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Birgitta Dian Saraswati
Universitas Kristen Satya Wacana
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Analisis Determinan Tabungan di Indonesia: Suatu Aplikasi Teori Life Cycle Hypothesis Stesia Selumiel Sangka; Birgitta Dian Saraswati
JURNAL TRANSFORMATIF UNKRISWINA SUMBA Vol. 14 No. 2 (2025): Vol XIV No 2 (November) 2025
Publisher : Universitas Kristen Wira Wacana Sumba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58300/zkcbqc56

Abstract

The role of savings in an economy is very important, an increase in savings will increase investment and economic growth. This study aims to determine how per capita income, the number of productive age population, and interest rates affect savings in Indonesia using the Life Cycle Hypothesis (LCH) theoretical framework. Using the Partial Adjustment Model (PAM) analysis technique with an observation period of 1991-2023, this study provides results that the per capita income variable is proven to have a positive and significant effect, as well as the interest rate variable is proven to have a negative and significant effect. While the variable number of productive age population is proven to have no effect. This indicates that the Life Cycle Hypothesis (LCH) theory has not been proven to apply in Indonesia. This is thought to be due to the high age dependency ratio in Indonesia. The policy implications of the findings in this study are in an effort to encourage national savings in addition to policies that increase per capita income, also with policies that can reduce the age dependency ratio for example by optimizing the old age security program by requiring all companies to include their employees in the old age security program. In addition, the finding that interest rates have a negative effect on savings, which is thought to be a response to rising inflation, means that the inflation targeting monetary policy currently implemented by Bank Indonesia is the right policy in an effort to encourage national savings
Co-Authors Agilita, Yuliana Angela Gracia Permata Hati Angela Gracia Permata Hati Angelita Titis Pertiwi Aryanto, Oktama Gusti Yudha Bobby Yuga Utama Chrissendy , Rafael David Kaluge Dewi, Jayanti Sukma Dhian Adhitya Dhian Adhitya Dwi Indarti Fajar Setiawan Gabriella Gabriella Galaxi Chrisamba Gatot Sasongko Gunarto, Alexandra Nesta Levina Leonardus Very Yudi Pradana Lia Ika Lestari Lutfitasari, Princisca M. Khusaini Manullang, Tya Anastasya Maulidiya, Erlina Muhammad Sulistyo Jati Nafurbenan, Klara Ayu Ni Made Tisnawati Palloan, Ricek Pasaribu, Yusnarto Fizai Atmojo Pramesti, Indah Prasetya, Maria Agape Widya Ramadhan, Bintang Dwika Rio Maggi Ritma Ritma Sairo, Justi Seraf Naifeto Seraf Naifeto Simorangkir, Christien Sotya Fevriera Sotya Fevriera Stesia Selumiel Sangka Sundari Sundari Thenu, Tirsa Natasha Thomas Andra Martian Trisdian, Paula Adiati Virgiana Nugransih Siwi Yulius Pratomo Yunika Damai Krisnawati Yustinus Wahyudi