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Pengaruh Saving Behavior dan Literacy Finance Terhadap Retirement Preparedness pada Karyawan Swasta di PT. FCC Indonesia Yusuf Zulkarnaen; Rengga Madya Pranata; Ujang Suherman
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 5 (2024): 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.v6i5.2535

Abstract

The aim of this research is to find out how saving habits and financial literacy at PT. FCC Indonesia private workers influence their preparation for retirement. This research methodology combines purposive sampling and survey methodology with a quantitative descriptive approach. Because retirement readiness must be prepared from an early age, the object of research is PT FCC Indonesia, with a sample size of 100 respondents aged 20 to 40 years. The findings of this study indicate that saving and financial literacy significantly improve a person's preparation for retirement. Although financial literacy is necessary to increase awareness of money and can help people make the right financial decisions, including the decision to invest in retirement, saving behavior is very important to grow savings that can be used to meet living expenses in retirement. The fact that this research is limited to PT. FCC Indonesia and its small sample size is one of its weaknesses. In order for the research findings to be applied more widely, larger sample sizes and more geographic locations should be used in future research. Based on research findings, private employees at PT. FCC Indonesia's preparation for retirement is greatly influenced by their savings and financial literacy. This is consistent with other research which finds a positive correlation between saving behavior, financial literacy, and retirement preparation. Knowledge about the variables that influence private employees' retirement preparations is further advanced through this research. This study implies that to ensure private sector employees' financial readiness for retirement, it is important to increase their level of financial literacy and saving behavior.
Pengaruh Literasi Keuangan dan Self Efficacy Terhadap Perilaku Keuangan yang Dimoderasi Gender pada Owner UMKM di Desa Gintung Kerta Abdulloh; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 9 (2024): 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.v6i9.2627

Abstract

The focus objective this study is to find out The manner in which financial literacy and independence influence the financial behavior of small and medium enterprise (MSME) owners. in Gintung Kerta village which is gender moderated. This research is quantitative. This research involved the owners of 138 MSMEs in Gintung Kerta village, with a sample of 103 of them. Data was collected using a purposive sampling method. Questionnaire via gform and multiple regression analysis were used. The results of the study show that financial literacy significantly influences the financial actions of MSME owners in Gintung Kerta village, while self-efficacy also influences the financial behavior of MSME owners in Gintung Kerta village. Financial literacy and self-efficacy have a significant simultaneous influence on the financial behavior of MSME owners in Gintung Kerta village. Gender is unable to influence The impact of financial conduct on financial literacy among MSME owners in Gintung Kerta village. Gender is unable to influence self-efficacy on financial behavior among MSME owners in Gintung Kerta village
Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Pengelolaan Keuangan yang Dimoderasi Gender pada Mahasiswa Manajemen UBP Karawang Renaldi, Aldi; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 10 (2024): 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.v6i10.2712

Abstract

This research was conducted to see the influence of financial literacy and financial attitudes on the financial management of UBP Karawang management students moderated by gender. This type of research is quantitative research where there is theory testing. The population in this study were 2020-2021 UBP Karawang management students totaling 897 students. The sample was 109 people representing UBP management students. The method used is purposive sampling. Data was collected by distributing questionnaires via Gform. The analysis technique used is moderated regression analysis. The results of this research are that financial literacy has a positive and significant effect on financial management. Financial attitudes can significantly influence the financial management of UBP Karawang management students. Financial literacy and financial attitudes simultaneously influence the financial management of UBP Karawang management students. Gender cannot moderate the influence of financial literacy towards the financial management of UBP Karawang management students, gender is unable to moderate the influence of financial attitudes on the financial management of UBP Karawang management students.