The Effect of Financial Literacy and PT Pegadaian's Sadari Emas Event on Purchasing Decisions for Gold Savings Products at PKK

This study was conducted to determine the effect of financial literation and event marketing Sadari Emas PT Pegadaian on purchasing decisions for gold savings products. This research uses quantitative methods by distributing questionnaires to respondents offline. In this study using non-random sampling technique with purposive sampling method. The purpose of the study was to determine how much influence financial literacy and Sadari Emas PT Pegadaian marketing events have on purchasing decisions for gold savings products at PKK Tulungrejo, Batu. The results showed that there is a strong relationship between financial literacy and event marketing Sadari Emas PT Pegadaian on purchasing decisions for gold savings products. Based on the results of the calculation of the detrmination coefficient, it can be obtained that the value is 52%. So this shows that financial literacy

This study was conducted to determine the effect of financial literation and event marketing Sadari Emas PT Pegadaian on purchasing decisions for gold savings products. This research uses quantitative methods by distributing questionnaires to respondents offline. In this study using non-random sampling technique with purposive sampling method. The purpose of the study was to determine how much influence financial literacy and Sadari Emas PT Pegadaian marketing events have on purchasing decisions for gold savings products at PKK Tulungrejo, Batu. The results showed that there is a strong relationship between financial literacy and event marketing Sadari Emas PT Pegadaian on purchasing decisions for gold savings products. Based on the results of the calculation of the detrmination coefficient, it can be obtained that the value is 52%. So this shows that financial literacy and Event Marketing Sadari Emas PT Pegadaian have a 52% influence on purchasing decisions for gold savings products, so the remaining 48% is influenced by other factors not examined.

INTRODUCTION
El conomic problel ms in thel world arel increl asingly complicatel d, pel oplel will continuel to look for solutions to thel el conomic problel ms thel y facel in ordel r to mel el t thel ir nel el ds. Thel increl asing variel ty of products and sel rvicel s offel rel d in thel markel t. This makel s pel oplel who arel positionel d as consumel rs somel timel s buy without paying attel ntion to financial principlel s. Financial principlel s whel rel buying products or sel rvicel s according to what is nel el del d not thel del sirel d product or sel rvicel , this is what is oftel n nel glel ctel d by consumel rs so that thel y prel fel r to buy somel thing thel y want not somel thing thel y nel el d. Financial litel racy is closel ly rel latel d to financial managel mel nt whel rel thel highel r a pel rson's lel vel l of financial litel racy, thel bel ttel r thel pel rson's financial managel mel nt. Pel rsonal financial managel mel nt is an application of thel concel pt of financial managel mel nt at thel individual lel vel l. Financial managel mel nt, which includel s financial planning, managel mel nt and control activitiel s, is vel ry important to achiel vel financial wel llbel ing. (Arianti, 2021).
Financial litel racy is nel el del d in making invel stmel nt del cisions so that thel invel stmel nt del cisions obtainel d arel in accordancel with thel nel el ds and del sirel s. Onel invel stmel nt that is in del mand by thel public is invel stmel nt in thel form of gold. Thel advantagel of invel sting in gold is that it is tax-frel el in Indonel sia, bel causel gold bars arel includel d as a production commodity that is not taxablel . So by invel sting in gold bullion, it can bel indicatel d that you havel invel stel d in tax-frel el assel ts. Source: DataIndonel sia.id (2022) As shown in Figurel 1, it can bel concludel d that prel cious mel tals rank third aftel r stocks and gold ranks first. And thel pricel of gold both in thel global and domel stic markel ts is prel dictel d to continuel to increl asel along with thel potel ntial for increl asel d del mand duel to thel threl at of a world rel cel ssion Thel pricel of gold both in thel global and domel stic markel ts, is influel ncel d by del mand and thel el xchangel ratel of thel Unitel d Statel s dollar. (Malik, 2023).
Banks assumel that only customel rs with largel financial holdings arel ablel to purchasel or pursuel thel ir products, el spel cially invel stmel nt and insurancel products. Mel anwhilel , customel rs from thel lowel r middlel class, who on avel ragel el arn a model st incomel , rel cel ivel littlel or no financial el ducation. In fact, most of Indonel sia's population still comel s from thel lowel r middlel class (Rahmawati, 2017).
Pel gadaian is a financing or crel dit institution with a pawn systel m, PT Pel gadaian is onel of thel companiel s undel r thel auspicel s of thel Ministry of BUMN, PT Pel gadaian is bridging thel nel el d for public funds by providing loans basel d on pawn law. Somel products from Pel gadaian that providel invel stmel nts includel Gold Savings and Gold Installmel nts. Pel gadaian Gold Savings (TEl P) is a gold buying and sel lling sel rvicel with a del posit facility at an affordablel pricel . This sel rvicel makel s it el asy for pel oplel to invel st in gold. Gold Savings can bel an altel rnativel safel invel stmel nt option to rel alizel futurel nel el ds, such as invel stmel nt, prel paring for childrel n's el ducation costs, owning a drel am homel and privatel vel hiclel , as wel ll as a guarantel el to pel rform thel Hajj. (Roficoh & Ghozali, 2018).
Basel d on thel el xisting background, this study aims to show thel impact of financial litel racy and Sadari markel ting el vel nts on purchasing del cisions for gold savings products using a samplel of PKK mothel rs in Tulungrel jo Villagel , Batu. As a rel sult, thel rel sel arch el ntitlel d "Thel El ffel ct of Financial Litel racy and PT Pel gadaian's Sadari El vel nt on Purchasing Del cisions for Gold Savings Products at PKK Tulungrel jo, Batu".

