Herispon, Herispon and Husni, Tafdil and Elfindri, Elfindri and Rivai, Harif Amali (2019) The Effect of Bank Behavior, Financial Literacy on Financial Inclusion and Debt Behavior In Household Consumption. In: International Conference on Social Sciences, Humanities, Economics and Law (ICONSHEL), September 2018, Padang, Indonesia.
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Abstract
This research analyzes the influence of Bank Behavior, Financial Literacy on Financial Inclusion, Debt Behavior in Household Consumption. Using a purposive sampling method with 303 households. Data analysis and hypothesis test used in this research are SEM-WarpPLS, hence from this study, we found that banking behavior has significant influence to financial inclusion, a significant influence on debt behavior, and has a significant effect on household consumption. Also found simultaneous influence is R2 of 0.18 in financial inclusion, meaning financial inclusion can be explained by the banking behavior and financial literacy of 18%. R2 of 0.43 in debt behavior, meaning that debt behavior can be explained by banking behavior, financial literacy and financial inclusion by 43%. R2 is 0.14 in household consumption, meaning that household consumption can be explained by banking behavior, financial literacy, financial inclusion and debt behavior of 14%.
| Item Type: | Conference or Workshop Item (Paper) |
|---|---|
| Uncontrolled Keywords: | Banking Behavior, Know Your Customer, Debt Behavior |
| Subjects: | H Social Sciences > H Social Sciences (General) |
| Divisions: | Sekolah Tinggi Ilmu Ekonomi RIau > D3 Keuangan dan Perbankan |
| Depositing User: | Herispon Herispon |
| Date Deposited: | 05 Jun 2023 03:23 |
| Last Modified: | 05 Jun 2023 03:23 |
| URI: | http://repository.stieriau-akbar.ac.id/id/eprint/54 |
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The Effect of Bank Behavior, Financial Literacy on Financial Inclusion and Debt Behavior In Household Consumption. (deposited 08 Apr 2023 05:12)
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