	5	capital	capital	NOUN
gp-304	92	6	market	market	NOUN
gp-304	92	7	intermediaries	intermediary	NOUN
gp-304	92	8	,	,	PUNCT
gp-304	92	9	the	the	DET
gp-304	92	10	research	research	NOUN
gp-304	92	11	provides	provide	VERB
gp-304	92	12	guidance	guidance	NOUN
gp-304	92	13	for	for	ADP
gp-304	92	14	developing	develop	VERB
gp-304	92	15	targeted	target	VERB
gp-304	92	16	products	product	NOUN
gp-304	92	17	and	and	CCONJ
gp-304	92	18	services	service	NOUN
gp-304	92	19	that	that	PRON
gp-304	92	20	meet	meet	VERB
gp-304	92	21	the	the	DET
gp-304	92	22	specific	specific	ADJ
gp-304	92	23	needs	need	NOUN
gp-304	92	24	and	and	CCONJ
gp-304	92	25	preferences	preference	NOUN
gp-304	92	26	of	of	ADP
gp-304	92	27	different	different	ADJ
gp-304	92	28	demographic	demographic	ADJ
gp-304	92	29	groups	group	NOUN
gp-304	92	30	.	.	PUNCT
gp-304	93	1	finally	finally	ADV
gp-304	93	2	,	,	PUNCT
gp-304	93	3	for	for	ADP
gp-304	93	4	individual	individual	ADJ
gp-304	93	5	investors	investor	NOUN
gp-304	93	6	,	,	PUNCT
gp-304	93	7	the	the	DET
gp-304	93	8	study	study	NOUN
gp-304	93	9	offers	offer	VERB
gp-304	93	10	insights	insight	NOUN
gp-304	93	11	into	into	ADP
gp-304	93	12	the	the	DET
gp-304	93	13	factors	factor	NOUN
gp-304	93	14	that	that	PRON
gp-304	93	15	influence	influence	VERB
gp-304	93	16	investment	investment	NOUN
gp-304	93	17	decision	decision	NOUN
gp-304	93	18	-	-	PUNCT
gp-304	93	19	making	making	NOUN
gp-304	93	20	,	,	PUNCT
gp-304	93	21	potentially	potentially	ADV
gp-304	93	22	helping	help	VERB
gp-304	93	23	them	they	PRON
gp-304	93	24	make	make	VERB
gp-304	93	25	more	more	ADV
gp-304	93	26	informed	informed	ADJ
gp-304	93	27	and	and	CCONJ
gp-304	93	28	rational	rational	ADJ
gp-304	93	29	investment	investment	NOUN
gp-304	93	30	choices	choice	NOUN
gp-304	93	31	.	.	PUNCT
gp-304	94	1	american	american	ADJ
gp-304	94	2	journal	journal	PROPN
gp-304	94	3	of	of	ADP
gp-304	94	4	economic	economic	ADJ
gp-304	94	5	and	and	CCONJ
gp-304	94	6	management	management	NOUN
gp-304	94	7	business	business	NOUN
gp-304	94	8	vol	vol	NOUN
gp-304	94	9	.	.	PROPN
gp-304	95	1	4	4	NUM
gp-304	95	2	no	no	NOUN
gp-304	95	3	.	.	NOUN
gp-304	95	4	8	8	NUM
gp-304	95	5	agustus	agustus	NOUN
gp-304	95	6	2025	2025	NUM
gp-304	95	7	1393	1393	NUM
gp-304	95	8	method	method	NOUN
gp-304	95	9	this	this	DET
gp-304	95	10	research	research	NOUN
gp-304	95	11	employed	employ	VERB
gp-304	95	12	a	a	DET
gp-304	95	13	descriptive	descriptive	ADJ
gp-304	95	14	-	-	PUNCT
gp-304	95	15	verificative	verificative	ADJ
gp-304	95	16	approach	approach	NOUN
gp-304	95	17	with	with	ADP
gp-304	95	18	a	a	DET
gp-304	95	19	quantitative	quantitative	ADJ
gp-304	95	20	methodology	methodology	NOUN
gp-304	95	21	using	use	VERB
gp-304	95	22	a	a	DET
gp-304	95	23	survey	survey	NOUN
gp-304	95	24	strategy	strategy	NOUN
gp-304	95	25	through	through	ADP
gp-304	95	26	questionnaires	questionnaire	NOUN
gp-304	95	27	.	.	PUNCT
gp-304	96	1	the	the	DET
gp-304	96	2	population	population	NOUN
gp-304	96	3	studied	study	VERB
gp-304	96	4	was	be	AUX
gp-304	96	5	capital	capital	NOUN
gp-304	96	6	market	market	NOUN
gp-304	96	7	investors	investor	NOUN
gp-304	96	8	domiciled	domicile	VERB
gp-304	96	9	in	in	ADP
gp-304	96	10	maluku	maluku	PROPN
gp-304	96	11	province	province	PROPN
gp-304	96	12	,	,	PUNCT
gp-304	96	13	totaling	total	VERB
gp-304	96	14	52,000	52,000	NUM
gp-304	96	15	people	people	NOUN
gp-304	96	16	as	as	ADP
gp-304	96	17	of	of	ADP
gp-304	96	18	2024	2024	NUM
gp-304	96	19	.	.	PUNCT
gp-304	97	1	sample	sample	NOUN
gp-304	97	2	selection	selection	NOUN
gp-304	97	3	was	be	AUX
gp-304	97	4	conducted	conduct	VERB
gp-304	97	5	using	use	VERB
gp-304	97	6	the	the	DET
gp-304	97	7	purposive	purposive	ADJ
gp-304	97	8	sampling	sampling	NOUN
gp-304	97	9	method	method	NOUN
gp-304	97	10	with	with	ADP
gp-304	97	11	specific	specific	ADJ
gp-304	97	12	criteria	criterion	NOUN
gp-304	97	13	:	:	PUNCT
gp-304	97	14	active	active	ADJ
gp-304	97	15	capital	capital	NOUN
gp-304	97	16	market	market	NOUN
gp-304	97	17	investors	investor	NOUN
gp-304	97	18	domiciled	domicile	VERB
gp-304	97	19	in	in	ADP
gp-304	97	20	maluku	maluku	PROPN
gp-304	97	21	who	who	PRON
gp-304	97	22	have	have	AUX
gp-304	97	23	been	be	AUX
gp-304	97	24	investing	invest	VERB
gp-304	97	25	in	in	ADP
gp-304	97	26	capital	capital	NOUN
gp-304	97	27	markets	market	NOUN
gp-304	97	28	for	for	ADP
gp-304	97	29	at	at	ADV
gp-304	97	30	least	least	ADV
gp-304	97	31	6	6	NUM
gp-304	97	32	months	month	NOUN
gp-304	97	33	to	to	ADP
gp-304	97	34	1	1	NUM
gp-304	97	35	year	year	NOUN
gp-304	97	36	.	.	PUNCT
gp-304	98	1	the	the	DET
gp-304	98	2	sample	sample	NOUN
gp-304	98	3	size	size	NOUN
gp-304	98	4	was	be	AUX
gp-304	98	5	calculated	calculate	VERB
gp-304	98	6	using	use	VERB
gp-304	98	7	cochran	cochran	NOUN
gp-304	98	8	's	's	PART
gp-304	98	9	formula	formula	NOUN
gp-304	98	10	with	with	ADP
gp-304	98	11	a	a	DET
gp-304	98	12	95	95	NUM
gp-304	98	13	%	%	NOUN
gp-304	98	14	confidence	confidence	NOUN
gp-304	98	15	level	level	NOUN
gp-304	98	16	and	and	CCONJ
gp-304	98	17	5	5	NUM
gp-304	98	18	%	%	NOUN
gp-304	98	19	margin	margin	NOUN
gp-304	98	20	of	of	ADP
gp-304	98	21	error	error	NOUN
gp-304	98	22	,	,	PUNCT
gp-304	98	23	resulting	result	VERB
gp-304	98	24	in	in	ADP
gp-304	98	25	400	400	NUM
gp-304	98	26	respondents	respondent	NOUN
gp-304	98	27	.	.	PUNCT
gp-304	99	1	the	the	DET
gp-304	99	2	distribution	distribution	NOUN
gp-304	99	3	of	of	ADP
gp-304	99	4	male	male	ADJ
gp-304	99	5	and	and	CCONJ
gp-304	99	6	female	female	ADJ
gp-304	99	7	respondents	respondent	NOUN
gp-304	99	8	was	be	AUX
gp-304	99	9	adjusted	adjust	VERB
gp-304	99	10	to	to	ADP
gp-304	99	11	the	the	DET
gp-304	99	12	proportion	proportion	NOUN
gp-304	99	13	of	of	ADP
gp-304	99	14	capital	capital	NOUN
gp-304	99	15	market	market	NOUN
gp-304	99	16	investors	investor	NOUN
gp-304	99	17	recorded	record	VERB
gp-304	99	18	in	in	ADP
gp-304	99	19	maluku	maluku	PROPN
gp-304	99	20	,	,	PUNCT
gp-304	99	21	consisting	consist	VERB
gp-304	99	22	of	of	ADP
gp-304	99	23	228	228	NUM
gp-304	99	24	male	male	ADJ
gp-304	99	25	respondents	respondent	NOUN
gp-304	99	26	(	(	PUNCT
gp-304	99	27	57	57	NUM
gp-304	99	28	%	%	NOUN
gp-304	99	29	)	)	PUNCT
gp-304	99	30	and	and	CCONJ
gp-304	99	31	172	172	NUM
gp-304	99	32	female	female	ADJ
gp-304	99	33	respondents	respondent	NOUN
gp-304	99	34	(	(	PUNCT
gp-304	99	35	43	43	NUM
gp-304	99	36	%	%	NOUN
gp-304	99	37	)	)	PUNCT
gp-304	99	38	.	.	PUNCT
gp-304	100	1	data	datum	NOUN
gp-304	100	2	collection	collection	NOUN
gp-304	100	3	was	be	AUX
gp-304	100	4	conducted	conduct	VERB
gp-304	100	5	through	through	ADP
gp-304	100	6	online	online	ADJ
gp-304	100	7	questionnaires	questionnaire	NOUN
gp-304	100	8	using	use	VERB
gp-304	100	9	a	a	DET
gp-304	100	10	5	5	NUM
gp-304	100	11	-	-	PUNCT
gp-304	100	12	point	point	NOUN
gp-304	100	13	likert	likert	ADJ
gp-304	100	14	scale	scale	NOUN
gp-304	100	15	to	to	PART
gp-304	100	16	measure	measure	VERB
gp-304	100	17	five	five	NUM
gp-304	100	18	main	main	ADJ
gp-304	100	19	variables	variable	NOUN
gp-304	100	20	:	:	PUNCT
gp-304	100	21	financial	financial	ADJ
gp-304	100	22	literacy	literacy	NOUN
gp-304	100	23	(	(	PUNCT
gp-304	100	24	6	6	NUM
gp-304	100	25	indicators	indicator	NOUN
gp-304	100	26	)	)	PUNCT
gp-304	100	27	,	,	PUNCT
gp-304	100	28	financial	financial	ADJ
gp-304	100	29	technology	technology	NOUN
gp-304	100	30	literacy	literacy	NOUN
gp-304	100	31	(	(	PUNCT
gp-304	100	32	5	5	NUM
gp-304	100	33	indicators	indicator	NOUN
gp-304	100	34	)	)	PUNCT
gp-304	100	35	,	,	PUNCT
gp-304	100	36	risk	risk	NOUN
gp-304	100	37	perception	perception	NOUN
gp-304	100	38	(	(	PUNCT
gp-304	100	39	5	5	NUM
gp-304	100	40	indicators	indicator	NOUN
gp-304	100	41	)	)	PUNCT
gp-304	100	42	,	,	PUNCT
gp-304	100	43	self	self	NOUN
gp-304	100	44	-	-	PUNCT
gp-304	100	45	efficacy	efficacy	NOUN
gp-304	100	46	(	(	PUNCT
gp-304	100	47	5	5	NUM
gp-304	100	48	indicators	indicator	NOUN
gp-304	100	49	)	)	PUNCT
gp-304	100	50	,	,	PUNCT
gp-304	100	51	and	and	CCONJ
gp-304	100	52	investment	investment	NOUN
gp-304	100	53	decisions	decision	NOUN
gp-304	100	54	(	(	PUNCT
gp-304	100	55	6	6	NUM
gp-304	100	56	indicators	indicator	NOUN
gp-304	100	57	)	)	PUNCT
gp-304	100	58	.	.	PUNCT
gp-304	101	1	before	before	ADP
gp-304	101	2	the	the	DET
gp-304	101	3	main	main	ADJ
gp-304	101	4	analysis	analysis	NOUN
gp-304	101	5	,	,	PUNCT
gp-304	101	6	data	datum	NOUN
gp-304	101	7	were	be	AUX
gp-304	101	8	tested	test	VERB
gp-304	101	9	for	for	ADP
gp-304	101	10	validity	validity	NOUN
gp-304	101	11	and	and	CCONJ
gp-304	101	12	reliability	reliability	NOUN
gp-304	101	13	to	to	PART
gp-304	101	14	ensure	ensure	VERB
gp-304	101	15	measurement	measurement	NOUN
gp-304	101	16	accuracy	accuracy	NOUN
gp-304	101	17	.	.	PUNCT
gp-304	102	1	data	datum	NOUN
gp-304	102	2	analysis	analysis	NOUN
gp-304	102	3	utilized	utilize	VERB
gp-304	102	4	partial	partial	ADJ
gp-304	102	5	least	least	ADJ
gp-304	102	6	squares	square	VERB
gp-304	102	7	structural	structural	ADJ
gp-304	102	8	equation	equation	NOUN
gp-304	102	9	modeling	modeling	NOUN
gp-304	102	10	(	(	PUNCT
gp-304	102	11	pls	pls	INTJ
gp-304	102	12	-	-	PUNCT
gp-304	102	13	sem	sem	NOUN
gp-304	102	14	)	)	PUNCT
gp-304	102	15	with	with	ADP
gp-304	102	16	smartpls	smartpls	NOUN
gp-304	102	17	4	4	NUM
gp-304	102	18	software	software	NOUN
gp-304	102	19	to	to	PART
gp-304	102	20	test	test	VERB
gp-304	102	21	relationships	relationship	NOUN
gp-304	102	22	between	between	ADP
gp-304	102	23	latent	latent	NOUN
gp-304	102	24	constructs	construct	NOUN
gp-304	102	25	.	.	PUNCT
gp-304	103	1	additionally	additionally	ADV
gp-304	103	2	,	,	PUNCT
gp-304	103	3	partial	partial	ADJ
gp-304	103	4	least	least	ADJ
gp-304	103	5	squares	square	NOUN
gp-304	103	6	multi	multi	ADJ
gp-304	103	7	-	-	ADJ
gp-304	103	8	group	group	ADJ
gp-304	103	9	analysis	analysis	NOUN
gp-304	103	10	(	(	PUNCT
gp-304	103	11	pls	pls	INTJ
gp-304	103	12	-	-	PUNCT
gp-304	103	13	mga	mga	PROPN
gp-304	103	14	)	)	PUNCT
gp-304	103	15	was	be	AUX
gp-304	103	16	used	use	VERB
gp-304	103	17	to	to	PART
gp-304	103	18	evaluate	evaluate	VERB
gp-304	103	19	differences	difference	NOUN
gp-304	103	20	in	in	ADP
gp-304	103	21	variable	variable	ADJ
gp-304	103	22	influences	influence	NOUN
gp-304	103	23	based	base	VERB
gp-304	103	24	on	on	ADP
gp-304	103	25	gender	gender	NOUN
gp-304	103	26	.	.	PUNCT
gp-304	104	1	the	the	DET
gp-304	104	2	analysis	analysis	NOUN
gp-304	104	3	included	include	VERB
gp-304	104	4	outer	outer	ADJ
gp-304	104	5	model	model	NOUN
gp-304	104	6	evaluation	evaluation	NOUN
gp-304	104	7	(	(	PUNCT
gp-304	104	8	convergent	convergent	NOUN
gp-304	104	9	validity	validity	NOUN
gp-304	104	10	,	,	PUNCT
gp-304	104	11	discriminant	discriminant	ADJ
gp-304	104	12	validity	validity	NOUN
gp-304	104	13	,	,	PUNCT
gp-304	104	14	composite	composite	ADJ
gp-304	104	15	reliability	reliability	NOUN
gp-304	104	16	)	)	PUNCT
gp-304	104	17	,	,	PUNCT
gp-304	104	18	inner	inner	ADJ
gp-304	104	19	model	model	NOUN
gp-304	104	20	evaluation	evaluation	NOUN
gp-304	104	21	(	(	PUNCT
gp-304	104	22	r²	r²	NOUN
gp-304	104	23	,	,	PUNCT
gp-304	104	24	predictive	predictive	ADJ
gp-304	104	25	relevance	relevance	NOUN
gp-304	104	26	,	,	PUNCT
gp-304	104	27	effect	effect	NOUN
gp-304	104	28	size	size	NOUN
gp-304	104	29	)	)	PUNCT
gp-304	104	30	,	,	PUNCT
gp-304	104	31	and	and	CCONJ
gp-304	104	32	hypothesis	hypothesis	NOUN
gp-304	104	33	testing	test	VERB
gp-304	104	34	through	through	ADP
gp-304	104	35	t	t	PROPN
gp-304	104	36	-	-	PUNCT
gp-304	104	37	statistics	statistic	NOUN
gp-304	104	38	and	and	CCONJ
gp-304	104	39	f	f	X
gp-304	104	40	-	-	PUNCT
gp-304	104	41	statistics	statistics	PROPN
gp-304	104	42	.	.	PUNCT
gp-304	105	1	result	result	NOUN
gp-304	105	2	and	and	CCONJ
gp-304	105	3	discussion	discussion	NOUN
gp-304	105	4	respondent	respondent	NOUN
gp-304	105	5	characteristics	characteristic	NOUN
gp-304	105	6	the	the	DET
gp-304	105	7	research	research	NOUN
gp-304	105	8	respondents	respondent	NOUN
gp-304	105	9	consisted	consist	VERB
gp-304	105	10	of	of	ADP
gp-304	105	11	400	400	NUM
gp-304	105	12	capital	capital	NOUN
gp-304	105	13	market	market	NOUN
gp-304	105	14	investors	investor	NOUN
gp-304	105	15	in	in	ADP
gp-304	105	16	maluku	maluku	PROPN
gp-304	105	17	,	,	PUNCT
gp-304	105	18	strategically	strategically	ADV
gp-304	105	19	distributed	distribute	VERB
gp-304	105	20	to	to	PART
gp-304	105	21	reflect	reflect	VERB
gp-304	105	22	the	the	DET
gp-304	105	23	actual	actual	ADJ
gp-304	105	24	gender	gender	NOUN
gp-304	105	25	composition	composition	NOUN
gp-304	105	26	of	of	ADP
gp-304	105	27	investors	investor	NOUN
gp-304	105	28	in	in	ADP
gp-304	105	29	the	the	DET
gp-304	105	30	region	region	NOUN
gp-304	105	31	.	.	PUNCT
gp-304	106	1	the	the	DET
gp-304	106	2	sample	sample	NOUN
gp-304	106	3	comprised	comprise	VERB
gp-304	106	4	228	228	NUM
gp-304	106	5	male	male	ADJ
gp-304	106	6	investors	investor	NOUN
gp-304	106	7	(	(	PUNCT
gp-304	106	8	57	57	NUM
gp-304	106	9	%	%	NOUN
gp-304	106	10	)	)	PUNCT
gp-304	106	11	and	and	CCONJ
gp-304	106	12	172	172	NUM
gp-304	106	13	female	female	ADJ
gp-304	106	14	investors	investor	NOUN
gp-304	106	15	(	(	PUNCT
gp-304	106	16	43	43	NUM
gp-304	106	17	%	%	NOUN
gp-304	106	18	)	)	PUNCT
gp-304	106	19	,	,	PUNCT
gp-304	106	20	mirroring	mirror	VERB
gp-304	106	21	the	the	DET
gp-304	106	22	gender	gender	NOUN
gp-304	106	23	distribution	distribution	NOUN
gp-304	106	24	reported	report	VERB
gp-304	106	25	by	by	ADP
gp-304	106	26	ksei	ksei	NOUN
gp-304	106	27	for	for	ADP
gp-304	106	28	maluku	maluku	PROPN
gp-304	106	29	province	province	PROPN
gp-304	106	30	.	.	PUNCT
gp-304	107	1	this	this	DET
gp-304	107	2	demographic	demographic	ADJ
gp-304	107	3	alignment	alignment	NOUN
gp-304	107	4	ensures	ensure	VERB
gp-304	107	5	that	that	SCONJ
gp-304	107	6	the	the	DET
gp-304	107	7	research	research	NOUN
gp-304	107	8	findings	finding	NOUN
gp-304	107	9	accurately	accurately	ADV
gp-304	107	10	represent	represent	VERB
gp-304	107	11	the	the	DET
gp-304	107	12	investment	investment	NOUN
gp-304	107	13	behavior	behavior	NOUN
gp-304	107	14	patterns	pattern	NOUN
gp-304	107	15	in	in	ADP
gp-304	107	16	the	the	DET
gp-304	107	17	region	region	NOUN
gp-304	107	18	.	.	PUNCT
gp-304	108	1	table	table	NOUN
gp-304	108	2	1	1	NUM
gp-304	108	3	.	.	X
gp-304	109	1	respondent	respondent	NOUN
gp-304	109	2	demographics	demographic	NOUN
gp-304	109	3	characteristic	characteristic	ADJ
gp-304	109	4	category	category	NOUN
gp-304	109	5	frequency	frequency	NOUN
gp-304	109	6	percentage	percentage	NOUN
gp-304	109	7	gender	gender	NOUN
gp-304	109	8	male	male	NOUN
gp-304	109	9	228	228	NUM
gp-304	109	10	57.0	57.0	NUM
gp-304	109	11	%	%	NOUN
gp-304	109	12	female	female	ADJ
gp-304	109	13	172	172	NUM
gp-304	109	14	43.0	43.0	NUM
gp-304	109	15	%	%	NOUN
gp-304	109	16	age	age	NOUN
gp-304	109	17	<	<	X
gp-304	109	18	30	30	NUM
gp-304	109	19	years	year	NOUN
gp-304	109	20	237	237	NUM
gp-304	109	21	59.3	59.3	NUM
gp-304	109	22	%	%	NOUN
gp-304	109	23	31	31	NUM
gp-304	109	24	-	-	SYM
gp-304	109	25	40	40	NUM
gp-304	109	26	years	year	NOUN
gp-304	109	27	122	122	NUM
gp-304	109	28	30.5	30.5	NUM
gp-304	109	29	%	%	NOUN
gp-304	109	30	41	41	NUM
gp-304	109	31	-	-	SYM
gp-304	109	32	50	50	NUM
gp-304	109	33	years	year	NOUN
gp-304	109	34	31	31	NUM
gp-304	109	35	7.8	7.8	NUM
gp-304	109	36	%	%	NOUN
gp-304	109	37	51	51	NUM
gp-304	109	38	-	-	SYM
gp-304	109	39	60	60	NUM
gp-304	109	40	years	year	NOUN
