Faktor-Faktor yang Mempengaruhi Minat dan Perilaku Menabung pada Masyarakat Batam

Ariyongdra, Djanuarko Yudha (2020) Faktor-Faktor yang Mempengaruhi Minat dan Perilaku Menabung pada Masyarakat Batam. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Perilaku menabung berperan penting dalam meningkatkan pertumbuhan ekonomi masyarakat. Budaya menabung yang tinggi pada masyarakat akan menghasilkan uang dalam sebuah sistem perbankan yang teratur dan mendorong ketersediaan dana segar yang berfungsi dalam menggerakkan pembangunan dan ekonomi masyarakat, dimana dana yang terkumpul tersebut akan disalurkan melalui kredit pada masyarakat yang membutuhkan dana untuk pengembangan usaha. Dalam melakukan pengujian ini, maka penulis membagikan kuesioner untuk meminta pendapat dan opini dari masyarakat Batam mengenai perilaku menabung. Sejumlah 250 kuesioner disebarkan dan sebanyak 243 kuesioner yang kembali dan selanjutnya dilakukan uji regresi dengan menggunakan SPSS untuk mendapatkan kesimpulan dan hipotesis penelitian. Pengujian ini membuktikan bahwa terdapat pengaruh antar variabel independen dan dependen yang sesuai dengan rumusan hipotesis. Hasil uji membuktikan bahwa semua variabel independen yaitu peer influence, parental socialization dan financial literacy berpengaruh signifikan positif terhadap dependen yaitu saving behavior.--------------------------------Savings behavior plays an important role in increasing community economic growth. A culture of high savings in the community will generate money in a regular banking system and will encourage the availability of fresh funds that function in driving the community's economy, where the collected funds will be channeled through credit to other communities who need funds for business development. This study started by distributing questionnaire to gain opinions from trespondent regarding saving behavior. A total of 250 questionnaires were distributed and 243 questionnaires were returned and then regression tests were carried out using SPSS to obtain conclusions and research hypotheses. This study proves that there are influence between the independent and dependent variables in accordance with the hypothesis formulation. The study results prove that all independent variables, namely peer influence, parental socialization and financial literacy have a significant positive effect on the dependent variabel, saving behavior.

Item Type: Thesis (Undergraduate)
Uncontrolled Keywords: peer influence, parental socialization, financial literacy, saving behavior.
Subjects: H Social Sciences > HG Finance
Divisions: School of Economic and Business > Management
Depositing User: Herlina Gultom
Date Deposited: 20 Jan 2021 09:49
Last Modified: 20 Jan 2021 09:49
URI: http://repository.uib.ac.id/id/eprint/3331

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