Pengaruh Emosi, Materialisme, Literasi Keuangan, Persepsi Risiko Dan Pengalaman Keuangan Terhadap Propensity to Indebtedness (Studi Pada Nasabah Kredit Plus Kendari)

Patulak, Lucia Evianti; Sarita, Buyung; Hamid, Wahyuniati

doi:10.33772/jumbo.v4i3.16357

Cited by 3 publications

(3 citation statements)

References 10 publications

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“…Individuals who have high financial literacy can help individuals manage their finances better, make better financial decisions and can improve financial well-being thereby reducing the propensity to indebtedness. The results of this research are in accordance with the results of research conducted by Potrich and Vieira (2018), Prashella and Leon (2020), Wahono and Pertiwi (2020) and Patulak, Sarita and Hamid (2020).…”

Section: Resultssupporting

confidence: 90%

“…Flores and Vieira (2014) explained that financial literacy as a collection of information that helps people manage their income, money management, expenses and loans, savings and investments in the short and long term. The research results of Patulak, Sarita and Hamid (2020) show that financial literacy has a negative effect on propensity to indebtedness. Individuals who have a high level of financial literacy will be able to reduce the propensity to indebtedness.…”

Section: Introductionmentioning

confidence: 97%

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Financial Literacy, Risk Perception, Materialism and Propensity to Indebtedness

Pamungkas,

Herwindiati,

Taba

2024

ijaeb

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The purpose of this paper is to study the influence of financial literacy, risk perception and materialism on propensity to indebtedness. The number of samples in this study was 200 respondents who were credit card users who already had income in the Jakarta area. For data analysis, this study used Structural Equation Modelling (SEM). The result of this study indicated that Financial Literacy and Risk Perception has a negative effect on Propensity to Indebtedness, while Materialism has a positive effect on Propensity to Indebtedness.

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Section: Resultssupporting

confidence: 90%

Section: Introductionmentioning

confidence: 97%

Financial Literacy, Risk Perception, Materialism and Propensity to Indebtedness

Pamungkas,

Herwindiati,

Taba

2024

ijaeb

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“…Risk perception adalah penilaian seseorang pada situasi berisiko, yang dapat menimbulkan kerugian akibat buruknya suatu keputasan terutama pada keputusan keuangan (Patulak et al, 2021). Doosoti dan Karampour (2017) menjelaskan money value sebagai konsep dasar seseorang menilai uang yang dapat diklasifikasan sebagai status sosial, prestise, ataupun ketimpangan sosial dan dominasi.…”

Section: Risk Perceptionunclassified

Pengaruh Financial Literacy, Materialism, Risk Perception, dan Money Value terhadap Propensity to Indebtedness

Mitta

Pamungkas

2022

JMK

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Saat ini Indonesia memasuki masa bonus demografi. 25,87% dari total penduduk Indonesia merupakan generasi milenial yang lahir diantara 1981 – 1996. Milenial dikenal sebagai generasi yang lahir di masa pertumbuhan era digital sehingga dapat dan mampu menggunakan teknologi. Kemampuannya untuk menggunakan teknologi, karakter hedonis dan konsumtif pada generasi milenial, terutama mereka yang tinggal di kota-kota besar seperti Jakarta memicu para generasi milenial untuk memilih jalan pintas seperti berhutang demi memiliki kehidupan yang mewah. Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, materialism, risk perception, dan money value terhadap propensity to indebtedness terutama generasi milenial yang berdomisili di kota Jakarta. Pada penelitian ini terdapat 200 orang responden dari generasi milenial dan berdomisili di kota Jakarta yang berhasil dikumpulkan melalui kuesioner dengan teknik pengumpulan sampel purposive sampling. Data yang telah berhasil dikumpulkan kemudian diolah dengan metode analisis data PLS-SEM. Hasil pengujian hipotesis menunjukkan terdapat pengaruh negatif financial literacy terhadap propensity to indebtedness, terdapat pengaruh positif materialism terhadap propensity to indebtedness, dan terdapat pengaruh negatif risk perception terhadap propensity to indebtedness. Namun, tidak terdapat pengaruh money value terhadap propensity to indebtedness. Currently, Indonesia is entering a period of demographic bonus. 25.87% of the total population in Indonesia is the millennial generation who was born between 1981 – 1996. Millennials are known as the generation born in the era of digital growth so they can and are able to use technology. Their ability to use technology, hedonistic and consumptive character the millennial generation, especially those who live in big city like Jakarta trigger millennials to choose shortcuts such as to be in debt in order to have a luxurious life. This study aims to determine the effect of financial literacy, materialism, risk perception, and money value on propensity to indebtedness the millennial generation who live in Jakarta. In this study, there were 200 respondents from the millennial generation and domiciled in the city of Jakarta who were successfully collected through a questionnaire with purposive sampling technique. The data that has been successfully collected is then processed using the PLS-SEM method. The hypothesis test results show that there is a negative effect of financial literacy on the propensity to indebtedness, there is a positive effect of materialism on propensity to indebtedness, and there is a negative effect of risk perception on propensity to indebtedness. However, there is no effect of the value of money on propensity to indebtedness.

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Analysis of the Influence of Financial Literacy, Compulsive Buying, and Income on Debt Behavior

Silaban,

Fachrudin,

Irawati

et al. 2024

Indatu J. Manag. Account.

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Ease of shopping, low self-control, and income have encouraged unhealthy debt behavior in this current era. This research examines factors that encourage debt behavior, such as financial literacy, compulsive buying, and income. The subjects of this study are active undergraduate students at the Faculty of Economics and Business, Universitas Sumatera Utara (USU). This type of research is associated with quantitative data and was conducted at the USU in Medan City from March 2023 to January 2024. The sample used was 528 students, who were selected by random sampling method according to the Slovin formula. The analysis technique used is multiple linear regression analysis. Research results show that partial financial literacy has a negative and significant impact on debt behavior, compulsive buying has a positive and significant impact on debt behavior, and income has a negative and significant impact on debt behavior among active students at the Faculty of Economics and Business, USU. Students should have good financial literacy, minimize compulsive buying, and control themselves in carrying out various transactions adjusted to their income; then, debt behavior will be minimized.

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Pengaruh Emosi, Materialisme, Literasi Keuangan, Persepsi Risiko Dan Pengalaman Keuangan Terhadap Propensity to Indebtedness (Studi Pada Nasabah Kredit Plus Kendari)

Cited by 3 publications

References 10 publications

Financial Literacy, Risk Perception, Materialism and Propensity to Indebtedness

Financial Literacy, Risk Perception, Materialism and Propensity to Indebtedness

Pengaruh Financial Literacy, Materialism, Risk Perception, dan Money Value terhadap Propensity to Indebtedness

Analysis of the Influence of Financial Literacy, Compulsive Buying, and Income on Debt Behavior

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