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Go Back       Himalayan Journal of Economics and Business Management | Volume:4 Issue:5 | Oct. 30, 2023
67 Downloads164 Views

DOI : 10.47310/Hjebm.2023.v04i05.013       Download PDF       HTML       XML

The Moderating Effects Financial Self Eficacy and Income Level on the Relationship Between Financial Literacy and Millennial Saving Behavior in Indonesia-Malaysia Border West Kalimantan


Rizki Ansori1, Maria Christiana Iman Kalis2, Muhammad Irfani Hendri3

1 Mahasiswa Prodi Doktor Ilmu Manajemen Fakultas Ekonomi dan Bisnis Universitas Tanjungpura, Pontianak, Indonesia

2,3 Dosen Faculty of Economics and Business, Universitas Tanjungpura, Pontianak, Indonesia


*Corresponding Author

Rizki Ansori

Article History

Received: 15.10.2023

Accepted: 20.10.2023

Published: 30.10.2023



Abstract: Penelitian ini mengeksplorasi efek moderasi dari Financial Self Eficacy dan Income Level pada hubungan antara Financial Literacy dan Millenial Saving Behavior. Penelitian literasi keuangan saat ini mengakui bahwa variabel ini dapat mempengaruhi hubungan saving behavior, namun sedikit penelitian telah dilakukan mengatasi dampak dari faktor ini. Menggunakan kumpulan data yang tersedia untuk umum sebanyak 200 responden Millenial di Indonesia khususnya di wilayah perbatasan Entikong Kalimantan Barat, saya berhipotesis bahwa faktor ini memiliki efek moderasi yang positif yang artinya dapat meningkatkan kekuatan dan arah hubungan.


Keywords: Formal Education, Financial Literacy Education, Financial Literacy, Millenial Saving Behavior, West Kalimantan Border.



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