How to cite this paper
Widjaja, I., Arifin, A & Setini, M. (2020). The effects of financial literacy and subjective norms on saving behavior.Management Science Letters , 10(15), 3635-3642.
Refrences
Ajina, A. (2019). Predicting customers' online word of mouth intention: The theory of planned behavior applied to under-stand youth Saudi social media behaviors. Management Science Letters, 9(10), 1553-1566.
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior And Human Decision Precesses, 50, 179–211.
Arifin, A. Z. (2018). Influence factors toward financial satisfaction with financial behavior as intervening variable on Jakarta area workforce. European Research Studies Journal, 21(1), 90–103.
Berkowitz, L. (1972). Frustrations , Comparisons , and Other Sources of Emotion Arousal as Contributors to Social Unrest. JOURNAL OF SOCIAL ISSUEAS, 28(1), 77–91.
BPS, (Indonesia Statistic Central Bureau). (2020). Berita Resmi Statistik: Profil Kemiskinan di Indonesia September 2019 (Official Statistics news: Poverty Profile in Indonesia September 2019) No. 08/01/Th. XXIII, January, 15, 2020. Jakarta: Biro Pusat Statistik.
Browning, M., & Lusardi, A. (1996). Household Saving: Micro Theories and Micro Facts. Journal of Economic Literature, 34(4), 1797–1855.
Calderone, M., Sadhu, S., Fiala, N., Sarr, L., & Mulaj, F. (2018). Financial Education and Savings Behavior: Evidence from a Randomized Experiment among Low-Income Clients of Branchless Banking In India. Economic Development and Cultural Change, 66(4), 793–825.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.
Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment a model of financial satisfaction predictor: Examaning the mediate of financial behavior and financial strain. Worls Applied Sciences Journal, 20(2), 190–197.
DOI: https://doi.org/10.5829/idois.wasj.2012.02.1832
Fiksenbaum, L., Marjanovic, Z., & Greenglass, E. (2017). Financial threat and individuals’ willingness to change financial behavior. Review of Behavioral Finance, 9(2). https://doi.org/10.1108/RBF-09-2016-0056
Furnham, A., & Tankel, M. P. G. (2015). Understanding savings , pensions and life assurance in 16 – 21-year-olds. Human Relation, 55(5), 603–628.
Gerhard, P., Gladstone, J. J., & Hoffmann, A. O. I. (2018a). Psychological characteristic and houshold savinga behavior: The importance of accounting for latent heterogeneity. Journal of Economic Behavior and Organization, 148, 66–82. https://doi.org/https://doi.org/10.1016/j.jebo.2018.02.013
Gerhard, P., Gladstone, J. J., & Hoffmann, A. O. I. (2018b). Psychological characteristics and household savings behavior : The importance of accounting for latent heterogeneity. Journal of Economic Behavior and Organization, 148, 66–82. https://doi.org/10.1016/j.jebo.2018.02.013
Gutter, M., & Copur, Z. (2011). Financial behaviors and financial well-being of college students: Evidence from a national survey. Journal Family and Economic, 32, 699–714. https://doi.org/10.1007/s10834-011-9255-2
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2014). PLS-SEM: Indeed a silver bullet. The Journal of Marketing Theory and Practice, 19(2), 139–152. https://doi.org/10.2753/MTP1069-6679190202
Harrod, R. F. (1939). An essay in dynamic theory. The Economic Journal, 49(193), 14–33.
Henager, R., & Mauldin, T. (2015). Financial literacy: The relationship to saving behavior in low-to moderate-income households. Family and Consumer Sciences Research Journal, 44(1), 73–87. https://doi.org/10.1111/fcsr.12120
Ismail, S., Kamis, R., Hashim, N., Harun, H., & Khairuddin, N. S. (2013). An empirical investigation on determinants of attitude towards saving behavior. In Procedia Economics and Finance (pp. 1–11). Elsevier Ltd. Retrieved from www.elsevier.com/located/procedia
Jamal, A. A. A., Ramlan, W. K., Karim, M. R. A., Mohidin, R., & Osman, Z. (2015). The effects of social influence and financial literacy on saving behavior : A study on students of higher learning institutions in Kota Kinabalu, Sabah. International Journal on Business and Social Science, 6(11), 110–119.
