Article Per Year (5 Year)
p-Index From 2020 - 2025
0.61
P-Index
This Author published in this journals
All Journal Management Studies and Entrepreneurship Journal (MSEJ) Enrichment : Journal of Management Jurnal Ekonomi
Lao, Hans A.
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
The impact of financial socialization and financial literacy on saving habits among housewives in Kupang City Maria, Maria; Lao, Hans A.; Soares, Josefina B. M.
Enrichment : Journal of Management Vol. 14 No. 4 (2024): October: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v14i4.2036

Abstract

The habit of saving is an important aspect in managing family finances in the midst of growing economic dynamics, especially among housewives. The role of housewives as household financial managers has a significant impact on the overall financial stability of the family. However, in practice, many housewives face challenges in building and maintaining healthy saving habits. Financial socialization and financial literacy are key factors that affect housewives' saving habits. This study explores the relationship between financial socialization, financial literacy, and saving habits among housewives. Through a deep understanding of these factors, it is hoped that this research can provide valuable insights for policymakers, financial institutions, and other related parties in developing effective financial socialization programs and increasing financial literacy among housewives. The purpose of this study is to see the direct or indirect influence of financial socialization and financial literacy on saving habits through attitudes towards money. Attitude towards money itself is one of the factors that form the habit of saving. This study is expected to provide a comprehensive understanding of the factors that affect saving habits among housewives, so that it can provide a solid basis for the development of educational programs and interventions that are in accordance with the specific needs and characteristics of this segment in society
The Impact of Hedonism, Financial Socialization, and Self-Control on the Digital Consumptive Behavior of Housewives in Kupang City Maria, Maria; Lao, Hans A.; Feuk, Intan
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9231

Abstract

Digital transformation has changed household consumption patterns, especially among housewives who are now increasingly active in online shopping activities. This phenomenon cannot be separated from the ease of e-commerce access, aggressive promotions, and various digital financial features such as paylater and e-wallets. On the one hand, these advances provide convenience and efficiency, but on the other hand it also encourages the emergence of excessive consumptive behavior. This study aims to analyze the direct influence of hedonism, financial socialization, and self-control on digital consumptive behavior in housewives. The method used is a quantitative approach with survey techniques through online questionnaires. Housewives were selected purposively based on criteria of having experience in online shopping and the use of digital payment methods. The data analysis technique was carried out by multiple linear regression using SPSS software. The results of the study show that hedonism contributes positively to the high tendency of digital consumption, while financial socialization and self-control play a controlling factor that reduces the intensity of consumptive behavior. The implications of these findings not only enrich the study of consumer behavior in the digital age, but also serve as a basis for the development of family financial education strategies that are more contextual and gender-sensitive.
The link between attitudes towards money and saving habits. Case study of housewives in kupang city Maria, Maria; Lao, Hans A.
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to investigate the relationship between attitudes towards money and savings behavior among household financial managers in Kupang City. Attitudes towards money are defined through the dimensions of power-prestige, time retention, distrust, and anxiety. Referring to the fields of financial management and psychology, this research forms relevant hypotheses. Data were analyzed using multiple regression analysis with the assistance of SPSS 26 software. The results of the study indicate that savings behavior is significantly influenced by attitude factors towards money, including power-prestige, time retention, distrust, and anxiety. These findings provide deeper insights into how psychological factors can affect savings behavior within the context of household financial management. This study contributes to a more comprehensive understanding of the factors influencing savings behavior and their implications for household financial management.
Co-Authors Feuk, Intan Maria Maria Soares, Josefina B. M.