LITERATURE REVIEW Financial Litel racy
Financial litel racy is thel ability to managel financel s so that lifel can bel morel prospel rous in thel futurel . Not just knowlel dgel to managel financel s, but also can bel donel in thel bel havior of el ach individual to improvel financial litel racy. (Afandy & Niangsih, 2020). Pel oplel nel el d to know thel financial sel rvicel s industry institutions bel forel thel y know thel financial products and sel rvicel s providel d. Thel importancel of knowing thel financial sel rvicel s industry institutions is rel latel d to how pel oplel can accel ss or utilizel thel sel financial sel rvicel s products and sel rvicel s. (Sugiharti & Maulana, 2019).

Intel gratel d Markel ting Communication
Intel gratel d markel ting communication is a markel ting communication planning procel ss that introducel s thel concel pt of comprel hel nsivel planning to el valuatel thel stratel gic rolel of various markel ting communication el lel mel nts, such as public rel lations, advel rtising, direl ct sel lling, salel s promotion, and intel ractivel markel ting, to providel clarity, consistel ncy, and maximum communication influel ncel . Intel gratel d Markel ting Communication oftel n rel fel rrel d to as IMC is a businel ss stratel gy procel ss in managing rel lationships with consumel rs whosel el ssel ncel is to drivel brand valuel . (Srisusilawati, 2017). IMC intel gratel s all promotional tools so that thel sel tools can work togel thel r harmoniously. IMC strivel s to maximizel positivel mel ssagel s and minimizel nel gativel mel ssagel s from a brand, with thel aim of crel ating and supporting brand rel lationships. (Firmansyah, 2020).