Kisaka, S. E. (2014a). The impact of attitudes towards saving, borrowing and investment on the capital accumulation process in Kenya: An Application of the Theory of Planned Behavior. Research Journal of Finance and Accounting, 5(9), 140–152.
Kisaka, S. E. (2014b). The impact of attitudes towards saving, borrowing and investment on the capital accumulation process in Kenya : An Application of the Theory of Planned Behavior. Research Journal of Finance and Accounting, 5(9), 140–151.
Lestari, D., Ferlina, A., & Trenggana, M. (2017). Pengaruh Literasi Keuangan Terhadap Minat Menabung (Studi Pada SMA Di Kota Bandung). Infirmatic, Science, Entreprneur, Applied Art, Research, Humanism, 16(2).
Magendans, J. (2014). The cost of self-protective measures : psychological predictors of saving money for a financial buffer. University of Twente. Retrieved from http://purl.utwente.nl/essays/65722
Mahdzan, N. S., & Tabiani, S. (2013). The impact of financial literacy on individual saving: An exploratory study in the Malaysian context. Transformations in Business & Economics, 12(1), 41–55.
Nidar, S. R., & Bestari, S. (2012). Personal financial literacy among university students (Case Study at Padjldjaran University Students, Bandung, Indonesia). Worid Journal of Social Sciences, 2(4), 162–171.
Presidential decree. (2016). PERPRES NO 82 2016 Tentang Strategi Nasional Keuangan Inklusif (Presidential Decree No. 82 Year 2016 concerning the National Strategy for Inclusive Finance) (pp. 1–43). Government of the Republic of Indonesia.
Raju, P. S., Lonial, S. C., & Mongial, W, G. (1995). Differential Effectts of Subjective Knowledge, Objective Knowledge, and Usage Experience on Decision Making: An Exploratory Investigation. Journal of Consumer Psychology, 4(2), 153–180.
Rodermund, R. H. (2012). Examining the savings habits of individuals with present fatalistic time perspectives using the theory of planned behavior. Retrieved from https://www.academyfinancial.org/resources/Documents/Proceedings/2012/F2-Rodermund.pdf
Sabri, M. F., & Juen, T. T. (2014). The influence of financial literacy, saving behaviour, and financial management on re-tirement confidence among women working in the Malaysian public sector. Asian Social Science, 10(14), 40.
Sabri, M., Razak, N., & Wijekoon, R. (2019). The mediation effect of intention in the pro-environmental workplace (PEW) behavior of Malaysian public employees. Management Science Letters, 9(10), 1567-1576.
Salem, S., & Chaichi, K. (2018). Investigating causes and consequences of purchase intention of luxury fash-ion. Management Science Letters, 8(12), 1259-1272.
Samadi, S. (2018). Theory of planned behavior and knowledge sharing among nurses in patient computer management system: The role of distributive justice. Management Science Letters, 8(5), 427-436.
Sanjeewa, W. S., & Hongbing, O. (2019). Consumers’ insurance literacy: Literature review, conceptual definition, and approach for a measurement instrument. European Journal of Business and Management, 11(26), 49–65. https://doi.org/10.7176/EJBM
Sarstedt, M., Ringle, C. M., Smith, D., Reams, R., & Hair, J. F. (2014). Partial least squares structural equation modeling (PLS-SEM): A useful tool for family business researchers. Journal of Family Business Strategy, 5(1), 105–115. https://doi.org/10.1016/j.jfbs.2014.01.002
Satsios, N., & Hadjidakis, S. (2018a). Applying the theory of planned behavior (TPB) in saving behavior of Pomak Housholds. International Journal of Financial Research, 9(2), 122–133.
