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Determinants of the Entrepreneurial Intention of Private Sector Employees in the Age of Disruption: The Role of Saving Behavior as a Mediating Variable

Jurnal Dinamika Manajemen · Vol. 17 No. 1 (2026) · hlm. 182–201

DOI
10.15294/jdm.v17i1.41176
ISSN
2337-5434
Terbit
2026-03-01
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

This study aims to examine the determinants of entrepreneurial intention among employees in private companies in Indonesia by integrating financial and psychological factors through a mediating mechanism. Data were collected through a survey with 209 valid responses and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that financial literacy and financial efficacy significantly influence entrepreneurial intention, both directly and indirectly through saving behavior. In contrast, perceived job insecurity does not have a significant effect on entrepreneurial intention. Saving behavior is found to play a crucial role as it not only directly affects entrepreneurial intention but also mediates the relationship between financial literacy and financial efficacy with entrepreneurial intention. However, saving behavior does not mediate the relationship between perceived job insecurity and entrepreneurial intention. These findings highlight the importance of financial capability factors over psychological job-related concerns in fostering entrepreneurial intention among employees.

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jdm/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Determinants of the Entrepreneurial Intention of Private Sector Employees in the Age of Disruption: The Role of Saving Behavior as a Mediating Variable</dc:title>
	<dc:creator xml:lang="en">Prasetyo, Gaguk Tri</dc:creator>
	<dc:creator xml:lang="en">Hakim, Muhammad M.</dc:creator>
	<dc:creator xml:lang="en">Setiawan, Joko</dc:creator>
	<dc:subject xml:lang="en">Entrepreneurial Intention</dc:subject>
	<dc:subject xml:lang="en">Financial Efficacy</dc:subject>
	<dc:subject xml:lang="en">Financial  Literacy</dc:subject>
	<dc:subject xml:lang="en">Perceived of Job  Insecurity</dc:subject>
	<dc:subject xml:lang="en"> Saving Behavior </dc:subject>
	<dc:description xml:lang="en">This study aims to examine the determinants of entrepreneurial intention among employees in private companies in Indonesia by integrating financial and psychological factors through a mediating mechanism. Data were collected through a survey with 209 valid responses and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that financial literacy and financial efficacy significantly influence entrepreneurial intention, both directly and indirectly through saving behavior. In contrast, perceived job insecurity does not have a significant effect on entrepreneurial intention. Saving behavior is found to play a crucial role as it not only directly affects  entrepreneurial intention but also mediates the relationship between financial literacy and financial efficacy with entrepreneurial intention. However, saving behavior does not mediate the relationship between perceived job insecurity and entrepreneurial intention. These findings highlight the importance of financial capability factors over psychological job-related concerns in fostering entrepreneurial intention among employees.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2026-03-01</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">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jdm/article/view/41176</dc:identifier>
	<dc:identifier>10.15294/jdm.v17i1.41176</dc:identifier>
	<dc:source xml:lang="en">Jurnal Dinamika Manajemen; Vol. 17 No. 1 (2026): March; 182-201</dc:source>
	<dc:source>2337-5434</dc:source>
	<dc:source>10.15294/jdm.v17i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jdm/article/view/41176/9488</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Jurnal Dinamika Manajemen</dc:rights>
</oai_dc:dc>