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"Penelitian ini bertujuan untuk menganalisis pengaruh financial self efficacy terhadap preferensi penggunaan produk perbankan. Penelitian ini merupakan penelitian eksplanatif dengan metode analisis binary logit model. Populasi pada penelitian ini adalah penduduk DKI Jakarta berusia 17 sampai 60 tahun. Sampel yang diambil sebanyak 200 responden yang tersebar di 5 kota administrasi di provinsi DKI Jakarta. Teknik penarikan sampel yang dilakukan dalam penelitian ini adalah secara quota sampling. Hasil dari penelitian ini menunjukan bahwa variabel independen financial self efficacy beserta ketiga indikatornya berpengaruh secara signifikan terhadap preferensi penggunaan produk perbankan. Sedangkan secara parsial, financial self efficacy scale berpengaruh terhadap preferensi penggunaan saving product dan liabilities product, willingness to take financial risk hanya berpengaruh terhadap preferensi penggunaan saving product, dan financial literacy factors berpengaruh terhadap preferensi penggunaan saving product dan liabilities product.

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This study aims to analyze the influence of financial self efficacy toward the preferences of using banking product. This research is an explanative research with binary logit model analysis method. The population in this study is citizens of DKI Jakarta aged 17 to 60 years. The sample is 200 respondents spread over 5 administrative areas in Jakarta. Sampling technique conducted in this research is quota sampling.

The results of this study indicate that the independent variable financial self efficacy and its three indicators significantly influence the preferences of using banking products. While partially, the financial self efficacy scale has an effect on the preference of using saving product and liabilities product, willingness to take financial risk only influence saving product preferences, and financial literacy factors influence the preference of saving product and liabilities product."

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Penelitian ini bertujuan untuk meneliti pengaruh antara financial literacy dan risky credit behavior dengan mediasi financial self-efficacy dan moderasi financial stress. Pengambilan data dilakukan dengan metode purposive sampling menggunakan survei online kepada mahasiswa yang pernah menggunakan metode pembayaran paylater. Sebanyak 120 responden terkumpul yang kemudian diolah dan dianalisis menggunakan metode regresi dengan menggunakan SPSS 26. Hasil penelitian menunjukkan bahwa financial literacy signifikan berpengaruh negatif terhadap risky credit behavior mahasiswa. Selanjutnya, subjective financial literacy memiliki efek negatif yang lebih besar daripada objective financial literacy terhadap risky credit behavior. Penelitian ini juga menemukan bahwa efek moderasi dari financial stress berhasil mempengaruhi hubungan antara subjective financial literacy dan risky credit behavior namun peranan efek moderasi terhadap objective financial literacy belum terlihat signifikansinya. Selanjutnya, financial self-efficacy signifikan memediasi secara parsial hubungan antara subjective financial literacy dan risky credit behavior namun tidak memediasi hubungan pada objective financial literacy.

 

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This study aims to analyze the effect of financial literacy on risky credit behavior with financial self-efficacy as an mediating variables and financial stress as an moderating variables. Data collection was carried out by purposive sampling method using online surveys to students who had used the paylater payment method. A total of 120 respondents were collected which were then processed and analyzed using the regression method using SPSS 26. The results showed that financial literacy had a significant negative effect on the risky credit behavior of students. Furthermore, subjective financial literacy has a greater negative effect than objective financial literacy on risky credit behavior. This study also finds that the moderating effect of financial stress has succeeded in influencing the relationship between subjective financial literacy and risky credit behavior, but the role of the moderating effect on objective financial literacy has not been shown to be significant. Furthermore, financial self-efficacy partially partially mediates the relationship between subjective financial literacy and risky credit behavior but does not mediate the relationship on objective financial literacy.

 

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"Penelitian ini bertujuan untuk mengetahui pengaruh dari Financial Socialization dan Financial Literacy terhadap Financial Well-Being dengan peran Financial Behavior sebagai yang mediasi. Penelitian menggunakan sampel karyawan swasta tingkat staf dan staf senior berdomisili di Jakarta, Bogor, Depok, Tangerang, dan Bekasi (Jabodetabek) berusia 21-35 tahun. Jumlah responden terkumpul pada penelitian ini sebanyak 251 responden. Penelitian diolah menggunakan metode Structural Equation Modeling dan software PLS-SEM. Hasil penelitian menunjukkan bahwa Financial Skills, Financial Self-Efficacy, dan Financial Behavior memiliki pengaruh positif terhadap Financial Well-Being. Financial Socialization, Financial Knowledge, Financial Skills memiliki pengaruh tidak langsung secara positif terhadap Financial Well-Being melalui Financial Behavior sebagai mediasi. Saran dan implikasi manajerial akan dijelaskan selanjutnya.

