Widjaja, Indra and Arifin, Agus Zainul and Setini, Made The effects of financial literacy and subjective norms on saving behavior. The effects of financial literacy and subjective norms on saving behavior.
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Abstract
This paper examines the influence of Financial Literacy on savings behavior that is improved by
storing intentions and attitudes towards savings. Also, the study investigates the effect of subjective
norms on saving behavior that is mediated by attitudes toward austerity. Research subjects were
primary data from 469 young workers who worked in the DKI Jakarta area in 2018. Data were
collected online by distributing questionnaires using Google Docs and they were analyzed using
SEM-PLS. The research findings prove that financial literacy affects saving behavior, both directly
and indirectly through the variables of saving intention and attitude to saving mediation. Other
findings prove that subjective norms do not directly affect thrifty behavior, but had indirect effects
through attitudes toward thrifty variables. This study offers alternative models of researchers associated
with frugalbehavi or with theories of planned behavior theory with predictors of financial literacy and subjective norms to improve frugal behavior proving that saving
intentions and attitudes towards saving
can mediate financial literacy.
| Item Type: | Article |
|---|---|
| Subjects: | Penelitian > Fakultas Ekonomi |
| Divisions: | Fakultas Ekonomi > Manajemen |
| Depositing User: | Puskom untar untar |
| Date Deposited: | 12 Nov 2020 09:54 |
| Last Modified: | 12 Nov 2020 09:54 |
| URI: | https://repotest.untar.ac.id/id/eprint/13256 |
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