gp-304	109	41	9	9	NUM
gp-304	109	42	2.3	2.3	NUM
gp-304	109	43	%	%	NOUN
gp-304	109	44	>	>	SYM
gp-304	109	45	60	60	NUM
gp-304	109	46	years	year	NOUN
gp-304	109	47	1	1	NUM
gp-304	109	48	0.3	0.3	NUM
gp-304	109	49	%	%	NOUN
gp-304	109	50	occupation	occupation	NOUN
gp-304	109	51	student	student	NOUN
gp-304	109	52	149	149	NUM
gp-304	109	53	37.3	37.3	NUM
gp-304	109	54	%	%	NOUN
gp-304	109	55	american	american	ADJ
gp-304	109	56	journal	journal	PROPN
gp-304	109	57	of	of	ADP
gp-304	109	58	economic	economic	ADJ
gp-304	109	59	and	and	CCONJ
gp-304	109	60	management	management	NOUN
gp-304	109	61	business	business	NOUN
gp-304	109	62	vol	vol	NOUN
gp-304	109	63	.	.	PROPN
gp-304	109	64	4	4	NUM
gp-304	109	65	no	no	NOUN
gp-304	109	66	.	.	NOUN
gp-304	109	67	8	8	NUM
gp-304	109	68	agustus	agustus	NOUN
gp-304	109	69	2025	2025	NUM
gp-304	109	70	1394	1394	NUM
gp-304	109	71	characteristic	characteristic	ADJ
gp-304	109	72	category	category	NOUN
gp-304	109	73	frequency	frequency	NOUN
gp-304	109	74	percentage	percentage	NOUN
gp-304	109	75	civil	civil	ADJ
gp-304	109	76	servant	servant	NOUN
gp-304	109	77	109	109	NUM
gp-304	109	78	27.3	27.3	NUM
gp-304	109	79	%	%	NOUN
gp-304	109	80	private	private	ADJ
gp-304	109	81	employee	employee	NOUN
gp-304	109	82	90	90	NUM
gp-304	109	83	22.5	22.5	NUM
gp-304	109	84	%	%	NOUN
gp-304	109	85	entrepreneur	entrepreneur	NOUN
gp-304	109	86	35	35	NUM
gp-304	109	87	8.8	8.8	NUM
gp-304	109	88	%	%	NOUN
gp-304	109	89	full	full	ADJ
gp-304	109	90	trader	trader	NOUN
gp-304	109	91	/	/	SYM
gp-304	109	92	investor	investor	NOUN
gp-304	109	93	3	3	NUM
gp-304	109	94	0.8	0.8	NUM
gp-304	109	95	%	%	NOUN
gp-304	109	96	others	other	NOUN
gp-304	109	97	14	14	NUM
gp-304	109	98	3.5	3.5	NUM
gp-304	109	99	%	%	NOUN
gp-304	109	100	education	education	NOUN
gp-304	109	101	high	high	ADJ
gp-304	109	102	school	school	NOUN
gp-304	109	103	/	/	SYM
gp-304	109	104	vocational	vocational	ADJ
gp-304	109	105	135	135	NUM
gp-304	109	106	33.8	33.8	NUM
gp-304	109	107	%	%	NOUN
gp-304	109	108	diploma	diploma	NOUN
gp-304	109	109	28	28	NUM
gp-304	109	110	7.0	7.0	NUM
gp-304	109	111	%	%	NOUN
gp-304	109	112	bachelor	bachelor	NOUN
gp-304	109	113	's	's	PART
gp-304	109	114	degree	degree	NOUN
gp-304	109	115	191	191	NUM
gp-304	109	116	47.8	47.8	NUM
gp-304	109	117	%	%	NOUN
gp-304	109	118	master	master	NOUN
gp-304	109	119	's	's	PART
gp-304	109	120	degree	degree	NOUN
gp-304	109	121	43	43	NUM
gp-304	109	122	10.8	10.8	NUM
gp-304	109	123	%	%	NOUN
gp-304	109	124	doctoral	doctoral	ADJ
gp-304	109	125	degree	degree	NOUN
gp-304	109	126	3	3	NUM
gp-304	109	127	0.8	0.8	NUM
gp-304	109	128	%	%	NOUN
gp-304	109	129	the	the	DET
gp-304	109	130	age	age	NOUN
gp-304	109	131	distribution	distribution	NOUN
gp-304	109	132	reveals	reveal	VERB
gp-304	109	133	a	a	DET
gp-304	109	134	predominantly	predominantly	ADV
gp-304	109	135	young	young	ADJ
gp-304	109	136	investor	investor	NOUN
gp-304	109	137	population	population	NOUN
gp-304	109	138	,	,	PUNCT
gp-304	109	139	with	with	ADP
gp-304	109	140	59.3	59.3	NUM
gp-304	109	141	%	%	NOUN
gp-304	109	142	under	under	ADP
gp-304	109	143	30	30	NUM
gp-304	109	144	years	year	NOUN
gp-304	109	145	old	old	ADJ
gp-304	109	146	,	,	PUNCT
gp-304	109	147	reflecting	reflect	VERB
gp-304	109	148	the	the	DET
gp-304	109	149	broader	broad	ADJ
gp-304	109	150	trend	trend	NOUN
gp-304	109	151	of	of	ADP
gp-304	109	152	millennial	millennial	ADJ
gp-304	109	153	and	and	CCONJ
gp-304	109	154	generation	generation	NOUN
gp-304	109	155	z	z	NOUN
gp-304	109	156	participation	participation	NOUN
gp-304	109	157	in	in	ADP
gp-304	109	158	capital	capital	NOUN
gp-304	109	159	markets	market	NOUN
gp-304	109	160	facilitated	facilitate	VERB
gp-304	109	161	by	by	ADP
gp-304	109	162	digital	digital	ADJ
gp-304	109	163	platforms	platform	NOUN
gp-304	109	164	.	.	PUNCT
gp-304	110	1	the	the	DET
gp-304	110	2	educational	educational	ADJ
gp-304	110	3	profile	profile	NOUN
gp-304	110	4	shows	show	VERB
gp-304	110	5	a	a	DET
gp-304	110	6	highly	highly	ADV
gp-304	110	7	educated	educate	VERB
gp-304	110	8	sample	sample	NOUN
gp-304	110	9	,	,	PUNCT
gp-304	110	10	with	with	ADP
gp-304	110	11	58.6	58.6	NUM
gp-304	110	12	%	%	NOUN
gp-304	110	13	holding	hold	VERB
gp-304	110	14	tertiary	tertiary	ADJ
gp-304	110	15	education	education	NOUN
gp-304	110	16	qualifications	qualification	NOUN
gp-304	110	17	,	,	PUNCT
gp-304	110	18	suggesting	suggest	VERB
gp-304	110	19	that	that	SCONJ
gp-304	110	20	current	current	ADJ
gp-304	110	21	capital	capital	NOUN
gp-304	110	22	market	market	NOUN
gp-304	110	23	participants	participant	NOUN
gp-304	110	24	in	in	ADP
gp-304	110	25	maluku	maluku	PROPN
gp-304	110	26	represent	represent	VERB
gp-304	110	27	a	a	DET
gp-304	110	28	relatively	relatively	ADV
gp-304	110	29	educated	educate	VERB
gp-304	110	30	segment	segment	NOUN
gp-304	110	31	of	of	ADP
gp-304	110	32	the	the	DET
gp-304	110	33	population	population	NOUN
gp-304	110	34	.	.	PUNCT
gp-304	111	1	descriptive	descriptive	ADJ
gp-304	111	2	analysis	analysis	NOUN
gp-304	111	3	of	of	ADP
gp-304	111	4	research	research	NOUN
gp-304	111	5	variables	variable	NOUN
gp-304	111	6	descriptive	descriptive	ADJ
gp-304	111	7	analysis	analysis	NOUN
gp-304	111	8	employed	employ	VERB
gp-304	111	9	interval	interval	NOUN
gp-304	111	10	categorization	categorization	NOUN
gp-304	111	11	using	use	VERB
gp-304	111	12	sugiyono	sugiyono	NOUN
gp-304	111	13	's	's	PART
gp-304	111	14	(	(	PUNCT
gp-304	111	15	2021	2021	NUM
gp-304	111	16	)	)	PUNCT
gp-304	111	17	scale	scale	NOUN
gp-304	111	18	interpretation	interpretation	NOUN
gp-304	111	19	to	to	PART
gp-304	111	20	assess	assess	VERB
gp-304	111	21	respondent	respondent	NOUN
gp-304	111	22	perceptions	perception	NOUN
gp-304	111	23	across	across	ADP
gp-304	111	24	all	all	DET
gp-304	111	25	variables	variable	NOUN
gp-304	111	26	.	.	PUNCT
gp-304	112	1	the	the	DET
gp-304	112	2	interval	interval	NOUN
gp-304	112	3	calculation	calculation	NOUN
gp-304	112	4	formula	formula	NOUN
gp-304	112	5	used	use	VERB
gp-304	112	6	was	be	AUX
gp-304	112	7	:	:	PUNCT
gp-304	112	8	i	i	PRON
gp-304	112	9	=	=	PUNCT
gp-304	112	10	(	(	PUNCT
gp-304	112	11	highest	high	ADJ
gp-304	112	12	value	value	NOUN
gp-304	112	13	lowest	low	ADJ
gp-304	112	14	value	value	NOUN
gp-304	112	15	)	)	PUNCT
gp-304	112	16	/	/	SYM
gp-304	112	17	number	number	NOUN
gp-304	112	18	of	of	ADP
gp-304	112	19	categories	category	NOUN
gp-304	112	20	=	=	SYM
gp-304	112	21	(	(	PUNCT
gp-304	112	22	5	5	NUM
gp-304	112	23	-	-	SYM
gp-304	112	24	1)/5	1)/5	NUM
gp-304	112	25	=	=	SYM
gp-304	112	26	0.80	0.80	NUM
gp-304	112	27	this	this	PRON
gp-304	112	28	resulted	result	VERB
gp-304	112	29	in	in	ADP
gp-304	112	30	the	the	DET
gp-304	112	31	following	follow	VERB
gp-304	112	32	interpretation	interpretation	NOUN
gp-304	112	33	categories	category	NOUN
gp-304	112	34	:	:	PUNCT
gp-304	112	35	1.00	1.00	NUM
gp-304	112	36	-	-	SYM
gp-304	112	37	1.80	1.80	NUM
gp-304	112	38	(	(	PUNCT
gp-304	112	39	very	very	ADV
gp-304	112	40	poor	poor	ADJ
gp-304	112	41	)	)	PUNCT
gp-304	112	42	,	,	PUNCT
gp-304	112	43	1.81	1.81	NUM
gp-304	112	44	-	-	SYM
gp-304	112	45	2.60	2.60	NUM
gp-304	112	46	(	(	PUNCT
gp-304	112	47	poor	poor	ADJ
gp-304	112	48	)	)	PUNCT
gp-304	112	49	,	,	PUNCT
gp-304	112	50	2.61	2.61	NUM
gp-304	112	51	-	-	SYM
gp-304	112	52	3.40	3.40	NUM
gp-304	112	53	(	(	PUNCT
gp-304	112	54	fair	fair	ADJ
gp-304	112	55	)	)	PUNCT
gp-304	112	56	,	,	PUNCT
gp-304	112	57	3.41	3.41	NUM
gp-304	112	58	-	-	SYM
gp-304	112	59	4.20	4.20	NUM
gp-304	112	60	(	(	PUNCT
gp-304	112	61	good	good	ADJ
gp-304	112	62	)	)	PUNCT
gp-304	112	63	,	,	PUNCT
gp-304	112	64	and	and	CCONJ
gp-304	112	65	4.21	4.21	NUM
gp-304	112	66	-	-	SYM
gp-304	112	67	5.00	5.00	NUM
gp-304	112	68	(	(	PUNCT
gp-304	112	69	very	very	ADV
gp-304	112	70	good	good	ADJ
gp-304	112	71	)	)	PUNCT
gp-304	112	72	.	.	PUNCT
gp-304	113	1	table	table	NOUN
gp-304	113	2	2	2	NUM
gp-304	113	3	.	.	PUNCT
gp-304	113	4	descriptive	descriptive	ADJ
gp-304	113	5	statistics	statistic	NOUN
gp-304	113	6	of	of	ADP
gp-304	113	7	research	research	NOUN
gp-304	113	8	variables	variable	VERB
gp-304	113	9	variable	variable	ADJ
gp-304	113	10	mean	mean	PROPN
gp-304	113	11	min	min	PROPN
gp-304	113	12	max	max	PROPN
gp-304	113	13	category	category	PROPN
gp-304	113	14	financial	financial	ADJ
gp-304	113	15	literacy	literacy	NOUN
gp-304	113	16	4.331	4.331	NUM
gp-304	113	17	2	2	NUM
gp-304	113	18	5	5	NUM
gp-304	113	19	very	very	ADV
gp-304	113	20	good	good	ADJ
gp-304	113	21	financial	financial	ADJ
gp-304	113	22	technology	technology	NOUN
gp-304	113	23	literacy	literacy	NOUN
gp-304	113	24	4.173	4.173	NUM
gp-304	113	25	2	2	NUM
gp-304	113	26	5	5	NUM
gp-304	113	27	good	good	ADJ
gp-304	113	28	risk	risk	NOUN
gp-304	113	29	perception	perception	NOUN
gp-304	113	30	4.250	4.250	NUM
gp-304	113	31	2	2	NUM
gp-304	113	32	5	5	NUM
gp-304	113	33	very	very	ADV
gp-304	113	34	good	good	ADJ
gp-304	113	35	self	self	NOUN
gp-304	113	36	-	-	PUNCT
gp-304	113	37	efficacy	efficacy	NOUN
gp-304	113	38	4.086	4.086	NUM
gp-304	113	39	2	2	NUM
gp-304	113	40	5	5	NUM
gp-304	113	41	good	good	ADJ
gp-304	113	42	investment	investment	NOUN
gp-304	113	43	decision	decision	NOUN
gp-304	113	44	4.270	4.270	NUM
gp-304	113	45	1	1	NUM
gp-304	113	46	5	5	NUM
gp-304	113	47	very	very	ADV
gp-304	113	48	good	good	ADJ
gp-304	113	49	the	the	DET
gp-304	113	50	descriptive	descriptive	ADJ
gp-304	113	51	analysis	analysis	NOUN
gp-304	113	52	reveals	reveal	VERB
gp-304	113	53	encouraging	encourage	VERB
gp-304	113	54	results	result	NOUN
gp-304	113	55	regarding	regard	VERB
gp-304	113	56	respondent	respondent	NOUN
gp-304	113	57	capabilities	capability	NOUN
gp-304	113	58	and	and	CCONJ
gp-304	113	59	attitudes	attitude	NOUN
gp-304	113	60	.	.	PUNCT
gp-304	114	1	financial	financial	ADJ
gp-304	114	2	literacy	literacy	NOUN
gp-304	114	3	achieved	achieve	VERB
gp-304	114	4	the	the	DET
gp-304	114	5	highest	high	ADJ
gp-304	114	6	mean	mean	ADJ
gp-304	114	7	score	score	NOUN
gp-304	114	8	of	of	ADP
gp-304	114	9	4.331	4.331	NUM
gp-304	114	10	,	,	PUNCT
gp-304	114	11	indicating	indicate	VERB
gp-304	114	12	that	that	SCONJ
gp-304	114	13	maluku	maluku	PROPN
gp-304	114	14	investors	investor	NOUN
gp-304	114	15	possess	possess	VERB
gp-304	114	16	very	very	ADV
gp-304	114	17	good	good	ADJ
gp-304	114	18	understanding	understanding	NOUN
gp-304	114	19	of	of	ADP
gp-304	114	20	basic	basic	ADJ
gp-304	114	21	financial	financial	ADJ
gp-304	114	22	concepts	concept	NOUN
gp-304	114	23	.	.	PUNCT
gp-304	115	1	this	this	DET
gp-304	115	2	finding	finding	NOUN
gp-304	115	3	contrasts	contrast	VERB
gp-304	115	4	with	with	ADP
gp-304	115	5	the	the	DET
gp-304	115	6	national	national	ADJ
gp-304	115	7	financial	financial	ADJ
gp-304	115	8	literacy	literacy	NOUN
gp-304	115	9	statistics	statistic	NOUN
gp-304	115	10	,	,	PUNCT
gp-304	115	11	suggesting	suggest	VERB
gp-304	115	12	that	that	SCONJ
gp-304	115	13	active	active	ADJ
gp-304	115	14	capital	capital	NOUN
gp-304	115	15	market	market	NOUN
gp-304	115	16	participants	participant	NOUN
gp-304	115	17	represent	represent	VERB
gp-304	115	18	a	a	DET
gp-304	115	19	more	more	ADV
gp-304	115	20	financially	financially	ADV
gp-304	115	21	literate	literate	ADJ
gp-304	115	22	segment	segment	NOUN
gp-304	115	23	of	of	ADP
gp-304	115	24	the	the	DET
gp-304	115	25	population	population	NOUN
gp-304	115	26	.	.	PUNCT
gp-304	116	1	risk	risk	NOUN
gp-304	116	2	perception	perception	NOUN
gp-304	116	3	also	also	ADV
gp-304	116	4	scored	score	VERB
gp-304	116	5	highly	highly	ADV
gp-304	116	6	at	at	ADP
gp-304	116	7	4.250	4.250	NUM
gp-304	116	8	,	,	PUNCT
gp-304	116	9	demonstrating	demonstrate	VERB
gp-304	116	10	that	that	SCONJ
gp-304	116	11	investors	investor	NOUN
gp-304	116	12	are	be	AUX
gp-304	116	13	well	well	ADV
gp-304	116	14	aware	aware	ADJ
gp-304	116	15	of	of	ADP
gp-304	116	16	investment	investment	NOUN
gp-304	116	17	risks	risk	NOUN
gp-304	116	18	and	and	CCONJ
gp-304	116	19	their	their	PRON
gp-304	116	20	implications	implication	NOUN
gp-304	116	21	.	.	PUNCT
gp-304	117	1	american	american	ADJ
gp-304	117	2	journal	journal	PROPN
gp-304	117	3	of	of	ADP
gp-304	117	4	economic	economic	ADJ
gp-304	117	5	and	and	CCONJ
gp-304	117	6	management	management	NOUN
gp-304	117	7	business	business	NOUN
gp-304	117	8	vol	vol	NOUN
gp-304	117	9	.	.	PROPN
gp-304	118	1	4	4	NUM
gp-304	118	2	no	no	NOUN
gp-304	118	3	.	.	NOUN
gp-304	118	4	8	8	NUM
gp-304	118	5	agustus	agustus	NOUN
gp-304	118	6	2025	2025	NUM
gp-304	118	7	1395	1395	NUM
gp-304	118	8	financial	financial	ADJ
gp-304	118	9	technology	technology	NOUN
gp-304	118	10	literacy	literacy	NOUN
gp-304	118	11	scored	score	VERB
gp-304	118	12	4.173	4.173	NUM
gp-304	118	13	,	,	PUNCT
gp-304	118	14	placing	place	VERB
gp-304	118	15	it	it	PRON
gp-304	118	16	in	in	ADP
gp-304	118	17	the	the	DET
gp-304	118	18	good	good	ADJ
gp-304	118	19	category	category	NOUN
gp-304	118	20	,	,	PUNCT
gp-304	118	21	which	which	PRON
gp-304	118	22	reflects	reflect	VERB
gp-304	118	23	the	the	DET
gp-304	118	24	growing	grow	VERB
gp-304	118	25	adoption	adoption	NOUN
gp-304	118	26	of	of	ADP
gp-304	118	27	digital	digital	ADJ
gp-304	118	28	financial	financial	ADJ
gp-304	118	29	services	service	NOUN
gp-304	118	30	in	in	ADP
gp-304	118	31	the	the	DET
gp-304	118	32	region	region	NOUN
gp-304	118	33	.	.	PUNCT
gp-304	119	1	self	self	NOUN
gp-304	119	2	-	-	PUNCT
gp-304	119	3	efficacy	efficacy	NOUN
gp-304	119	4	,	,	PUNCT
gp-304	119	5	with	with	ADP
gp-304	119	6	a	a	DET
gp-304	119	7	mean	mean	NOUN
gp-304	119	8	of	of	ADP
gp-304	119	9	4.086	4.086	NUM
gp-304	119	10	,	,	PUNCT
gp-304	119	11	indicates	indicate	VERB
gp-304	119	12	that	that	SCONJ
gp-304	119	13	investors	investor	NOUN
gp-304	119	14	generally	generally	ADV
gp-304	119	15	have	have	VERB
gp-304	119	16	good	good	ADJ
gp-304	119	17	confidence	confidence	NOUN
gp-304	119	18	in	in	ADP
gp-304	119	19	their	their	PRON
gp-304	119	20	financial	financial	ADJ
gp-304	119	21	management	management	NOUN
gp-304	119	22	abilities	ability	NOUN
gp-304	119	23	.	.	PUNCT
gp-304	120	1	investment	investment	NOUN
gp-304	120	2	decision	decision	NOUN
gp-304	120	3	quality	quality	NOUN
gp-304	120	4	scored	score	VERB
gp-304	120	5	4.270	4.270	NUM
gp-304	120	6	,	,	PUNCT
gp-304	120	7	suggesting	suggest	VERB
gp-304	120	8	that	that	SCONJ
gp-304	120	9	respondents	respondent	NOUN
gp-304	120	10	make	make	VERB
gp-304	120	11	well	well	ADV
gp-304	120	12	-	-	PUNCT
gp-304	120	13	considered	consider	VERB
gp-304	120	14	investment	investment	NOUN
gp-304	120	15	choices	choice	NOUN
gp-304	120	16	.	.	PUNCT
gp-304	121	1	common	common	ADJ
gp-304	121	2	method	method	NOUN
gp-304	121	3	bias	bias	NOUN
gp-304	121	4	testing	testing	NOUN
gp-304	121	5	before	before	ADP
gp-304	121	6	proceeding	proceed	VERB
gp-304	121	7	with	with	ADP
gp-304	121	8	structural	structural	ADJ
gp-304	121	9	analysis	analysis	NOUN
gp-304	121	10	,	,	PUNCT
gp-304	121	11	common	common	ADJ
gp-304	121	12	method	method	NOUN
gp-304	121	13	bias	bias	NOUN
gp-304	121	14	(	(	PUNCT
gp-304	121	15	cmb	cmb	PROPN
gp-304	121	16	)	)	PUNCT
gp-304	121	17	was	be	AUX
gp-304	121	18	assessed	assess	VERB
gp-304	121	19	using	use	VERB
gp-304	121	20	the	the	DET
gp-304	121	21	full	full	ADJ
gp-304	121	22	collinearity	collinearity	NOUN
gp-304	121	23	variance	variance	NOUN
gp-304	121	24	inflation	inflation	NOUN
gp-304	121	25	factor	factor	NOUN
gp-304	121	26	(	(	PUNCT
gp-304	121	27	fcvif	fcvif	PROPN
