The development of economic growth in the era of globalization in Indonesia is currently experiencing very rapid progress. Therefore every individual or everyone must have sufficient knowledge and ability to manage a financial resource. This study aims to determine the effect of financial literacy, financial efficacy, and income on investment decisions during the Covid-19 period in the people of Jambi City. The sampling technique is using a purposive sampling method by distributing questionnaires as an instrument for taking a sample of 100 respondents. Researchers use a quantitative and associative approach. This study uses Multiple Linear Analysis namely T Test and F Test with data processing using SPSS 25 Software. The results of this study indicate that: (1) Financial literacy has a significant effect on investment decisions (2) Financial efficacy has no significant effect on investment decisions (3) Income has a significant effect on investment decisions and (4) Financial literacy, financial efficacy and income together have an effect on investment decisions. The results of the R2 test show that the variables financial literacy, financial efficacy, and income, and risk explain 68.9% of the dependent variable, namely investment decisions, while the remaining 31.1% is explained by other variables not included in this study.

Arianti, B. F. (2020). Pengaruh Pendapatan dan perilaku keuangan terhadap literasi keuangan melalui keputusan berinvestasi sebagai variabel intervening. Jurnal Akuntansi, 10(1), 13-36.

Adnyana, I Made(2020).Manajemen Investasi dan Portofolio.Jakarta: Lembaga Penerbitan Universitas Nasional (LPU-UNAS).

Annisa, S., Hartarto, I., Damanik, S. N., & Hasibuan, R. R. A. (2022). Analisis Faktor-Faktor yang Mempengaruhi Minat Mahasiswa Berinvestasi di Pasar Modal Syariah. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 3(2), 347-361.

Awais, M., Fahad Laber, M., Rasheed, N., & Khursheed, A. (2016). International Journal of Economics and Financial Issues Impact of Financial Literacy and Investment Experience on Risk Tolerance and Investment Decisions: Empirical Evidence from Pakistan. International Journal of Economics and Financial Issues, 6(1), 7379.

Dewi, I. M., & Purbawangsa, I. B. A. (2018). Pengaruh literasi keuangan, pendapatan serta masa bekerja terhadap perilaku keputusan investasi. E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 7(7), 1867-1894.

Dwi R.M.I, Imam Suseno & Yolanda. (2022) Minat Wirausaha Mahasiswa Berbasis Ekonomi Kreatif di Masa Pandemi Covid 19. E-Jurnal Sosio e-Kons, 14 (1), 45-53.

Farrell, L., Tim, R. dan Risse, L. 2016. The significance of financial self-efficacy in explaining womens personal finance behavior. Journal of Economic Psychology Vol: 54. Pp 85-99.

Harnanto. (2019). Dasar-Dasar Akuntansi. Yogyakarta

Lenaini, I. (2021). Teknik pengambilan sampel purposive dan snowball sampling. Historis: Jurnal Kajian, Penelitian dan Pengembangan Pendidikan Sejarah, 6(1), 33-39.

Loprang, W. R., Saerang, I. S., & Lintong, D. C. A. (2022). Pengaruh Literasi Keuangan Dan Efikasi Keuangan Terhadap Keputusan Investasi Masyarakat Malalayang Dua Lingkungan Dua. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 10(1), 1295-1304.

Nasution, G. M. (2021). Pengaruh Literasi Keuangan, Efikasi Keuangan dan Faktor Demografi Terhadap Pengambilan Keputusan Investasi (Doctoral dissertation).

Otoritas Jasa Keuangan. 2019. Pasar Modal, Pengelolaan Investasi.

OJK. (2018). Literasi Keuangan. In Literasi dan Inklusi Keuangan Indonesia (p. 8). Depok: Rajawali pers.

Putri, W. W., & Hamidi, M. (2019). Pengaruh literasi keuangan, efikasi keuangan, dan faktor demografi terhadap pengambilan keputusan investasi (studi kasus pada mahasiswa magister manajemen fakultas ekonomi universitas andalas padang). Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 4(1), 210-224.

Pramika, Depi. (2017). Faktor-Faktor Yang Mempengaruhi Pendapatan Rumah Tangga Di Kabupaten Empat Lawang Provinsi Sumatera Selatan. Jembatan (Jurnal Ekonomi, Manajemen, Bisnis, Auditing, Dan Akuntansi) Vol.2, No.1, Juni 2017: 33 49

Rahmayanti, A., Safitri, A. L., & Minata, F. (2021). Pengaruh Risiko, Return, dan Perekonomian Indonesia Terhadap Keputusan Berinvestasi Saham Saat Covid-19. HUMANIS (Humanities, Management and Science Proceedings), 1(2).

Ramadhani, N. A., & Firli, A. (2020). The Effect Of Financial Literacy On Investment0303Social Economics,

Soetiono, K., & Setiawan, C. (2018). Literasi Dan Inklusi Keuangan Indonesia. Depok: PT. Raja Grafindo Persada.

Tandelilin. (2010). Portofolio Dan Investasi Teori Dan Aplikasi (Satu). Yogyakarta: Kanisius.

Yushita, A. N. (2017). Pentingnya literasi keuangan bagi pengelolaan keuangan pribadi. Nominal: Barometer Riset Akuntansi dan Manajemen, 6(1), 11-26.