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All Journal JURNAL BISNIS STRATEGI Bahtera Inovasi
Prayoga, Widi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Financial Literacy and Behavior of Indonesian Diaspora Women: A Study of Muslimah Humairah Community in South Korea Maulidina, Alma Syifa; Deny, Muhammad; Prayoga, Widi; Purnomo, Budi Supriatono; Purnamasari, Imas
JURNAL BISNIS STRATEGI Vol 34, No 1 (2025): July
Publisher : Master of Management, Faculty of Economics and Business, Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jbs.34.1.52-62

Abstract

This study aims to analyze the influence of Financial Literacy and Financial Behavior on Financial Stability among Indonesian diaspora women in South Korea, specifically within the Muslimah Humairah Community. Using a quantitative approach and a descriptive-verificative design, data were collected through a structured questionnaire from 88 respondents. The research employed multiple linear regression analysis and tested the classical assumptions, including normality, multicollinearity, heteroskedasticity, and autocorrelation. The results demonstrate that both Financial Literacy and Financial Behavior have a significant positive effect on Financial Stability. Financial Literacy plays a more dominant role, with a standardized coefficient (Beta) of 0.783, compared to Financial Behavior, which has a Beta of 0.173. The regression model explains 79.4% of the variation in Financial Stability (R² = 0.794), confirming its robustness. These findings highlight the importance of integrating financial education with practical behavioral interventions to foster economic resilience. Improving financial knowledge and encouraging disciplined financial habits can empower diaspora women to achieve greater financial stability, particularly in the face of economic challenges in a foreign country.
The Impact of Financial Literacy and Financial Behavior on Investment Decision among Private Sector Employees in Tasikmalaya City Prayoga, Widi; Purnomo, Budi Supriatono; Purnamasari, Imas
JURNAL BISNIS STRATEGI Vol 34, No 1 (2025): July
Publisher : Master of Management, Faculty of Economics and Business, Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jbs.34.1.63-78

Abstract

This study aims to determine the extent of the influence of financial literacy and financial behavior on investment decisions among private sector employees in the city of Tasikmalaya. The population in this study is 39,775, with a sample size of 400 determined using the Slovin formula. The research method used is descriptive and verificative, with purposive sampling as the technique. This study employs multiple linear regression, F-test, and t-test. The results show that both financial literacy and financial behavior have a positive and significant impact on investment decisions, both partially and simultaneously. The added value of this research lies in its ability to provide insights into how financial literacy and financial behavior influence investment decisions, particularly among private sector employees in an emerging region like Tasikmalaya. The findings emphasize the importance of financial education in shaping investment behavior, offering valuable data to improve financial literacy programs and interventions. These insights can guide efforts to enhance financial behaviors and promote more informed investment decisions, supporting better financial decision-making among employees.
Co-Authors Imas Purnamasari Maulidina, Alma Syifa Muhammad Deny, Muhammad Mulyana, Helmi Purnomo, Budi Supriatono Tjutju Yuniarsih, Tjutju