gp-304	121	28	)	)	PUNCT
gp-304	121	29	approach	approach	NOUN
gp-304	121	30	.	.	PUNCT
gp-304	122	1	all	all	DET
gp-304	122	2	fcvif	fcvif	NOUN
gp-304	122	3	values	value	NOUN
gp-304	122	4	were	be	AUX
gp-304	122	5	below	below	ADP
gp-304	122	6	the	the	DET
gp-304	122	7	threshold	threshold	NOUN
gp-304	122	8	of	of	ADP
gp-304	122	9	3.3	3.3	NUM
gp-304	122	10	,	,	PUNCT
gp-304	122	11	with	with	ADP
gp-304	122	12	the	the	DET
gp-304	122	13	highest	high	ADJ
gp-304	122	14	value	value	NOUN
gp-304	122	15	being	be	AUX
gp-304	122	16	2.408	2.408	NUM
gp-304	122	17	for	for	ADP
gp-304	122	18	risk	risk	NOUN
gp-304	122	19	perception	perception	NOUN
gp-304	122	20	,	,	PUNCT
gp-304	122	21	indicating	indicate	VERB
gp-304	122	22	that	that	SCONJ
gp-304	122	23	common	common	ADJ
gp-304	122	24	method	method	NOUN
gp-304	122	25	bias	bias	NOUN
gp-304	122	26	does	do	AUX
gp-304	122	27	not	not	PART
gp-304	122	28	threaten	threaten	VERB
gp-304	122	29	the	the	DET
gp-304	122	30	validity	validity	NOUN
gp-304	122	31	of	of	ADP
gp-304	122	32	this	this	DET
gp-304	122	33	research	research	NOUN
gp-304	122	34	.	.	PUNCT
gp-304	123	1	measurement	measurement	NOUN
gp-304	123	2	model	model	NOUN
gp-304	123	3	evaluation	evaluation	NOUN
gp-304	123	4	(	(	PUNCT
gp-304	123	5	outer	outer	ADJ
gp-304	123	6	model	model	NOUN
gp-304	123	7	)	)	PUNCT
gp-304	123	8	the	the	DET
gp-304	123	9	measurement	measurement	NOUN
gp-304	123	10	model	model	NOUN
gp-304	123	11	evaluation	evaluation	NOUN
gp-304	123	12	encompasses	encompass	VERB
gp-304	123	13	three	three	NUM
gp-304	123	14	critical	critical	ADJ
gp-304	123	15	assessments	assessment	NOUN
gp-304	123	16	:	:	PUNCT
gp-304	123	17	convergent	convergent	NOUN
gp-304	123	18	validity	validity	NOUN
gp-304	123	19	,	,	PUNCT
gp-304	123	20	discriminant	discriminant	ADJ
gp-304	123	21	validity	validity	NOUN
gp-304	123	22	,	,	PUNCT
gp-304	123	23	and	and	CCONJ
gp-304	123	24	reliability	reliability	NOUN
gp-304	123	25	testing	testing	NOUN
gp-304	123	26	.	.	PUNCT
gp-304	124	1	these	these	DET
gp-304	124	2	evaluations	evaluation	NOUN
gp-304	124	3	ensure	ensure	VERB
gp-304	124	4	that	that	SCONJ
gp-304	124	5	the	the	DET
gp-304	124	6	research	research	NOUN
gp-304	124	7	instruments	instrument	NOUN
gp-304	124	8	accurately	accurately	ADV
gp-304	124	9	measure	measure	VERB
gp-304	124	10	the	the	DET
gp-304	124	11	intended	intend	VERB
gp-304	124	12	constructs	construct	NOUN
gp-304	124	13	.	.	PUNCT
gp-304	125	1	convergent	convergent	NOUN
gp-304	125	2	validity	validity	NOUN
gp-304	125	3	convergent	convergent	NOUN
gp-304	125	4	validity	validity	NOUN
gp-304	125	5	was	be	AUX
gp-304	125	6	assessed	assess	VERB
gp-304	125	7	through	through	ADP
gp-304	125	8	factor	factor	NOUN
gp-304	125	9	loadings	loading	NOUN
gp-304	125	10	and	and	CCONJ
gp-304	125	11	average	average	ADJ
gp-304	125	12	variance	variance	NOUN
gp-304	125	13	extracted	extract	VERB
gp-304	125	14	(	(	PUNCT
gp-304	125	15	ave	ave	NOUN
gp-304	125	16	)	)	PUNCT
gp-304	125	17	values	value	NOUN
gp-304	125	18	.	.	PUNCT
gp-304	126	1	all	all	DET
gp-304	126	2	indicators	indicator	NOUN
gp-304	126	3	demonstrated	demonstrate	VERB
gp-304	126	4	factor	factor	NOUN
gp-304	126	5	loadings	loading	NOUN
gp-304	126	6	above	above	ADP
gp-304	126	7	the	the	DET
gp-304	126	8	0.70	0.70	NUM
gp-304	126	9	threshold	threshold	NOUN
gp-304	126	10	,	,	PUNCT
gp-304	126	11	with	with	ADP
gp-304	126	12	values	value	NOUN
gp-304	126	13	ranging	range	VERB
gp-304	126	14	from	from	ADP
gp-304	126	15	0.725	0.725	NUM
gp-304	126	16	to	to	ADP
gp-304	126	17	0.842	0.842	NUM
gp-304	126	18	,	,	PUNCT
gp-304	126	19	indicating	indicate	VERB
gp-304	126	20	strong	strong	ADJ
gp-304	126	21	relationships	relationship	NOUN
gp-304	126	22	between	between	ADP
gp-304	126	23	indicators	indicator	NOUN
gp-304	126	24	and	and	CCONJ
gp-304	126	25	their	their	PRON
gp-304	126	26	respective	respective	ADJ
gp-304	126	27	constructs	construct	NOUN
gp-304	126	28	.	.	PUNCT
gp-304	127	1	table	table	NOUN
gp-304	127	2	3	3	NUM
gp-304	127	3	.	.	PUNCT
gp-304	127	4	factor	factor	NOUN
gp-304	127	5	loadings	loading	NOUN
gp-304	127	6	and	and	CCONJ
gp-304	127	7	average	average	ADJ
gp-304	127	8	variance	variance	NOUN
gp-304	127	9	extracted	extract	VERB
gp-304	127	10	variable	variable	ADJ
gp-304	127	11	indicators	indicator	NOUN
gp-304	127	12	factor	factor	NOUN
gp-304	127	13	loading	load	VERB
gp-304	127	14	ave	ave	NOUN
gp-304	127	15	financial	financial	ADJ
gp-304	127	16	literacy	literacy	PROPN
gp-304	127	17	lk1	lk1	NOUN
gp-304	127	18	-	-	PUNCT
gp-304	127	19	lk6	lk6	ADJ
gp-304	127	20	0.742	0.742	NUM
gp-304	127	21	-	-	SYM
gp-304	127	22	0.799	0.799	NUM
gp-304	127	23	0.596	0.596	NUM
gp-304	127	24	financial	financial	ADJ
gp-304	127	25	technology	technology	NOUN
gp-304	127	26	literacy	literacy	NOUN
gp-304	127	27	ltk1	ltk1	NOUN
gp-304	127	28	-	-	PUNCT
gp-304	127	29	ltk5	ltk5	PROPN
gp-304	127	30	0.725	0.725	NUM
gp-304	127	31	-	-	SYM
gp-304	127	32	0.794	0.794	NUM
gp-304	127	33	0.595	0.595	NUM
gp-304	127	34	risk	risk	NOUN
gp-304	127	35	perception	perception	NOUN
gp-304	127	36	pr1	pr1	NOUN
gp-304	127	37	-	-	PUNCT
gp-304	127	38	pr5	pr5	NOUN
gp-304	127	39	0.768	0.768	NUM
gp-304	127	40	-	-	PUNCT
gp-304	127	41	0.816	0.816	NUM
gp-304	127	42	0.627	0.627	NUM
gp-304	127	43	self	self	NOUN
gp-304	127	44	-	-	PUNCT
gp-304	127	45	efficacy	efficacy	NOUN
gp-304	127	46	ed1	ed1	PROPN
gp-304	127	47	-	-	PUNCT
gp-304	127	48	ed5	ed5	PROPN
gp-304	127	49	0.750	0.750	NUM
gp-304	127	50	-	-	SYM
gp-304	127	51	0.842	0.842	NUM
gp-304	127	52	0.638	0.638	NUM
gp-304	127	53	investment	investment	NOUN
gp-304	127	54	decision	decision	NOUN
gp-304	127	55	ki1	ki1	NOUN
gp-304	127	56	-	-	PUNCT
gp-304	127	57	ki6	ki6	NOUN
gp-304	127	58	0.732	0.732	NUM
gp-304	127	59	-	-	SYM
gp-304	127	60	0.801	0.801	NUM
gp-304	127	61	0.595	0.595	NUM
gp-304	127	62	all	all	DET
gp-304	127	63	ave	ave	PROPN
gp-304	127	64	values	value	NOUN
gp-304	127	65	exceeded	exceed	VERB
gp-304	127	66	0.50	0.50	NUM
gp-304	127	67	,	,	PUNCT
gp-304	127	68	confirming	confirm	VERB
gp-304	127	69	that	that	SCONJ
gp-304	127	70	each	each	DET
gp-304	127	71	construct	construct	NOUN
gp-304	127	72	explains	explain	VERB
gp-304	127	73	more	more	ADJ
gp-304	127	74	than	than	ADP
gp-304	127	75	half	half	NOUN
gp-304	127	76	of	of	ADP
gp-304	127	77	the	the	DET
gp-304	127	78	variance	variance	NOUN
gp-304	127	79	in	in	ADP
gp-304	127	80	its	its	PRON
gp-304	127	81	indicators	indicator	NOUN
gp-304	127	82	,	,	PUNCT
gp-304	127	83	thus	thus	ADV
gp-304	127	84	establishing	establish	VERB
gp-304	127	85	convergent	convergent	ADJ
gp-304	127	86	validity	validity	NOUN
gp-304	127	87	.	.	PUNCT
gp-304	128	1	discriminant	discriminant	ADJ
gp-304	128	2	validity	validity	NOUN
gp-304	128	3	discriminant	discriminant	ADJ
gp-304	128	4	validity	validity	NOUN
gp-304	128	5	was	be	AUX
gp-304	128	6	evaluated	evaluate	VERB
gp-304	128	7	using	use	VERB
gp-304	128	8	the	the	DET
gp-304	128	9	fornell	fornell	ADJ
gp-304	128	10	-	-	PUNCT
gp-304	128	11	larcker	larcker	NOUN
gp-304	128	12	criterion	criterion	NOUN
gp-304	128	13	and	and	CCONJ
gp-304	128	14	heterotraitmonotrait	heterotraitmonotrait	NOUN
gp-304	128	15	ratio	ratio	NOUN
gp-304	128	16	(	(	PUNCT
gp-304	128	17	htmt	htmt	PROPN
gp-304	128	18	)	)	PUNCT
gp-304	128	19	.	.	PUNCT
gp-304	129	1	the	the	DET
gp-304	129	2	fornell	fornell	NOUN
gp-304	129	3	-	-	PUNCT
gp-304	129	4	larcker	larcker	NOUN
gp-304	129	5	criterion	criterion	NOUN
gp-304	129	6	requires	require	VERB
gp-304	129	7	that	that	SCONJ
gp-304	129	8	the	the	DET
gp-304	129	9	square	square	ADJ
gp-304	129	10	root	root	NOUN
gp-304	129	11	of	of	ADP
gp-304	129	12	each	each	DET
gp-304	129	13	construct	construct	NOUN
gp-304	129	14	's	's	PART
gp-304	129	15	ave	ave	NOUN
gp-304	129	16	be	be	AUX
gp-304	129	17	greater	great	ADJ
gp-304	129	18	than	than	ADP
gp-304	129	19	its	its	PRON
gp-304	129	20	correlations	correlation	NOUN
gp-304	129	21	with	with	ADP
gp-304	129	22	other	other	ADJ
gp-304	129	23	constructs	construct	NOUN
gp-304	129	24	.	.	PUNCT
gp-304	130	1	table	table	NOUN
gp-304	130	2	4	4	NUM
gp-304	130	3	.	.	PUNCT
gp-304	130	4	fornell	fornell	NOUN
gp-304	130	5	-	-	PUNCT
gp-304	130	6	larcker	larcker	NOUN
gp-304	130	7	criterion	criterion	NOUN
gp-304	130	8	matrix	matrix	NOUN
gp-304	130	9	variable	variable	NOUN
gp-304	130	10	fl	fl	PROPN
gp-304	130	11	ftl	ftl	PROPN
gp-304	131	1	rp	rp	PROPN
gp-304	131	2	se	se	PROPN
gp-304	132	1	i	i	PROPN
gp-304	132	2	d	d	PROPN
gp-304	132	3	financial	financial	ADJ
gp-304	132	4	literacy	literacy	NOUN
gp-304	132	5	(	(	PUNCT
gp-304	132	6	fl	fl	NOUN
gp-304	132	7	)	)	PUNCT
gp-304	132	8	0.772	0.772	NUM
gp-304	132	9	american	american	ADJ
gp-304	132	10	journal	journal	NOUN
gp-304	132	11	of	of	ADP
gp-304	132	12	economic	economic	ADJ
gp-304	132	13	and	and	CCONJ
gp-304	132	14	management	management	NOUN
gp-304	132	15	business	business	NOUN
gp-304	132	16	vol	vol	NOUN
gp-304	132	17	.	.	PROPN
gp-304	132	18	4	4	NUM
gp-304	132	19	no	no	NOUN
gp-304	132	20	.	.	NOUN
gp-304	132	21	8	8	NUM
gp-304	132	22	agustus	agustus	NOUN
gp-304	132	23	2025	2025	NUM
gp-304	132	24	1396	1396	NUM
gp-304	132	25	variable	variable	NOUN
gp-304	132	26	fl	fl	PROPN
gp-304	132	27	ftl	ftl	PROPN
gp-304	132	28	rp	rp	PROPN
gp-304	132	29	se	se	PROPN
gp-304	132	30	i	i	PROPN
gp-304	132	31	d	d	PROPN
gp-304	132	32	financial	financial	ADJ
gp-304	132	33	technology	technology	NOUN
gp-304	132	34	literacy	literacy	NOUN
gp-304	132	35	(	(	PUNCT
gp-304	132	36	ftl	ftl	NOUN
gp-304	132	37	)	)	PUNCT
gp-304	132	38	0.679	0.679	NUM
gp-304	132	39	0.771	0.771	NUM
gp-304	132	40	risk	risk	NOUN
gp-304	132	41	perception	perception	NOUN
gp-304	132	42	(	(	PUNCT
gp-304	132	43	rp	rp	NOUN
gp-304	132	44	)	)	PUNCT
gp-304	132	45	0.698	0.698	NOUN
gp-304	132	46	0.678	0.678	NUM
gp-304	132	47	0.792	0.792	NUM
gp-304	132	48	self	self	NOUN
gp-304	132	49	-	-	PUNCT
gp-304	132	50	efficacy	efficacy	NOUN
gp-304	132	51	(	(	PUNCT
gp-304	132	52	se	se	X
gp-304	132	53	)	)	PUNCT
gp-304	132	54	0.553	0.553	NUM
gp-304	132	55	0.576	0.576	NUM
gp-304	132	56	0.576	0.576	NUM
gp-304	132	57	0.799	0.799	NUM
gp-304	132	58	investment	investment	NOUN
gp-304	132	59	decision	decision	NOUN
gp-304	132	60	(	(	PUNCT
gp-304	132	61	i	i	NOUN
gp-304	132	62	d	d	PROPN
gp-304	132	63	)	)	PUNCT
gp-304	132	64	0.731	0.731	NUM
gp-304	132	65	0.720	0.720	NUM
gp-304	132	66	0.733	0.733	NUM
gp-304	132	67	0.605	0.605	NUM
gp-304	132	68	0.771	0.771	NUM
gp-304	132	69	the	the	DET
gp-304	132	70	htmt	htmt	PROPN
gp-304	132	71	assessment	assessment	NOUN
gp-304	132	72	further	far	ADV
gp-304	132	73	confirmed	confirm	VERB
gp-304	132	74	discriminant	discriminant	ADJ
gp-304	132	75	validity	validity	NOUN
gp-304	132	76	,	,	PUNCT
gp-304	132	77	with	with	ADP
gp-304	132	78	all	all	DET
gp-304	132	79	values	value	NOUN
gp-304	132	80	below	below	ADP
gp-304	132	81	the	the	DET
gp-304	132	82	0.90	0.90	NUM
gp-304	132	83	threshold	threshold	NOUN
gp-304	132	84	,	,	PUNCT
gp-304	132	85	ranging	range	VERB
gp-304	132	86	from	from	ADP
gp-304	132	87	0.641	0.641	NUM
gp-304	132	88	to	to	ADP
gp-304	132	89	0.852	0.852	NUM
gp-304	132	90	.	.	PUNCT
gp-304	133	1	reliability	reliability	NOUN
gp-304	133	2	testing	testing	NOUN
gp-304	133	3	reliability	reliability	NOUN
gp-304	133	4	was	be	AUX
gp-304	133	5	assessed	assess	VERB
gp-304	133	6	through	through	ADP
gp-304	133	7	cronbach	cronbach	NOUN
gp-304	133	8	's	's	PART
gp-304	133	9	alpha	alpha	NOUN
gp-304	133	10	and	and	CCONJ
gp-304	133	11	composite	composite	ADJ
gp-304	133	12	reliability	reliability	NOUN
gp-304	133	13	measures	measure	NOUN
gp-304	133	14	.	.	PUNCT
gp-304	134	1	all	all	DET
gp-304	134	2	constructs	construct	NOUN
gp-304	134	3	demonstrated	demonstrate	VERB
gp-304	134	4	excellent	excellent	ADJ
gp-304	134	5	reliability	reliability	NOUN
gp-304	134	6	with	with	ADP
gp-304	134	7	cronbach	cronbach	NOUN
gp-304	134	8	's	's	PART
gp-304	134	9	alpha	alpha	ADJ
gp-304	134	10	values	value	NOUN
gp-304	134	11	ranging	range	VERB
gp-304	134	12	from	from	ADP
gp-304	134	13	0.830	0.830	NUM
gp-304	134	14	to	to	ADP
gp-304	134	15	0.864	0.864	NUM
gp-304	134	16	and	and	CCONJ
gp-304	134	17	composite	composite	ADJ
gp-304	134	18	reliability	reliability	NOUN
gp-304	134	19	values	value	NOUN
gp-304	134	20	from	from	ADP
gp-304	134	21	0.880	0.880	NUM
gp-304	134	22	to	to	ADP
gp-304	134	23	0.898	0.898	NUM
gp-304	134	24	,	,	PUNCT
gp-304	134	25	all	all	PRON
gp-304	134	26	exceeding	exceed	VERB
gp-304	134	27	the	the	DET
gp-304	134	28	0.70	0.70	NUM
gp-304	134	29	threshold	threshold	NOUN
gp-304	134	30	.	.	PUNCT
gp-304	135	1	structural	structural	ADJ
gp-304	135	2	model	model	NOUN
gp-304	135	3	evaluation	evaluation	NOUN
gp-304	135	4	(	(	PUNCT
gp-304	135	5	inner	inner	ADJ
gp-304	135	6	model	model	NOUN
gp-304	135	7	)	)	PUNCT
gp-304	135	8	the	the	DET
gp-304	135	9	structural	structural	ADJ
gp-304	135	10	model	model	NOUN
gp-304	135	11	evaluation	evaluation	NOUN
gp-304	135	12	assessed	assess	VERB
gp-304	135	13	the	the	DET
gp-304	135	14	relationships	relationship	NOUN
gp-304	135	15	between	between	ADP
gp-304	135	16	constructs	construct	NOUN
gp-304	135	17	and	and	CCONJ
gp-304	135	18	the	the	DET
gp-304	135	19	model	model	NOUN
gp-304	135	20	's	's	PART
gp-304	135	21	predictive	predictive	ADJ
gp-304	135	22	capability	capability	NOUN
gp-304	135	23	through	through	ADP
gp-304	135	24	several	several	ADJ
gp-304	135	25	key	key	ADJ
gp-304	135	26	metrics	metric	NOUN
gp-304	135	27	.	.	PUNCT
gp-304	136	1	coefficient	coefficient	NOUN
gp-304	136	2	of	of	ADP
gp-304	136	3	determination	determination	NOUN
gp-304	136	4	(	(	PUNCT
gp-304	136	5	r²	r²	NOUN
gp-304	136	6	)	)	PUNCT
gp-304	136	7	the	the	DET
gp-304	136	8	r²	r²	NOUN
gp-304	136	9	value	value	NOUN
gp-304	136	10	for	for	ADP
gp-304	136	11	the	the	DET
gp-304	136	12	investment	investment	NOUN
gp-304	136	13	decision	decision	NOUN
gp-304	136	14	construct	construct	NOUN
gp-304	136	15	was	be	AUX
gp-304	136	16	0.681	0.681	NUM
gp-304	136	17	,	,	PUNCT
gp-304	136	18	with	with	ADP
gp-304	136	19	an	an	DET
gp-304	136	20	adjusted	adjust	VERB
gp-304	136	21	r²	r²	NOUN
gp-304	136	22	of	of	ADP
gp-304	136	23	0.678	0.678	NUM
gp-304	136	24	,	,	PUNCT
gp-304	136	25	indicating	indicate	VERB
gp-304	136	26	that	that	SCONJ
gp-304	136	27	the	the	DET
gp-304	136	28	four	four	NUM
gp-304	136	29	predictor	predictor	NOUN
gp-304	136	30	variables	variable	NOUN
gp-304	136	31	collectively	collectively	ADV
gp-304	136	32	explain	explain	VERB
gp-304	136	33	67.8	67.8	NUM
gp-304	136	34	%	%	NOUN
gp-304	136	35	of	of	ADP
gp-304	136	36	the	the	DET
gp-304	136	37	variance	variance	NOUN
gp-304	136	38	in	in	ADP
gp-304	136	39	investment	investment	NOUN
gp-304	136	40	decisions	decision	NOUN
gp-304	136	41	.	.	PUNCT
gp-304	137	1	according	accord	VERB
gp-304	137	2	to	to	ADP
gp-304	137	3	hair	hair	NOUN
gp-304	137	4	et	et	PROPN
gp-304	137	5	al	al	PROPN
gp-304	137	6	.	.	PROPN
gp-304	138	1	(	(	PUNCT
gp-304	138	2	2019	2019	NUM
gp-304	138	3	)	)	PUNCT
gp-304	138	4	classification	classification	NOUN
gp-304	138	5	,	,	PUNCT
gp-304	138	6	this	this	PRON
gp-304	138	7	represents	represent	VERB
gp-304	138	8	moderate	moderate	ADJ
gp-304	138	9	to	to	ADP
gp-304	138	10	substantial	substantial	ADJ
gp-304	138	11	explanatory	explanatory	ADJ
gp-304	138	12	power	power	NOUN
gp-304	138	13	.	.	PUNCT
gp-304	139	1	predictive	predictive	ADJ
gp-304	139	2	relevance	relevance	NOUN
gp-304	139	3	(	(	PUNCT