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This study aims to determine the effect of Financial Socialization and Financial Literacy on Financial Well-Being with the role of Financial Behavior as a mediation. The study used a sample of staff-level private employees and senior staff living in Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek) aged 21-35 years. The number of respondents collected in this study were 251 respondents. The research was processed using the Structural Equation Modeling method and PLS-SEM software. The results of the study show that Financial Skills, Financial Self-Efficacy, and Financial Behavior have a positive impact on Financial Well-Being. Financial Socialization, Financial Knowledge, Financial Skills have a positive indirect impact on Financial Well-Being through Financial Behavior as mediator. Managerial suggestions and implications will be explained next."

"Penelitian ini bertujuan mengetahui pengaruh Islamic financial literacy dan personality traits melalui pendekatan theory of planned behaviour yang dimodifikasi terhadap intensi berinvestasi di pasar saham oleh masyarakat Muslim Indonesia. Data penelitian ini diolah menggunakan metode PLS-SEM melalui SmartPLS 3.3.3. Penelitian ini menemukan bahwa attitude, subjective norms, dan personality traits memiliki pengaruh langsung yang signifikan positif terhadap intention to invest, financial self-efficacy dan Islamic financial literacy tidak memiliki pengaruh langsung yang signifikan pada intention to invest, Islamic financial literacy secara langsung dapat mempengaruhi personality traits secara signfikan positif, Islamic financial literacy memiliki pengaruh signifikan positif terhadap intention to invest pada saat dimediasi oleh attitude dan personality traits, serta financial selfefficacy tidak mampu memberikan efek mediasi dan moderasi dalam hubungan personality traits terhadap intention to invest.

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This study aims to determine the effect of Islamic financial literacy and personality traits through a modified theory of planned behavior approach to the intention to invest in the stock market by Indonesian Muslims. The data of this study were processed using the PLS-SEM method through SmartPLS 3.3.3. This study found that attitude, subjective norms, and personality traits have a significant positive direct effect on intention to invest, financial self-efficacy and Islamic financial literacy do not have a significant direct effect on intention to invest, Islamic financial literacy can significantly positive affects personality traits, Islamic financial literacy has a significant positive effect on intention to invest when mediated by attitude and personality traits, and financial self-efficacy is not able to provide mediating and moderating effects in the relationship between personality traits and intentions to invest."

"Penelitian ini didasari oleh fenomena meningkatnya pendapatan masyarakat Indonesia pada beberapa tahun terkakhir, namun intensi menabung masyarakat justru cenderung menurun. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan financial self-efficacy terhadap intensi menabung pada karyawan dewasa muda. Pengukuran literasi keuangan dilakukan dengan menggunakan alat ukur Tes Pengetahuan Keuangan (Sjabadhyni dkk, 2016), pengukuran financial self-efficacy dilakukan menggunakan Financial Self-Efficacy Scale (Lown, 2011), dan pengukuran intensi menabung dikembangkan dari Ladhari dan Michaud (2015). Partisipan berjumlah 434 karyawan dewasa muda yang diperoleh melalui teknik accidental sampling. Hasil penelitian menujukkan bahwa terdapat pengaruh signifikan dari literasi keuangan dan financial self-efficacy secara bersama-sama terhadap intensi menabung (F=8.964, p < 0.01). Berdasarkan hasil penelitian, peneliti menyarankan karyawan dewasa muda untuk mampu meningkatkan literasi keuangan dan financial self-efficacy agar dapat membuat keputusan keuangan dengan lebih baik, misalnya keputusan untuk menabung di bank.

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This study was based on the phenomenon towards the rising income that Indonesian citizens have recieved in recent years, but the intention of saving is likely to decline. This study was conducted to find out the influence of financial literacy and financial self-efficacy on saving intention among young adult employees. Financial literacy was measured using Tes Pengetahuan Keuangan (Sjabadhyni dkk, 2016), financial self-efficacy was measured using Financial Self-Efficacy Scale (Lown, 2011), and saving intention scale was developed from Ladhari and Michaud (2015). The participants of this study were 434 young adult employees, which were obtained through accidental sampling technique.

