Article Sidebar

Download
PDF
Statistic
Read Counter : 294 Download : 260

Main Article Content

Abstract

Financial behavior among the public is still low, based on research conducted by the OCBC Financial Index showing data that the financial literacy and behavior index of the younger generation is still in the low range category, namely 37.72 out of 100 in 2021 for 1,027 respondents. Previous research on "financial behavior" that was carried out by Perry and Moris (2005) suggests that there are three factors that can affect "financial behavior" including: first one's self-control over whatever happens in life or also called (locus of control). Second, one's financial knowledge of matters related to money or banking products. Third, the level of one's income or (income). Research Objectives: to provide empirical evidence of the effect of financial inclusion on financial behavior. This research was conducted on students of the Faculty of Economics, Hasyim Asy'ari University with a total population of 980 students with sample calculations using the slovin formula. Research Methods using quantitative research methods with Smart PLS. The results of the hypothesis analysis show that the results of financial inclusion influence financial behavior. And Self Control can moderate or strengthen the relationship of financial inclusion to financial behavior.

Keywords

Self-Control Financial Inclusion Financial Behavior

Article Details

References

  1. Alshebami, A. S., & Aldhyani, T. H. (2022). The interplay of social influence, financial literacy, and saving behaviour among Saudi youth and the moderating effect of self-control. Sustainability, 14(14), 8780.
  2. Anwar, M. R. F., & Leon, F. M. (2022). Faktor – Faktor Yang Mempengaruhi Financial Behavior Pada Generasi Z Di Dki Jakarta. Jurnal Ilmu Manajemen Saburai (JIMS), 8(2), 145–162. https://doi.org/10.24967/jmb.v8i2.1788
  3. Arofah, A. A., Purwaningsih, Y., & Indriayu, M. (2018). Financial Literacy, Materialism and Financial Behavior. International Journal of Multicultural and Multireligious Understanding, 5(4), 370. https://doi.org/10.18415/ijmmu.v5i4.171
  4. Ashoer, M., Murdifin, I., Basalamah, J., As’ad, A., & Pramukti, A. (2021, February). Integrating social commerce constructs into mobile application service; a structural equation model. In Journal of Physics: Conference Series (Vol. 1783, No. 1, p. 012043). IOP Publishing.
  5. Byegon, G. (2020). Linkage Between Self-Control, Financial Innovations and Financial Inclusion. A Moderated Mediation Analysis Across Levels of Financial Literacy (The case of owners of Microenterprise in Kenya). European Journal of Business and Management Research, 5(4).
  6. Jorgensen, B. L. (2007). Financial Literacy of College Students: Parental and Peer Influences. Journal of Chemical Information and Modeling, 53(9), 1689–1699.
  7. Liu, S., Gao, L., Latif, K., Dar, A. A., Zia-UR-Rehman, M., & Baig, S. A. (2021). The behavioral role of digital economy Adaptation in sustainable financial literacy and financial inclusion. Frontiers in Psychology, 12, 742118.
  8. Mardiana, V., & Rochmawati, R. (2020). Self-Control Sebagai Moderasi Antara Pengetahuan Keuangan, Financial Attitude, Dan Uang Saku Terhadap Perilaku Menabung. Jurnal Pendidikan Ilmu Sosial, 30(2), 83–98. https://doi.org/10.23917/jpis.v30i2.11872
  9. Mpaata, E., Koske, N., & Saina, E. (2023). Does self-control moderate financial literacy and savings behavior relationship? A case of micro and small enterprise owners. Current Psychology, 42(12), 10063-10076.
  10. Onodugo, C., Ogbo, A., & Ogbaekirigwe, C. (2021). Moderating role of social capital on the effect of financial behavior on financial inclusion. Problems and Perspectives in Management, 19(3), 502.
  11. Perangin-angin, N., Fachrudin, K. A., & Irawati, N. (2022). The effect of financial literacy, financial inclusion and financial attitude on saving behavior with self-control as moderation: study on households in Cingkes Village, Dolok Silau District, Simalungun Regency. International Journal of Research and Review, 9(1), 470-477.
  12. Pinem, D., & Mardiatmi, B. D. (2021). Analisis Literasi Keuangan, Inklusi Keuangan dan Pendapatan terhadap Perilaku Pelaku UMKM Di Depok Jawa Barat. Syntax Literate ; Jurnal Ilmiah Indonesia, 6(1), 104. https://doi.org/10.36418/syntax-literate.v6i1.1650
  13. Risman, A., Ali, A. J., Soelton, M., & Siswanti, I. (2023). The behavioral finance of MSMEs in the advancement of financial inclusion and financial technology (Fintech). The Indonesian Accounting Review, 13(1), 91. https://doi.org/10.14414/tiar.v13i1.3213
  14. Saraswati, A. M., & Nugroho, A. W. (2021). Perencanaan Keuangan dan Pengelolaan Keuangan Generasi Z di Masa Pandemi Covid 19 melalui Penguatan Literasi Keuangan. Warta LPM, 24(2), 309–318. https://doi.org/10.23917/warta.v24i2.13481
  15. Tambun, S., & Cahyati, E. (2023). Impact of economic literacy and financial management on financial planning with self control as moderation. International Journal of Research in Commerce and Management Studies, 5(01), 164-175.
  16. Wahid, S. H., & Kususiyanah, A. (2021). The Relevance of the Usage of Artificial Intelligence and Machine Learning in Legal Analysis (An Analysis of Legal Provisions in the National Sharia Council Fatwa and Financial Services Authority Regulation Using Plagiarism Checker and ATLAS. ti). The 1st International Conference on Research in Social Sciences and Humanities (ICoRSH 2020), 584(Icorsh 2020), 926–936.
  17. Zulaihati, S., Susanti, S., & Widyastuti, U. (2020). Teachers’ financial literacy: Does it impact on financial behaviour? Management Science Letters, 10(3), 653–658. https://doi.org/10.5267/j.msl.2019.9.014.