Cindy Leony Puspitasari, Rahman Amrullah Suwaidi

Analisis Perilaku Menabung Masyarakat di Kota Surabaya

Introduction

Analisis perilaku menabung masyarakat di kota surabaya. Analisis perilaku menabung masyarakat Surabaya. Temukan bagaimana sikap finansial, gaya hidup, dan kontrol diri memengaruhi kebiasaan menabung warga kota ini. Studi kuantitatif PLS.

Abstract

Saving is a strategic endeavor to enhance an individual's future financial stability. When individuals develop an awareness of the importance of saving, they will be better equipped to allocate their resources more wisely, leading to sustainable financial benefits over time. This study investigates the influence of financial attitudes, lifestyle choices, and self-control on the saving behavior of residents in Surabaya City. Using a quantitative design, this study utilizes a Likert scale to assess these variables. Data was collected through simple random sampling method, resulting in 180 participants. Hypothesis testing was conducted using the Partial Least Squares (PLS) approach with the help of SmartPLS software. The findings of the study explain that financial attitudes, lifestyle, and self-control contribute to shaping savings behavior in individuals living in Surabaya

Review

This paper, titled "Analisis Perilaku Menabung Masyarakat di Kota Surabaya," addresses the crucial topic of saving behavior, emphasizing its role in individual financial stability and wise resource allocation. The study's primary objective is to investigate the influence of financial attitudes, lifestyle choices, and self-control on the saving habits of residents in Surabaya City. This research is highly relevant, as understanding the drivers of saving behavior can significantly contribute to promoting long-term financial well-being and more sustainable resource management within a specific urban context. From a methodological perspective, the abstract clearly outlines a sound quantitative design employing a Likert scale for variable assessment. The use of simple random sampling to recruit 180 participants provides a reasonable sample size for inferential analysis, and the application of Partial Least Squares (PLS) with SmartPLS software is an appropriate technique for testing the hypothesized relationships in this type of social science research. The abstract's concise reporting of findings, indicating that financial attitudes, lifestyle, and self-control indeed contribute to shaping savings behavior, offers a clear conclusion regarding the study's main objective. While the abstract provides a solid overview, it leaves certain aspects open for deeper exploration within the full manuscript. For instance, it would be beneficial to understand the specific theoretical framework guiding the selection of these independent variables and how they interrelate beyond simply 'contributing' to saving behavior. The abstract also does not hint at the magnitude or direction (positive/negative) of these influences, which would be crucial for practical application. Furthermore, expanding on the practical implications of these findings for policymakers or financial educators in Surabaya, and suggesting avenues for future research to broaden the generalizability or delve into other influencing factors, would significantly enhance the paper's overall impact and contribution.

Full Text

Comments

You need to be logged in to post a comment.