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All Journal STI Policy and Management Journal MABIS: Manajemen dan Bisnis Jurnal Manajemen dan Kewirausahaan
Dewi Saraswati
Universitas Prasetiya Mulya
Economics, Econometrics & Finance Social Sciences

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Journal : Jurnal Manajemen dan Kewirausahaan

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CLUSTER ANALYSIS OF FINANCIAL BEHAVIORS AND PREFERENCES AMONG THE BOTTOM OF THE PYRAMID GROUP Dewi Saraswati; Dian Kusumaningrum
Jurnal Manajemen dan Kewirausahaan Vol. 21 No. 1 (2019): MARCH 2019
Publisher : Management Study Program, Faculty of Business and Economics, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (628.577 KB) | DOI: 10.9744/jmk.21.1.51-63

Abstract

This study investigates the financial behavior and preferences of the bottom of the pyramid (BOP) group, and thus, contributes to the financial inclusion demand-side literature. A survey of 100 households was conducted. A cluster analysis was used to analyze the data and portray the characteristics of the BOP. Further analysis was conducted using chi-square and ANOVA tests. The results reveal three sub-groups within the BOP which consists of the very low, low, and medium. Financial behaviors are found to be indifferent among the sub-groups, except for savings allocations and financial planning. Households with a better economic condition are found to have a higher attention to use banking services. The financial literacy category indicates different attitudes in conducting long-term financial planning and service preferences. This result implies that financial literacy and adequate financial products are beneficial towards the financial inclusion of the BOP group.
Co-Authors Dian Kusumaningrum Ivan Evander Subagyo SATRIYAS ILYAS Seprianus Seprianus Teddy Trilaksono