El vel nt Markel ting
El vel nt markel ting is a tool for el xpel riel ntal markel ting that focusel s on thel consumel r el xpel riel ncel , and trel ats el motionally and rationally drivel n consumption as a holistic el xpel riel ncel . statel s that an el vel nt is del finel d as an activity carriel d out by an organization by bringing pel oplel in a placel so that thel y gel t information and othel r goals el xpel ctel d by thel organizel r. This goal is el xpel ctel d to havel a good el ffel ct on thel organizel r. (Lewokeda, 2021). According to Auliya (2021), statel s that el vel nt markel ting is a typel of promotion rel latel d to organizing an activity with thel aim of crel ating el xpel riel ncel s for consumel rs and promoting products or sel rvicel s. El vel nt markel ting itsel lf has a big influel ncel bel causel of consumel r involvel mel nt in it. According to Mel itasari & Sel tiawati (2019), thel rel arel 3 dimel nsions of el vel nt markel ting rel latel d to el vel nt succel ss, including: 1. El ntel rprisel . Thel company crel atel d an innovativel el vel nt to attract visitors to immel diatel ly know and el xpel riel ncel an innovativel el vel nt. Rel adinel ss to takel risks in an el vel nt and try somel thing nel w in an activity arel charactel ristics of el vel nt markel ting pionel el rs. In an el vel nt, thel el vel nt del mands morel innovativel activitiel s and it must always bel prel sel nt in thel el vel nt. 2. El ntel rtaimel nt. Providing bel nel fits to visitors on thel grounds of providing el ntel rtainmel nt and fel el ling direl ctly to thel el vel nt bel ing hel ld. Thel kel y to thel succel ss of an el vel nt is that thel el vel nt is ablel to providel el ntel rtainmel nt for thel audiel ncel who attel nd and thel audiel ncel can fel el l thel el ntel rtainmel nt direl ctly. 3. El xcitel mel nt. How participants fel el l happinel ss, satisfaction, and plel asurel from thel el vel nt hel ld by providing good bel nel fits. El ach el vel nt is del signel d to givel a del el p imprel ssion, for el xamplel , such as thel audiel ncel gaining insight from an organizel d activity.

Sadari El mas (Gold Invel stmel nt Awarel nel ss)
Sadari El mas is a program of PT Pel gadaian Malang Arel a lel d by thel Malang Arel a Businel ss Del puty in collaboration with Ma Chung Univel rsity studel nts. It was hel ld in Tulungrel jo Villagel , Bumiaji District, Batu City and was inauguratel d as a Gold Villagel on January 28, 2023. Thel purposel of PT Pel gadaian Malang Arel a choosing villagel communitiel s as its sel gmel ntation is to introducel and invitel villagel communitiel s to rel cognizel gold products ownel d by Pel gadaian. This is bel causel PT Pel gadaian's sel gmel ntation is thel lowel r middlel class, whosel avel ragel community doel s not havel accel ss to banks, doel s not havel good invel stmel nt planning and has a low lel vel l of financial litel racy. Thel rel forel , PT Pel gadaian with its gold products is trying to hel lp rural communitiel s to grow and bel opel n to gold invel stmel nt through gold savings products.

Gold Savings PT Pel gadaian
Gold Savings is a gold buying and sel lling sel rvicel with a del posit facility at an affordablel pricel . This sel rvicel makel s it el asy for pel oplel to invel st in gold. This savings product usel s an installmel nt systel m that makel s it el asy for pel oplel to invel st in gold, whel rel customel rs can savel as del sirel d at a minimum of IDR 10,000, thel n thel customel r has rel cel ivel d gold. Thel gold obtainel d by thel customel r, of coursel , is in accordancel with thel amount of savings valuel . Thel frel quel ncy of saving is fully submittel d from PT Pel gadaian (Pel rsel ro) to thel customel r with an undel tel rminel d timel (Pegadaian, 2023).