gp-304	139	4	q²	q²	PROPN
gp-304	139	5	)	)	PUNCT
gp-304	139	6	the	the	DET
gp-304	139	7	q²	q²	ADJ
gp-304	139	8	value	value	NOUN
gp-304	139	9	was	be	AUX
gp-304	139	10	calculated	calculate	VERB
gp-304	139	11	using	use	VERB
gp-304	139	12	the	the	DET
gp-304	139	13	formula	formula	NOUN
gp-304	139	14	:	:	PUNCT
gp-304	139	15	q²	q²	PROPN
gp-304	139	16	=	=	SYM
gp-304	139	17	1	1	NUM
gp-304	139	18	(	(	PUNCT
gp-304	139	19	sse	sse	NOUN
gp-304	139	20	/	/	SYM
gp-304	139	21	sso	sso	NOUN
gp-304	139	22	)	)	PUNCT
gp-304	139	23	where	where	SCONJ
gp-304	139	24	sse	sse	NOUN
gp-304	139	25	=	=	PUNCT
gp-304	139	26	sum	sum	NOUN
gp-304	139	27	of	of	ADP
gp-304	139	28	squared	square	VERB
gp-304	139	29	errors	error	NOUN
gp-304	139	30	and	and	CCONJ
gp-304	139	31	sso	sso	NOUN
gp-304	139	32	=	=	NOUN
gp-304	139	33	sum	sum	NOUN
gp-304	139	34	of	of	ADP
gp-304	139	35	squared	square	VERB
gp-304	139	36	observations	observation	NOUN
gp-304	139	37	.	.	PUNCT
gp-304	140	1	the	the	DET
gp-304	140	2	q²	q²	ADJ
gp-304	140	3	value	value	NOUN
gp-304	140	4	of	of	ADP
gp-304	140	5	0.398	0.398	NUM
gp-304	140	6	indicates	indicate	VERB
gp-304	140	7	that	that	SCONJ
gp-304	140	8	the	the	DET
gp-304	140	9	model	model	NOUN
gp-304	140	10	has	have	VERB
gp-304	140	11	good	good	ADJ
gp-304	140	12	predictive	predictive	ADJ
gp-304	140	13	relevance	relevance	NOUN
gp-304	140	14	,	,	PUNCT
gp-304	140	15	as	as	SCONJ
gp-304	140	16	it	it	PRON
gp-304	140	17	exceeds	exceed	VERB
gp-304	140	18	zero	zero	NUM
gp-304	140	19	and	and	CCONJ
gp-304	140	20	approaches	approach	VERB
gp-304	140	21	the	the	DET
gp-304	140	22	moderate	moderate	ADJ
gp-304	140	23	threshold	threshold	NOUN
gp-304	140	24	of	of	ADP
gp-304	140	25	0.25	0.25	NUM
gp-304	140	26	.	.	PUNCT
gp-304	141	1	effect	effect	NOUN
gp-304	141	2	size	size	NOUN
gp-304	141	3	(	(	PUNCT
gp-304	141	4	f²	f²	NOUN
gp-304	141	5	)	)	PUNCT
gp-304	141	6	effect	effect	NOUN
gp-304	141	7	size	size	NOUN
gp-304	141	8	values	value	NOUN
gp-304	141	9	revealed	reveal	VERB
gp-304	141	10	the	the	DET
gp-304	141	11	relative	relative	ADJ
gp-304	141	12	importance	importance	NOUN
gp-304	141	13	of	of	ADP
gp-304	141	14	each	each	DET
gp-304	141	15	predictor	predictor	NOUN
gp-304	141	16	:	:	PUNCT
gp-304	141	17	table	table	NOUN
gp-304	141	18	5	5	NUM
gp-304	141	19	.	.	PUNCT
gp-304	141	20	effect	effect	NOUN
gp-304	141	21	size	size	NOUN
gp-304	141	22	analysis	analysis	NOUN
gp-304	141	23	variable	variable	ADJ
gp-304	141	24	f²	f²	PROPN
gp-304	141	25	value	value	NOUN
gp-304	141	26	effect	effect	NOUN
gp-304	141	27	size	size	NOUN
gp-304	141	28	category	category	NOUN
gp-304	141	29	financial	financial	ADJ
gp-304	141	30	literacy	literacy	NOUN
gp-304	141	31	0.109	0.109	NUM
gp-304	141	32	small	small	ADJ
gp-304	141	33	to	to	ADP
gp-304	141	34	medium	medium	ADJ
gp-304	141	35	financial	financial	ADJ
gp-304	141	36	technology	technology	NOUN
gp-304	141	37	literacy	literacy	NOUN
gp-304	141	38	0.087	0.087	NUM
gp-304	141	39	small	small	ADJ
gp-304	141	40	risk	risk	NOUN
gp-304	141	41	perception	perception	NOUN
gp-304	141	42	0.104	0.104	DET
gp-304	141	43	small	small	ADJ
gp-304	141	44	to	to	PART
gp-304	141	45	medium	medium	ADJ
gp-304	141	46	self	self	NOUN
gp-304	141	47	-	-	PUNCT
gp-304	141	48	efficacy	efficacy	NOUN
gp-304	141	49	0.033	0.033	NUM
gp-304	141	50	small	small	ADJ
gp-304	141	51	american	american	ADJ
gp-304	141	52	journal	journal	PROPN
gp-304	141	53	of	of	ADP
gp-304	141	54	economic	economic	ADJ
gp-304	141	55	and	and	CCONJ
gp-304	141	56	management	management	NOUN
gp-304	141	57	business	business	NOUN
gp-304	141	58	vol	vol	NOUN
gp-304	141	59	.	.	PROPN
gp-304	141	60	4	4	NUM
gp-304	141	61	no	no	NOUN
gp-304	141	62	.	.	NOUN
gp-304	141	63	8	8	NUM
gp-304	141	64	agustus	agustus	NOUN
gp-304	141	65	2025	2025	NUM
gp-304	141	66	1397	1397	NUM
gp-304	141	67	hypothesis	hypothesis	NOUN
gp-304	141	68	testing	testing	NOUN
gp-304	141	69	results	result	VERB
gp-304	141	70	partial	partial	ADJ
gp-304	141	71	effects	effect	NOUN
gp-304	141	72	analysis	analysis	NOUN
gp-304	141	73	(	(	PUNCT
gp-304	141	74	t	t	NOUN
gp-304	141	75	-	-	PUNCT
gp-304	141	76	statistics	statistic	NOUN
gp-304	141	77	)	)	PUNCT
gp-304	141	78	the	the	DET
gp-304	141	79	partial	partial	ADJ
gp-304	141	80	effects	effect	NOUN
gp-304	141	81	analysis	analysis	NOUN
gp-304	141	82	examined	examine	VERB
gp-304	141	83	individual	individual	ADJ
gp-304	141	84	variable	variable	ADJ
gp-304	141	85	influences	influence	NOUN
gp-304	141	86	on	on	ADP
gp-304	141	87	investment	investment	NOUN
gp-304	141	88	decisions	decision	NOUN
gp-304	141	89	for	for	ADP
gp-304	141	90	the	the	DET
gp-304	141	91	complete	complete	ADJ
gp-304	141	92	sample	sample	NOUN
gp-304	141	93	and	and	CCONJ
gp-304	141	94	gender	gender	NOUN
gp-304	141	95	subgroups	subgroup	NOUN
gp-304	141	96	.	.	PUNCT
gp-304	142	1	table	table	NOUN
gp-304	142	2	6	6	NUM
gp-304	142	3	.	.	PUNCT
gp-304	143	1	partial	partial	ADJ
gp-304	143	2	effects	effect	NOUN
gp-304	143	3	results	result	VERB
gp-304	143	4	variable	variable	ADJ
gp-304	143	5	complete	complete	ADJ
gp-304	143	6	sample	sample	NOUN
gp-304	143	7	male	male	NOUN
gp-304	143	8	group	group	NOUN
gp-304	143	9	female	female	ADJ
gp-304	143	10	group	group	NOUN
gp-304	143	11	t	t	NOUN
gp-304	143	12	-	-	PUNCT
gp-304	143	13	stat	stat	NOUN
gp-304	143	14	(	(	PUNCT
gp-304	143	15	p	p	NOUN
gp-304	143	16	-	-	PUNCT
gp-304	143	17	value	value	NOUN
gp-304	143	18	)	)	PUNCT
gp-304	143	19	t	t	NOUN
gp-304	143	20	-	-	PUNCT
gp-304	143	21	stat	stat	NOUN
gp-304	143	22	(	(	PUNCT
gp-304	143	23	p	p	NOUN
gp-304	143	24	-	-	PUNCT
gp-304	143	25	value	value	NOUN
gp-304	143	26	)	)	PUNCT
gp-304	143	27	t	t	NOUN
gp-304	143	28	-	-	PUNCT
gp-304	143	29	stat	stat	NOUN
gp-304	143	30	(	(	PUNCT
gp-304	143	31	p	p	NOUN
gp-304	143	32	-	-	PUNCT
gp-304	143	33	value	value	NOUN
gp-304	143	34	)	)	PUNCT
gp-304	143	35	financial	financial	ADJ
gp-304	143	36	literacy	literacy	NOUN
gp-304	143	37	→	→	SYM
gp-304	143	38	investment	investment	NOUN
gp-304	143	39	decision	decision	NOUN
gp-304	143	40	4.971	4.971	NUM
gp-304	143	41	(	(	PUNCT
gp-304	143	42	0.000	0.000	NUM
gp-304	143	43	)	)	PUNCT
gp-304	143	44	*	*	PUNCT
gp-304	144	1	*	*	PUNCT
gp-304	144	2	3.605	3.605	NUM
gp-304	144	3	(	(	PUNCT
gp-304	144	4	0.000	0.000	NUM
gp-304	144	5	)	)	PUNCT
gp-304	144	6	*	*	PUNCT
gp-304	145	1	*	*	PUNCT
gp-304	145	2	3.662	3.662	NUM
gp-304	145	3	(	(	PUNCT
gp-304	145	4	0.000	0.000	NUM
gp-304	145	5	)	)	PUNCT
gp-304	145	6	*	*	PUNCT
gp-304	145	7	*	*	PUNCT
gp-304	145	8	financial	financial	ADJ
gp-304	145	9	technology	technology	NOUN
gp-304	145	10	literacy	literacy	NOUN
gp-304	145	11	→	→	SYM
gp-304	145	12	investment	investment	NOUN
gp-304	145	13	decision	decision	NOUN
gp-304	145	14	4.900	4.900	NUM
gp-304	145	15	(	(	PUNCT
gp-304	145	16	0.000	0.000	NUM
gp-304	145	17	)	)	PUNCT
gp-304	145	18	*	*	PUNCT
gp-304	146	1	*	*	PUNCT
gp-304	146	2	3.992	3.992	NUM
gp-304	146	3	(	(	PUNCT
gp-304	146	4	0.000	0.000	NUM
gp-304	146	5	)	)	PUNCT
gp-304	146	6	*	*	PUNCT
gp-304	147	1	*	*	PUNCT
gp-304	147	2	2.528	2.528	NUM
gp-304	147	3	(	(	PUNCT
gp-304	147	4	0.012	0.012	NUM
gp-304	147	5	)	)	PUNCT
gp-304	147	6	*	*	PUNCT
gp-304	147	7	*	*	PUNCT
gp-304	147	8	risk	risk	NOUN
gp-304	147	9	perception	perception	NOUN
gp-304	147	10	→	→	PUNCT
gp-304	147	11	investment	investment	NOUN
gp-304	147	12	decision	decision	NOUN
gp-304	147	13	5.332	5.332	NUM
gp-304	147	14	(	(	PUNCT
gp-304	147	15	0.000	0.000	NUM
gp-304	147	16	)	)	PUNCT
gp-304	147	17	*	*	PUNCT
gp-304	148	1	*	*	PUNCT
gp-304	148	2	2.115	2.115	NUM
gp-304	148	3	(	(	PUNCT
gp-304	148	4	0.033	0.033	NUM
gp-304	148	5	)	)	PUNCT
gp-304	148	6	*	*	PUNCT
gp-304	149	1	*	*	PUNCT
gp-304	149	2	6.003	6.003	NUM
gp-304	149	3	(	(	PUNCT
gp-304	149	4	0.000	0.000	NUM
gp-304	149	5	)	)	PUNCT
gp-304	149	6	*	*	PUNCT
gp-304	149	7	*	*	PUNCT
gp-304	149	8	self	self	NOUN
gp-304	149	9	-	-	PUNCT
gp-304	149	10	efficacy	efficacy	NOUN
gp-304	149	11	→	→	PUNCT
gp-304	149	12	investment	investment	NOUN
gp-304	149	13	decision	decision	NOUN
gp-304	149	14	3.580	3.580	NUM
gp-304	149	15	(	(	PUNCT
gp-304	149	16	0.000	0.000	NUM
gp-304	149	17	)	)	PUNCT
gp-304	149	18	*	*	PUNCT
gp-304	150	1	*	*	PUNCT
gp-304	150	2	4.337	4.337	NUM
gp-304	150	3	(	(	PUNCT
gp-304	150	4	0.000	0.000	NUM
gp-304	150	5	)	)	PUNCT
gp-304	150	6	*	*	PUNCT
gp-304	150	7	*	*	PUNCT
gp-304	150	8	1.069	1.069	NUM
gp-304	150	9	(	(	PUNCT
gp-304	150	10	0.285	0.285	NUM
gp-304	150	11	)	)	PUNCT
gp-304	150	12	note	note	NOUN
gp-304	150	13	:	:	PUNCT
gp-304	151	1	*	*	PUNCT
gp-304	151	2	*	*	PUNCT
gp-304	151	3	indicates	indicate	VERB
gp-304	151	4	significance	significance	NOUN
gp-304	151	5	at	at	ADP
gp-304	151	6	p	p	X
gp-304	151	7	<	<	X
gp-304	151	8	0.05	0.05	NUM
gp-304	151	9	path	path	NOUN
gp-304	151	10	coefficients	coefficient	VERB
gp-304	151	11	analysis	analysis	NOUN
gp-304	151	12	the	the	DET
gp-304	151	13	path	path	NOUN
gp-304	151	14	coefficients	coefficient	NOUN
gp-304	151	15	reveal	reveal	VERB
gp-304	151	16	the	the	DET
gp-304	151	17	strength	strength	NOUN
gp-304	151	18	and	and	CCONJ
gp-304	151	19	direction	direction	NOUN
gp-304	151	20	of	of	ADP
gp-304	151	21	relationships	relationship	NOUN
gp-304	151	22	:	:	PUNCT
gp-304	151	23	table	table	NOUN
gp-304	151	24	7	7	NUM
gp-304	151	25	.	.	PUNCT
gp-304	151	26	path	path	NOUN
gp-304	151	27	coefficients	coefficient	NOUN
gp-304	151	28	by	by	ADP
gp-304	151	29	gender	gender	NOUN
gp-304	151	30	variable	variable	ADJ
gp-304	151	31	complete	complete	ADJ
gp-304	151	32	sample	sample	NOUN
gp-304	151	33	male	male	NOUN
gp-304	151	34	group	group	NOUN
gp-304	151	35	female	female	ADJ
gp-304	151	36	group	group	NOUN
gp-304	151	37	financial	financial	ADJ
gp-304	151	38	literacy	literacy	NOUN
gp-304	151	39	0.286	0.286	NUM
gp-304	151	40	0.306	0.306	NUM
gp-304	151	41	0.299	0.299	NUM
gp-304	151	42	financial	financial	ADJ
gp-304	151	43	technology	technology	NOUN
gp-304	151	44	literacy	literacy	NOUN
gp-304	151	45	0.255	0.255	NUM
gp-304	151	46	0.290	0.290	NUM
gp-304	151	47	0.190	0.190	NUM
gp-304	151	48	risk	risk	NOUN
gp-304	151	49	perception	perception	NOUN
gp-304	151	50	0.284	0.284	NUM
gp-304	151	51	0.174	0.174	NUM
gp-304	151	52	0.413	0.413	NUM
gp-304	151	53	self	self	NOUN
gp-304	151	54	-	-	PUNCT
gp-304	151	55	efficacy	efficacy	NOUN
gp-304	151	56	0.135	0.135	NUM
gp-304	151	57	0.196	0.196	NUM
gp-304	151	58	0.060	0.060	NUM
gp-304	151	59	simultaneous	simultaneous	ADJ
gp-304	151	60	effects	effect	NOUN
gp-304	151	61	analysis	analysis	NOUN
gp-304	151	62	(	(	PUNCT
gp-304	151	63	f	f	X
gp-304	151	64	-	-	PUNCT
gp-304	151	65	statistics	statistic	NOUN
gp-304	151	66	)	)	PUNCT
gp-304	151	67	f	f	X
gp-304	151	68	-	-	PUNCT
gp-304	151	69	test	test	NOUN
gp-304	151	70	results	result	NOUN
gp-304	151	71	demonstrate	demonstrate	VERB
gp-304	151	72	the	the	DET
gp-304	151	73	collective	collective	ADJ
gp-304	151	74	influence	influence	NOUN
gp-304	151	75	of	of	ADP
gp-304	151	76	all	all	DET
gp-304	151	77	predictor	predictor	NOUN
gp-304	151	78	variables	variable	NOUN
gp-304	151	79	:	:	PUNCT
gp-304	151	80	table	table	NOUN
gp-304	151	81	8	8	NUM
gp-304	151	82	.	.	PUNCT
gp-304	152	1	f	f	X
gp-304	152	2	-	-	PUNCT
gp-304	152	3	statistics	statistic	NOUN
gp-304	152	4	results	result	VERB
gp-304	152	5	group	group	NOUN
gp-304	152	6	f	f	NOUN
gp-304	152	7	-	-	PUNCT
gp-304	152	8	statistic	statistic	ADJ
gp-304	152	9	p	p	ADJ
gp-304	152	10	-	-	PUNCT
gp-304	152	11	value	value	NOUN
gp-304	152	12	decision	decision	NOUN
gp-304	152	13	complete	complete	ADJ
gp-304	152	14	sample	sample	NOUN
gp-304	152	15	238.472	238.472	NUM
gp-304	152	16	0.000	0.000	NUM
gp-304	152	17	significant	significant	ADJ
gp-304	152	18	male	male	ADJ
gp-304	152	19	group	group	NOUN
gp-304	152	20	163.856	163.856	NUM
gp-304	152	21	0.000	0.000	NUM
gp-304	152	22	significant	significant	ADJ
gp-304	152	23	female	female	ADJ
gp-304	152	24	group	group	NOUN
gp-304	152	25	78.708	78.708	NUM
gp-304	152	26	0.000	0.000	NUM
gp-304	152	27	significant	significant	ADJ
gp-304	152	28	multi	multi	ADJ
gp-304	152	29	-	-	ADJ
gp-304	152	30	group	group	ADJ
gp-304	152	31	analysis	analysis	NOUN
gp-304	152	32	(	(	PUNCT
gp-304	152	33	pls	pls	INTJ
gp-304	152	34	-	-	PUNCT
gp-304	152	35	mga	mga	PROPN
gp-304	152	36	)	)	PUNCT
gp-304	152	37	the	the	DET
gp-304	152	38	pls	pls	PROPN
gp-304	152	39	-	-	PUNCT
gp-304	152	40	mga	mga	PROPN
gp-304	152	41	tested	test	VERB
gp-304	152	42	for	for	ADP
gp-304	152	43	significant	significant	ADJ
gp-304	152	44	differences	difference	NOUN
gp-304	152	45	between	between	ADP
gp-304	152	46	gender	gender	NOUN
gp-304	152	47	groups	group	NOUN
gp-304	152	48	using	use	VERB
gp-304	152	49	the	the	DET
gp-304	152	50	following	follow	VERB
gp-304	152	51	approach	approach	NOUN
gp-304	152	52	:	:	PUNCT
gp-304	152	53	american	american	PROPN
gp-304	152	54	journal	journal	PROPN
gp-304	152	55	of	of	ADP
gp-304	152	56	economic	economic	ADJ
gp-304	152	57	and	and	CCONJ
gp-304	152	58	management	management	NOUN
gp-304	152	59	business	business	NOUN
gp-304	152	60	vol	vol	NOUN
gp-304	152	61	.	.	PROPN
gp-304	153	1	4	4	NUM
gp-304	153	2	no	no	NOUN
gp-304	153	3	.	.	NOUN
gp-304	153	4	8	8	NUM
gp-304	153	5	agustus	agustus	NOUN
gp-304	153	6	2025	2025	NUM
gp-304	153	7	1398	1398	NUM
gp-304	153	8	table	table	NOUN
gp-304	153	9	9	9	NUM
gp-304	153	10	.	.	PUNCT
gp-304	154	1	multi	multi	ADJ
gp-304	154	2	-	-	ADJ
gp-304	154	3	group	group	NOUN
gp-304	154	4	analysis	analysis	NOUN
gp-304	154	5	results	result	VERB
gp-304	154	6	variable	variable	ADJ
gp-304	154	7	path	path	NOUN
gp-304	154	8	difference	difference	NOUN
gp-304	154	9	(	(	PUNCT
gp-304	154	10	male	male	NOUN
gp-304	154	11	-	-	PUNCT
gp-304	154	12	female	female	NOUN
gp-304	154	13	)	)	PUNCT
gp-304	154	14	p	p	NOUN
gp-304	154	15	-	-	PUNCT
gp-304	154	16	value	value	NOUN
gp-304	154	17	(	(	PUNCT
gp-304	154	18	original	original	ADJ
gp-304	154	19	)	)	PUNCT
gp-304	154	20	p	p	NOUN
gp-304	154	21	-	-	PUNCT
gp-304	154	22	value	value	NOUN
gp-304	154	23	(	(	PUNCT
gp-304	154	24	new	new	ADJ
gp-304	154	25	)	)	PUNCT
gp-304	154	26	significance	significance	NOUN
gp-304	154	27	financial	financial	ADJ
gp-304	154	28	literacy	literacy	NOUN
gp-304	154	29	0.003	0.003	NUM
gp-304	154	30	0.492	0.492	NUM
gp-304	154	31	0.983	0.983	NUM
gp-304	154	32	not	not	PART
gp-304	154	33	significant	significant	ADJ
gp-304	154	34	financial	financial	ADJ
gp-304	154	35	technology	technology	NOUN
gp-304	154	36	literacy	literacy	NOUN
gp-304	154	37	0.105	0.105	NUM
gp-304	154	38	0.155	0.155	NUM
gp-304	154	39	0.309	0.309	NUM
gp-304	154	40	not	not	PART
gp-304	154	41	significant	significant	ADJ
gp-304	154	42	risk	risk	NOUN
gp-304	154	43	perception	perception	NOUN
gp-304	154	44	-0.243	-0.243	PUNCT
gp-304	154	45	0.980	0.980	NUM
gp-304	154	46	0.020	0.020	NUM
gp-304	154	47	significant	significant	ADJ
gp-304	154	48	self	self	NOUN
gp-304	154	49	-	-	PUNCT
gp-304	154	50	efficacy	efficacy	NOUN
gp-304	154	51	0.139	0.139	NUM
gp-304	154	52	0.028	0.028	NUM
gp-304	154	53	0.057	0.057	NUM
gp-304	154	54	marginally	marginally	ADV
gp-304	154	55	significant	significant	ADJ
gp-304	154	56	discussion	discussion	NOUN
gp-304	154	57	of	of	ADP
gp-304	154	58	findings	finding	NOUN
gp-304	154	59	financial	financial	ADJ
gp-304	154	60	literacy	literacy	NOUN
gp-304	154	61	and	and	CCONJ
gp-304	154	62	investment	investment	NOUN
gp-304	154	63	decisions	decision	NOUN
gp-304	154	64	the	the	DET
gp-304	154	65	significant	significant	ADJ
gp-304	154	66	positive	positive	ADJ
