Faktor Yang Memprediksi Perilaku Menabung Pekerja Di Jakarta
Article Sidebar
Main Article Content
Abstract
The purpose of this study is to analyze the factors that can predict the saving behavioral of young worker in Jakarta. Samples obtained from questionnaires were 469 respondents. The data analysis technique used is PLS-SEM using SmartPLS 3 for Windows 10 V3.2.7 and Microsoft Excel 2016. The results of this study indicate empirically and partially between service quality and trust cannot predict significant repurchase intentions. But if through customer satisfaction service quality and trust can predict significant repurchase intention.
Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang dapat memprediksi Perilaku menabung pekerja muda di Jakarta. Sampel yang diperoleh dari kuesioner sebanyak 469 responden. Teknik analisis data yang digunakan adalah PLS-SEM menggunakan SmartPLS 3 for Windows 10 V3.2.7 dan Microsoft Excel 2016. Hasil dari penelitian ini menunjukkan secara empiris dan parsial antara financial literasi, minat menabung, norma subjektif dan sikap terhadap menabung dapat memprediksi perilaku menabung.
Article Details
This work is licensed under a Jurnal Muara Ilmu Ekonomi dan Bisnis Creative Commons Attribution-ShareAlike 4.0 International License.,/p>
References
Ajzen (2005) Perceived Behavioral Control Self-Efficacy,Locus Of control and the theory Of
planned Behavior. Journal Of Applied Social Psycoholgy .
Aromasari, T. (1991). Hubungan Antara Sikap terhadap Tabungan Berhadiah dengan Minat
Menabung Mahasiswa pada Bank di Beberapa Universitas di Yogyakarta. Yogyakarta:
Fakultas Psikologi Universitas Gajah Mada.
Azwar, S. (1995). Sikap Manusia Teori dan Pengukurannya. Yogyakarta: Pustaka Pelajar.
Bisnis.com. (2015, 12 17). OJK: Tingkat Literasi Keuangan Pelajar Baru 28%. (Retrieved
from www.finansial.bisnis.com/17-12-2015)
Browning, M., and Lusardi, A. (1995). Household Saving: Micro Theories and Micro Facts.
Journal of Economic Literature , 34 (4), 1797-1855.
Chin, W. W. (1998). The Partial Least Squares Approach to Structural Equation Modeling.
Modern Methods for Business Research , 295-336.
Delisi, and Breg. (2006). Exploring Theoretical Linkages Between Self-Control Theory and
Criminal Justice System Processing. Journal of Criminal Justice , 34, 153-163.
Domar, E. D. (1946). Capital Expansion, rate growth and employment. Econometrica , 137-
E.Kisaka, S. (2014). The Impact Of attitudes towards saving,Borrowing and INvestment on
The Capital Accumlation Process in Kenya.
Engel, J. F., Blackwell, R. D., and Miniard, P. W. (1995). Consumer Behavior. 8th Edition.
Orlando: The Dryden Press.
Felix, D. (1995). Biography of an Idea: John Maynard Keynes and the General Theory of
Employment, Interest and Money. New Brunswick: Transaction.
Gadinasyin, V. P. (2014). Faktor-faktor Yang Mempengaruhi Perilaku Menabung (Studi Pada
Kalangan Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Pendidikan
Indonesia). Bandung: Fakultas Ekonomi dan Bisnis, Universitas Pendidikan Indonesia.
Garcia, M. M., Barros, C., and Silvestre, A. (2011). Saving behaviour: evidence from Portugal.
International Review of Applied Economics , 25 (2), 225-238.
Gerhard, P., Gladstone, J. J., and Hoffmann, A. O. (2018). sychological characteristics and
household savings behavior: The importance of accounting for latent heterogeneity.
Journal of Economic Behavior and Organization , 148, 66-82.
Ghozali, I. (2014). Partial Least Squares: Konsep, Teknik dan Aplikasi Menggunakan
SmartPLS 3.0 Untuk Penelitian Empiris. Semarang, Indonesia: Badan Penerbit
Universitas Diponegoro Semarang.
Hair, J. F., Ringle, C. M., and Sarstedt, M. (2011). PLS-SEM: Indeed a Silver Bullet. Journal
of Marketing Theory and Practice , 19 (2), 139-152.
Harrod & Domar. (1939). An Essay in Dynamic theory. the Ecnomic Journal 49 (193) , 14-33.
Hatmawan, A. A. (2016). Faktor-faktor yang mempengaruhi niat pada perilaku Nasabah
menabung di perbankan syairah dengan agama sebagai vairabel kontrol.
Hatmawan, A. A., dan Widiasmara, A. (2016). Faktor-Faktor yang Mempengaruhi Niat pada
Perilaku Nasabah Menabung di Perbankan Syariah dengan Agama sebagai Variabel
Kontrol. Jurnal Akuntansi dan Pendidikan , 5 (2), 101-112.
