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Journal : Enrichment : Journal of Management

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 influence of financial technology, financial literacy and financial attitudes on the financial behavior of micro, small and medium enterprises (MSMEs) Rohi Bire, Amram; Maria, Maria; Manteiro, Maria C. B.; Hamu, Adriyana Lemba Ana
Enrichment : Journal of Management Vol. 13 No. 5 (2023): December
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i5.1808

Abstract

The aim of the research is to investigate the Influence of Financial Technology, Financial Literacy and Financial Attitudes on the Financial Behavior of Micro, Small and Medium Enterprises (MSMEs) Data Analysis techniques were carried out through Multiple Linear Regression Analysis with Multiple Linear Regression Formula Y=a+bX1+bX2+bX3+e. The results showed that there was a partial influence of financial technology on the financial behavior of Micro, Small and Medium Enterprises (MSMEs) owners receiving People's Business Credit (KUR) from PT. Bank Rakyat Indonesia, Kupang Branch while Financial Literacy Does Not Partially Affect the Financial Behavior of Micro, Small and Medium Enterprises (MSMEs) Owners Receiving People's Business Loans (KUR) from PT. Bank Rakyat Indonesia, Kupang Branch and also the variable Financial Attitude have no effect on Financial Attitude. However, simultaneously there is the influence of financial technology, financial literacy and financial attitudes on the financial behavior of Micro, Small and Medium Enterprises (MSMEs) owners receiving People's Business Credit (KUR) from PT. Bank Rakyat Indonesia, Kupang Branch amounted to 6.6% while 93.3% was influenced by other factors not examined in this study. With the Regression Equation obtained Y=21.426+0.401X1-0.248X2-0.105X3+e
Co-Authors Abdurrahmansyah Abdurrahmansyah, Abdurrahmansyah Adi Nugroho Aditia, Rozy Kurniady Adoe, Krysler K Afriana, Khoiria Agus, Yohanes Hendro Alena Uperiati Alfarishi, Ahmad Fauzan Alfred Jansen Sutrisno Amri, Darul Ananda Hendri Putri Andree Wijaya Setiawan Anik Purwati Anjani, Regyna Rachmadilla Apriliaca , Vinchica Arif, Samsu Armaini, Rossy Asvia, Mustaan Hamid Bainil Yulina Batia, La Bayu Nuswantara Bernadetha, Maria Bire, Amram Rohi Bistok Hasiholan Simanjuntak Budi Koestoro CAROLIN , GISELA ANINDITA Choiruddin, Choiruddin Daiman, Nur Jannah Damara Dinda Nirmalasari Zebua Dewi Marwati Nuryanti, Dewi Marwati Dina Juniar Anggraini Elis Anggeria Emelda Rahmadani Saputri Engel, Stela Sahetapy ERINA, CLARA Eryanti, Eryanti Fahmi, Devi Nurul Fatimah Azzahrah Febi Karisma Putri, Febi Karisma Putri Firmansyah Hamu, Adriyana Lemba Ana Harimei Suprapto, Bambang Hendrik Johannes Nadapdap Humairah, Aisy Putri Hutauruk, Loren Rumia I Putu Ayub Darmawan Idha Aprilyana Sembiring Indra Satriawan Indra Widjaja Indriasari, Desi Indriyani, Oktarima Jamal Rauf Husain Jamaluddin Jamaluddin Jaya, Asrul Johan Jimmy Carter Tambotoh Karunia, Tiara Kelen, Maria Sisilia Lou Klarista Ardiani Krisna, Dany Yudha Kurniawati Kurniawati Kusuma Adhianto Lao, Hans A. Lasmono Tri Sunaryanto Lestari, Gita Cahyani Liana Liana Liony Lumombo Liska Simamora Loden, Mexsi Madry, Madry Maharani, Naila Manteiro, Maria C. B. Mardin, John Maria Marina Herawati Mashudi Mashudi Maulida, Maulida Metta Santiputri Mira Amelia Amri, Mira Amelia Mubarok, M. Husni Mufida, Miratul Khusna Muhammad Altin Massinai Muhammad Prima Muhammad Zaini Muhtarudin Muhtarudin Mulyadi Eko Purnomo, Mulyadi Eko Munajah, Khairun Nainggolan, Jefri Najib, Nardy Noerman Nawir, Alfian Noach, Roberth M. NOVIANTI, VELIA Nur Alam Nur Hidayat Nurhasanah Nurhasanah Octaviani, Erica Safira Pana, Timoteus Muda Panggabean, Mora H Ramadhan Pinaduta, Titus Edi Pitra, Pitra Prasetyawati Umar, Emi Putra , Adi Putri Puspita sari Putri, Andi Utami Batari R Aji Bayu Nugroho Rianto Ringa, Maria B Riza Wahyudi Rohi Bire, Amram Rokhayati, Yeni Rosnidar Sembiring Rosy Armaini Sabrianto Aswad, Sabrianto Sada, Novi Herman Salsabila, Mutia Anisah Sari, Karika Rachma Sarikadarwati Sartien, Margaretha Sartikha, Sartikha Sauw, Heni Matelda Sea, Johanes Gedo Selly Artaty Zega Sepriani, Wiwi Septian Dwi Putri Siahaan, Arta Uly Sinaga, Mentari Soares, Josefina B. M. Sonianto, Sonianto Sri Suharyati Srida Mitra Ayu Sugeng Sutiarso Sukmini Hartati Sulaiman Sulaiman Supardianto Supardianto Suprapto, Bambang harimei Sutrimono, Sutrimono Syamsuddin Syamsuddin Tamar, Khadijah Rezkiani Tinjung Mary Prihtanti Uki, Riyan Setiawan Umran, La Ode Muh. Utami, Agnes Wakila, Muhammad Hardin Wilianto, Haris Witno Witno Yoga Aji Handoko Yuli Antina Aryani, Yuli Antina Yuliawati Yumna Yumna, Yumna Yusuf Surachman Djajadihardja, Yusuf Surachman