gp-304	154	67	influence	influence	NOUN
gp-304	154	68	of	of	ADP
gp-304	154	69	financial	financial	ADJ
gp-304	154	70	literacy	literacy	NOUN
gp-304	154	71	on	on	ADP
gp-304	154	72	investment	investment	NOUN
gp-304	154	73	decisions	decision	NOUN
gp-304	154	74	(	(	PUNCT
gp-304	154	75	β=0.286	β=0.286	NUM
gp-304	154	76	,	,	PUNCT
gp-304	154	77	t=4.971	t=4.971	ADJ
gp-304	154	78	,	,	PUNCT
gp-304	154	79	p<0.001	p<0.001	PROPN
gp-304	154	80	)	)	PUNCT
gp-304	154	81	confirms	confirm	VERB
gp-304	154	82	h1	h1	ADJ
gp-304	154	83	and	and	CCONJ
gp-304	154	84	aligns	align	VERB
gp-304	154	85	with	with	ADP
gp-304	154	86	established	establish	VERB
gp-304	154	87	literature	literature	NOUN
gp-304	154	88	.	.	PUNCT
gp-304	155	1	this	this	DET
gp-304	155	2	finding	finding	NOUN
gp-304	155	3	supports	support	VERB
gp-304	155	4	lusardi	lusardi	NOUN
gp-304	155	5	and	and	CCONJ
gp-304	155	6	mitchell	mitchell	PROPN
gp-304	155	7	(	(	PUNCT
gp-304	155	8	2023	2023	NUM
gp-304	155	9	)	)	PUNCT
gp-304	155	10	and	and	CCONJ
gp-304	155	11	chandra	chandra	PROPN
gp-304	155	12	et	et	PROPN
gp-304	155	13	al	al	PROPN
gp-304	155	14	.	.	PROPN
gp-304	156	1	(	(	PUNCT
gp-304	156	2	2023	2023	NUM
gp-304	156	3	)	)	PUNCT
gp-304	156	4	,	,	PUNCT
gp-304	156	5	who	who	PRON
gp-304	156	6	demonstrated	demonstrate	VERB
gp-304	156	7	that	that	SCONJ
gp-304	156	8	individuals	individual	NOUN
gp-304	156	9	with	with	ADP
gp-304	156	10	higher	high	ADJ
gp-304	156	11	financial	financial	ADJ
gp-304	156	12	literacy	literacy	NOUN
gp-304	156	13	make	make	VERB
gp-304	156	14	more	more	ADV
gp-304	156	15	rational	rational	ADJ
gp-304	156	16	and	and	CCONJ
gp-304	156	17	effective	effective	ADJ
gp-304	156	18	investment	investment	NOUN
gp-304	156	19	decisions	decision	NOUN
gp-304	156	20	.	.	PUNCT
gp-304	157	1	the	the	DET
gp-304	157	2	consistency	consistency	NOUN
gp-304	157	3	of	of	ADP
gp-304	157	4	this	this	DET
gp-304	157	5	relationship	relationship	NOUN
gp-304	157	6	across	across	ADP
gp-304	157	7	both	both	DET
gp-304	157	8	gender	gender	NOUN
gp-304	157	9	groups	group	NOUN
gp-304	157	10	(	(	PUNCT
gp-304	157	11	males	male	NOUN
gp-304	157	12	:	:	PUNCT
gp-304	157	13	β=0.306	β=0.306	NUM
gp-304	157	14	,	,	PUNCT
gp-304	157	15	females	female	NOUN
gp-304	157	16	:	:	PUNCT
gp-304	157	17	β=0.299	β=0.299	NUM
gp-304	157	18	)	)	PUNCT
gp-304	157	19	suggests	suggest	VERB
gp-304	157	20	that	that	SCONJ
gp-304	157	21	financial	financial	ADJ
gp-304	157	22	knowledge	knowledge	NOUN
gp-304	157	23	serves	serve	VERB
gp-304	157	24	as	as	ADP
gp-304	157	25	a	a	DET
gp-304	157	26	universal	universal	ADJ
gp-304	157	27	foundation	foundation	NOUN
gp-304	157	28	for	for	ADP
gp-304	157	29	investment	investment	NOUN
gp-304	157	30	decision	decision	NOUN
gp-304	157	31	-	-	PUNCT
gp-304	157	32	making	making	NOUN
gp-304	157	33	,	,	PUNCT
gp-304	157	34	regardless	regardless	ADV
gp-304	157	35	of	of	ADP
gp-304	157	36	gender	gender	NOUN
gp-304	157	37	.	.	PUNCT
gp-304	158	1	interestingly	interestingly	ADV
gp-304	158	2	,	,	PUNCT
gp-304	158	3	the	the	DET
gp-304	158	4	absence	absence	NOUN
gp-304	158	5	of	of	ADP
gp-304	158	6	significant	significant	ADJ
gp-304	158	7	gender	gender	NOUN
gp-304	158	8	differences	difference	NOUN
gp-304	158	9	in	in	ADP
gp-304	158	10	financial	financial	ADJ
gp-304	158	11	literacy	literacy	NOUN
gp-304	158	12	's	's	PART
gp-304	158	13	influence	influence	NOUN
gp-304	158	14	(	(	PUNCT
gp-304	158	15	p=0.983	p=0.983	NOUN
gp-304	158	16	)	)	PUNCT
gp-304	158	17	contradicts	contradict	VERB
gp-304	158	18	some	some	DET
gp-304	158	19	previous	previous	ADJ
gp-304	158	20	research	research	NOUN
gp-304	158	21	,	,	PUNCT
gp-304	158	22	such	such	ADJ
gp-304	158	23	as	as	ADP
gp-304	158	24	aren	aren	ADV
gp-304	158	25	and	and	CCONJ
gp-304	158	26	zengin	zengin	VERB
gp-304	158	27	(	(	PUNCT
gp-304	158	28	2016	2016	NUM
gp-304	158	29	)	)	PUNCT
gp-304	158	30	,	,	PUNCT
gp-304	158	31	who	who	PRON
gp-304	158	32	found	find	VERB
gp-304	158	33	genderbased	genderbase	VERB
gp-304	158	34	differences	difference	NOUN
gp-304	158	35	in	in	ADP
gp-304	158	36	financial	financial	ADJ
gp-304	158	37	literacy	literacy	NOUN
gp-304	158	38	effects	effect	NOUN
gp-304	158	39	.	.	PUNCT
gp-304	159	1	this	this	DET
gp-304	159	2	finding	finding	NOUN
gp-304	159	3	may	may	AUX
gp-304	159	4	reflect	reflect	VERB
gp-304	159	5	the	the	DET
gp-304	159	6	specific	specific	ADJ
gp-304	159	7	characteristics	characteristic	NOUN
gp-304	159	8	of	of	ADP
gp-304	159	9	maluku	maluku	PROPN
gp-304	159	10	's	's	PART
gp-304	159	11	investor	investor	NOUN
gp-304	159	12	population	population	NOUN
gp-304	159	13	,	,	PUNCT
gp-304	159	14	many	many	ADJ
gp-304	159	15	of	of	ADP
gp-304	159	16	whom	whom	PRON
gp-304	159	17	have	have	AUX
gp-304	159	18	participated	participate	VERB
gp-304	159	19	in	in	ADP
gp-304	159	20	financial	financial	ADJ
gp-304	159	21	education	education	NOUN
gp-304	159	22	programs	program	NOUN
gp-304	159	23	offered	offer	VERB
gp-304	159	24	by	by	ADP
gp-304	159	25	indonesia	indonesia	PROPN
gp-304	159	26	stock	stock	PROPN
gp-304	159	27	exchange	exchange	PROPN
gp-304	159	28	's	's	PART
gp-304	159	29	galeri	galeri	PROPN
gp-304	159	30	investasi	investasi	NOUN
gp-304	159	31	,	,	PUNCT
gp-304	159	32	potentially	potentially	ADV
gp-304	159	33	equalizing	equalize	VERB
gp-304	159	34	financial	financial	ADJ
gp-304	159	35	knowledge	knowledge	NOUN
gp-304	159	36	across	across	ADP
gp-304	159	37	genders	gender	NOUN
gp-304	159	38	.	.	PUNCT
gp-304	160	1	financial	financial	ADJ
gp-304	160	2	technology	technology	NOUN
gp-304	160	3	literacy	literacy	NOUN
gp-304	160	4	and	and	CCONJ
gp-304	160	5	investment	investment	NOUN
gp-304	160	6	decisions	decision	NOUN
gp-304	160	7	financial	financial	ADJ
gp-304	160	8	technology	technology	NOUN
gp-304	160	9	literacy	literacy	NOUN
gp-304	160	10	significantly	significantly	ADV
gp-304	160	11	influences	influence	VERB
gp-304	160	12	investment	investment	NOUN
gp-304	160	13	decisions	decision	NOUN
gp-304	160	14	(	(	PUNCT
gp-304	160	15	β=0.255	β=0.255	X
gp-304	160	16	,	,	PUNCT
gp-304	160	17	t=4.900	t=4.900	X
gp-304	160	18	,	,	PUNCT
gp-304	160	19	p<0.001	p<0.001	PROPN
gp-304	160	20	)	)	PUNCT
gp-304	160	21	,	,	PUNCT
gp-304	160	22	supporting	support	VERB
gp-304	160	23	h5	h5	NOUN
gp-304	160	24	.	.	PUNCT
gp-304	161	1	this	this	DET
gp-304	161	2	finding	finding	NOUN
gp-304	161	3	validates	validate	VERB
gp-304	161	4	the	the	DET
gp-304	161	5	technology	technology	NOUN
gp-304	161	6	acceptance	acceptance	NOUN
gp-304	161	7	model	model	NOUN
gp-304	161	8	's	's	PART
gp-304	161	9	application	application	NOUN
gp-304	161	10	to	to	ADP
gp-304	161	11	investment	investment	NOUN
gp-304	161	12	contexts	contexts	NOUN
gp-304	161	13	,	,	PUNCT
gp-304	161	14	where	where	SCONJ
gp-304	161	15	perceived	perceive	VERB
gp-304	161	16	usefulness	usefulness	NOUN
gp-304	161	17	and	and	CCONJ
gp-304	161	18	ease	ease	NOUN
gp-304	161	19	of	of	ADP
gp-304	161	20	use	use	NOUN
gp-304	161	21	drive	drive	NOUN
gp-304	161	22	technology	technology	NOUN
gp-304	161	23	adoption	adoption	NOUN
gp-304	161	24	in	in	ADP
gp-304	161	25	financial	financial	ADJ
gp-304	161	26	decision	decision	NOUN
gp-304	161	27	-	-	PUNCT
gp-304	161	28	making	making	NOUN
gp-304	161	29	.	.	PUNCT
gp-304	162	1	the	the	DET
gp-304	162	2	influence	influence	NOUN
gp-304	162	3	remains	remain	VERB
gp-304	162	4	significant	significant	ADJ
gp-304	162	5	across	across	ADP
gp-304	162	6	both	both	DET
gp-304	162	7	genders	gender	NOUN
gp-304	162	8	,	,	PUNCT
gp-304	162	9	though	though	SCONJ
gp-304	162	10	stronger	strong	ADJ
gp-304	162	11	for	for	ADP
gp-304	162	12	males	male	NOUN
gp-304	162	13	(	(	PUNCT
gp-304	162	14	β=0.290	β=0.290	NUM
gp-304	162	15	)	)	PUNCT
gp-304	162	16	than	than	ADP
gp-304	162	17	females	female	NOUN
gp-304	162	18	(	(	PUNCT
gp-304	162	19	β=0.190	β=0.190	X
gp-304	162	20	)	)	PUNCT
gp-304	162	21	.	.	PUNCT
gp-304	163	1	the	the	DET
gp-304	163	2	lack	lack	NOUN
gp-304	163	3	of	of	ADP
gp-304	163	4	significant	significant	ADJ
gp-304	163	5	gender	gender	NOUN
gp-304	163	6	differences	difference	NOUN
gp-304	163	7	(	(	PUNCT
gp-304	163	8	p=0.309	p=0.309	NOUN
gp-304	163	9	)	)	PUNCT
gp-304	163	10	in	in	ADP
gp-304	163	11	financial	financial	ADJ
gp-304	163	12	technology	technology	NOUN
gp-304	163	13	literacy	literacy	NOUN
gp-304	163	14	's	's	PART
gp-304	163	15	influence	influence	NOUN
gp-304	163	16	suggests	suggest	VERB
gp-304	163	17	that	that	SCONJ
gp-304	163	18	digital	digital	ADJ
gp-304	163	19	financial	financial	ADJ
gp-304	163	20	services	service	NOUN
gp-304	163	21	adoption	adoption	NOUN
gp-304	163	22	has	have	AUX
gp-304	163	23	become	become	VERB
gp-304	163	24	more	more	ADJ
gp-304	163	25	gender	gender	NOUN
gp-304	163	26	-	-	PUNCT
gp-304	163	27	neutral	neutral	ADJ
gp-304	163	28	in	in	ADP
gp-304	163	29	recent	recent	ADJ
gp-304	163	30	years	year	NOUN
gp-304	163	31	.	.	PUNCT
gp-304	164	1	this	this	DET
gp-304	164	2	finding	finding	NOUN
gp-304	164	3	challenges	challenge	VERB
gp-304	164	4	traditional	traditional	ADJ
gp-304	164	5	assumptions	assumption	NOUN
gp-304	164	6	about	about	ADP
gp-304	164	7	gender	gender	NOUN
gp-304	164	8	-	-	PUNCT
gp-304	164	9	based	base	VERB
gp-304	164	10	technology	technology	NOUN
gp-304	164	11	adoption	adoption	NOUN
gp-304	164	12	differences	difference	NOUN
gp-304	164	13	and	and	CCONJ
gp-304	164	14	may	may	AUX
gp-304	164	15	reflect	reflect	VERB
gp-304	164	16	the	the	DET
gp-304	164	17	increasing	increase	VERB
gp-304	164	18	digitalization	digitalization	NOUN
gp-304	164	19	of	of	ADP
gp-304	164	20	financial	financial	ADJ
gp-304	164	21	services	service	NOUN
gp-304	164	22	in	in	ADP
gp-304	164	23	indonesia	indonesia	PROPN
gp-304	164	24	(	(	PUNCT
gp-304	164	25	erlando	erlando	PROPN
gp-304	164	26	et	et	PROPN
gp-304	164	27	al	al	PROPN
gp-304	164	28	.	.	PROPN
gp-304	164	29	,	,	PUNCT
gp-304	164	30	2020	2020	NUM
gp-304	164	31	)	)	PUNCT
gp-304	164	32	.	.	PUNCT
gp-304	165	1	risk	risk	NOUN
gp-304	165	2	perception	perception	NOUN
gp-304	165	3	and	and	CCONJ
gp-304	165	4	investment	investment	NOUN
gp-304	165	5	decisions	decision	NOUN
gp-304	165	6	risk	risk	NOUN
gp-304	165	7	perception	perception	NOUN
gp-304	165	8	demonstrates	demonstrate	VERB
gp-304	165	9	the	the	DET
gp-304	165	10	strongest	strong	ADJ
gp-304	165	11	overall	overall	ADJ
gp-304	165	12	influence	influence	NOUN
gp-304	165	13	on	on	ADP
gp-304	165	14	investment	investment	NOUN
gp-304	165	15	decisions	decision	NOUN
gp-304	165	16	(	(	PUNCT
gp-304	165	17	β=0.284	β=0.284	NUM
gp-304	165	18	,	,	PUNCT
gp-304	165	19	t=5.332	t=5.332	ADP
gp-304	165	20	,	,	PUNCT
gp-304	165	21	p<0.001	p<0.001	PROPN
gp-304	165	22	)	)	PUNCT
gp-304	165	23	,	,	PUNCT
gp-304	165	24	confirming	confirm	VERB
gp-304	165	25	h9	h9	NOUN
gp-304	165	26	.	.	PUNCT
gp-304	166	1	more	more	ADV
gp-304	166	2	importantly	importantly	ADV
gp-304	166	3	,	,	PUNCT
gp-304	166	4	this	this	DET
gp-304	166	5	study	study	NOUN
gp-304	166	6	reveals	reveal	VERB
gp-304	166	7	significant	significant	ADJ
gp-304	166	8	american	american	ADJ
gp-304	166	9	journal	journal	NOUN
gp-304	166	10	of	of	ADP
gp-304	166	11	economic	economic	ADJ
gp-304	166	12	and	and	CCONJ
gp-304	166	13	management	management	NOUN
gp-304	166	14	business	business	NOUN
gp-304	166	15	vol	vol	NOUN
gp-304	166	16	.	.	PROPN
gp-304	167	1	4	4	NUM
gp-304	168	1	no	no	NOUN
gp-304	168	2	.	.	NOUN
gp-304	168	3	8	8	NUM
gp-304	168	4	agustus	agustus	NOUN
gp-304	168	5	2025	2025	NUM
gp-304	168	6	1399	1399	NUM
gp-304	168	7	gender	gender	NOUN
gp-304	168	8	differences	difference	NOUN
gp-304	168	9	in	in	ADP
gp-304	168	10	risk	risk	NOUN
gp-304	168	11	perception	perception	NOUN
gp-304	168	12	's	's	PART
gp-304	168	13	influence	influence	NOUN
gp-304	168	14	(	(	PUNCT
gp-304	168	15	p=0.020	p=0.020	ADV
gp-304	168	16	)	)	PUNCT
gp-304	168	17	,	,	PUNCT
gp-304	168	18	supporting	support	VERB
gp-304	168	19	h12	h12	NOUN
gp-304	168	20	.	.	PUNCT
gp-304	169	1	female	female	ADJ
gp-304	169	2	investors	investor	NOUN
gp-304	169	3	show	show	VERB
gp-304	169	4	substantially	substantially	ADV
gp-304	169	5	stronger	strong	ADJ
gp-304	169	6	sensitivity	sensitivity	NOUN
gp-304	169	7	to	to	PART
gp-304	169	8	risk	risk	VERB
gp-304	169	9	perception	perception	NOUN
gp-304	169	10	(	(	PUNCT
gp-304	169	11	β=0.413	β=0.413	ADP
gp-304	169	12	)	)	PUNCT
gp-304	169	13	compared	compare	VERB
gp-304	169	14	to	to	ADP
gp-304	169	15	males	male	NOUN
gp-304	169	16	(	(	PUNCT
gp-304	169	17	β=0.174	β=0.174	NUM
gp-304	169	18	)	)	PUNCT
gp-304	169	19	.	.	PUNCT
gp-304	170	1	this	this	DET
gp-304	170	2	finding	find	VERB
gp-304	170	3	strongly	strongly	ADV
gp-304	170	4	supports	support	VERB
gp-304	170	5	cupak	cupak	PROPN
gp-304	170	6	et	et	PROPN
gp-304	170	7	al	al	PROPN
gp-304	170	8	.	.	PROPN
gp-304	171	1	(	(	PUNCT
gp-304	171	2	2022	2022	NUM
gp-304	171	3	)	)	PUNCT
gp-304	171	4	and	and	CCONJ
gp-304	171	5	qibthiyah	qibthiyah	NOUN
gp-304	171	6	et	et	PROPN
gp-304	171	7	al	al	PROPN
gp-304	171	8	.	.	PROPN
gp-304	172	1	(	(	PUNCT
gp-304	172	2	2024	2024	NUM
gp-304	172	3	)	)	PUNCT
gp-304	172	4	research	research	NOUN
gp-304	172	5	indicating	indicate	VERB
gp-304	172	6	that	that	SCONJ
gp-304	172	7	women	woman	NOUN
gp-304	172	8	are	be	AUX
gp-304	172	9	more	more	ADJ
gp-304	172	10	risk	risk	NOUN
gp-304	172	11	-	-	PUNCT
gp-304	172	12	averse	averse	ADJ
gp-304	172	13	and	and	CCONJ
gp-304	172	14	place	place	VERB
gp-304	172	15	greater	great	ADJ
gp-304	172	16	emphasis	emphasis	NOUN
gp-304	172	17	on	on	ADP
gp-304	172	18	risk	risk	NOUN
gp-304	172	19	considerations	consideration	NOUN
gp-304	172	20	in	in	ADP
gp-304	172	21	investment	investment	NOUN
gp-304	172	22	decisions	decision	NOUN
gp-304	172	23	.	.	PUNCT
gp-304	173	1	the	the	DET
gp-304	173	2	behavioral	behavioral	ADJ
gp-304	173	3	explanation	explanation	NOUN
gp-304	173	4	lies	lie	VERB
gp-304	173	5	in	in	ADP
gp-304	173	6	prospect	prospect	NOUN
gp-304	173	7	theory	theory	NOUN
gp-304	173	8	's	's	PART
gp-304	173	9	loss	loss	NOUN
gp-304	173	10	aversion	aversion	NOUN
gp-304	173	11	principle	principle	NOUN
gp-304	173	12	,	,	PUNCT
gp-304	173	13	where	where	SCONJ
gp-304	173	14	women	woman	NOUN
gp-304	173	15	typically	typically	ADV
gp-304	173	16	exhibit	exhibit	VERB
gp-304	173	17	stronger	strong	ADJ
gp-304	173	18	loss	loss	NOUN
gp-304	173	19	aversion	aversion	NOUN
gp-304	173	20	than	than	ADP
gp-304	173	21	men	man	NOUN
gp-304	173	22	,	,	PUNCT
gp-304	173	23	making	make	VERB
gp-304	173	24	risk	risk	NOUN
gp-304	173	25	assessment	assessment	NOUN
gp-304	173	26	more	more	ADV
gp-304	173	27	central	central	ADJ
gp-304	173	28	to	to	ADP
gp-304	173	29	their	their	PRON
gp-304	173	30	decision	decision	NOUN
gp-304	173	31	-	-	PUNCT
gp-304	173	32	making	make	VERB
gp-304	173	33	process	process	NOUN
gp-304	173	34	.	.	PUNCT
gp-304	174	1	self	self	NOUN
gp-304	174	2	-	-	PUNCT
gp-304	174	3	efficacy	efficacy	NOUN
gp-304	174	4	and	and	CCONJ
gp-304	174	5	investment	investment	NOUN
gp-304	174	6	decisions	decision	NOUN
gp-304	174	7	self	self	NOUN
gp-304	174	8	-	-	PUNCT
gp-304	174	9	efficacy	efficacy	NOUN
gp-304	174	10	shows	show	VERB
gp-304	174	11	significant	significant	ADJ
gp-304	174	12	influence	influence	NOUN
gp-304	174	13	on	on	ADP
gp-304	174	14	investment	investment	NOUN
gp-304	174	15	decisions	decision	NOUN
gp-304	174	16	for	for	ADP
gp-304	174	17	the	the	DET
gp-304	174	18	complete	complete	ADJ
gp-304	174	19	sample	sample	NOUN
gp-304	174	20	(	(	PUNCT