The main result shows that there are significant influence of financial literacy and financial self-efficacy on saving intention (F=8.964, p < 0.01). Based on this result, it is suggested for young adult employees to improve their financial literacy and financial self-efficacy in order to make financial decision better, like the decision to saving in the bank."

"Perilaku keuangan mengharuskan milenial memiliki pengetahuan keuangan agar bisa mengevaluasi kemampuan yang dimiliki untuk kemudian diterapkan dalam kehidupan masing-masing. Tujuan penelitian ini adalah untuk menganalisis pengaruh financial attitude, financial self efficacy, dan financial planning activity terhadap financial management behavior pada generasi milenial muslim. Sampel dalam penelitian yaitu generasi milenial yang saat ini berusia 26-41 tahun dan diperoleh sebanyak 202 responden melalui kuesioner yang disebarkan diberbagai media sosial secara online. Pengolahan data primer menggunakan metode Covariance-based Structural Equation Modelling (CB-SEM) dengan software SPSS LISREL 8.8. Hasil penelitian menunjukkan bahwa financial attitude, financial self efficacy, dan financial planning activity berpengaruh positif terhadap financial management behavior. Kemudian religiosity tidak memberikan pengaruh moderasi yang signifikan pada hubungan antara financial attitude dengan financial management behavior maupun hubungan antara financial planning activity dengan financial management behavior. Namun, religiosity didapati memberikan pengaruh moderasi yang signifikan negatif pada hubungan antara financial self efficacy dengan financial management behavior.

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Financial behavior requires millennials to have financial knowledge to better evaluate their abilities in order to be applied in their lives. The purpose of this study is to analyze the effect of financial attitude, financial self-efficacy, and financial planning activity on financial management behavior in the muslim millennial generation. This study uses millennial generation who are currently 26-41 years old as a sample and had obtained as many as 202 respondents through questionnaires shared on various online social media. Primary data processing is done using the Covariance-based Structural Equation Modeling (CB-SEM) method with SPSS LISREL 8.8 software. The results showed that financial attitude, financial self efficacy, and financial planning activity had a positive effect on financial management behavior. Then religiosity does not have a significant moderation effect on relationship between financial attitude and financial management behavior nor the relationship between financial planning activity and financial management behavior. However, religiosity have a significant negative moderating effect on the relationship between financial self-efficacy and financial management behavior."

"Penelitian ini dilakukan untuk mengetahui bagaimana peran moderasi fitur gamifikasi aplikasi keuangan pada hubungan financial planning activity, financial attitude dan financial self-efficacy terhadap financial management behavior seseorang. Penelitian ini menggunakan sampel pengguna aplikasi keuangan yang termasuk ke dalam bagian generasi Z, yaitu penduduk yang lahir antara kurun waktu 1997-2012 serta berdomisili di wilayah Jabodetabek. Penelitian ini merupakan penelitian kuantitatif dengan survei cross-sectional. Metode Covariance Based-Structural Equation Model (CB-SEM) digunakan untuk mengolah data primer dengan bantuan software LISREL 8.8. Hasil penelitian menunjukkan bahwa financial planning activity (FPA), financial attitude (FA) dan financial self-efficacy (FSE) pengaruh positif terhadap financial management behavior (FMB) individu. Selain itu, fitur gamifikasi pada aplikasi keuangan secara positif signifikan memoderasi pengaruh financial planning activity terhadap financial management behavior individu, namun secara negatif signifikan memoderasi pengaruh financial self efficacy terhadap financial management behavior individu. Terakhir, fitur gamifikasi tidak memiliki peran moderasi yang signifikan terhadap hubungan financial attitude dan financial management behavior individu.

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This research was conducted to find out the moderating role of financial application gamification features in the relationship between financial planning activities, financial attitudes and financial self-efficacy towards a person's financial management behavior. This study uses financial application users as a sample who are part of the Z generation (born between 1997-2012) and domiciled in the Jabodetabek region. This research is a quantitative study with a cross sectional survey. The Covariance Based-Structural Equation Model (CB-SEM) method was used to process primary data with the help of LISREL 8.8 software. The results showed that financial planning activity (FPA), financial attitude (FA) and financial self-efficacy (FSE) had a positive effect on individual financial management behavior (FMB). In addition, the gamification feature in financial applications significantly moderates the effect of financial planning activities on individual financial management behavior, but negatively moderates the influence of financial self-efficacy on individual financial management behavior. Finally, the gamification feature does not have a significant moderating role on the relationship between financial attitude and individual financial management behavior."