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All Journal EQIEN - JURNAL EKONOMI DAN BISNIS YUME : Journal of Management Jurnal Ilmiah Ecosystem EKUITAS (Jurnal Ekonomi dan Keuangan) JBIMA (Jurnal Bisnis dan Manajemen) Business Management Journal Program Studi Manajemen Jurnal Sains Manajemen dan Bisnis Indonesia Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Komunitas: Jurnal Pengabidian Kepada Masyarakat JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) JPM: JURNAL PENGABDIAN MASYARAKAT ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING International Journal of Health, Economics, and Social Sciences (IJHESS) Jurnal Bina Bangsa Ekonomika Arus Jurnal Sosial dan Humaniora Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri Journal of Economics, Entrepreneurship, Management Business and Accounting Jurnal Kabar Masyarakat Riwayat: Educational Journal of History and Humanities Celebes Journal of Community Services Aksi Nyata : Jurnal Pengabdian Sosial dan Kemanusiaan Jurnal Ilmiah Bongaya (JIB) Khazanah Sosial
Sohilauw, Muhammad Irfai
Makassar Bongaya College Of Economics
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Income, Saving Behavior, and Household Financial Decision-Making: A Moderated-Mediation Analysis of Behavioral and Economic Factors in Indonesia Muhammad Sohilauw; Rosdiana Rosdiana; Andi Harmoko Arifin; Nasir Nasir; Muhammad Kafrawi Yunus
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.844

Abstract

Purpose: This study examines the roles of income and saving behavior in household financial decision-making, with financial risk management as an intervening factor. Design/methodology/approach: This study uses survey data from 500 working individuals and applies a predictive composite modeling approach combining robust MM estimation and cross-validated regression to address non-normal behavioral finance data. Findings/Results: The results show that saving behavior has a strong positive effect on household financial decision-making and financial risk management. It also indirectly affects financial decision-making through financial risk management. Income has a positive but weaker effect. The interaction between income and saving behavior is significant, indicating that the effect of income becomes smaller when saving discipline is higher. The model explains 62.8% of the variance in household financial decision-making. Originality/Value: This study shows that household financial decisions are shaped not only by economic capacity but also by behavioral discipline. The findings suggest that strengthening saving behavior and financial risk management is more effective than relying on income alone.
Saving Behavior and Financial Access in the Digital Era: Cross-Country Panel Evidence from High-Income Economies Muhammad Irfai Sohilauw; Yana Fajriah; Syamsul Alam; Edy Jumady; Hasbiyadi Hasbiyadi
Khazanah Sosial Vol. 8 No. 2 (2026): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v8i2.54258

Abstract

This study aims to address the empirical gap between the expansion of financial access and the persistence of unequal financial behavior in highly digitalized, high-income countries. Specifically, this study analyzes the effects of saving behavior and financial access on both traditional and digital financial behavior, while also examining the moderating role of internet penetration in these relationships. The study employs a quantitative approach using a cross-country panel data design. The data are obtained from the Global Findex surveys conducted in 2014, 2017, and 2021, covering 42 high-income countries with a total of 126 country-year observations. The analysis applies panel data regression to examine the relationships among variables and to test the proposed moderating effects. The results show that saving behavior has a positive and statistically significant effect on both traditional and digital financial behavior, confirming the importance of financial discipline. In contrast, financial access does not exhibit a consistent direct effect. Its influence becomes more relevant in the digital context through interaction with internet penetration, although the moderating effect remains relatively limited. The findings imply that policies should not only focus on expanding financial access but also emphasize strengthening financial capability and digital literacy. In addition, the development of digital financial systems should promote more effective and responsible financial usage. In terms of originality, this study contributes to the literature by simultaneously examining traditional and digital financial behavior within a cross-country empirical framework, while explicitly modeling the moderating role of digital infrastructure, which remains underexplored in previous studies.
Co-Authors A. Jihan Fitrayana A. Sulfati A. Tenriola Abdul Mansyur Mus Adhe Alda Rezky Darmawan Aditya Rifki Putra Ady Adriansyah Afiuddin, Muhammad Rifaldy Agnes Datu Tanantin Ahmad Anto Alifiyah Utami Faisal Andi Harmoko Arifin Ardiansyah Halim Arzah Hidayatullah Ashari, Nurfadilla Awaluddin Awaluddin Azlineer Sarip Bintang Dani Bustam Bustam Dahniar Daud Dhea Hildayanty Didit Fachri Rifai Djamila Saleh Djamilah Saleh Edy Jumady Elyas Albar Erniwati Madya Ervina Ervina Gunawan Gunawan Hardiani Hardiani Haris, Syahyudi Hasbiyadi Hasbiyadi Hasbiyadi, Hasbiyadi Heslina Heslina Husnul Agus Mubarak Kadir, Muh. Akob Khaeril, Khaeril Krhistian, Roy Luciana Kanji Lusiana Kanji M. Akob Kadir Mansyur Tanra Mappamiring Mappamiring Mappamiring P Mentari Syafar Muh Irwan Nur Hamidin Muh Wiswandi Murlan Muh. Andhy Saputra Muh. Faisal Arief Muh.Umar Data Muhamad Bighta Pratiya Muhammad Akob Kadir Muhammad Kafrawi Yunus Muhammad Reezha Kurniawan Muhammad Tafsir MURSIDAH MURSIDAH Mustafa Gani Nasir Nasir Nelwan, Reny Nur Azizah Nur Fiskayani Yustika Nur Hikmah Nurfadya Zulfatulaela Nurlaely Razak Orfyanni S. Themba Rabihatun Idris Reny Nelwan Rezky Ramadhan Ridjal, Syamsul Rosdiana Rosdiana Rosdiana Rosdiana Rumianti, Chaerunnisa Saputra, Ade Cahya Prandy Siti Mispa Sjahruddin, Herman Syamsul Alam Syamsul Alam Syamsul Ridjal Tangngisalu, Jannati Wahyuni Wahyuni Wulan Purnama Rais Yacobus Efesus Yana Fajriah Yana Fajriah Yudi Ahmad Sadeli