Faktor yang Mempengaruhi Keputusan Keuangan Masa Depan

Authors

DOI:

10.33395/owner.v7i1.1159

Abstract

This research tries to find factors influencing financial decision in the future. There are three variables we use here: financial decision in the future, saving decisions and trust in banking institutions. The research was conducted by involving as many 200 respondents—teachers in High School—in the Makassar City. The method to analyze is Multivariate Regression that can find impact of independent variables on dependent variable. The results of study prove that the variable of current saving decision has a significant positive impact on the variable of future financial decisions. Likewise, the variable of trust in banking institution also proves a significant positive result. From these findings, it is understood that when people have better and stronger desire to save, they tend to allocate money for the future. Also when people have trust in banking institutions, they will manage money wisely for the future. We conclude that people who like to save and believe in banking institutions will easily make financial planning due to uncertainties that they must face in the future.

Downloads

Download data is not yet available.

        Plum-X Analityc

References

Bentley, M. J., & Bogan, V. L. (2019). Boomerang Bias: Examining the Effect of Parental Coresidence on Millennial Financial Behavior. Financial Planning Review, 2(1): e1034.

Eberhardt, W., Bruine de Bruin, W., & Strough, J. (2018). Age differences in financial decision making: The benefits of more experience and less negative emotions. Journal of Behavioral Decision Making, 32(1): 79 – 93.

Gerrans, P., & Hershey, D. A. (2016). Financial Adviser Anxiety, Financial Literacy, and Financial Advice Seeking. The Journal of Consumer Affairs, 15(1): 54 - 90.

Greenberg, A. E., & Hershfield, H. E. (2018). Financial Decision Making. Consumer Psychology Review, 2(1): 17 – 29.

Gujarati, D. N., & Porter, D. C. (2009). Basic Econometrics (5th edition). New York: The McGraw-Hill Companies, Inc.

Holik, A., & Mulyeni, S. (2019). Financial Awareness among the Teachers, Economics Development Analysis Journal, 8(3): 316 – 328.

Howlett, E., Kees, J., & Kemp, E. (2008). The Role of Self-Regulation, Future Orientation, and Financial Knowledge in Long-Term Financial Decisions. The Journal of Consumer Affairs, 42(2): 223 – 242.

Kraft, H., & Steffensen, M. (2008). Optimal Consumption and Insurance: A Continous-Time Markov Chain Approach. Astin Bulletin, 38(1): 231 – 257.

Kim, J., Gutter, M. S., & Spangler, T. (2017). Review of Family Financial Decision Making: Making Suggestion for Future Research and Implications for Financial Education. Journal of Financial Counseling and Planning, 28(2): 253 – 267.

Ramli, R. R. (2021). Pelaku Pembobolan Nasabah Ditangkap: Ini Respon Bank BTPN. Data diakses dari https://money.kompas.com/read/2021/10/13/183400526/pelaku-pembobolan-data-nasabah-ditangkap-ini-respons-bank-btpn at 12/16/2021.

Salleh, M. C. M., Chowdhury, M. A. M., Nasarudin, M. F. B. M., Ratnasari, R. T. (2020). The Impact of Cognitive Factors on Individuals‘ Financial Decisions. Management and Accounting Review, 19(3): 69 – 88.

Sonnenberg, S. J. (2018). the Economic Psychology of Financial Decision-Making and Money Management in the Household. In Rob Ranyard (ed.) Economic Psychology. John Wiley & Sons, Ltd: New Jersey.

Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14: 30 – 38.

Warmath, D., Piehlmaier, D., & Robb, C. (2019). The Impact of Shared Financial Decision Making on Overconfidence for Married Adults. Financial Planning Review, 2(1): e1032.

West, T., & Cull, M. (2020). Future Expectation and Financial Satisfaction. Economic Papers: a Journal of Applied Economics and Policy, 39(4): 318 - 335.

Published

2022-11-07

How to Cite

Holik, A., & Mahmud, A. K. (2022). Faktor yang Mempengaruhi Keputusan Keuangan Masa Depan. Owner : Riset Dan Jurnal Akuntansi, 7(1). https://doi.org/10.33395/owner.v7i1.1159