The Influence Of Financial Literacy And Lifestyle On Decisions To Take Credit At PT. BPR Hasamitra Makassar
Abstract
This research was conducted with the aim of knowing whether the effect of financial literacy and lifestyle on credit-taking decisions and whether financial literacy and lifestyle simultaneously influence PT. BPR Hasamitra Makassar by using a quantitative research model. The sample used in this study was 50 respondents using the data analysis method. The r-square test is the coefficient of determination in endogenous constructs, F-square in statistics is a statistical testing method used to compare several population averages simultaneously (simultaneous, Path coefficient The Path Coefficient is used to show how strong the effect or influence of the independent variable is on the dependent variable and the T test One of the statistical tests used to test the truth or falsity of the hypothesis which states that between two mean samples taken randomly from the same population, there is no difference which is significant. From the results of the research conducted on the effect of financial literacy and lifestyle on credit decision making at PT. BPR Hasamitra Makassar, the results obtained from the analysis carried out are the results of the hypothesis test showing that financial literacy and lifestyle have an influence on the decision to take credit. Financial Literacy has an influence on debtor's borrowing decisions, Lifestyle has an influence on debtor's borrowing decisions. Financial literacy and lifestyle have a simultaneous influence on the decision to take credit.
Keywords: Literacy, finance, lifestyle, decisions, taking credit.
References
Amika Sapan & Yohanis Tasik Allo. (2022). APPLICATION OF CUSTOMER LAPTOP LOAN INSTALLMENTS BASED ON THE EFFECTIVE AND FIXED INTEREST RATE METHOD. Jurnal Cakrawala Ilmiah, 1(10), 2679–2694.
Arikunto suharsimi. (2006). Metodologi Penelitian. 50.
Ghozali, & Latan. (2015). Partial Least Squares, Konsep Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0 (2nd ed., Vol. 1). Badan Penerbit Universitas Diponegoro.
Ginting, M., Topowijono, T., & Sulasmiyati, S. (2016). PENGARUH TINGKAT SUKU BUNGA, NILAI TUKAR DAN INFLASI TERHADAP HARGA SAHAM (Studi Pada Sub-Sektor Perbankan Di Bursa Efek Indonesia Periode 2011-2015). Jurnal Administrasi Bisnis S1 Universitas Brawijaya, 35(2), 77–85.
Halik, J. B., Halik, M. Y., Latiep, I. F., Irdawati, & Elsa Balaba. (2023). PENGARUH LITERASI KEUANGAN, GAYA HIDUP, UANG SAKU MAHASISWA DALAM PENGELOLAAN KEUANGAN PRIBADI PADA MAHASISWA UNIVERSITAS KRISTEN INDONESIA PAULUS MAKASSAR. Accounting Profession Journal (APAJI), 5(1), 51 - 67.
HALIK, J. B., PARAWANSA, D. A. S., SUDIRMAN, I., & JUSNI, J. (2023). Implications of IT Awareness and Digital Marketing to Product Distribution on the Performance of Makassar SMEs. Journal of Distribution Science, 21(7), 105–116. https://doi.org/10.15722/JDS.21.07.202307.105
Safura Azizah, N. (2020). Pengaruh Literasi Keuangan, Gaya Hidup Pada Perilaku Keuangan Pada Generasi Milenial. Prisma (Platform Riset Mahasiswa Akuntansi), 01(02), 92–101.
Widayati, R., & Herman, U. (2019). Penyelesaian Kredit Bermasalah pada PT. Bank Perkreditan Rakyat (BPR) Nagari Kasang. OSF Preprint, 1–14.
DOI: https://doi.org/10.37531/jebm.v1i2.45
Refbacks
- There are currently no refbacks.
Copyright (c) 2023 Journal of Entrepreneur, Business and Management
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
| Journal of Entrepreneur, Business and Management |
| Journal of Entrepreneur, Business and Management (jebm), with registered number ISSN 2987-5331 (Online), is published by Entrepreneurship Undergraduate Program at Amkop Business School (STIE Amkop). The content of this website is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License |
Journal of Entrepreneur, Business and Management
