Pengaruh Pengalaman Keuangan, Pengendalian Diri, dan Literasi Keuangan Terhadap Kecenderungan Berhutang dengan Moderasi Pendapatan
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
Isna, Lani Nur
Subject
332 - FINANCIAL ECONOMICS
Datestamp
2024-05-14 01:35:04
Abstract :
Increasing needs and expenses that are not in line with income can increase people's tendency to take on debt to meet these needs. This research aims to examine the influence of financial experience, self-control, and financial literacy on the tendency to get into debt with moderation of income. Sample selection was carried out using purposive sampling and questionnaires were distributed online. Respondents of this research are residents living in the cities of Surabaya and DKI Jakarta who already have a monthly fixed family income. There were 137 respondents who were the sample for this research. Data were analyzed using Structural Equation Modeling-Partial Least Square. The results show that self-control and financial literacy have a significant negative effect on the propensity to indebtedness. Financial experience, income, and moderation of income do not have a significant effect on the propensity to indebtedness. The practical implication of this research is that it is important for people to increase financial literacy and self-control when shopping in order to reduce the tendency to get into debt which has a negative impact on their welfare. Theoretically, this research supports the theory of planned behavior that behavioral control is an important determinant of intention to behave.
Increasing needs and expenses that are not in line with income can increase people's tendency to take on debt to meet these needs. This research aims to examine the influence of financial experience, self-control, and financial literacy on the tendency to get into debt with moderation of income. Sample selection was carried out using purposive sampling and questionnaires were distributed online. Respondents of this research are residents living in the cities of Surabaya and DKI Jakarta who already have a monthly fixed family income. There were 137 respondents who were the sample for this research. Data were analyzed using Structural Equation Modeling-Partial Least Square. The results show that self-control and financial literacy have a significant negative effect on the propensity to indebtedness. Financial experience, income, and moderation of income do not have a significant effect on the propensity to indebtedness. The practical implication of this research is that it is important for people to increase financial literacy and self-control when shopping in order to reduce the tendency to get into debt which has a negative impact on their welfare. Theoretically, this research supports the theory of planned behavior that behavioral control is an important determinant of intention to behave.
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