gp-304	174	21	β=0.135	β=0.135	X
gp-304	174	22	,	,	PUNCT
gp-304	174	23	t=3.580	t=3.580	NOUN
gp-304	174	24	,	,	PUNCT
gp-304	174	25	p<0.001	p<0.001	PROPN
gp-304	174	26	)	)	PUNCT
gp-304	174	27	and	and	CCONJ
gp-304	174	28	male	male	ADJ
gp-304	174	29	subgroup	subgroup	NOUN
gp-304	174	30	(	(	PUNCT
gp-304	174	31	β=0.196	β=0.196	X
gp-304	174	32	,	,	PUNCT
gp-304	174	33	t=4.337	t=4.337	NUM
gp-304	174	34	,	,	PUNCT
gp-304	174	35	p<0.001	p<0.001	PROPN
gp-304	174	36	)	)	PUNCT
gp-304	174	37	,	,	PUNCT
gp-304	174	38	but	but	CCONJ
gp-304	174	39	not	not	PART
gp-304	174	40	for	for	ADP
gp-304	174	41	females	female	NOUN
gp-304	174	42	(	(	PUNCT
gp-304	174	43	β=0.060	β=0.060	NOUN
gp-304	174	44	,	,	PUNCT
gp-304	174	45	t=1.069	t=1.069	X
gp-304	174	46	,	,	PUNCT
gp-304	174	47	p=0.285	p=0.285	NUM
gp-304	174	48	)	)	PUNCT
gp-304	174	49	.	.	PUNCT
gp-304	175	1	this	this	DET
gp-304	175	2	gender	gender	NOUN
gp-304	175	3	disparity	disparity	NOUN
gp-304	175	4	represents	represent	VERB
gp-304	175	5	one	one	NUM
gp-304	175	6	of	of	ADP
gp-304	175	7	the	the	DET
gp-304	175	8	study	study	NOUN
gp-304	175	9	's	's	PART
gp-304	175	10	most	most	ADV
gp-304	175	11	intriguing	intriguing	ADJ
gp-304	175	12	findings	finding	NOUN
gp-304	175	13	.	.	PUNCT
gp-304	176	1	the	the	DET
gp-304	176	2	lack	lack	NOUN
gp-304	176	3	of	of	ADP
gp-304	176	4	self	self	NOUN
gp-304	176	5	-	-	PUNCT
gp-304	176	6	efficacy	efficacy	NOUN
gp-304	176	7	's	's	PART
gp-304	176	8	influence	influence	NOUN
gp-304	176	9	on	on	ADP
gp-304	176	10	female	female	ADJ
gp-304	176	11	investment	investment	NOUN
gp-304	176	12	decisions	decision	NOUN
gp-304	176	13	contradicts	contradict	VERB
gp-304	176	14	some	some	DET
gp-304	176	15	previous	previous	ADJ
gp-304	176	16	research	research	NOUN
gp-304	176	17	,	,	PUNCT
gp-304	176	18	such	such	ADJ
gp-304	176	19	as	as	ADP
gp-304	176	20	farrell	farrell	PROPN
gp-304	176	21	et	et	PROPN
gp-304	176	22	al	al	PROPN
gp-304	176	23	.	.	PROPN
gp-304	177	1	(	(	PUNCT
gp-304	177	2	2016	2016	NUM
gp-304	177	3	)	)	PUNCT
gp-304	177	4	,	,	PUNCT
gp-304	177	5	who	who	PRON
gp-304	177	6	found	find	VERB
gp-304	177	7	that	that	SCONJ
gp-304	177	8	women	woman	NOUN
gp-304	177	9	with	with	ADP
gp-304	177	10	high	high	ADJ
gp-304	177	11	financial	financial	ADJ
gp-304	177	12	selfefficacy	selfefficacy	NOUN
gp-304	177	13	are	be	AUX
gp-304	177	14	more	more	ADV
gp-304	177	15	likely	likely	ADJ
gp-304	177	16	to	to	PART
gp-304	177	17	engage	engage	VERB
gp-304	177	18	in	in	ADP
gp-304	177	19	financial	financial	ADJ
gp-304	177	20	planning	planning	NOUN
gp-304	177	21	activities	activity	NOUN
gp-304	177	22	.	.	PUNCT
gp-304	178	1	however	however	ADV
gp-304	178	2	,	,	PUNCT
gp-304	178	3	it	it	PRON
gp-304	178	4	aligns	align	VERB
gp-304	178	5	with	with	ADP
gp-304	178	6	studies	study	NOUN
gp-304	178	7	suggesting	suggest	VERB
gp-304	178	8	that	that	SCONJ
gp-304	178	9	women	woman	NOUN
gp-304	178	10	may	may	AUX
gp-304	178	11	rely	rely	VERB
gp-304	178	12	more	more	ADV
gp-304	178	13	heavily	heavily	ADV
gp-304	178	14	on	on	ADP
gp-304	178	15	external	external	ADJ
gp-304	178	16	information	information	NOUN
gp-304	178	17	and	and	CCONJ
gp-304	178	18	expert	expert	NOUN
gp-304	178	19	advice	advice	NOUN
gp-304	178	20	rather	rather	ADV
gp-304	178	21	than	than	ADP
gp-304	178	22	personal	personal	ADJ
gp-304	178	23	confidence	confidence	NOUN
gp-304	178	24	when	when	SCONJ
gp-304	178	25	making	make	VERB
gp-304	178	26	investment	investment	NOUN
gp-304	178	27	decisions	decision	NOUN
gp-304	178	28	.	.	PUNCT
gp-304	179	1	theoretical	theoretical	ADJ
gp-304	179	2	and	and	CCONJ
gp-304	179	3	practical	practical	ADJ
gp-304	179	4	implications	implication	NOUN
gp-304	179	5	from	from	ADP
gp-304	179	6	a	a	DET
gp-304	179	7	theoretical	theoretical	ADJ
gp-304	179	8	perspective	perspective	NOUN
gp-304	179	9	,	,	PUNCT
gp-304	179	10	these	these	DET
gp-304	179	11	findings	finding	NOUN
gp-304	179	12	advance	advance	VERB
gp-304	179	13	behavioral	behavioral	ADJ
gp-304	179	14	finance	finance	NOUN
gp-304	179	15	theory	theory	NOUN
gp-304	179	16	by	by	ADP
gp-304	179	17	demonstrating	demonstrate	VERB
gp-304	179	18	that	that	SCONJ
gp-304	179	19	classical	classical	ADJ
gp-304	179	20	models	model	NOUN
gp-304	179	21	of	of	ADP
gp-304	179	22	investment	investment	NOUN
gp-304	179	23	decision	decision	NOUN
gp-304	179	24	-	-	PUNCT
gp-304	179	25	making	making	NOUN
gp-304	179	26	require	require	VERB
gp-304	179	27	gender	gender	NOUN
gp-304	179	28	-	-	PUNCT
gp-304	179	29	specific	specific	ADJ
gp-304	179	30	adjustments	adjustment	NOUN
gp-304	179	31	.	.	PUNCT
gp-304	180	1	the	the	DET
gp-304	180	2	theory	theory	NOUN
gp-304	180	3	of	of	ADP
gp-304	180	4	planned	plan	VERB
gp-304	180	5	behavior	behavior	NOUN
gp-304	180	6	's	's	PART
gp-304	180	7	applicability	applicability	NOUN
gp-304	180	8	varies	vary	VERB
gp-304	180	9	across	across	ADP
gp-304	180	10	demographic	demographic	ADJ
gp-304	180	11	groups	group	NOUN
gp-304	180	12	,	,	PUNCT
gp-304	180	13	with	with	ADP
gp-304	180	14	risk	risk	NOUN
gp-304	180	15	perception	perception	NOUN
gp-304	180	16	playing	play	VERB
gp-304	180	17	a	a	DET
gp-304	180	18	more	more	ADV
gp-304	180	19	prominent	prominent	ADJ
gp-304	180	20	role	role	NOUN
gp-304	180	21	for	for	ADP
gp-304	180	22	women	woman	NOUN
gp-304	180	23	and	and	CCONJ
gp-304	180	24	self	self	NOUN
gp-304	180	25	-	-	PUNCT
gp-304	180	26	efficacy	efficacy	NOUN
gp-304	180	27	being	be	AUX
gp-304	180	28	more	more	ADV
gp-304	180	29	relevant	relevant	ADJ
gp-304	180	30	for	for	ADP
gp-304	180	31	men	man	NOUN
gp-304	180	32	.	.	PUNCT
gp-304	181	1	practically	practically	ADV
gp-304	181	2	,	,	PUNCT
gp-304	181	3	these	these	DET
gp-304	181	4	findings	finding	NOUN
gp-304	181	5	have	have	VERB
gp-304	181	6	significant	significant	ADJ
gp-304	181	7	implications	implication	NOUN
gp-304	181	8	for	for	ADP
gp-304	181	9	financial	financial	ADJ
gp-304	181	10	education	education	NOUN
gp-304	181	11	and	and	CCONJ
gp-304	181	12	product	product	NOUN
gp-304	181	13	development	development	NOUN
gp-304	181	14	.	.	PUNCT
gp-304	182	1	risk	risk	NOUN
gp-304	182	2	management	management	NOUN
gp-304	182	3	education	education	NOUN
gp-304	182	4	should	should	AUX
gp-304	182	5	be	be	AUX
gp-304	182	6	prioritized	prioritize	VERB
gp-304	182	7	for	for	ADP
gp-304	182	8	female	female	ADJ
gp-304	182	9	investors	investor	NOUN
gp-304	182	10	,	,	PUNCT
gp-304	182	11	while	while	SCONJ
gp-304	182	12	confidence	confidence	NOUN
gp-304	182	13	-	-	PUNCT
gp-304	182	14	building	building	NOUN
gp-304	182	15	programs	program	NOUN
gp-304	182	16	may	may	AUX
gp-304	182	17	be	be	AUX
gp-304	182	18	more	more	ADV
gp-304	182	19	beneficial	beneficial	ADJ
gp-304	182	20	for	for	ADP
gp-304	182	21	male	male	ADJ
gp-304	182	22	investors	investor	NOUN
gp-304	182	23	.	.	PUNCT
gp-304	183	1	financial	financial	ADJ
gp-304	183	2	institutions	institution	NOUN
gp-304	183	3	should	should	AUX
gp-304	183	4	consider	consider	VERB
gp-304	183	5	developing	develop	VERB
gp-304	183	6	gender	gender	NOUN
gp-304	183	7	-	-	PUNCT
gp-304	183	8	sensitive	sensitive	ADJ
gp-304	183	9	marketing	marketing	NOUN
gp-304	183	10	and	and	CCONJ
gp-304	183	11	educational	educational	ADJ
gp-304	183	12	strategies	strategy	NOUN
gp-304	183	13	that	that	PRON
gp-304	183	14	acknowledge	acknowledge	VERB
gp-304	183	15	these	these	DET
gp-304	183	16	behavioral	behavioral	ADJ
gp-304	183	17	differences	difference	NOUN
gp-304	183	18	.	.	PUNCT
gp-304	184	1	limitations	limitation	NOUN
gp-304	184	2	and	and	CCONJ
gp-304	184	3	future	future	ADJ
gp-304	184	4	research	research	NOUN
gp-304	184	5	directions	direction	NOUN
gp-304	184	6	while	while	SCONJ
gp-304	184	7	this	this	DET
gp-304	184	8	study	study	NOUN
gp-304	184	9	provides	provide	VERB
gp-304	184	10	valuable	valuable	ADJ
gp-304	184	11	insights	insight	NOUN
gp-304	184	12	,	,	PUNCT
gp-304	184	13	several	several	ADJ
gp-304	184	14	limitations	limitation	NOUN
gp-304	184	15	should	should	AUX
gp-304	184	16	be	be	AUX
gp-304	184	17	acknowledged	acknowledge	VERB
gp-304	184	18	.	.	PUNCT
gp-304	185	1	the	the	DET
gp-304	185	2	sample	sample	NOUN
gp-304	185	3	,	,	PUNCT
gp-304	185	4	while	while	SCONJ
gp-304	185	5	representative	representative	NOUN
gp-304	185	6	of	of	ADP
gp-304	185	7	maluku	maluku	PROPN
gp-304	185	8	's	's	PART
gp-304	185	9	investor	investor	NOUN
gp-304	185	10	population	population	NOUN
gp-304	185	11	,	,	PUNCT
gp-304	185	12	may	may	AUX
gp-304	185	13	not	not	PART
gp-304	185	14	generalize	generalize	VERB
gp-304	185	15	to	to	ADP
gp-304	185	16	other	other	ADJ
gp-304	185	17	indonesian	indonesian	ADJ
gp-304	185	18	regions	region	NOUN
gp-304	185	19	with	with	ADP
gp-304	185	20	different	different	ADJ
gp-304	185	21	cultural	cultural	ADJ
gp-304	185	22	and	and	CCONJ
gp-304	185	23	economic	economic	ADJ
gp-304	185	24	characteristics	characteristic	NOUN
gp-304	185	25	.	.	PUNCT
gp-304	186	1	additionally	additionally	ADV
gp-304	186	2	,	,	PUNCT
gp-304	186	3	the	the	DET
gp-304	186	4	crosssectional	crosssectional	ADJ
gp-304	186	5	design	design	NOUN
gp-304	186	6	limits	limit	NOUN
gp-304	186	7	causal	causal	ADJ
gp-304	186	8	inference	inference	NOUN
gp-304	186	9	,	,	PUNCT
gp-304	186	10	suggesting	suggest	VERB
gp-304	186	11	that	that	SCONJ
gp-304	186	12	longitudinal	longitudinal	ADJ
gp-304	186	13	studies	study	NOUN
gp-304	186	14	could	could	AUX
gp-304	186	15	provide	provide	VERB
gp-304	186	16	stronger	strong	ADJ
gp-304	186	17	evidence	evidence	NOUN
gp-304	186	18	for	for	ADP
gp-304	186	19	the	the	DET
gp-304	186	20	observed	observe	VERB
gp-304	186	21	relationships	relationship	NOUN
gp-304	186	22	.	.	PUNCT
gp-304	187	1	future	future	ADJ
gp-304	187	2	research	research	NOUN
gp-304	187	3	should	should	AUX
gp-304	187	4	explore	explore	VERB
gp-304	187	5	these	these	DET
gp-304	187	6	relationships	relationship	NOUN
gp-304	187	7	in	in	ADP
gp-304	187	8	different	different	ADJ
gp-304	187	9	geographical	geographical	ADJ
gp-304	187	10	and	and	CCONJ
gp-304	187	11	cultural	cultural	ADJ
gp-304	187	12	contexts	contexts	NOUN
gp-304	187	13	,	,	PUNCT
gp-304	187	14	examine	examine	VERB
gp-304	187	15	the	the	DET
gp-304	187	16	role	role	NOUN
gp-304	187	17	of	of	ADP
gp-304	187	18	other	other	ADJ
gp-304	187	19	demographic	demographic	ADJ
gp-304	187	20	factors	factor	NOUN
gp-304	187	21	such	such	ADJ
gp-304	187	22	as	as	ADP
gp-304	187	23	age	age	NOUN
gp-304	187	24	and	and	CCONJ
gp-304	187	25	education	education	NOUN
gp-304	187	26	,	,	PUNCT
gp-304	187	27	and	and	CCONJ
gp-304	187	28	investigate	investigate	VERB
gp-304	187	29	the	the	DET
gp-304	187	30	mediating	mediate	VERB
gp-304	187	31	mechanisms	mechanism	NOUN
gp-304	187	32	through	through	ADP
gp-304	187	33	which	which	PRON
gp-304	187	34	these	these	DET
gp-304	187	35	variables	variable	NOUN
gp-304	187	36	influence	influence	NOUN
gp-304	187	37	investment	investment	NOUN
gp-304	187	38	decisions	decision	NOUN
gp-304	187	39	.	.	PUNCT
gp-304	188	1	american	american	ADJ
gp-304	188	2	journal	journal	PROPN
gp-304	188	3	of	of	ADP
gp-304	188	4	economic	economic	ADJ
gp-304	188	5	and	and	CCONJ
gp-304	188	6	management	management	NOUN
gp-304	188	7	business	business	NOUN
gp-304	188	8	vol	vol	NOUN
gp-304	188	9	.	.	PROPN
gp-304	189	1	4	4	NUM
gp-304	189	2	no	no	NOUN
gp-304	189	3	.	.	NOUN
gp-304	189	4	8	8	NUM
gp-304	189	5	agustus	agustus	NOUN
gp-304	189	6	2025	2025	NUM
gp-304	189	7	1400	1400	NUM
gp-304	189	8	conclusion	conclusion	NOUN
gp-304	189	9	this	this	DET
gp-304	189	10	study	study	NOUN
gp-304	189	11	reveals	reveal	VERB
gp-304	189	12	that	that	SCONJ
gp-304	189	13	financial	financial	ADJ
gp-304	189	14	literacy	literacy	NOUN
gp-304	189	15	,	,	PUNCT
gp-304	189	16	financial	financial	ADJ
gp-304	189	17	technology	technology	NOUN
gp-304	189	18	literacy	literacy	NOUN
gp-304	189	19	,	,	PUNCT
gp-304	189	20	risk	risk	NOUN
gp-304	189	21	perception	perception	NOUN
gp-304	189	22	,	,	PUNCT
gp-304	189	23	and	and	CCONJ
gp-304	189	24	self	self	NOUN
gp-304	189	25	-	-	PUNCT
gp-304	189	26	efficacy	efficacy	NOUN
gp-304	189	27	significantly	significantly	ADV
gp-304	189	28	influence	influence	VERB
gp-304	189	29	investment	investment	NOUN
gp-304	189	30	decisions	decision	NOUN
gp-304	189	31	among	among	ADP
gp-304	189	32	capital	capital	NOUN
gp-304	189	33	market	market	NOUN
gp-304	189	34	investors	investor	NOUN
gp-304	189	35	in	in	ADP
gp-304	189	36	maluku	maluku	PROPN
gp-304	189	37	,	,	PUNCT
gp-304	189	38	both	both	PRON
gp-304	189	39	partially	partially	ADV
gp-304	189	40	and	and	CCONJ
gp-304	189	41	simultaneously	simultaneously	ADV
gp-304	189	42	.	.	PUNCT
gp-304	190	1	however	however	ADV
gp-304	190	2	,	,	PUNCT
gp-304	190	3	important	important	ADJ
gp-304	190	4	gender	gender	NOUN
gp-304	190	5	differences	difference	NOUN
gp-304	190	6	exist	exist	VERB
gp-304	190	7	,	,	PUNCT
gp-304	190	8	particularly	particularly	ADV
gp-304	190	9	in	in	ADP
gp-304	190	10	the	the	DET
gp-304	190	11	influences	influence	NOUN
gp-304	190	12	of	of	ADP
gp-304	190	13	risk	risk	NOUN
gp-304	190	14	perception	perception	NOUN
gp-304	190	15	and	and	CCONJ
gp-304	190	16	self	self	NOUN
gp-304	190	17	-	-	PUNCT
gp-304	190	18	efficacy	efficacy	NOUN
gp-304	190	19	.	.	PUNCT
gp-304	191	1	risk	risk	NOUN
gp-304	191	2	perception	perception	NOUN
gp-304	191	3	shows	show	VERB
gp-304	191	4	a	a	DET
gp-304	191	5	significantly	significantly	ADV
gp-304	191	6	stronger	strong	ADJ
gp-304	191	7	influence	influence	NOUN
gp-304	191	8	on	on	ADP
gp-304	191	9	female	female	ADJ
gp-304	191	10	investors	investor	NOUN
gp-304	191	11	compared	compare	VERB
gp-304	191	12	to	to	ADP
gp-304	191	13	males	male	NOUN
gp-304	191	14	,	,	PUNCT
gp-304	191	15	reflecting	reflect	VERB
gp-304	191	16	women	woman	NOUN
gp-304	191	17	's	's	PART
gp-304	191	18	tendency	tendency	NOUN
gp-304	191	19	to	to	PART
gp-304	191	20	be	be	AUX
gp-304	191	21	more	more	ADV
gp-304	191	22	cautious	cautious	ADJ
gp-304	191	23	in	in	ADP
gp-304	191	24	investment	investment	NOUN
gp-304	191	25	decisions	decision	NOUN
gp-304	191	26	.	.	PUNCT
gp-304	192	1	conversely	conversely	ADV
gp-304	192	2	,	,	PUNCT
gp-304	192	3	self	self	NOUN
gp-304	192	4	-	-	PUNCT
gp-304	192	5	efficacy	efficacy	NOUN
gp-304	192	6	significantly	significantly	ADV
gp-304	192	7	influences	influence	VERB
gp-304	192	8	male	male	ADJ
gp-304	192	9	investors	investor	NOUN
gp-304	192	10	but	but	CCONJ
gp-304	192	11	not	not	PART
gp-304	192	12	female	female	ADJ
gp-304	192	13	investors	investor	NOUN
gp-304	192	14	,	,	PUNCT
gp-304	192	15	suggesting	suggest	VERB
gp-304	192	16	that	that	SCONJ
gp-304	192	17	different	different	ADJ
gp-304	192	18	psychological	psychological	ADJ
gp-304	192	19	factors	factor	NOUN
gp-304	192	20	drive	drive	VERB
gp-304	192	21	investment	investment	NOUN
gp-304	192	22	decisions	decision	NOUN
gp-304	192	23	across	across	ADP
gp-304	192	24	genders	gender	NOUN
gp-304	192	25	.	.	PUNCT
gp-304	193	1	these	these	DET
gp-304	193	2	findings	finding	NOUN
gp-304	193	3	provide	provide	VERB
gp-304	193	4	important	important	ADJ
gp-304	193	5	implications	implication	NOUN
gp-304	193	6	for	for	ADP
gp-304	193	7	regulators	regulator	NOUN
gp-304	193	8	and	and	CCONJ
gp-304	193	9	financial	financial	ADJ
gp-304	193	10	institutions	institution	NOUN
gp-304	193	11	to	to	PART
gp-304	193	12	design	design	VERB
gp-304	193	13	more	more	ADJ
gp-304	193	14	inclusive	inclusive	ADJ
gp-304	193	15	and	and	CCONJ
gp-304	193	16	gender	gender	NOUN
