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Khusaini, Khusaini
Universitas Islam Syekh-Yusuf
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Journal : Al-Kharaj: Jurnal Ekonomi, Keuangan

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Pengetahuan Keuangan dan Kepribadian Berkontribusi dalam Membentuk Perilaku Keuangan Berkelanjutan Mita Anzaningtyas; Khusaini Khusaini; Sri Lestari
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i3.5773

Abstract

This study aims to investigate the impact of financial knowledge and personality on people's sustainable financial behavior. Researchers utilized a cross-sectional survey approach. The target population of the study was people aged 18-59 years in Kutabumi Village, Pasar Kemis Subdistrict, Tangerang Regency, amounting to 10,852 people. The researcher determined a sample size of 386 participants (Slovin formula, sampling error 5%) using proportionate stratified random sampling technique. Each participant was given a questionnaire that had been validated by validity and reliability tests. The questionnaire was distributed through WhatsApp groups. The binary logit estimation results showed that financial knowledge had a positive and significant impact on sustainable financial behavior, as well as personality. In other words, the more people's knowledge increased and the better their personality, the probability of improving sustainable financial behavior increased. Thus, financial decisions taken by the community consider future circumstances. The empirical implication of this research is the importance of emphasizing basic financial knowledge in long-term financial knowledge planning education and improving personality for better financial behavior.
Co-Authors A.A. Ketut Agung Cahyawan W Afifah Azzahrah Agoestina Mappadang Agus Suherman Agus Suherman Agustin, Nita Aulia Ahmad Khusaeni Aisyah Ratnasari Ali Sandy Mulya Alim, Puji Alviani, Fani ambuy sabur Andi Yustira L. Wahab Andi Yustira Lestari Wahab Andini, Andini Andriani, Aries Dewi Aniek Widiarti Aniek Widiarti Aniek Widiarti Anita Anita Atrisia, Marchela Indah Bambang Mardi Sentosa Bastian, Asep Ferry Christine, Linda Chusnana Insyaf Yogiyanti Debi Wulandari Debi Wulandari Esa Puspa Kartika Wardani Estu Niana Syamiya Estu Niana Syamiya Fitri Amalia Gumelar Widia Asmoro Hebi Ardi Safira hudaya hactuconsina Hudaya Latuconsina Imas Sukaesih Ismail, Muhammad Faiz Iqbal Jarnawi Afgani Dahlan Kamarudin, Nurzatulshima Kanzu, Ahmad kartika sari Khairul Adib Yusof Kurniawan, Bakhrul Rizky Lestari, Lina Widya Marchela Indah Atrisia Mawaddah, Siti Nurul Md Hairi, Muhammad Fauzi Mita Anzaningtyas muhammad roffi tamammul Huda Munisah - Munisah Munisah, Munisah - Mustofa Kamil, Mustofa Muvera, Muvera Nudin, Burhan Nur Azizah Pradesti, Ajeng Pratama, Rommy Purbo Suwasono Putra, Muhammad Hartana Iswandi Putri, Ida Ayu PUTRO, TETUKO RAWIDYO Rahayu, Putri Ramdani, Heni Cahya Ria Kurniawati Ria Kurniawati Ridho, Muhamad Aqil Riski Ambarumanti Ruhiyat Taufik Sabur, Ambuy Saleh, M Nurul Ikhsan Samsul Arifin Samuri, Muhammad Nazreen Sentot Kusairi Siti Nurul Mawaddah Siti Nurwulan Sri Jaya Lesmana SRI LESTARI Sri Lestari Sri Lestari Sunaryono Sunaryono, Sunaryono Sundusiah, Siti Syafawi, Lely Syifa Fadhilah Hamid Tetuko Rawidyo Putro Veti Melia Sari Widiarti, Aniek Windi Widiawati Wirda Latifah Yap Wing Fen Yuli Setyaningsih, Yuli