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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Cahyani, Rifat
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Sosial Ekonomi, Literasi Keuangan Digital, Inklusi Keuangan Terhadap Perilaku dan Perencanaan Menabung di Masa Depan Cahyani, Rifat; Abdurrahman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.5779

Abstract

Along with the development of the times and technology today, there is a shift in the treatment of conducting financial transactions. This study is a quantitative research using the Structural Equation Model (SEM) method. In socio-economic research with digital financial literacy, saving behavior and future savings planning have a positive influence. Gaps are shown in financial inclusion and digital financial literacy which have no influence on spending planning. In practice, individuals will continue to make their e penses and other factors, namely une pected needs. A positive influence is held between spending planning and saving behavior. However, there is a negative influence between spending planning and future savings planning. Some of the things that can be a factor in the absence of future savings preparation are procrastination and compulsive buying behavior. Positive influence of saving behavior and future savings planning which aims as savings with transactional purposes.
Sosial Ekonomi, Literasi Keuangan Digital, Inklusi Keuangan Terhadap Perilaku dan Perencanaan Menabung di Masa Depan Cahyani, Rifat; Abdurrahman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.5779

Abstract

Along with the development of the times and technology today, there is a shift in the treatment of conducting financial transactions. This study is a quantitative research using the Structural Equation Model (SEM) method. In socio-economic research with digital financial literacy, saving behavior and future savings planning have a positive influence. Gaps are shown in financial inclusion and digital financial literacy which have no influence on spending planning. In practice, individuals will continue to make their e penses and other factors, namely une pected needs. A positive influence is held between spending planning and saving behavior. However, there is a negative influence between spending planning and future savings planning. Some of the things that can be a factor in the absence of future savings preparation are procrastination and compulsive buying behavior. Positive influence of saving behavior and future savings planning which aims as savings with transactional purposes.
Co-Authors Abdurahman Abdurrahman