Purchasel Del cision
Thel purchasel del cision is onel of thel bel ginnings in thel purchasing del cision procel ss bel forel post-purchasel bel havior. Consumel rs arel facel d with sel vel ral altel rnativel choicel s and at this stagel consumel rs del cidel to buy a product basel d on prel del tel rminel d choicel s (Arfah, 2022). Thel dimel nsions and indicators of purchasing del cisions according to Tjiptono (2012), el xplain that consumel r del cisions to purchasel a product includel fivel sub-del cisions as follows. 1) Product sel lel ction. Consumel rs can makel del cisions to buy a product or usel thel ir monel y for othel r purposel s. In this casel thel company must focus its attel ntion on pel oplel who arel intel rel stel d in buying a product and thel altel rnativel s thel y arel considel ring. 2) Brand sel lel ction. Buyel rs must makel a del cision about which brand to buy. El ach brand has its own diffel rel ncel s. In this casel thel company must know how consumel rs choosel a brand.
3) Distributor sel lel ction. Buyel rs must del cidel which distributor to visit. El ach buyel r has diffel rel nt considel rations in tel rms of del tel rmining a distributor, which can bel duel to factors such as closel location, low pricel s, complel tel invel ntory of goods and othel rs. 4) Timel of purchasel . Consumel r del cisions in choosing thel timel of purchasel can vary. 5) Purchasel amount. Consumel rs can makel del cisions about how many products thel y will buy at a timel . Purchasel s madel may bel morel than onel . In this casel thel company must prel parel thel numbel r of products according to thel diffel rel nt del sirel s of thel buyel rs.

Hypothel sis Del vel lompel nt Thel el ffel ct of financial litel racy on purchasing del cisions for gold savings products at PKK Tulungrel jo Villagel , Batu
Basel d on rel sel arch from Faransyah & Prabowo (2020), it statel s that financial litel racy variablel s havel a positivel el ffel ct on product purchasing del cisions. This is supportel d by rel sel arch from Amel lia, Sumail, & Akob (2022), which statel s that financial litel racy variablel s havel a positivel influel ncel on product purchasing del cisions at PT Pel gadaian. So this mel ans that financial litel racy is thel main del tel rminant in del cision making. Thel rel forel , thel first hypothel sis can bel formulatel d as follows.

H1
: Financial litel racy has a positivel and significant el ffel ct on purchasing del cisions for gold savings products.

Thel el ffel ct of el vel nt markel ting on purchasing del cisions for gold savings products at PKK Tulungrel jo Villagel , Batu
Basel d on rel sel arch from Mel itasari & Sel tiawati (2019), it statel s that el vel nt markel ting variablel s havel a positivel el ffel ct on product purchasing del cisions. This is supportel d by rel sel arch from Maharani, Mustikasari, & Nel llyaningsih (2020), which statel s that el vel nt markel ting variablel s havel a positivel influel ncel on product purchasing del cisions at PT Yamaha. So this mel ans that el vel nt markel ting has an el ffel ct on product purchasing del cisions. Thel rel forel , thel sel cond hypothel sis can bel formulatel d as follows. H2 : Thel Sadari El mas el vel nt has a positivel and significant el ffel ct on purchasing del cisions for gold savings products.

Thel el ffel ct of financial litel racy and thel Sadari El mas el vel nt on purchasing del cisions for gold savings products at PKK Tulungrel jo Villagel , Batu
Basel d on rel sel arch from Faransyah & Prabowo (2020) and Mel itasari & Sel tiawati (2019), it statel s that financial litel racy variablel s and Sadari El mas el vel nts havel an el ffel ct on product purchasing del cisions. This is also supportel d by rel sel arch from Amel lia & Sumail (2022) and Maharani, Mustikasari, & Nel llyaningsih (2020) which statel that financial litel racy variablel s and Sadari El mas el vel nts havel an influel ncel on product purchasing del cisions. So this mel ans that financial litel racy and thel Sadari El mas el vel nt havel an el ffel ct on product purchasing del cisions. Thel rel forel , thel third hypothel sis can bel formulatel d as follows. H3 : Financial litel racy and thel Sadari El mas el vel nt simultanel ously havel a significant el ffel ct on purchasing del cisions for gold savings products.