Satsios, N., & Hadjidakis, S. (2018b). Applying the theory of planned behaviour ( TPB ) in saving behaviour of Pomak Households. International Journal of Financial Research, 9(2), 122–133. https://doi.org/10.5430/ijfr.v9n2p122
Secord, P. F., & Backman, C. W. (1965). Social Psychology. (A. Levine, Ed.), Social Forces (Vol. 44).
Sondari, M. C., & Sudarsono, R. (2015). Using theory of planned behavior in predicting intention to invest: Case of Indonesia. International Academic Research Journal of Business and Technology, 1(2), 137–141.
Supanantaroek, S., Lensink, R., & Hansen, N. (2016). The impact of social and financial education on savings attitudes and behavior among primary school children in Uganda. SAGE Journals, 41(6), 1–31.
Thung, C. M., Kai, C. ing, Nie, F. S., Chiun, L. W., & Tsen, T. C. (2012). Determinants of saving behaviour among the university students in Malaysia. Universiti Tunku Abdul Rahman, (May), 109. https://doi.org/10.1177/0022427810397948
Thung, C. M., KAI, C. Y., Nie, F. S., CHIUN, L. W., & Tsen, T. C. (2012). DETERMINANTS OF SAVING BEHAVIOUR AMONG THE UNIVERSITY STUDENTS IN MALAYSIA. Malaysia.
Warneryd, K.-E. (1989). On the psichology of saving: An essay on economic behavior. Journal of Economic Psychology, 10, 515–541.
Widyastuti, U., Suhud, U., & Sumiati, A. (2016). The impact of financial literacy on student teachers’ saving intention and saving behaviour. Mediterranean Journal of Social Sciences, 7(6), 41–48. https://doi.org/10.5901/mjss.2016.v7n6p41
World Bank. (2019). Gross Domestic Saving (% of GDP) Data. New York: The World Bank. Retrieved from https://data.worldbank.org/indicator/NY.GDS.TOTL.ZS
Zait, A., & Bertea, P. E. (2014). Financial literacy – conceptual definition and proposed approach for a measurement instrument. Journal Of Accountingc and Management, 4(3), 37–42.
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior And Human Decision Precesses, 50, 179–211.
Arifin, A. Z. (2018). Influence factors toward financial satisfaction with financial behavior as intervening variable on Jakarta area workforce. European Research Studies Journal, 21(1), 90–103.
Berkowitz, L. (1972). Frustrations , Comparisons , and Other Sources of Emotion Arousal as Contributors to Social Unrest. JOURNAL OF SOCIAL ISSUEAS, 28(1), 77–91.
BPS, (Indonesia Statistic Central Bureau). (2020). Berita Resmi Statistik: Profil Kemiskinan di Indonesia September 2019 (Official Statistics news: Poverty Profile in Indonesia September 2019) No. 08/01/Th. XXIII, January, 15, 2020. Jakarta: Biro Pusat Statistik.
Browning, M., & Lusardi, A. (1996). Household Saving: Micro Theories and Micro Facts. Journal of Economic Literature, 34(4), 1797–1855.
Calderone, M., Sadhu, S., Fiala, N., Sarr, L., & Mulaj, F. (2018). Financial Education and Savings Behavior: Evidence from a Randomized Experiment among Low-Income Clients of Branchless Banking In India. Economic Development and Cultural Change, 66(4), 793–825.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.
Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment a model of financial satisfaction predictor: Examaning the mediate of financial behavior and financial strain. Worls Applied Sciences Journal, 20(2), 190–197.
DOI: https://doi.org/10.5829/idois.wasj.2012.02.1832
Fiksenbaum, L., Marjanovic, Z., & Greenglass, E. (2017). Financial threat and individuals’ willingness to change financial behavior. Review of Behavioral Finance, 9(2). https://doi.org/10.1108/RBF-09-2016-0056
Furnham, A., & Tankel, M. P. G. (2015). Understanding savings , pensions and life assurance in 16 – 21-year-olds. Human Relation, 55(5), 603–628.