Henseler, J., Ringle, C. M., and Sinkovics, R. R. (2009). The Use of Partial Least Squares Path
Modeling in International Marketing. Advances in International Marketing , 20, 277-
Hetherington, E., and Parke, R. (1996). Child Psychology; A Contemporary Viewpoint. (K.
McCartney, & D. Phillips, Eds.) New York: MC Graw Hill. In Blackwell Handbook of
Early childhood Development.
Kisaka, S. E. (2014). The Impact of Attitudes towards Saving, Borrowing and Investment on
the Capital Accumulation Process in Kenya: An Application of the Theory of Planned
Behavior. Research Journal of Finance and Accounting , 5 (9).
Klein, L., and Mandell, L. (2009). The impact of financial literacy education on subsquent
financial behavior. Journal Of Financial Counseling and Planning .
Loudon, D. L., and Della Bitta, A. J. (1993). Consumer Behavior: Concepts and Application.
Singapore: Mc.Grow-Hill, Inc.
M.C, S., and D.A, W. (2015). Using Theory Of planned Behavior in predicting intention to
invest. Research Journal Of business and technology , 137-141.
Magendans, J. (2014). The cost Of Self-protective measures: psycholgical predictors of saving
money for a financial buffer.
Mahdzan, N., and Tabiani, S. (2013). the impact of financial literqacy on individial saving.
transformation In Business & Economics , 15-24.
Malhotra, N. K. (2010). Essentials of Marketing Research. England: Educated Limited.
Merdeka.com. (2016, 9 1). Jokowi Sebut minat menabung masyarakat Indonesia sangat
rendah. Retrieved from Merdeka.com: https://www.merdeka.com/uang/jokowi-sebutminat-menabung-masyarakat-indonesia-sangat-rendah.html
Nidar, S.R., and Bestari. (2012). Personal financial Literacy among university students. world
Journal of Social Science , 162-171.
Rendra, R. (2012). Dinamika Pengambilan Keputusan Menabung pada Pedagang kecil di Pasar
Gede Surakarta. Thesis Program S2 .
Robbins, S. P., dan Judge, T. A. (2008). Perilaku Organisasi Edisi ke-12. Jakarta: Salemba
Empat.
Rodermund, R. H. (2012, April 3). Examining the Savings Habits of Individuals with PresentFatalistic Time Perspectives using the Theory of Planned Behavior. (retrieved from:
www.academyfinancial.com/34/2018).
S, S. (2012). The effect of financial literacy and emotions on intent to control personal budget.
International Journal Of economics and finance , 156-163.
Sekaran, U., and Bougie, R. (2013). Research Methods for Business (6th ed.). West Sussex,
United Kingdom: John Wiley & Sons Ltd.
Shafi, M. (2014). Determinants Influencing Individual investor behavior in stock market.
Arabian Journal of business and Management Review , 60-71.
Shobib, M. (2015). Sikap terhadap uang dan perilaku Berhutang. Jurnal Psikologi Ilmiah
terapan .
Silvi, M., dan Yulianti, N. (2013). Sikap Pengelola Keuangan Dan Perilaku Perencanaan
Investasi keluarga di Surabaya. Journal Of Business And Banking .
Sirine, H., dan Utami, D. S. (2016). FAKTOR-FAKTOR YANG MEMPENGARUHI
PERILAKU MENABUNG DI KALANGAN MAHASISWA.
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung:
ALFABETA.
Supanantaroek, s., Lensink, R., and Hansen, N. (2015). The Impact of Social and Financial
Education on Savings Attitudes and Behavior Among Primary School Children in
Uganda.
Walgito, B. (1994). Psikologi Sosial: Suatu Pengantar. Yogyakarta: Andi Offset.
Wa?rneryd, K.-E. (1999). The psychology of saving: A study on economic psychology.
Cheltenham, UK: Edward Elgar.
Widayati, I. (2012). FAKTOR-FAKTOR YANG MEMPENGARUHI LITERASI
FINANSIAL MAHASISWA FAKULTAS EKNOMI DAN BISNIS UNIVERSITAS
BRAWIJAYA.
Widyastuti, U., Suhud, U., and Sumiati, A. (2016). Mediterranean Journal of Social Sciences
, 7 (6).
Widyastuti, U., Suhud, U., and Sumiati, A. (2016). The Impact Of Financial Literacy on
Student teachers' Saving intention and saving behavior .
Yasid, M. (2009). Perilaku Menabung Ibu Rumah Tangga Keluarga Miskin Peserta Program
Ikhtiar Lembaga Keuangan Mikro Syariah Berbasis Kelompok Di Bogor, Jawa Barat.
Tazkia Islamic Finance & Business Review , 4.
Zait, A., and Bertea, P. (2015). Financial Literacy- Conseptual definition and proposed
approach For a measurement instrument. the Journal Of accounting and management ,
-42