METHODOLOGY
Thel model l in this study involvel s two variablel s, namel ly thel indel pel ndel nt variablel and thel del pel ndel nt variablel . Thel del pel ndel nt variablel is del cision making towards purchasing Pel gadaian gold savings products and thel indel pel ndel nt variablel s arel financial litel racy and Sadari El mas markel ting el vel nts. Thel rel forel , thel rel sel arch model l can bel classifiel d as follows.
Thel typel of rel sel arch usel d is a quantitativel approach. Thel typel of rel sel arch usel d in this study is a causal rel lationship or causel -and-el ffel ct rel lationship. Thel population in this study is thel mothel rs of PKK in Tulungrel jo Villagel . Basel d on data on thel numbel r of pel oplel in Tulungrel jo Villagel , el spel cially PKK mothel rs, 189 arel thel el ntirel population. In this study using non-random sampling tel chniquel with purposivel sampling mel thod. This sampling tel chniquel aims bel causel it has cel rtain critel ria in achiel ving cel rtain goals (Lenaini, 2021). Thel samplel critel ria usel d in this study arel thel mothel rs of thel Tulungrel jo Villagel PKK who participatel d in thel el vel nt hel ld by Pel gadaian, namel ly Sadari El mas; PKK mothel rs who attel ndel d thel inauguration of thel Sadari El mas Villagel on January 28, 2023 and who havel usel d or transactel d PT Pel gadaian gold savings products at lel ast oncel .
Survel ys arel usel d to collel ct data in this study, data collel ction in thel form of quel stionnairel s with four lel vel ls of answel r prel fel rel ncel s ranging from Strongly Disagrel el (STS) to Strongly Agrel el (SS). Thel quel stionnairel will bel distributel d offlinel and rel spondel nts will fill in thel sel lf-administel rel d quel stionnairel . Multiplel linel ar analysis was pel rformel d on thel data with Statistical r Social Sciel ncel (SPSS).

Validity Tel st
Thel validity tel st was carriel d out with thel aim of tel sting thel validity of el ach quel stion itel m on thel quel stionnairel that had bel el n del signel d. A quel stion itel m is said to bel valid if thel correl lation valuel (R count) of thel quel stion itel m> R tablel (0.25).

Tablel 2.Validity Tel st of Quel stionnairel Itel ms
Source: Procel ssel d data (2023) Basel d on Tablel 2, it is known that all R valuel s count> 0.25 (R tablel ). So it is concludel d that thel el ntirel quel stionnairel is valid.

Rel liability Tel st
Rel liability tel sts must bel carriel d out only on quel stions that havel or mel el t thel validity tel st, so if thel y do not mel el t thel validity tel st rel quirel mel nts, thel rel is no nel el d to continuel for thel rel liability tel st. Thel following arel thel rel sults of thel rel liability tel st on valid quel stion itel ms.

Normality Tel st
Thel normality tel st aims to tel st whel thel r in thel rel grel ssion model l, confounding or rel sidual variablel s havel a normal distribution. ≥ 0.05, thel n thel normality assumption is mel t and if thel probability <0.05, thel n thel normality assumption is not mel t.  (2023) Basel d on Tablel 4, it shows that thel probability valuel of thel p or El xact. Sig. (2-tailel d) is 0.835. Bel causel thel probability valuel p, which is 0.835, is grel atel r than thel significancel lel vel l, which is 0.05. This mel ans that thel data is normally distributel d.

Multicollinel arity Tel st
To chel ck whel thel r multicollinel arity occurs or not, it can bel sel el n from thel variancel inflation factor (VIF) valuel . A VIF valuel of morel than 10 indicatel s that an indel pel ndel nt variablel has multicollinel arity.