Gerhard, P., Gladstone, J. J., & Hoffmann, A. O. I. (2018a). Psychological characteristic and houshold savinga behavior: The importance of accounting for latent heterogeneity. Journal of Economic Behavior and Organization, 148, 66–82. https://doi.org/https://doi.org/10.1016/j.jebo.2018.02.013
Gerhard, P., Gladstone, J. J., & Hoffmann, A. O. I. (2018b). Psychological characteristics and household savings behavior : The importance of accounting for latent heterogeneity. Journal of Economic Behavior and Organization, 148, 66–82. https://doi.org/10.1016/j.jebo.2018.02.013
Gutter, M., & Copur, Z. (2011). Financial behaviors and financial well-being of college students: Evidence from a national survey. Journal Family and Economic, 32, 699–714. https://doi.org/10.1007/s10834-011-9255-2
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2014). PLS-SEM: Indeed a silver bullet. The Journal of Marketing Theory and Practice, 19(2), 139–152. https://doi.org/10.2753/MTP1069-6679190202
Harrod, R. F. (1939). An essay in dynamic theory. The Economic Journal, 49(193), 14–33.
Henager, R., & Mauldin, T. (2015). Financial literacy: The relationship to saving behavior in low-to moderate-income households. Family and Consumer Sciences Research Journal, 44(1), 73–87. https://doi.org/10.1111/fcsr.12120
Ismail, S., Kamis, R., Hashim, N., Harun, H., & Khairuddin, N. S. (2013). An empirical investigation on determinants of attitude towards saving behavior. In Procedia Economics and Finance (pp. 1–11). Elsevier Ltd. Retrieved from www.elsevier.com/located/procedia
Jamal, A. A. A., Ramlan, W. K., Karim, M. R. A., Mohidin, R., & Osman, Z. (2015). The effects of social influence and financial literacy on saving behavior : A study on students of higher learning institutions in Kota Kinabalu, Sabah. International Journal on Business and Social Science, 6(11), 110–119.
Kisaka, S. E. (2014a). The impact of attitudes towards saving, borrowing and investment on the capital accumulation process in Kenya: An Application of the Theory of Planned Behavior. Research Journal of Finance and Accounting, 5(9), 140–152.
Kisaka, S. E. (2014b). The impact of attitudes towards saving, borrowing and investment on the capital accumulation process in Kenya : An Application of the Theory of Planned Behavior. Research Journal of Finance and Accounting, 5(9), 140–151.
Lestari, D., Ferlina, A., & Trenggana, M. (2017). Pengaruh Literasi Keuangan Terhadap Minat Menabung (Studi Pada SMA Di Kota Bandung). Infirmatic, Science, Entreprneur, Applied Art, Research, Humanism, 16(2).
Magendans, J. (2014). The cost of self-protective measures : psychological predictors of saving money for a financial buffer. University of Twente. Retrieved from http://purl.utwente.nl/essays/65722
Mahdzan, N. S., & Tabiani, S. (2013). The impact of financial literacy on individual saving: An exploratory study in the Malaysian context. Transformations in Business & Economics, 12(1), 41–55.
Nidar, S. R., & Bestari, S. (2012). Personal financial literacy among university students (Case Study at Padjldjaran University Students, Bandung, Indonesia). Worid Journal of Social Sciences, 2(4), 162–171.
Presidential decree. (2016). PERPRES NO 82 2016 Tentang Strategi Nasional Keuangan Inklusif (Presidential Decree No. 82 Year 2016 concerning the National Strategy for Inclusive Finance) (pp. 1–43). Government of the Republic of Indonesia.
Raju, P. S., Lonial, S. C., & Mongial, W, G. (1995). Differential Effectts of Subjective Knowledge, Objective Knowledge, and Usage Experience on Decision Making: An Exploratory Investigation. Journal of Consumer Psychology, 4(2), 153–180.
