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Pengaruh saving motives, kompetensi dan pengalaman positif terhadap keputusan membeli asuransi dengan kecenderungan membeli sebagai variabel mediasi Kristina Mersis; Mellyza Silvi
Journal of Business & Banking Vol 9, No 1 (2019): Mei - Oktober 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i1.1512

Abstract

The aim of this study was to examine the effect of saving motives, competency, and positive experience on insurance purchasing decision with the intention to purchase as a mediating variable. The study took 295 respondents which were taken based on the criteria such as having insurance and being a decision maker to buy insurance and living in Surabaya, Gresik, and Tuban. The data were analyzed using a Partial Least Square Structural Equation Modeling (PLS-SEM) by using PLS 6.0 program. The results showed that saving motives, competency and positive experience have a significant positive effect on insurance purchasing decision, while the inclination to purchase can mediate the effect of competency and positive experience on insurance purchasing decision.
Pengaruh saving motives, pengalaman positif terhadap keputusan membeli asuransi dengan kecenderungan membeli sebagai variabel mediasi Pratiwi Indah Nurhayati; Mellyza Silvi
Journal of Business & Banking Vol 8, No 2 (2018): November 2018 - April 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v8i2.1513

Abstract

The purpose of this study is to examine the influence of saving motives, positive experience on insurance purchasing decision with the inclination to purchase as mediation variable. The number of respondents from this study are 295 respondents. Respondents criteria in this study such as having insurance and being a decision maker to buy insurance and live in Surabaya, Gresik and Tuban. The technique to analyze the data use Partial Least Square Structural Equation Modeling (PLS-SEM) by using PLS 6.0 program. The results of this study explain that saving motives, and positive experience have a significant positive influence on insurance purchasing decision, while the inclination to purchase can mediate the influence of competency and positive experience on insurance purchasing decision.
Pengaruh faktor Pengaruh faktor demografi, motif menabung, dan literasi keuangan syariah terhadap permintaan asuransi syariah, motif menabung, dan literasi keuangan syariah terhadap permintaan asuransi syariah Meidiaswati, Harlina; Silvi, Mellyza
Jurnal Ilmu Manajemen Vol. 13 No. 4 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v13n4.p1049-1058

Abstract

A peaceful and prosperous retirement without financial problems is everyone's dream. This study aims to analyze the influence of financial knowledge and future orientation, mediated by external locus of control, on retirement planning behavior. The study used a quantitative approach. Testing was conducted on 321 respondents selected based on the following criteria: family financial managers with at least two years of work experience, a minimum family income of IDR 4,000,000 per month, and residing in Surabaya, Gresik, and Sidoarjo. Data were collected through questionnaires and analyzed using SEM PLS. The results indicate that financial knowledge and future orientation have a positive effect on retirement planning behavior, while external locus of control has a negative effect. These findings provide insight into the importance of improving financial knowledge through various means and enhancing future orientation through pension or retirement programs to improve retirement planning behavior. It is important to note the role of external locus of control, which weakens the influence of future orientation on retirement planning behavior.