Investment intention in millennials and Gen Z in Indonesia grows yearly. However, the cause of the growing enthusiasm for investment among millennials and Gen Z is recently fear of being vulnerable to Fear of Missing Out (FOMO) behaviour alone, not based on financial factors such as financial knowledge, financial well-being and financial attitude. This study aims to determine the role of financial knowledge and financial well-being on investment intention mediated by financial attitude. This research belongs to the type of explanatory research. Respondents in this study are Millennials and Gen Z generations who invest and live in Malang City. Determination of the number of samples in this study using the purposive sampling technique with a total sample of 400 respondents. Methods of collecting data using a questionnaire, then analyzed using PLS-SEM. The study results confirm that financial knowledge positively affects investment intention. Financial well-being does not affect investment intention. Financial attitude has a positive influence on investment intention. Financial knowledge and financial well-being have a positive influence on financial attitude. Financial attitude can partially mediate the relationship between financial knowledge and investment intention. In addition, financial attitude can also mediate the relationship between financial well-being and investment intentions fully. Millennials and Gen Z are expected to improve financial knowledge and attitudes to increase interest in more targeted investments. This advice will also positively impact the Financial Well-being of millennials and Gen Z in the future.

This study discusses legal protection for banks with the status of BPS BPIH in curbing haj bailout financing that has passed the provisions of the Indonesian Ministry of Religion, in Article 12A paragraph (3) of the Regulation of the Minister of Religion Number 24 of 2016 which formulates “In the event that there are still haj bailout funds has not been resolved after the deadline as referred to in paragraph (2) the portion number for Pilgrims is still active ”. This study uses a normative juridical method with a statutory approach and a conceptual approach. The result is legal protection for BPS BPIH in obtaining its right to obtain certainty of repayment of funds for financing the status of the portion of the hajj is still active as regulated in Article 12A paragraph (3) of the Regulation of the Minister of Religion Number 24 of 2016. The formulation of the settlement of haj bailout financing through the fulfillment of formal requirements the formation of legislation by involving the financial services authority in the company, and the material requirements, namely by accommodating the rights of all stakeholders of haj bailout financing.