gp-304	193	17	-	-	PUNCT
gp-304	193	18	sensitive	sensitive	ADJ
gp-304	193	19	financial	financial	ADJ
gp-304	193	20	literacy	literacy	NOUN
gp-304	193	21	and	and	CCONJ
gp-304	193	22	investment	investment	NOUN
gp-304	193	23	education	education	NOUN
gp-304	193	24	strategies	strategy	NOUN
gp-304	193	25	.	.	PUNCT
gp-304	194	1	for	for	ADP
gp-304	194	2	female	female	ADJ
gp-304	194	3	investors	investor	NOUN
gp-304	194	4	,	,	PUNCT
gp-304	194	5	emphasis	emphasis	NOUN
gp-304	194	6	should	should	AUX
gp-304	194	7	be	be	AUX
gp-304	194	8	placed	place	VERB
gp-304	194	9	on	on	ADP
gp-304	194	10	risk	risk	NOUN
gp-304	194	11	understanding	understanding	NOUN
gp-304	194	12	and	and	CCONJ
gp-304	194	13	management	management	NOUN
gp-304	194	14	,	,	PUNCT
gp-304	194	15	while	while	SCONJ
gp-304	194	16	for	for	ADP
gp-304	194	17	male	male	ADJ
gp-304	194	18	investors	investor	NOUN
gp-304	194	19	,	,	PUNCT
gp-304	194	20	building	build	VERB
gp-304	194	21	appropriate	appropriate	ADJ
gp-304	194	22	self	self	NOUN
gp-304	194	23	-	-	PUNCT
gp-304	194	24	confidence	confidence	NOUN
gp-304	194	25	becomes	become	VERB
gp-304	194	26	important	important	ADJ
gp-304	194	27	.	.	PUNCT
gp-304	195	1	future	future	ADJ
gp-304	195	2	research	research	NOUN
gp-304	195	3	should	should	AUX
gp-304	195	4	explore	explore	VERB
gp-304	195	5	other	other	ADJ
gp-304	195	6	demographic	demographic	ADJ
gp-304	195	7	factors	factor	NOUN
gp-304	195	8	such	such	ADJ
gp-304	195	9	as	as	ADP
gp-304	195	10	education	education	NOUN
gp-304	195	11	level	level	NOUN
gp-304	195	12	,	,	PUNCT
gp-304	195	13	age	age	NOUN
gp-304	195	14	,	,	PUNCT
gp-304	195	15	and	and	CCONJ
gp-304	195	16	investment	investment	NOUN
gp-304	195	17	experience	experience	NOUN
gp-304	195	18	to	to	PART
gp-304	195	19	provide	provide	VERB
gp-304	195	20	a	a	DET
gp-304	195	21	more	more	ADV
gp-304	195	22	comprehensive	comprehensive	ADJ
gp-304	195	23	understanding	understanding	NOUN
gp-304	195	24	of	of	ADP
gp-304	195	25	investment	investment	NOUN
gp-304	195	26	decision	decision	NOUN
gp-304	195	27	-	-	PUNCT
gp-304	195	28	making	make	VERB
gp-304	195	29	behavior	behavior	NOUN
gp-304	195	30	in	in	ADP
gp-304	195	31	regions	region	NOUN
gp-304	195	32	with	with	ADP
gp-304	195	33	specific	specific	ADJ
gp-304	195	34	economic	economic	ADJ
gp-304	195	35	and	and	CCONJ
gp-304	195	36	demographic	demographic	ADJ
gp-304	195	37	characteristics	characteristic	NOUN
gp-304	195	38	like	like	ADP
gp-304	195	39	maluku	maluku	PROPN
gp-304	195	40	.	.	PROPN
gp-304	196	1	references	reference	NOUN
gp-304	196	2	chandra	chandra	PROPN
gp-304	196	3	,	,	PUNCT
gp-304	196	4	p.	p.	PROPN
gp-304	196	5	k.	k.	PROPN
gp-304	196	6	,	,	PUNCT
gp-304	196	7	pangkey	pangkey	PROPN
gp-304	196	8	,	,	PUNCT
gp-304	196	9	l.	l.	PROPN
gp-304	196	10	b.	b.	PROPN
gp-304	196	11	,	,	PUNCT
gp-304	196	12	&	&	CCONJ
gp-304	196	13	soetanto	soetanto	PROPN
gp-304	196	14	,	,	PUNCT
gp-304	196	15	t.	t.	PROPN
gp-304	196	16	v.	v.	PROPN
gp-304	197	1	(	(	PUNCT
gp-304	197	2	2023	2023	NUM
gp-304	197	3	)	)	PUNCT
gp-304	197	4	.	.	PUNCT
gp-304	198	1	young	young	ADJ
gp-304	198	2	adults	adult	NOUN
gp-304	198	3	'	'	PART
gp-304	198	4	investment	investment	NOUN
gp-304	198	5	decisions	decision	NOUN
gp-304	198	6	in	in	ADP
gp-304	198	7	surabaya	surabaya	PROPN
gp-304	198	8	:	:	PUNCT
gp-304	198	9	the	the	DET
gp-304	198	10	influence	influence	NOUN
gp-304	198	11	of	of	ADP
gp-304	198	12	financial	financial	ADJ
gp-304	198	13	literacy	literacy	NOUN
gp-304	198	14	and	and	CCONJ
gp-304	198	15	risk	risk	NOUN
gp-304	198	16	perception	perception	NOUN
gp-304	198	17	.	.	PUNCT
gp-304	199	1	international	international	ADJ
gp-304	199	2	journal	journal	NOUN
gp-304	199	3	of	of	ADP
gp-304	199	4	organizational	organizational	ADJ
gp-304	199	5	behavior	behavior	NOUN
gp-304	199	6	and	and	CCONJ
gp-304	199	7	policy	policy	NOUN
gp-304	199	8	,	,	PUNCT
gp-304	199	9	2(2	2(2	NUM
gp-304	199	10	)	)	PUNCT
gp-304	199	11	,	,	PUNCT
gp-304	199	12	87	87	NUM
gp-304	199	13	-	-	SYM
gp-304	199	14	96	96	NUM
gp-304	199	15	.	.	PUNCT
gp-304	200	1	cupak	cupak	PROPN
gp-304	200	2	,	,	PUNCT
gp-304	200	3	a.	a.	PROPN
gp-304	200	4	,	,	PUNCT
gp-304	200	5	et	et	PROPN
gp-304	200	6	al	al	PROPN
gp-304	200	7	.	.	PROPN
gp-304	200	8	(	(	PUNCT
gp-304	200	9	2022	2022	NUM
gp-304	200	10	)	)	PUNCT
gp-304	200	11	.	.	PUNCT
gp-304	201	1	gender	gender	NOUN
gp-304	201	2	differences	difference	NOUN
gp-304	201	3	in	in	ADP
gp-304	201	4	financial	financial	ADJ
gp-304	201	5	literacy	literacy	NOUN
gp-304	201	6	and	and	CCONJ
gp-304	201	7	investment	investment	NOUN
gp-304	201	8	behavior	behavior	NOUN
gp-304	201	9	.	.	PUNCT
gp-304	202	1	journal	journal	PROPN
gp-304	202	2	of	of	ADP
gp-304	202	3	financial	financial	ADJ
gp-304	202	4	studies	study	NOUN
gp-304	202	5	,	,	PUNCT
gp-304	202	6	35(4	35(4	NUM
gp-304	202	7	)	)	PUNCT
gp-304	202	8	,	,	PUNCT
gp-304	202	9	211	211	NUM
gp-304	202	10	-	-	SYM
gp-304	202	11	229	229	NUM
gp-304	202	12	.	.	PUNCT
gp-304	203	1	damayanti	damayanti	PROPN
gp-304	203	2	,	,	PUNCT
gp-304	203	3	k.	k.	PROPN
gp-304	203	4	,	,	PUNCT
gp-304	203	5	&	&	CCONJ
gp-304	203	6	listiawati	listiawati	PROPN
gp-304	203	7	,	,	PUNCT
gp-304	203	8	r.	r.	PROPN
gp-304	203	9	(	(	PUNCT
gp-304	203	10	2024	2024	NUM
gp-304	203	11	)	)	PUNCT
gp-304	203	12	.	.	PUNCT
gp-304	204	1	pengaruh	pengaruh	PROPN
gp-304	204	2	literasi	literasi	PROPN
gp-304	204	3	pasar	pasar	PROPN
gp-304	204	4	modal	modal	PROPN
gp-304	204	5	,	,	PUNCT
gp-304	204	6	inklusi	inklusi	PROPN
gp-304	204	7	pasar	pasar	PROPN
gp-304	204	8	modal	modal	PROPN
gp-304	204	9	dan	dan	PROPN
gp-304	204	10	persepsi	persepsi	PROPN
gp-304	204	11	risiko	risiko	PROPN
gp-304	204	12	terhadap	terhadap	PROPN
gp-304	204	13	keputusan	keputusan	PROPN
gp-304	204	14	investasi	investasi	PROPN
gp-304	204	15	saham	saham	PROPN
gp-304	204	16	generasi	generasi	PROPN
gp-304	204	17	z	z	PROPN
gp-304	204	18	di	di	PROPN
gp-304	204	19	pasar	pasar	PROPN
gp-304	204	20	modal	modal	PROPN
gp-304	204	21	.	.	PUNCT
gp-304	205	1	indonesian	indonesian	ADJ
gp-304	205	2	journal	journal	PROPN
gp-304	205	3	of	of	ADP
gp-304	205	4	economy	economy	NOUN
gp-304	205	5	,	,	PUNCT
gp-304	205	6	business	business	NOUN
gp-304	205	7	,	,	PUNCT
gp-304	205	8	entrepreneurship	entrepreneurship	NOUN
gp-304	205	9	and	and	CCONJ
gp-304	205	10	finance	finance	NOUN
gp-304	205	11	,	,	PUNCT
gp-304	205	12	4(3	4(3	NUM
gp-304	205	13	)	)	PUNCT
gp-304	205	14	,	,	PUNCT
gp-304	205	15	586	586	NUM
gp-304	205	16	-	-	SYM
gp-304	205	17	595	595	NUM
gp-304	205	18	.	.	PUNCT
gp-304	206	1	erlando	erlando	PROPN
gp-304	206	2	,	,	PUNCT
gp-304	206	3	a.	a.	NOUN
gp-304	206	4	,	,	PUNCT
gp-304	206	5	riyanto	riyanto	PROPN
gp-304	206	6	,	,	PUNCT
gp-304	206	7	f.	f.	PROPN
gp-304	206	8	d.	d.	PROPN
gp-304	206	9	,	,	PUNCT
gp-304	206	10	&	&	CCONJ
gp-304	206	11	maydiantoro	maydiantoro	PROPN
gp-304	206	12	,	,	PUNCT
gp-304	206	13	a.	a.	NOUN
gp-304	206	14	(	(	PUNCT
gp-304	206	15	2020	2020	NUM
gp-304	206	16	)	)	PUNCT
gp-304	206	17	.	.	PUNCT
gp-304	207	1	financial	financial	ADJ
gp-304	207	2	inclusion	inclusion	NOUN
gp-304	207	3	,	,	PUNCT
gp-304	207	4	economic	economic	ADJ
gp-304	207	5	growth	growth	NOUN
gp-304	207	6	,	,	PUNCT
gp-304	207	7	and	and	CCONJ
gp-304	207	8	poverty	poverty	NOUN
gp-304	207	9	alleviation	alleviation	NOUN
gp-304	207	10	:	:	PUNCT
gp-304	207	11	evidence	evidence	NOUN
gp-304	207	12	from	from	ADP
gp-304	207	13	eastern	eastern	PROPN
gp-304	207	14	indonesia	indonesia	PROPN
gp-304	207	15	.	.	PROPN
gp-304	208	1	heliyon	heliyon	PROPN
gp-304	208	2	,	,	PUNCT
gp-304	208	3	6(10	6(10	NUM
gp-304	208	4	)	)	PUNCT
gp-304	208	5	,	,	PUNCT
gp-304	208	6	e05235	e05235	PROPN
gp-304	208	7	.	.	PROPN
gp-304	208	8	https://doi.org/10.1016/j.heliyon.2020.e05235	https://doi.org/10.1016/j.heliyon.2020.e05235	VERB
gp-304	208	9	fernández	fernández	PROPN
gp-304	208	10	-	-	PUNCT
gp-304	208	11	lópez	lópez	PROPN
gp-304	208	12	,	,	PUNCT
gp-304	208	13	s.	s.	PROPN
gp-304	208	14	,	,	PUNCT
gp-304	208	15	rodeiro	rodeiro	NOUN
gp-304	208	16	-	-	PUNCT
gp-304	208	17	pazos	pazos	NOUN
gp-304	208	18	,	,	PUNCT
gp-304	208	19	d.	d.	PROPN
gp-304	208	20	,	,	PUNCT
gp-304	208	21	&	&	CCONJ
gp-304	208	22	rey	rey	PROPN
gp-304	208	23	-	-	PUNCT
gp-304	208	24	ares	ares	PROPN
gp-304	208	25	,	,	PUNCT
gp-304	208	26	l.	l.	PROPN
gp-304	208	27	(	(	PUNCT
gp-304	208	28	2025	2025	NUM
gp-304	208	29	)	)	PUNCT
gp-304	208	30	.	.	PUNCT
gp-304	209	1	relative	relative	ADJ
gp-304	209	2	impact	impact	NOUN
gp-304	209	3	of	of	ADP
gp-304	209	4	digital	digital	ADJ
gp-304	209	5	and	and	CCONJ
gp-304	209	6	traditional	traditional	ADJ
gp-304	209	7	financial	financial	ADJ
gp-304	209	8	inclusion	inclusion	NOUN
gp-304	209	9	on	on	ADP
gp-304	209	10	financial	financial	ADJ
gp-304	209	11	resilience	resilience	NOUN
gp-304	209	12	:	:	PUNCT
gp-304	209	13	evidence	evidence	NOUN
gp-304	209	14	from	from	ADP
gp-304	209	15	13	13	NUM
gp-304	209	16	emerging	emerge	VERB
gp-304	209	17	countries	country	NOUN
gp-304	209	18	.	.	PUNCT
gp-304	210	1	journal	journal	PROPN
gp-304	210	2	of	of	ADP
gp-304	210	3	international	international	ADJ
gp-304	210	4	financial	financial	ADJ
gp-304	210	5	markets	market	NOUN
gp-304	210	6	,	,	PUNCT
gp-304	210	7	institutions	institution	NOUN
gp-304	210	8	and	and	CCONJ
gp-304	210	9	money	money	NOUN
gp-304	210	10	,	,	PUNCT
gp-304	210	11	89	89	NUM
gp-304	210	12	,	,	PUNCT
gp-304	210	13	101847	101847	NUM
gp-304	210	14	.	.	PUNCT
gp-304	211	1	https://doi.org/10.1016/j.intfin.2025.101847	https://doi.org/10.1016/j.intfin.2025.101847	PROPN
gp-304	211	2	grohmann	grohmann	PROPN
gp-304	211	3	,	,	PUNCT
gp-304	211	4	a.	a.	NOUN
gp-304	211	5	(	(	PUNCT
gp-304	211	6	2018	2018	NUM
gp-304	211	7	)	)	PUNCT
gp-304	211	8	.	.	PUNCT
gp-304	212	1	financial	financial	ADJ
gp-304	212	2	literacy	literacy	NOUN
gp-304	212	3	and	and	CCONJ
gp-304	212	4	financial	financial	ADJ
gp-304	212	5	behavior	behavior	NOUN
gp-304	212	6	:	:	PUNCT
gp-304	212	7	evidence	evidence	NOUN
gp-304	212	8	from	from	ADP
gp-304	212	9	the	the	DET
gp-304	212	10	emerging	emerge	VERB
gp-304	212	11	asian	asian	ADJ
gp-304	212	12	middle	middle	ADJ
gp-304	212	13	class	class	NOUN
gp-304	212	14	.	.	PUNCT
gp-304	213	1	pacific	pacific	ADJ
gp-304	213	2	-	-	PUNCT
gp-304	213	3	basin	basin	NOUN
gp-304	213	4	finance	finance	NOUN
gp-304	213	5	journal	journal	NOUN
gp-304	213	6	,	,	PUNCT
gp-304	213	7	48	48	NUM
gp-304	213	8	,	,	PUNCT
gp-304	213	9	129	129	NUM
gp-304	213	10	-	-	SYM
gp-304	213	11	143	143	NUM
gp-304	213	12	.	.	PUNCT
gp-304	214	1	https://doi.org/10.1016/j.pacfin.2018.01.007	https://doi.org/10.1016/j.pacfin.2018.01.007	PROPN
gp-304	214	2	hidayat	hidayat	PROPN
gp-304	214	3	,	,	PUNCT
gp-304	214	4	p.	p.	PROPN
gp-304	214	5	,	,	PUNCT
gp-304	214	6	&	&	CCONJ
gp-304	214	7	sari	sari	PROPN
gp-304	214	8	,	,	PUNCT
gp-304	214	9	r.	r.	PROPN
gp-304	214	10	l.	l.	PROPN
gp-304	214	11	(	(	PUNCT
gp-304	214	12	2022	2022	NUM
gp-304	214	13	)	)	PUNCT
gp-304	214	14	.	.	PUNCT
gp-304	215	1	linkage	linkage	NOUN
gp-304	215	2	between	between	ADP
gp-304	215	3	financial	financial	ADJ
gp-304	215	4	inclusion	inclusion	NOUN
gp-304	215	5	and	and	CCONJ
gp-304	215	6	indonesian	indonesian	ADJ
gp-304	215	7	welfare	welfare	NOUN
gp-304	215	8	:	:	PUNCT
gp-304	215	9	a	a	DET
gp-304	215	10	recent	recent	ADJ
gp-304	215	11	evidence	evidence	NOUN
gp-304	215	12	.	.	PUNCT
gp-304	216	1	cogent	cogent	NOUN
gp-304	216	2	business	business	PROPN
gp-304	216	3	&	&	CCONJ
gp-304	216	4	management	management	PROPN
gp-304	216	5	,	,	PUNCT
gp-304	216	6	9(1	9(1	NUM
gp-304	216	7	)	)	PUNCT
gp-304	216	8	,	,	PUNCT
gp-304	216	9	2108299	2108299	NUM
gp-304	216	10	.	.	PUNCT
gp-304	217	1	https://doi.org/10.1080/23311975.2022.2108299	https://doi.org/10.1080/23311975.2022.2108299	PROPN
gp-304	217	2	https://doi.org/10.1016/j.heliyon.2020.e05235	https://doi.org/10.1016/j.heliyon.2020.e05235	AUX
gp-304	217	3	https://doi.org/10.1016/j.intfin.2025.101847	https://doi.org/10.1016/j.intfin.2025.101847	VERB
gp-304	217	4	https://doi.org/10.1016/j.pacfin.2018.01.007	https://doi.org/10.1016/j.pacfin.2018.01.007	PROPN
gp-304	217	5	https://doi.org/10.1080/23311975.2022.2108299	https://doi.org/10.1080/23311975.2022.2108299	PROPN
gp-304	217	6	american	american	PROPN
gp-304	217	7	journal	journal	PROPN
gp-304	217	8	of	of	ADP
gp-304	217	9	economic	economic	ADJ
gp-304	217	10	and	and	CCONJ
gp-304	217	11	management	management	NOUN
gp-304	217	12	business	business	NOUN
gp-304	217	13	vol	vol	NOUN
gp-304	217	14	.	.	PROPN
gp-304	217	15	4	4	NUM
gp-304	218	1	no	no	NOUN
gp-304	218	2	.	.	NOUN
gp-304	218	3	8	8	NUM
gp-304	218	4	agustus	agustus	NOUN
gp-304	218	5	2025	2025	NUM
gp-304	218	6	1401	1401	NUM
gp-304	218	7	kass	kass	NOUN
gp-304	218	8	-	-	PUNCT
gp-304	218	9	hanna	hanna	PROPN
gp-304	218	10	,	,	PUNCT
gp-304	218	11	j.	j.	PROPN
gp-304	218	12	,	,	PUNCT
gp-304	218	13	lyons	lyons	PROPN
gp-304	218	14	,	,	PUNCT
gp-304	218	15	a.	a.	PROPN
gp-304	218	16	c.	c.	PROPN
gp-304	218	17	,	,	PUNCT
gp-304	218	18	&	&	CCONJ
gp-304	218	19	liu	liu	PROPN
gp-304	218	20	,	,	PUNCT
gp-304	218	21	f.	f.	PROPN
gp-304	218	22	(	(	PUNCT
gp-304	218	23	2022	2022	NUM
gp-304	218	24	)	)	PUNCT
gp-304	218	25	.	.	PUNCT
gp-304	219	1	building	build	VERB
gp-304	219	2	financial	financial	ADJ
gp-304	219	3	resilience	resilience	NOUN
gp-304	219	4	through	through	ADP
gp-304	219	5	financial	financial	ADJ
gp-304	219	6	and	and	CCONJ
gp-304	219	7	digital	digital	ADJ
gp-304	219	8	literacy	literacy	NOUN
gp-304	219	9	in	in	ADP
gp-304	219	10	south	south	PROPN
gp-304	219	11	asia	asia	PROPN
gp-304	219	12	and	and	CCONJ
gp-304	219	13	sub	sub	ADJ
gp-304	219	14	-	-	ADJ
gp-304	219	15	saharan	saharan	ADJ
gp-304	219	16	africa	africa	PROPN
gp-304	219	17	.	.	PUNCT
gp-304	220	1	emerging	emerge	VERB
gp-304	220	2	markets	market	NOUN
gp-304	220	3	review	review	VERB
gp-304	220	4	,	,	PUNCT
gp-304	220	5	51	51	NUM
gp-304	220	6	,	,	PUNCT
gp-304	220	7	100546	100546	NUM
gp-304	220	8	.	.	PUNCT
gp-304	221	1	https://doi.org/10.1016/j.ememar.2021.100546	https://doi.org/10.1016/j.ememar.2021.100546	ADJ
gp-304	221	2	ksei	ksei	NOUN
gp-304	221	3	.	.	PUNCT
gp-304	222	1	(	(	PUNCT
gp-304	222	2	2024	2024	NUM
gp-304	222	3	)	)	PUNCT
gp-304	222	4	.	.	PUNCT
gp-304	223	1	data	data	PROPN
gp-304	223	2	statistik	statistik	PROPN
gp-304	223	3	ksei	ksei	PROPN
gp-304	223	4	desember	desember	PROPN
gp-304	223	5	2024	2024	NUM
gp-304	223	6	.	.	PUNCT
gp-304	224	1	jakarta	jakarta	PROPN
gp-304	224	2	:	:	PUNCT
gp-304	224	3	kustodian	kustodian	PROPN
gp-304	224	4	sentral	sentral	PROPN
gp-304	224	5	efek	efek	PROPN
gp-304	224	6	indonesia	indonesia	PROPN
gp-304	224	7	.	.	PUNCT
gp-304	225	1	kumar	kumar	PROPN
gp-304	225	2	,	,	PUNCT
gp-304	225	3	p.	p.	PROPN
gp-304	225	4	,	,	PUNCT
gp-304	225	5	pillai	pillai	PROPN
gp-304	225	6	,	,	PUNCT
gp-304	225	7	r.	r.	PROPN
gp-304	225	8	,	,	PUNCT
gp-304	225	9	kumar	kumar	PROPN
gp-304	225	10	,	,	PUNCT
gp-304	225	11	n.	n.	NOUN
gp-304	225	12	,	,	PUNCT
gp-304	225	13	&	&	CCONJ
gp-304	225	14	tabash	tabash	PROPN
gp-304	225	15	,	,	PUNCT
gp-304	225	16	m.	m.	NOUN
gp-304	225	17	i.	i.	PROPN
gp-304	225	18	(	(	PUNCT
gp-304	225	19	2023	2023	NUM
gp-304	225	20	)	)	PUNCT
gp-304	225	21	.	.	PUNCT
gp-304	226	1	the	the	DET
gp-304	226	2	interplay	interplay	NOUN
gp-304	226	3	of	of	ADP
gp-304	226	4	skills	skill	NOUN
gp-304	226	5	,	,	PUNCT
gp-304	226	6	digital	digital	ADJ
gp-304	226	7	financial	financial	ADJ
gp-304	226	8	literacy	literacy	NOUN
