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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Journal of Business Economics : Needs, Services, and Money
Siska Putri Utami
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Efektivitas Tingkat Literasi Keuangan, Kepercayaan dan Kualitas Pelayanan terhadap Minat Menabung di Bank Syariah Sriyono; Siska Putri Utami; Tiara Nur Mediana Faradilah; Safira Ariskiya; Sofiyatus Zahro
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): 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.v5i5.1645

Abstract

Due to a lack of knowledge and exposure to sharia banks, people tend to think that saving at conventional banks and sharia banks is the same. The decline in people's interest in saving in sharia banking is also influenced by the increasingly widespread use of conventional banking compared to sharia banking. Financial literacy does not have a significant effect on interest in saving at Islamic banks. Trust has a positive and significant effect on interest in saving in Islamic banks. The influence of service quality on the research results shows that the service quality variable has a significant influence on people's interest in saving at Sharia Banks. Financial literacy does not have a significant effect on interest in saving at Sharia Banks. Trust has a positive impact on interest in saving at Sharia Banks. The quality of this service has a big influence on people's interest in saving at Sharia Banks
Efektivitas Tingkat Literasi Keuangan, Kepercayaan dan Kualitas Pelayanan terhadap Minat Menabung di Bank Syariah Sriyono; Siska Putri Utami; Tiara Nur Mediana Faradilah; Safira Ariskiya; Sofiyatus Zahro
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): 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.v5i5.1645

Abstract

Due to a lack of knowledge and exposure to sharia banks, people tend to think that saving at conventional banks and sharia banks is the same. The decline in people's interest in saving in sharia banking is also influenced by the increasingly widespread use of conventional banking compared to sharia banking. Financial literacy does not have a significant effect on interest in saving at Islamic banks. Trust has a positive and significant effect on interest in saving in Islamic banks. The influence of service quality on the research results shows that the service quality variable has a significant influence on people's interest in saving at Sharia Banks. Financial literacy does not have a significant effect on interest in saving at Sharia Banks. Trust has a positive impact on interest in saving at Sharia Banks. The quality of this service has a big influence on people's interest in saving at Sharia Banks
Financial Knowledge, Socialization, and MSME Financial Management Behavior: Evidence from a Perceived Behavioral Control Perspective Siska Putri Utami; Yusron Toto
Journal of Business Economics : Needs, Services, and Money Vol. 1 No. 2 (2026): Journal of Business Economics:Needs, Services, and Money
Publisher : Institut Bisnis dan Ekonomi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study examines the determinants of financial management behavior among micro, small, and medium enterprises (MSMEs) by integrating Behavioral Finance Theory and the Theory of Planned Behavior. Specifically, it investigates the roles of financial knowledge and financial socialization, with perceived behavioral control as a mediating variable. Using a quantitative approach, data were collected through a structured questionnaire from 160 MSME owners in Pontianak City, Indonesia. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings reveal that financial knowledge does not directly influence financial management behavior but significantly enhances perceived behavioral control. In contrast, financial socialization has both direct and indirect effects on financial management behavior. Perceived behavioral control is found to significantly influence financial management behavior and fully mediates the relationship between financial knowledge and financial management behavior, while partially mediating the relationship between financial socialization and financial management behavior. These results suggest that cognitive financial knowledge alone is insufficient to drive effective financial behavior unless individuals perceive adequate control over financial decisions. This study contributes to the behavioral finance literature by highlighting perceived behavioral control as a key psychological mechanism in shaping MSME financial behavior. The findings provide practical implications for policymakers and practitioners to design financial empowerment programs that emphasize behavioral control and social learning alongside financial literacy.
Co-Authors Safira Ariskiya Sofiyatus Zahro Sriyono Tiara Nur Mediana Faradilah Yusron Toto