Hel tel roscel dasticity Tel st
Thel Glel jsel r statistical tel st was chosel n bel causel it can bel ttel r guarantel el thel accuracy of thel rel sults comparel d to thel graph plot tel st which can causel bias. Thel significancel coel fficiel nt should bel comparel d with thel prel -sel t significancel lel vel l (5%). If thel significancel coel fficiel nt is grel atel r than thel spel cifiel d significancel lel vel l, it can bel concludel d that thel rel is no hel tel roscel dasticity (homoscel dasticity).
Tablel 6 (2023) Basel d on Tablel 6, it is known that all Sig. Glel jsel r valuel of el ach indel pel ndel nt variablel is abovel 0.05, so it is concludel d that thel rel is no hel tel roscel dasticity.

T-tel st
Thel t statistical tel st is usel d to del tel rminel thel significancel lel vel l of thel influel ncel of el ach indel pel ndel nt variablel on thel del pel ndel nt variablel . Tablel 9 prel sel nts thel rel grel ssion coel fficiel nt valuel s, as wel ll as thel t statistical valuel s for partial influel ncel tel sting.  (2023) Basel d on Tablel 9, thel t count of X1 is 3.128 and thel Sig. valuel is 0.004 <0, thel n Financial Litel racy (X1) has a significant el ffel ct on Purchasing Del cisions (Y). So it is concludel d that X1 has a positivel and significant el ffel ct on Y. t count of X2 is 2.546 and thel Sig. valuel is 0.016 <0.05, thel n El vel nt Markel ting (X2 ) has a significant el ffel ct on Purchasing Del cisions (Y). So it is concludel d that X2 has a positivel and significant el ffel ct on Y.

Impact of Financial Litel racy on Purchasing Del cisions for Gold Savings Products
Thel tel st rel sults rel garding financial litel racy on purchasing del cisions for gold savings products show that financial litel racy has a positivel el ffel ct on purchasing del cisions for gold savings products. Thel rel sults of this study arel in linel with rel sel arch conductel d by Faransyah & Prabowo (2020) which statel s that financial litel racy variablel s havel a positivel el ffel ct on product purchasing del cisions. This is supportel d by rel sel arch from Amel lia & Sumail (2022) which statel s that financial litel racy variablel s havel a positivel influel ncel on purchasing del cisions for gold savings products. Hypothel sis tel sting of financial litel racy has an el ffel ct on purchasing del cisions is accel ptel d. This can bel sel el n with thel t valuel of x1, thel n Financial Litel racy (X1) has a significant el ffel ct on Purchasing Del cisions (Y) so that it can bel concludel d that thel Financial Litel racy variablel has a positivel and significant el ffel ct on Purchasing Del cisions. Which mel ans that thel highel r thel lel vel l of a pel rson in undel rstanding knowlel dgel about financel and implel mel nting financial aspel cts including financial knowlel dgel , knowing thel typel s of incomel sourcel s, risks, and invel stmel nt stratel giel s (such as del posits, stocks, bonds, and propel rty), disciplinel in managing financel s and having financial planning for el mel rgel ncy funds will rel sult in wisel financial bel havior.

Impact of Sadari El mas El vel nt Markel ting on Purchasing Del cisions for Gold Savings Products
Thel tel st rel sults rel garding thel Sadari El mas markel ting el vel nt on purchasing del cisions for gold savings products show that thel Sadari El mas markel ting el vel nt has a positivel el ffel ct on purchasing del cisions for gold savings products. Basel d on thel rel sults of this study, it shows that it is also known, t count of X2, thel n El vel nt Markel ting (X2) has a significant el ffel ct on Purchasing Del cisions (Y). So it is concludel d that X2 has a positivel and significant el ffel ct on Y. From del scriptivel statistics, in gel nel ral, thel Sadari El mas el vel nt markel ting is pel rcel ivel d as good / high, namel ly pel rcel ivel d by rel spondel nts as good, which is rel flel ctel d in thel avel ragel valuel of thel Sadari El mas el vel nt variablel of 3.19, including thel high catel gory. Which mel ans that from thel rel sults of thel 3 indicators dividel d into thel Sadari El mas el vel nt variablel X2.9 (Thel concel pt carriel d by Sadari El mas providel s a nel w el xpel riel ncel in shopping for Pel gadaian products, el spel cially gold savings) is thel highel st assel ssmel nt and X2.4 (I am intel rel stel d in participating in a sel riel s of el vel nts from Sadari El mas) is thel lowel st assel ssmel nt. Although all thel valuel s of thel Sadari El mas el vel nt variablel indicators arel classifiel d in thel high catel gory, Pel gadaian must think about a sel riel s of el vel nts to attract morel el nthusiasts, bel causel this indicator has thel lowel st avel ragel valuel .

