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PENGARUH EMOSI, MATERIALISME, LITERASI KEUANGAN, PERSEPSI RISIKO DAN PENGALAMAN KEUANGAN TERHADAP PROPENSITY TO INDEBTEDNESS (STUDI PADA NASABAH KREDIT PLUS KENDARI)

Jurnal Manajemen, Bisnis dan Organisasi (JUMBO) · Vol. 4 No. 3 (2021) · pp. 31–42

DOI
10.33772/jumbo.v4i3.16357
ISSN
2502-4175
Published
2021-02-02
Publisher
Pascasarjana Universitas Halu Oleo
Language
eng

Abstract

The research was conducted with the aim of analyzing the influence of emotions, materialism, financial literacy, risk perception and financial experience on propensity to indebtedness. Primary data was obtained through distributing 100 questionnaires to Kredit Plus Kendari customers then processed with the SPSS 25.0 software application. The results of the research that have been done state that there is an effect of emotion, financial literacy and experience on propensity to indebtedness which has a negative significant effect, the effect of materialism on propensity to indebtedness has a positive significant effect, while the risk perception of propensity to indebtedness has no significant effect.

Keywords

Collaboration network of the authors

40 authors · 189 co-authorship links · 1 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universiti Teknologi MARA
  • Universitas Muhammadiyah Kendari
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Ibnu HajarUniversiti Teknologi MARA7
Riski Amalia MadiAffiliation unknown6
Salma SalehAffiliation unknown6
Nurwati NurwatiAffiliation unknown4
Juharsah JuharsahAffiliation unknown4
Nuryamin BudiAffiliation unknown3
Hartini HartiniAffiliation unknown3
Samdin SamdinAffiliation unknown3
Sujono SujonoAffiliation unknown2
Zaluddin ZaluddinAffiliation unknown2
Yusuf YusufUniversitas Muhammadiyah Kendari2
Nursaban Rommy SulemanAffiliation unknown2
La Ode Bahana AdamAffiliation unknown2
La HataniAffiliation unknown2
La Ode Asfahyadin AliddinAffiliation unknown2
Putu SumarniwatiAffiliation unknown2
Unika Oktaviani DamauAffiliation unknown2
Aninda Adelia Anugrah AlamsyahAffiliation unknown2
Endro SukotjoAffiliation unknown2
Norma WatiAffiliation unknown2
Salni SulasriAffiliation unknown2
Farhan Ramdhani IstianandarAffiliation unknown2
Alida PalilatiAffiliation unknown2
Nursaban RommyAffiliation unknown2
Hayat YusufAffiliation unknown2
Muh. Akbar MuktadirunAffiliation unknown1
Krisna KrisnaAffiliation unknown1
Rachmat Riyaldi HasanAffiliation unknown1
Sri Wiyati MahraniAffiliation unknown1
Sri Nur FatimahAffiliation unknown1
Abdul Razak YusufAffiliation unknown1
Masra MasraAffiliation unknown1
Muhammad Farhan Fauzan KasimAffiliation unknown1
Titin Tri EgoAffiliation unknown1
Dedy T akdir SAffiliation unknown1
Zaludin ZaludinAffiliation unknown1
Dedy Samsul ArifinAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ojs.uho.ac.id/index.php/JUMBO/oai, first harvested 31 Okt 2026, last seen 31 Okt 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">PENGARUH EMOSI, MATERIALISME, LITERASI KEUANGAN, PERSEPSI RISIKO DAN PENGALAMAN KEUANGAN TERHADAP PROPENSITY TO INDEBTEDNESS (STUDI PADA NASABAH KREDIT PLUS KENDARI)</dc:title>
	<dc:creator>Patulak, Lucia Evianti</dc:creator>
	<dc:creator>Sarita, Buyung</dc:creator>
	<dc:creator>Hamid, Wahyuniati</dc:creator>
	<dc:subject xml:lang="en-US">emotions, materialism, financial literacy, risk perception, financial experience, propensity to indebtedness</dc:subject>
	<dc:description xml:lang="en-US">The research was conducted with the aim of analyzing the influence of emotions, materialism, financial literacy, risk perception and financial experience on propensity to indebtedness. Primary data was obtained through distributing 100 questionnaires to Kredit Plus Kendari customers then processed with the SPSS 25.0 software application. The results of the research that have been done state that there is an effect of emotion, financial literacy and experience on propensity to indebtedness which has a negative significant effect, the effect of materialism on propensity to indebtedness has a positive significant effect, while the risk perception of propensity to indebtedness has no significant effect.</dc:description>
	<dc:publisher xml:lang="en-US">Pascasarjana Universitas Halu Oleo</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2021-02-02</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ojs.uho.ac.id/index.php/JUMBO/article/view/16357</dc:identifier>
	<dc:identifier>10.33772/jumbo.v4i3.16357</dc:identifier>
	<dc:source xml:lang="en-US">Jurnal Manajemen, Bisnis dan Organisasi (JUMBO); Vol 4, No 3 (2020): Jurnal Jumbo Vol. 4 No. 3; 31-42</dc:source>
	<dc:source>2502-4175</dc:source>
	<dc:source>10.33772/jumbo.v4i3</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ojs.uho.ac.id/index.php/JUMBO/article/view/16357/pdf</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 Jurnal Manajemen, Bisnis dan Organisasi (JUMBO)</dc:rights>
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