gp-304	226	9	,	,	PUNCT
gp-304	226	10	capability	capability	NOUN
gp-304	226	11	,	,	PUNCT
gp-304	226	12	and	and	CCONJ
gp-304	226	13	autonomy	autonomy	NOUN
gp-304	226	14	in	in	ADP
gp-304	226	15	financial	financial	ADJ
gp-304	226	16	decision	decision	NOUN
gp-304	226	17	making	making	NOUN
gp-304	226	18	and	and	CCONJ
gp-304	226	19	well	well	ADV
gp-304	226	20	-	-	PUNCT
gp-304	226	21	being	being	NOUN
gp-304	226	22	.	.	PUNCT
gp-304	227	1	borsa	borsa	PROPN
gp-304	227	2	istanbul	istanbul	PROPN
gp-304	227	3	review	review	PROPN
gp-304	227	4	,	,	PUNCT
gp-304	227	5	23(1	23(1	NOUN
gp-304	227	6	)	)	PUNCT
gp-304	227	7	,	,	PUNCT
gp-304	227	8	169	169	NUM
gp-304	227	9	-	-	SYM
gp-304	227	10	183	183	NUM
gp-304	227	11	.	.	PUNCT
gp-304	228	1	kumar	kumar	PROPN
gp-304	228	2	,	,	PUNCT
gp-304	228	3	s.	s.	PROPN
gp-304	228	4	,	,	PUNCT
gp-304	228	5	sharma	sharma	PROPN
gp-304	228	6	,	,	PUNCT
gp-304	228	7	d.	d.	PROPN
gp-304	228	8	,	,	PUNCT
gp-304	228	9	rao	rao	PROPN
gp-304	228	10	,	,	PUNCT
gp-304	228	11	s.	s.	PROPN
gp-304	228	12	,	,	PUNCT
gp-304	228	13	lim	lim	PROPN
gp-304	228	14	,	,	PUNCT
gp-304	228	15	w.	w.	PROPN
gp-304	228	16	m.	m.	PROPN
gp-304	228	17	,	,	PUNCT
gp-304	228	18	&	&	CCONJ
gp-304	228	19	mangla	mangla	PROPN
gp-304	228	20	,	,	PUNCT
gp-304	228	21	s.	s.	PROPN
gp-304	228	22	k.	k.	PROPN
gp-304	228	23	(	(	PUNCT
gp-304	228	24	2024	2024	NUM
gp-304	228	25	)	)	PUNCT
gp-304	228	26	.	.	PUNCT
gp-304	229	1	fintech	fintech	NOUN
gp-304	229	2	and	and	CCONJ
gp-304	229	3	financial	financial	ADJ
gp-304	229	4	inclusion	inclusion	NOUN
gp-304	229	5	in	in	ADP
gp-304	229	6	emerging	emerge	VERB
gp-304	229	7	markets	market	NOUN
gp-304	229	8	:	:	PUNCT
gp-304	229	9	a	a	DET
gp-304	229	10	bibliometric	bibliometric	ADJ
gp-304	229	11	analysis	analysis	NOUN
gp-304	229	12	and	and	CCONJ
gp-304	229	13	future	future	ADJ
gp-304	229	14	research	research	NOUN
gp-304	229	15	agenda	agenda	NOUN
gp-304	229	16	.	.	PUNCT
gp-304	230	1	international	international	ADJ
gp-304	230	2	journal	journal	NOUN
gp-304	230	3	of	of	ADP
gp-304	230	4	emerging	emerge	VERB
gp-304	230	5	markets	market	NOUN
gp-304	230	6	,	,	PUNCT
gp-304	230	7	20(13	20(13	NOUN
gp-304	230	8	)	)	PUNCT
gp-304	230	9	,	,	PUNCT
gp-304	230	10	270	270	NUM
gp-304	230	11	-	-	SYM
gp-304	230	12	295	295	NUM
gp-304	230	13	.	.	PUNCT
gp-304	231	1	https://doi.org/10.1108/ijoem-03-2022-0463	https://doi.org/10.1108/ijoem-03-2022-0463	ADJ
gp-304	231	2	lusardi	lusardi	PROPN
gp-304	231	3	,	,	PUNCT
gp-304	231	4	a.	a.	PROPN
gp-304	231	5	,	,	PUNCT
gp-304	231	6	&	&	CCONJ
gp-304	231	7	mitchell	mitchell	PROPN
gp-304	231	8	,	,	PUNCT
gp-304	231	9	o.	o.	PROPN
gp-304	231	10	s.	s.	PROPN
gp-304	231	11	(	(	PUNCT
gp-304	231	12	2023	2023	NUM
gp-304	231	13	)	)	PUNCT
gp-304	231	14	.	.	PUNCT
gp-304	232	1	the	the	DET
gp-304	232	2	importance	importance	NOUN
gp-304	232	3	of	of	ADP
gp-304	232	4	financial	financial	ADJ
gp-304	232	5	literacy	literacy	NOUN
gp-304	232	6	:	:	PUNCT
gp-304	232	7	opening	open	VERB
gp-304	232	8	a	a	DET
gp-304	232	9	new	new	ADJ
gp-304	232	10	field	field	NOUN
gp-304	232	11	.	.	PUNCT
gp-304	233	1	wharton	wharton	PROPN
gp-304	233	2	pension	pension	PROPN
gp-304	233	3	research	research	PROPN
gp-304	233	4	council	council	PROPN
gp-304	233	5	working	working	PROPN
gp-304	233	6	paper	paper	PROPN
gp-304	233	7	no	no	INTJ
gp-304	233	8	.	.	PUNCT
gp-304	234	1	2023	2023	NUM
gp-304	234	2	-	-	SYM
gp-304	234	3	06	06	NUM
gp-304	234	4	.	.	PUNCT
gp-304	235	1	mensah	mensah	PROPN
gp-304	235	2	,	,	PUNCT
gp-304	235	3	i.	i.	PROPN
gp-304	235	4	a.	a.	PROPN
gp-304	235	5	,	,	PUNCT
gp-304	235	6	younas	youna	NOUN
gp-304	235	7	,	,	PUNCT
gp-304	235	8	m.	m.	NOUN
gp-304	235	9	,	,	PUNCT
gp-304	235	10	ampong	ampong	PROPN
gp-304	235	11	,	,	PUNCT
gp-304	235	12	g.	g.	PROPN
gp-304	235	13	o.	o.	PROPN
gp-304	235	14	a.	a.	PROPN
gp-304	235	15	,	,	PUNCT
gp-304	235	16	&	&	CCONJ
gp-304	235	17	agyei	agyei	PROPN
gp-304	235	18	,	,	PUNCT
gp-304	235	19	p.	p.	NOUN
gp-304	235	20	m.	m.	NOUN
gp-304	235	21	(	(	PUNCT
gp-304	235	22	2024	2024	NUM
gp-304	235	23	)	)	PUNCT
gp-304	235	24	.	.	PUNCT
gp-304	236	1	the	the	DET
gp-304	236	2	impact	impact	NOUN
gp-304	236	3	of	of	ADP
gp-304	236	4	digital	digital	ADJ
gp-304	236	5	literacy	literacy	NOUN
gp-304	236	6	and	and	CCONJ
gp-304	236	7	technology	technology	NOUN
gp-304	236	8	adoption	adoption	NOUN
gp-304	236	9	on	on	ADP
gp-304	236	10	financial	financial	ADJ
gp-304	236	11	inclusion	inclusion	NOUN
gp-304	236	12	in	in	ADP
gp-304	236	13	africa	africa	PROPN
gp-304	236	14	,	,	PUNCT
gp-304	236	15	asia	asia	PROPN
gp-304	236	16	,	,	PUNCT
gp-304	236	17	and	and	CCONJ
gp-304	236	18	latin	latin	PROPN
gp-304	236	19	america	america	PROPN
gp-304	236	20	.	.	PUNCT
gp-304	237	1	heliyon	heliyon	PROPN
gp-304	237	2	,	,	PUNCT
gp-304	237	3	10(23	10(23	NOUN
gp-304	237	4	)	)	PUNCT
gp-304	237	5	,	,	PUNCT
gp-304	237	6	e39751	e39751	PROPN
gp-304	237	7	.	.	PUNCT
gp-304	238	1	https://doi.org/10.1016/j.heliyon.2024.e39751	https://doi.org/10.1016/j.heliyon.2024.e39751	PROPN
gp-304	238	2	sari	sari	PROPN
gp-304	238	3	,	,	PUNCT
gp-304	238	4	d.	d.	PROPN
gp-304	238	5	k.	k.	PROPN
gp-304	238	6	,	,	PUNCT
gp-304	238	7	&	&	CCONJ
gp-304	238	8	budiarto	budiarto	PROPN
gp-304	238	9	,	,	PUNCT
gp-304	238	10	w.	w.	PROPN
gp-304	238	11	(	(	PUNCT
gp-304	238	12	2024	2024	NUM
gp-304	238	13	)	)	PUNCT
gp-304	238	14	.	.	PUNCT
gp-304	239	1	impact	impact	NOUN
gp-304	239	2	of	of	ADP
gp-304	239	3	financial	financial	ADJ
gp-304	239	4	literacy	literacy	NOUN
gp-304	239	5	and	and	CCONJ
gp-304	239	6	financial	financial	ADJ
gp-304	239	7	behavior	behavior	NOUN
gp-304	239	8	on	on	ADP
gp-304	239	9	investment	investment	NOUN
gp-304	239	10	among	among	ADP
gp-304	239	11	millennial	millennial	NOUN
gp-304	239	12	in	in	ADP
gp-304	239	13	indonesia	indonesia	PROPN
gp-304	239	14	:	:	PUNCT
gp-304	239	15	the	the	DET
gp-304	239	16	moderating	moderate	VERB
gp-304	239	17	role	role	NOUN
gp-304	239	18	of	of	ADP
gp-304	239	19	risk	risk	NOUN
gp-304	239	20	profile	profile	NOUN
gp-304	239	21	.	.	PUNCT
gp-304	240	1	international	international	ADJ
gp-304	240	2	journal	journal	PROPN
gp-304	240	3	of	of	ADP
gp-304	240	4	economics	economic	NOUN
gp-304	240	5	and	and	CCONJ
gp-304	240	6	business	business	NOUN
gp-304	240	7	administration	administration	NOUN
gp-304	240	8	,	,	PUNCT
gp-304	240	9	12(2	12(2	NUM
gp-304	240	10	)	)	PUNCT
gp-304	240	11	,	,	PUNCT
gp-304	240	12	234	234	NUM
gp-304	240	13	-	-	SYM
gp-304	240	14	251	251	NUM
gp-304	240	15	.	.	PUNCT
gp-304	241	1	https://doi.org/10.35808/ijeba/824	https://doi.org/10.35808/ijeba/824	PROPN
gp-304	241	2	qibthiyah	qibthiyah	NOUN
gp-304	241	3	,	,	PUNCT
gp-304	241	4	m.	m.	NOUN
gp-304	241	5	(	(	PUNCT
gp-304	241	6	2024	2024	NUM
gp-304	241	7	)	)	PUNCT
gp-304	241	8	.	.	PUNCT
gp-304	242	1	the	the	DET
gp-304	242	2	influence	influence	NOUN
gp-304	242	3	of	of	ADP
gp-304	242	4	financial	financial	ADJ
gp-304	242	5	literacy	literacy	NOUN
gp-304	242	6	and	and	CCONJ
gp-304	242	7	risk	risk	NOUN
gp-304	242	8	perception	perception	NOUN
gp-304	242	9	on	on	ADP
gp-304	242	10	investment	investment	NOUN
gp-304	242	11	decisions	decision	NOUN
gp-304	242	12	based	base	VERB
gp-304	242	13	on	on	ADP
gp-304	242	14	gender	gender	NOUN
gp-304	242	15	using	use	VERB
gp-304	242	16	multi	multi	ADJ
gp-304	242	17	-	-	ADJ
gp-304	242	18	group	group	NOUN
gp-304	242	19	analysis	analysis	NOUN
gp-304	242	20	methods	method	NOUN
gp-304	242	21	.	.	PUNCT
gp-304	243	1	international	international	ADJ
gp-304	243	2	student	student	NOUN
gp-304	243	3	conference	conference	NOUN
gp-304	243	4	on	on	ADP
gp-304	243	5	business	business	NOUN
gp-304	243	6	,	,	PUNCT
gp-304	243	7	education	education	NOUN
gp-304	243	8	,	,	PUNCT
gp-304	243	9	economics	economic	NOUN
gp-304	243	10	,	,	PUNCT
gp-304	243	11	accounting	accounting	NOUN
gp-304	243	12	,	,	PUNCT
gp-304	243	13	and	and	CCONJ
gp-304	243	14	management	management	NOUN
gp-304	243	15	(	(	PUNCT
gp-304	243	16	isc	isc	NOUN
gp-304	243	17	-	-	PUNCT
gp-304	243	18	beam	beam	NOUN
gp-304	243	19	)	)	PUNCT
gp-304	243	20	2	2	NUM
gp-304	243	21	.	.	X
gp-304	243	22	sarstedt	sarstedt	NOUN
gp-304	243	23	,	,	PUNCT
gp-304	243	24	m.	m.	NOUN
gp-304	243	25	,	,	PUNCT
gp-304	243	26	henseler	henseler	NOUN
gp-304	243	27	,	,	PUNCT
gp-304	243	28	j.	j.	PROPN
gp-304	243	29	,	,	PUNCT
gp-304	243	30	&	&	CCONJ
gp-304	243	31	ringle	ringle	PROPN
gp-304	243	32	,	,	PUNCT
gp-304	243	33	c.	c.	PROPN
gp-304	243	34	m.	m.	NOUN
gp-304	243	35	(	(	PUNCT
gp-304	243	36	2011	2011	NUM
gp-304	243	37	)	)	PUNCT
gp-304	243	38	.	.	PUNCT
gp-304	244	1	multigroup	multigroup	PROPN
gp-304	244	2	analysis	analysis	NOUN
gp-304	244	3	in	in	ADP
gp-304	244	4	partial	partial	ADJ
gp-304	244	5	least	least	ADJ
gp-304	244	6	squares	square	NOUN
gp-304	244	7	(	(	PUNCT
gp-304	244	8	pls	pls	INTJ
gp-304	244	9	)	)	PUNCT
gp-304	244	10	path	path	NOUN
gp-304	244	11	modeling	modeling	NOUN
gp-304	244	12	:	:	PUNCT
gp-304	244	13	alternative	alternative	ADJ
gp-304	244	14	methods	method	NOUN
gp-304	244	15	and	and	CCONJ
gp-304	244	16	empirical	empirical	ADJ
gp-304	244	17	results	result	NOUN
gp-304	244	18	.	.	PUNCT
gp-304	245	1	measurement	measurement	NOUN
gp-304	245	2	and	and	CCONJ
gp-304	245	3	research	research	NOUN
gp-304	245	4	methods	method	NOUN
gp-304	245	5	in	in	ADP
gp-304	245	6	international	international	ADJ
gp-304	245	7	marketing	marketing	NOUN
gp-304	245	8	,	,	PUNCT
gp-304	245	9	22	22	NUM
gp-304	245	10	,	,	PUNCT
gp-304	245	11	195	195	NUM
gp-304	245	12	-	-	SYM
gp-304	245	13	218	218	NUM
gp-304	245	14	.	.	PUNCT
gp-304	246	1	suhardi	suhardi	PROPN
gp-304	246	2	,	,	PUNCT
gp-304	246	3	d.	d.	PROPN
gp-304	246	4	,	,	PUNCT
gp-304	246	5	lestari	lestari	PROPN
gp-304	246	6	,	,	PUNCT
gp-304	246	7	e.	e.	PROPN
gp-304	246	8	p.	p.	PROPN
gp-304	246	9	,	,	PUNCT
gp-304	246	10	&	&	CCONJ
gp-304	246	11	kurniawan	kurniawan	PROPN
gp-304	246	12	,	,	PUNCT
gp-304	246	13	a.	a.	NOUN
gp-304	246	14	(	(	PUNCT
gp-304	246	15	2022	2022	NUM
gp-304	246	16	)	)	PUNCT
gp-304	246	17	.	.	PUNCT
gp-304	247	1	manajemen	manajeman	NOUN
gp-304	247	2	investasi	investasi	PROPN
gp-304	247	3	dan	dan	PROPN
gp-304	247	4	portofolio	portofolio	PROPN
gp-304	247	5	.	.	PUNCT
gp-304	248	1	jakarta	jakarta	PROPN
gp-304	248	2	:	:	PUNCT
gp-304	248	3	salemba	salemba	PROPN
gp-304	248	4	empat	empat	PROPN
gp-304	248	5	.	.	PUNCT
gp-304	249	1	sunarko	sunarko	PROPN
gp-304	249	2	,	,	PUNCT
gp-304	249	3	c.	c.	PROPN
gp-304	249	4	,	,	PUNCT
gp-304	249	5	&	&	CCONJ
gp-304	249	6	sutrisno	sutrisno	PROPN
gp-304	249	7	.	.	PUNCT
gp-304	249	8	(	(	PUNCT
gp-304	249	9	2025	2025	NUM
gp-304	249	10	)	)	PUNCT
gp-304	249	11	.	.	PUNCT
gp-304	250	1	the	the	DET
gp-304	250	2	effect	effect	NOUN
gp-304	250	3	of	of	ADP
gp-304	250	4	financial	financial	ADJ
gp-304	250	5	literacy	literacy	NOUN
gp-304	250	6	,	,	PUNCT
gp-304	250	7	financial	financial	ADJ
gp-304	250	8	self	self	NOUN
gp-304	250	9	-	-	PUNCT
gp-304	250	10	efficacy	efficacy	NOUN
gp-304	250	11	,	,	PUNCT
gp-304	250	12	financial	financial	ADJ
gp-304	250	13	technology	technology	NOUN
gp-304	250	14	literacy	literacy	NOUN
gp-304	250	15	,	,	PUNCT
gp-304	250	16	and	and	CCONJ
gp-304	250	17	risk	risk	NOUN
gp-304	250	18	perception	perception	NOUN
gp-304	250	19	on	on	ADP
gp-304	250	20	stock	stock	NOUN
gp-304	250	21	investment	investment	NOUN
gp-304	250	22	decisions	decision	NOUN
gp-304	250	23	:	:	PUNCT
gp-304	250	24	millennials	millennial	NOUN
gp-304	250	25	preferences	preference	NOUN
gp-304	250	26	.	.	PUNCT
gp-304	251	1	asian	asian	ADJ
gp-304	251	2	management	management	NOUN
gp-304	251	3	and	and	CCONJ
gp-304	251	4	business	business	NOUN
gp-304	251	5	review	review	NOUN
gp-304	251	6	,	,	PUNCT
gp-304	251	7	5(1	5(1	NUM
gp-304	251	8	)	)	PUNCT
gp-304	251	9	,	,	PUNCT
gp-304	251	10	19	19	NUM
gp-304	251	11	-	-	SYM
gp-304	251	12	34	34	NUM
gp-304	251	13	.	.	PUNCT
gp-304	252	1	suryono	suryono	PROPN
gp-304	252	2	,	,	PUNCT
gp-304	252	3	r.	r.	PROPN
gp-304	252	4	r.	r.	PROPN
gp-304	252	5	,	,	PUNCT
gp-304	252	6	budi	budi	PROPN
gp-304	252	7	,	,	PUNCT
gp-304	252	8	i.	i.	PROPN
gp-304	252	9	,	,	PUNCT
gp-304	252	10	&	&	CCONJ
gp-304	252	11	purwandari	purwandari	PROPN
gp-304	252	12	,	,	PUNCT
gp-304	252	13	b.	b.	PROPN
gp-304	252	14	(	(	PUNCT
gp-304	252	15	2020	2020	NUM
gp-304	252	16	)	)	PUNCT
gp-304	252	17	.	.	PUNCT
gp-304	253	1	challenges	challenge	NOUN
gp-304	253	2	and	and	CCONJ
gp-304	253	3	trends	trend	NOUN
gp-304	253	4	of	of	ADP
gp-304	253	5	financial	financial	ADJ
gp-304	253	6	technology	technology	NOUN
gp-304	253	7	(	(	PUNCT
gp-304	253	8	fintech	fintech	NOUN
gp-304	253	9	):	):	PUNCT
gp-304	253	10	a	a	DET
gp-304	253	11	systematic	systematic	ADJ
gp-304	253	12	literature	literature	NOUN
gp-304	253	13	review	review	NOUN
gp-304	253	14	.	.	PUNCT
gp-304	254	1	information	information	NOUN
gp-304	254	2	,	,	PUNCT
gp-304	254	3	11(12	11(12	NUM
gp-304	254	4	)	)	PUNCT
gp-304	254	5	,	,	PUNCT
gp-304	254	6	1	1	NUM
gp-304	254	7	-	-	SYM
gp-304	254	8	20	20	NUM
gp-304	254	9	.	.	PUNCT
gp-304	255	1	vigo	vigo	PROPN
gp-304	255	2	,	,	PUNCT
gp-304	255	3	s.	s.	PROPN
gp-304	255	4	,	,	PUNCT
gp-304	255	5	omar	omar	PROPN
gp-304	255	6	,	,	PUNCT
gp-304	255	7	b.	b.	PROPN
gp-304	255	8	m.	m.	PROPN
gp-304	255	9	f.	f.	PROPN
gp-304	255	10	,	,	PUNCT
gp-304	255	11	&	&	CCONJ
gp-304	255	12	rifda	rifda	PROPN
gp-304	255	13	,	,	PUNCT
gp-304	255	14	c.	c.	PROPN
gp-304	255	15	(	(	PUNCT
gp-304	255	16	2022	2022	NUM
gp-304	255	17	)	)	PUNCT
gp-304	255	18	.	.	PUNCT
gp-304	256	1	analysis	analysis	NOUN
gp-304	256	2	of	of	ADP
gp-304	256	3	the	the	DET
gp-304	256	4	influence	influence	NOUN
gp-304	256	5	of	of	ADP
gp-304	256	6	financial	financial	ADJ
gp-304	256	7	technology	technology	NOUN
gp-304	256	8	on	on	ADP
gp-304	256	9	the	the	DET
gp-304	256	10	investment	investment	NOUN
gp-304	256	11	decisions	decision	NOUN
gp-304	256	12	.	.	PUNCT
gp-304	257	1	rjoas	rjoas	PROPN
gp-304	257	2	,	,	PUNCT
gp-304	257	3	8(128	8(128	NOUN
gp-304	257	4	)	)	PUNCT
gp-304	257	5	,	,	PUNCT
gp-304	257	6	28	28	NUM
gp-304	257	7	-	-	SYM
gp-304	257	8	36	36	NUM
gp-304	257	9	.	.	PUNCT
gp-304	258	1	https://doi.org/10.1016/j.heliyon.2024.e39751	https://doi.org/10.1016/j.heliyon.2024.e39751	PROPN
gp-304	258	2	american	american	PROPN
gp-304	258	3	journal	journal	PROPN
gp-304	258	4	of	of	ADP
gp-304	258	5	economic	economic	ADJ
gp-304	258	6	and	and	CCONJ
gp-304	258	7	management	management	NOUN
gp-304	258	8	business	business	NOUN
gp-304	258	9	vol	vol	NOUN
gp-304	258	10	.	.	PROPN
gp-304	259	1	4	4	NUM
gp-304	259	2	no	no	NOUN
gp-304	259	3	.	.	NOUN
gp-304	259	4	8	8	NUM
gp-304	259	5	agustus	agustus	NOUN
gp-304	259	6	2025	2025	NUM
gp-304	259	7	1402	1402	NUM
gp-304	259	8	copyright	copyright	NOUN
gp-304	259	9	holders	holder	NOUN
gp-304	259	10	:	:	PUNCT
gp-304	259	11	rahma	rahma	PROPN
gp-304	259	12	artika	artika	X
gp-304	259	13	salampessy	salampessy	PROPN
gp-304	259	14	,	,	PUNCT
gp-304	259	15	astrie	astrie	ADJ
gp-304	259	16	krisnawati	krisnawati	NOUN
gp-304	259	17	(	(	PUNCT
gp-304	259	18	2025	2025	NUM
gp-304	259	19	)	)	PUNCT
gp-304	259	20	first	first	ADJ
gp-304	259	21	publication	publication	NOUN
gp-304	259	22	right	right	NOUN
gp-304	259	23	:	:	PUNCT
gp-304	259	24	ajemb	ajemb	PROPN
gp-304	259	25	–	–	PUNCT
gp-304	259	26	american	american	ADJ
gp-304	259	27	journal	journal	PROPN
gp-304	259	28	of	of	ADP
gp-304	259	29	economic	economic	ADJ
gp-304	259	30	and	and	CCONJ
gp-304	259	31	management	management	NOUN
gp-304	259	32	business	business	NOUN