Pengaruh Literasi Finansial, Inklusi Keuangan, Teman Sebaya, dan Kontrol Diri terhadap Perilaku Menabung Mahasiswa

Putri, Ericka Berliani; Wahjudi, Eko

doi:10.26740/jpak.v10n3.p217-231

Cited by 14 publications

(21 citation statements)

References 6 publications

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“…The more millennials who use products in financial services, especially in the savings and investment sector, the greater the tendency to own savings products, the percentage of allocations, and the volume of saving transactions both per month and per year carried out by the millennial generation. These results are in line with Putri and Susanti (2018) and Ardiana (2016), which state that increasing financial inclusion will increase saving behaviour in individuals.…”

Section: Testing the Structural Model (Inner Model)supporting

confidence: 87%

The Influence of Financial Literacy and Financial Inclusion on Saving and Investment Behaviour for Millennial Generation in DKI Jakarta

Viana¹,

Purwanto²,

Farah³

2023

TIJAB

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Background: In 2019, financial literacy level in Indonesia was only 38,03%, while the financial inclusion rate was 76,19%. Financial literacy and inclusion levels related to saving that are identical to the banking sector have the highest values, with 36,12% and 73,88%, while investment in capital market has the second lowest values, at 4,92% and 1,55%. However, the ratio of gross savings to gross domestic product in Indonesia was reported only at 31,01%, while several other Asian countries reached more than 40%. Objective: This study aims to measure the level of financial literacy and inclusion of millennial generations in DKI Jakarta. It analyses the influence of financial literacy and inclusion on saving and investment behaviour, the influence of financial literacy on financial inclusion, and the influence of saving behaviour on investment behaviour. Method: The data analysis used descriptive and SEM-PLS analyses. Results: The results show that the financial literacy rates and the average of inclusion rates of millennial generation in DKI Jakarta are 50% and 60% respectively. Financial literacy and inclusion have an influence on saving and investment behaviour. Also, financial literacy affects financial inclusion, while the saving behaviour does not influence investment behaviour. Conclusion: Financial literacy and inclusion have a positive and significant effect on saving behaviour and investment behaviour. Financial literacy also has a positive and significant effect on financial inclusion. However, saving behaviour does not have a significant effect on investment behaviour. Keywords: financial inclusion; financial literacy; investment behaviour; millennial generation; saving behaviour

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Section: Testing the Structural Model (Inner Model)supporting

confidence: 87%

The Influence of Financial Literacy and Financial Inclusion on Saving and Investment Behaviour for Millennial Generation in DKI Jakarta

Viana¹,

Purwanto²,

Farah³

2023

TIJAB

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“…Dalam jangka panjang, meningkatnya literasi keuangan syariah akan berdampak pada peningkatan jumlah nasabah di lembaga keuangan, termasuk bank syariah (Ruwaidah, 2020). Masyarakat dimungkinkan membuat keputusan lebih baik dan strategis dengan peningkatan literasi keuangan syariah, termasuk keputusan untuk menabung di bank syariah (Wardani, 2019).…”

Section: Literasi Keuangan Syariahunclassified

“…Peningkatan literasi mereka terjadi apakah karena mereka memang telah terdidik sebelumnya, atau dapat pula mereka paham setelah melakukan mendatangi bank syariah dan bertanya atau mencari tahu sendiri. Penelitian ini sejalan dengan penelitian Thohari & Hakim (2021) serta Wardani (2019). Kedua, kepercayaan calon nasabah bisa mendorong mereka memutuskan menjadi nasabah bank syariah.…”

Section: Pembahasanunclassified

Keputusan Menjadi Nasabah Bank Syariah: Peran Literasi Keuangan Syariah, Kepercayaan, dan Citra Bank Syariah

Setiawan

2023

J. Appl. Islam. Econ. Financ.

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Islamic banks in Indonesia have existed in Indonesia for three decades. However, until now the development is not very significant. Even though Muslims are the majority population in Indonesia. The purpose of this study was to investigate how three factors - Islamic financial literacy, trust in Islamic banks, and the image of Islamic banks - impact the decision to become a customer of Islamic banks. The research employed a quantitative approach and explanatory research to collect primary data from 200 respondents with diverse backgrounds through questionnaires. The study found that a higher level of Islamic financial literacy can motivate individuals to choose Islamic banks as customers. This finding highlights the importance of enhancing public awareness and understanding of Islamic finance. Additionally, the trust and image of Islamic banks were identified as critical factors affecting customers' decisions. Therefore, it is vital for Islamic banks to maintain high levels of professionalism to sustain customer trust and present a positive image.

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“…The advantages of BIM's technological side in its implementation include ease of operation, (Gledson & Greenwood, 2017;Putri & Kresnanto, 2021;G. Wang & Song, 2017), visualization ability (Badi & Diamantidou, 2017;Foufou & Eds, 2016;Ghaffarianhoseini et al, 2017), and the acceleration of design process (Dakhil & Alshawi, 2014;Ku & Taiebat, 2011;Lee et al, 2012).…”

Section: Introductionmentioning

confidence: 99%

“…Individual interest plays a role in the successful implementation of BIM at work. Previous research on individual intentions to adopt and implement BIM is included in the Technology Acceptance Model (TAM) concept (Elshafey et al, 2020;Hong & J H Yu, 2018;Putri & Kresnanto, 2021). According to the study, two factors influenced a person's interest in using BIM: perceived usefulness and perceived ease of use.…”

Section: Introductionmentioning

confidence: 99%

BIM's Contribution as A Sustainable Construction Accelerator

Kresnanto

Ramadhan²,

Willdan³

et al. 2023

ARCEE

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Building Information Modeling (BIM) is a technological tool used in the sustainable construction process, beginning with the planning phase and continuing through the construction and post-construction phases. BIM has excellent capabilities and is being adopted by construction service providers in the process of implementing sustainable construction. However, many barriers remain in the adoption process, particularly with regard to the intention to use it. The purpose of this study was to determine the intention to implement BIM based on the variables of benefits and barriers. In order to parse the phenomena that occur in research, this study employed a quantitative method. Survey data in the form of a questionnaire were collected from the Special Region of Yogyakarta using a purposive sampling method for this study. Questionnaires were distributed via Google Form to respondents from the construction sector (Civil & Architectural Engineering) and BIM application users (students, workers). The findings of this study have provided an overview of the challenges and benefits of implementing BIM in sustainable construction. The barriers presented are financial, technological, and policy barriers, depending on the company's classification, while the benefits presented are environmental benefits and innovation.

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Pengaruh Literasi Finansial, Inklusi Keuangan, Teman Sebaya, dan Kontrol Diri terhadap Perilaku Menabung Mahasiswa

Cited by 14 publications

References 6 publications

The Influence of Financial Literacy and Financial Inclusion on Saving and Investment Behaviour for Millennial Generation in DKI Jakarta

The Influence of Financial Literacy and Financial Inclusion on Saving and Investment Behaviour for Millennial Generation in DKI Jakarta

Keputusan Menjadi Nasabah Bank Syariah: Peran Literasi Keuangan Syariah, Kepercayaan, dan Citra Bank Syariah

BIM's Contribution as A Sustainable Construction Accelerator

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