Rodermund, R. H. (2012). Examining the savings habits of individuals with present fatalistic time perspectives using the theory of planned behavior. Retrieved from https://www.academyfinancial.org/resources/Documents/Proceedings/2012/F2-Rodermund.pdf
Sabri, M. F., & Juen, T. T. (2014). The influence of financial literacy, saving behaviour, and financial management on re-tirement confidence among women working in the Malaysian public sector. Asian Social Science, 10(14), 40.
Sabri, M., Razak, N., & Wijekoon, R. (2019). The mediation effect of intention in the pro-environmental workplace (PEW) behavior of Malaysian public employees. Management Science Letters, 9(10), 1567-1576.
Salem, S., & Chaichi, K. (2018). Investigating causes and consequences of purchase intention of luxury fash-ion. Management Science Letters, 8(12), 1259-1272.
Samadi, S. (2018). Theory of planned behavior and knowledge sharing among nurses in patient computer management system: The role of distributive justice. Management Science Letters, 8(5), 427-436.
Sanjeewa, W. S., & Hongbing, O. (2019). Consumers’ insurance literacy: Literature review, conceptual definition, and approach for a measurement instrument. European Journal of Business and Management, 11(26), 49–65. https://doi.org/10.7176/EJBM
Sarstedt, M., Ringle, C. M., Smith, D., Reams, R., & Hair, J. F. (2014). Partial least squares structural equation modeling (PLS-SEM): A useful tool for family business researchers. Journal of Family Business Strategy, 5(1), 105–115. https://doi.org/10.1016/j.jfbs.2014.01.002
Satsios, N., & Hadjidakis, S. (2018a). Applying the theory of planned behavior (TPB) in saving behavior of Pomak Housholds. International Journal of Financial Research, 9(2), 122–133.
Satsios, N., & Hadjidakis, S. (2018b). Applying the theory of planned behaviour ( TPB ) in saving behaviour of Pomak Households. International Journal of Financial Research, 9(2), 122–133. https://doi.org/10.5430/ijfr.v9n2p122
Secord, P. F., & Backman, C. W. (1965). Social Psychology. (A. Levine, Ed.), Social Forces (Vol. 44).
Sondari, M. C., & Sudarsono, R. (2015). Using theory of planned behavior in predicting intention to invest: Case of Indonesia. International Academic Research Journal of Business and Technology, 1(2), 137–141.
Supanantaroek, S., Lensink, R., & Hansen, N. (2016). The impact of social and financial education on savings attitudes and behavior among primary school children in Uganda. SAGE Journals, 41(6), 1–31.
Thung, C. M., Kai, C. ing, Nie, F. S., Chiun, L. W., & Tsen, T. C. (2012). Determinants of saving behaviour among the university students in Malaysia. Universiti Tunku Abdul Rahman, (May), 109. https://doi.org/10.1177/0022427810397948
Thung, C. M., KAI, C. Y., Nie, F. S., CHIUN, L. W., & Tsen, T. C. (2012). DETERMINANTS OF SAVING BEHAVIOUR AMONG THE UNIVERSITY STUDENTS IN MALAYSIA. Malaysia.
Warneryd, K.-E. (1989). On the psichology of saving: An essay on economic behavior. Journal of Economic Psychology, 10, 515–541.
Widyastuti, U., Suhud, U., & Sumiati, A. (2016). The impact of financial literacy on student teachers’ saving intention and saving behaviour. Mediterranean Journal of Social Sciences, 7(6), 41–48. https://doi.org/10.5901/mjss.2016.v7n6p41
World Bank. (2019). Gross Domestic Saving (% of GDP) Data. New York: The World Bank. Retrieved from https://data.worldbank.org/indicator/NY.GDS.TOTL.ZS
Zait, A., & Bertea, P. E. (2014). Financial literacy – conceptual definition and proposed approach for a measurement instrument. Journal Of Accountingc and Management, 4(3), 37–42.