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All Journal IJBE (Integrated Journal of Business and Economics) Menara Ilmu Jurnal Ekonomi dan Bisnis Dharma Andalas Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi SELODANG MAYANG AMAR (Andalas Management Review) Jurnal Hasi Penelitian Dan Pengkajian Ilmiah Eksakta - JPPIE Jurnal Ekonomika Dan Bisnis e-Jurnal Apresiasi Ekonomi Jurnal Penelitian dan Pengabdian Masyarakat Journal of Business Economics and Management
Sulistianingsih, Henny
Fakultas Ekonomi Dan Bisnis Universitas Dharma Andalas
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Future Perspectives: The Key To Successful Retirement Planning: A Study Of Financial Behavior Sulistianingsih, Henny; Maivalinda; Rosali, Rita Srihasnita; Floris, Muhammad Irfan; Adinda, Resa; Pebridani, Tari
AMAR (Andalas Management Review) Vol. 9 No. 2 (2025)
Publisher : Management Institute Faculty of Economics Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/amar.9.2.130-144.2025

Abstract

The purpose of this study is to analyse the financial behavior (financial literacy, risk preferences, and locus of control) and future perspectives of Generation Z in retirement planning in West Sumatra. This research is explanatory. The population in this study is the community in West Sumatra. The sampling technique used was random sampling. A total of 418 respondents were collected. The data used consisted of secondary and primary data obtained directly from the field through questionnaires distributed to respondents. The data processing technique used the PLS-based SEM method. The results of this study only rejected one hypothesis, namely H1, which indicates that a person's level of financial literacy does not directly influence retirement saving behavior. Hypotheses H2, H3, and H4, which stated that locus of control, perceived financial risk, and future time perspective had a significant positive effect on retirement saving behavior, were accepted. Hypotheses H5a, H5b, and H5c were accepted. These three hypotheses indicate that locus of control, perceived financial risk, and future time perspective contribute significantly to future time perspective. The mediating effect of the FTP variable was discussed with three hypotheses: H6a, H6b, and H6c. These hypotheses were accepted because FTP acted as a significant mediator. This study empirically proves that FTP strengthens the direct relationship, not just mediation, between risk perception and retirement behavior. These results contribute significantly to demonstrating that FTP is not only a psychological construct but also a predictor of actual financial behavior, even in age groups and education levels that are not yet considered financially mature.
DAMPAK ORIENTASI KEWIRAUSAHAAN, ADOPSI DIGITALISASI DAN PRAKTIK RAMAH LINGKUNGAN TERHADAP AKSES KEUANGAN IKM DI KOTA PADANG Maivalinda, Maivalinda; Haryati, Rice; Sulistianingsih, Henny; Srihasnita, Rita
Selodang Mayang: Jurnal Ilmiah Badan Perencanaan Pembangunan Daerah Kabupaten Indragiri Hilir Vol. 11 No. 3 (2025): Jurnal Selodang Mayang
Publisher : Badan Perencanaan Pembangunan Daerah Kabupaten Indragiri Hilir Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47521/selodangmayang.v11i3.502

Abstract

This study aims to examine the impact of Entrepreneurial Orientation, Digitalization Adoption, and Environmentally Friendly Practices on Financial Access. The sample size was selected using the convenience sampling method. With a quantitative approach, the analysis method used SPSS 30. The main data collection technique was a structured questionnaire. The questionnaire was designed to measure the research variables using a 4-point Likert scale. The collected data were analyzed using inferential statistical methods, with multiple regression analysis as the main technique to test the impact of each independent variable (entrepreneurial orientation, digitalization adoption, and environmentally friendly practices) on the dependent variable (financial access/ AK). The results of this study concluded that entrepreneurial orientation (OK) did not have a significant impact on financial access (AK) (0.935). Digitalization Adoption (AD) had a positive and significant impact on Financial Access (AK (0.00). Environmentally Friendly Practices (PRL) had a positive and significant impact on Financial Access (AK) (0.017). While the overall regression model was statistically significant and confirmed that the three variables, when considered together, provided a significant contribution to explaining MSME financial access Penelitian ini bertujuan untuk melihat dampak Orientasi Kewirausahaan, Adopsi Digitalisasi dan Praktik Ramah Lingkungan terhadap Akses Keuangan. Jumlah sampel dipilih dengan menggunakan metode convenience sampling. Dengan pendekatan kuantitatif, metode analisis menggunakan analisis SPSS 30. Teknik pengumpulan data utama adalah kuesioner terstruktur. Kuesioner dirancang untuk mengukur variabel-variabel penelitian menggunakan skala Likert 4 poin. Data yang terkumpul dianalisis menggunakan metode statistik inferensial, dengan analisis regresi berganda sebagai teknik utama menguji dampak masing-masing variabel independen (orientasi kewirausahaan, adopsi digitalisasi, dan praktik ramah lingkungan) terhadap variabel dependen (akses keuangan). Hasil penelitian ini menyimpulkan bahwa orientasi kewirausahaan (OK) tidak memiliki dampak yang signifikan terhadap akses keuangan (AK) (0,935). Adopsi Digitalisasi (AD) berpengaruh positif dan signifikan terhadap Akses Keuangan (AK (0.00). Praktik Ramah Lingkungan(PRL) berpengaruh positif dan signifikan terhadap Akses Keuangan (AK) (0.017). Sementara model regresi secara keseluruhan signifikan secara statistik dan menegaskan bahwa ketiga variable apabila dipertimbangkan bersama memberikan kontribusi yang berarti untuk menjelaskan akses keuangan IKM.
Co-Authors Abdilla, M. Adinda, Resa Eriend , Dion Fauziah, Nayla Floris, Muhammad Irfan Indah Janurman Maivalinda Maivalinda - Maivalinda Maivalinda Maivalinda, Maivalinda Mariyanti, Eka Nadya Variza Niken Likista Nurul Hanafi, Adinda Pebridani, Tari Putri Nabila Adzani Raflis, Ratnawati RC, Rita Srihasnita Rice Haryati Riski, Tri Rachmat Rismanda, Rachyta Rosali, Rita Srihasnita Sari, Vina Delta Srihasnita, Rita Yohana Aperlina Yolanda Abdillah Putri Zetri, Rifaldo