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Library's collection Library's IT development CancelInvesting is an act of putting extra funds or money in an asset to get future benefits in
the form of capital gains/dividends/interest. Someone could decide whether to put the money
in an asset or not. From 2020 to 2021, the total number of Indonesian investors increased by
57% or becoming 6,100,000. The younger investors within the age of 18-25 or can be categorized
as university student age, hold 36% of the total investors of all ages. Surabaya is also one city
that leads East Java in terms of the number of investors contributing 98,142 out of 360,414
investors in East Java. The researchers put financial literacy, financial behavior, income, and
financial risk tolerance as the independent variable. The dependent variable of this research is
investment decision. To do this research, an online survey was done, and the researchers were
able to attain 224 respondents. The data is analyzed by using Binary Logistic regression through
IBM SPSS statistics. After the data is processed, the researchers found out that financial literacy,
financial behavior, income, and financial risk tolerance impact Surabaya university students’
investment decision.