The research aims to examine the effect of religiosity and demographic factors on investment risk-taking. The demographic factors studied were age, gender, and level of education. This research sample is the owner of SMEs in the Banyumas district, Indonesia. Respondents in this study are 77 Muslim SME owners. The results showed that religiosity and education level had a positive influence on investment risktaking. Age and gender do not influence investment risk-taking. This study will contribute to SME owners, namely the importance of incorporating elements of religion in running their business. This research also contributes to policymakers in developing SMEs in Banyumas Regency, Indonesia.
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