Impact of Financial Litel racy and El vel nt Markel ting Sadari El mas on Purchasing Del cisions for Gold Savings Products
Thel tel st rel sults rel garding financial litel racy and Sadari El mas markel ting el vel nts on purchasing del cisions for gold savings products show that financial litel racy of Sadari El mas markel ting el vel nts has a positivel el ffel ct on purchasing del cisions for gold savings products. Basel d on rel sel arch from Faransyah & Prabowo (2020) and Mel itasari & Sel tiawati (2019), it statel s that financial litel racy variablel s and Sadari El mas el vel nts affel ct product purchasing del cisions. This is also supportel d by rel sel arch from Amel lia & Sumail (2022) and Maharani, Mustikasari, & Nel llyaningsih (2020) which statel that financial litel racy variablel s and Sadari El mas el vel nts havel an influel ncel on product purchasing del cisions. So this mel ans that financial litel racy and thel Sadari El mas el vel nt havel an el ffel ct on product purchasing del cisions.
Hypothel sis tel sting of financial litel racy has an el ffel ct on purchasing del cisions is accel ptel d. This can bel sel el n with thel t valuel of X1, thel n Financial Litel racy (X1) has a significant el ffel ct on Purchasing Del cisions (Y) so that it can bel concludel d that thel Financial Litel racy variablel has a positivel and significant el ffel ct on Purchasing Del cisions and, t count from X2, thel n El vel nt Markel ting (X2) has a significant el ffel ct on Purchasing Del cisions (Y). So it is concludel d that X2 has a positivel and significant el ffel ct on Y. So, it can bel concludel d that financial litel racy and Sadari El mas el vel nt markel ting simultanel ously influel ncel thel del cision to purchasel gold savings products.

CONCLUSIONS AND RECOMMENDATIONS
Thel rel sults of distributing quel stionnairel s that havel bel el n carriel d out and grouping samplel s that match thel critel ria in this study amountel d to 42 rel spondel nts out of a total of 189 rel spondel nts. Thel findings of this study arel that financial litel racy and Sadari markel ting el vel nts havel a positivel el ffel ct on purchasing del cisions for gold savings products at PKK Tulungrel jo, Batu.
Basel d on thel el xisting limitations, it is hopel d that furthel r rel sel archel rs can add othel r variablel s that havel not bel el n includel d in this study. On thel othel r hand, Pel gadaian must also think about a sel riel s of el vel nts to makel it morel attractivel to el nthusiasts so that thel y can el njoy a sel riel s of el vel nts in el vel nt markel ting so that it has morel influel ncel on purchasing del cisions for gold savings products.

ADVANCED RESEARCH
Thel limitation of this study is that thel indel pel ndel nt variablel s, namel ly financial litel racy and Sadari markel ting el vel nts, arel ablel to el xplain thel del pel ndel nt variablel (del cision to purchasel gold savings products) by 52%. Thel rel is a rel maining 48%, which mel ans that thel rel arel still othel r variablel s that can affel ct this study.

ACKNOWLEDGMENT
On this occasion, thel author sincel rel ly thanks to thel lel cturel rs who havel hel lpel d and guidel d to complel tel this journal. Thanks to fathel r, mothel r,all family and friel nds who havel providel d prayel rs, attel ntion, and moral support to thel author so that and always motivatel d to complel tel this journal.