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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis JIPI (Jurnal Ilmiah Penelitian dan Pembelajaran Informatika) Journal of English Education and Teaching (JEET) alfazuna: Jurnal Pembelajaran Bahasa Arab dan Kebahasaaraban Pelita Eksakta Journal Cerita: Creative Education of Research in Information Technology and Artificial Informatics Jurnal Tekinkom (Teknik Informasi dan Komputer) BERNAS: Jurnal Pengabdian Kepada Masyarakat Coopetition : Jurnal Ilmiah Manajemen Jurnal Administrasi Pendidikan Islam LOSARI: Jurnal Pengabdian Kepada Masyarakat Ma'mal: Jurnal Laboratorium Syariah dan Hukum As-Sidanah : Jurnal Pengabdian Masyarakat Jurnal Kependidikan Islam
Fauzi, Ahmad
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Control & Systems Engineering Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Nursing Physics Public Health Social Sciences Transportation Veterinary Other

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Journal : Coopetition : Jurnal Ilmiah Manajemen

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The Psychology of Saving : How Mindset Impacts Financial Competence Fauzi, Ahmad; Fauziah, Nadiatullah Tsuraya; Rahayu, Sari
Coopetition : Jurnal Ilmiah Manajemen Vol. 15 No. 2 (2024): Coopetition : Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/coopetition.v15i2.4455

Abstract

This study investigates the dynamics of financial competence among customers and employees of Bank BNI, focusing on the roles of mindset, saving behavior, and financial knowledge. Using a quantitative research design with a sample size of 100 participants selected through random sampling, data were analyzed using Smart PLS for path analysis. The findings reveal significant direct relationships: mindset positively influences both financial knowledge (FK) and financial competence (FC), while saving behavior directly enhances FC. Additionally, indirect effects show that both mindset and saving behavior contribute to FC through their positive impacts on FK. These results highlight the critical importance of psychological factors and proactive financial behaviors in shaping individuals' financial capabilities. For Bank BNI, promoting a positive financial mindset and supporting disciplined saving practices could effectively enhance financial literacy and decision-making among stakeholders. Future research could explore additional variables and interventions to further refine strategies for fostering financial competence across diverse demographic groups.  
Co-Authors Abdul Haris Achmad, Syifa Latifah Alfiarany Choirun Nisa Alissa Qotrunnada Rohmah Anggita, Sharazita Dyah Budhi Oktavia Dianita Nur Auliya Fauziah, Nadiatullah Tsuraya Febrina Zakiya Daroja Galih Setiawan Nurohim Gata, Windu Guspatni Guspatni Heeba Alya Ronan Indra, Jamaludin Irma Setya Ningsih Lubab, Ahmad Miftahul Ainiyah Muhammad Sholahudin Ayyubi Nisa’ Cholida, Aliffian Nurlaelatul Maulidah Nurlita Nindya Putri Qibtiyah, Siti Rahayu, Sari Rahmat Rahmat Ramadhan, Muchamad Fachrul Riki Supriyadi Rista Dwi Jayanti Rizka Safriyani Rizky Luthfiandari Rizky Rahmawati, Hanifa Rohana, Tatang Shifa Shalsabila Siti Asmiyah SRI RAHAYU Supriyanti, Dedeh Upik Khoirul Abidin Vina Afrina Fitri Wahiddin, Deden Wati, Fanny Fatma Windhi Candra