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All Journal IKRA-ITH ABDIMAS Jurnal Ilmiah Edunomika (JIE) Jurnal Industri Kreatif dan Kewirausahaan Management and Accounting Expose Jurnal Ekonomi dan Bisnis Jurnal Kajian Pendidikan IPA JURNAL ECONOMINA Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Journal Economics Technology and Entrepreneur JIAR : Journal Of International Accounting Research JIM : Journal Of International Management Jurnal Pengabdian Bukit Pengharapan
Wulandari, Endang
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Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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Journal : Jurnal Ilmiah Edunomika (JIE)

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THE INFLUENCE OF INCOME AND INTEREST ON KPR DECISIONS WITH FINANCIAL LITERACY AS A MODERATING VARIABLE Nuraini, Nuraini; Pudjowati, Juliani; Purnamasari, Eva; Wulandari, Endang; Sasono, Heri
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11493

Abstract

Abstract Housing is a primary need that every individual dreams of having. Individuals who cannot afford to buy a house in cash choose the mortgage route so they can occupy it and ultimately own it when the installments are finished. There are a number of factors that can influence consumers to decide on a mortgage, including individual income and home mortgage interest rates. Therefore, this research aims to analyze the influence of the Income and Interest Rate variables on the KPR Decision variable. Different from previous studies, this research adds the Financial Literacy variable which researchers believe can strengthen the influence of the Income and Interest Rate variables on the KPR Decision variable. This research is quantitative research with an explantory approach that develops research (Sukmawati, 2020). The data used in this research is primary data distributed to 250 BSI bank customers who have been offered KPR throughout Indonesia. The research results show that the Income and Interest Rate variables have a positive relationship and have a significant influence on KPR decisions. Apart from that, the Financial Literacy variable can moderate the influence of the Income and Interest Rate variables on the KPR Decision variable. Keywords: Income, Interest, Financial Literacy, KPR Decision
Co-Authors Adjie Pratama, Muhammad Annisa Retno Utami Djamhur, Ina G. Farida Farida Jamain, Tries Handriman Juliani Pudjowati La Ode Abdul Wahab, La Ode Abdul Laila Febrina Lukito, Jefri Meliana, Sari Napitupulu, Theresia Nikmah, Ani Nuraelah, Almira Nuraini Nuraini Prasetyo, Margo Saptowinarko Prinajati, Purnomosutji Dyah Purnamasari, Eva Rahmawati, Rahmawati Rahmi Rahmi Rizkiyah, Fitri Sansena, Mona Anju Santoso , Ferry Santoso, Ferry Saprianto, Reko Sasono, Heri Septiani, Mira Shidqi, Arrafi SOEDIONO, WIBISONO Titik Purwanti Toatubun, Helmi Triandewo, Maris Agung