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All Journal Ilomata International Journal of Management Moneter : Jurnal Keuangan dan Perbankan
Fatra Syahlan
Universitas Pendidikan Indonesia
Computer Science & IT Economics, Econometrics & Finance Social Sciences

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Savings and Investment Patterns of Indonesian Society: An Analysis of Household Financial Behavior Fatra Syahlan
Ilomata International Journal of Management Vol 4 No 4 (2023): October 2023
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijjm.v4i4.936

Abstract

The purpose of this study is to provide a comprehensive picture of financial behaviors in this dynamic socioeconomic context by examining the saving and investment habits of Indonesian households. Using a mixed-methods approach, the study combines quantitative survey data with qualitative material obtained through in-depth interviews. The demographic profile of the sample demonstrates a broad range of representation in terms of age groups, income levels, levels of education attained, and employment circumstances. Quantitative analyses reveal that a significant portion of participants save on a regular basis, with a variety of investment portfolios and savings vehicles that they prefer. Relationships between socioeconomic factors, such as education level and income, provide crucial information about what motivates people to make financial decisions. The findings demonstrate the important roles that behavioral variables, cultural influences, and risk perceptions all have in shaping household financial decisions. The study's conclusions, which highlight the need of targeted financial education programs and culturally sensitive interventions, can be helpful to policymakers, financial institutions, and educators alike. Overall, this study broadens our knowledge of household financial behavior and offers data that Indonesia can utilize to create policies that promote economic empowerment and financial resilience.
Connectivism: Developing Superior Human Resources with Entrepreneurial Character in the Financial and Banking Sector Danang Kusnanto Kusnanto; Fatra Syahlan; Engga Jalaludin; Neti Budiwati
Moneter: Jurnal Keuangan dan Perbankan Vol. 12 No. 2 (2024)
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The rapid advancements in digital innovation pose significant challenges for human resources practitioners in the financial and banking sectors. Connectivism, a learning theory that emphasizes networks and technology, provides a framework for developing entrepreneurial characteristics in human resources. The demand for adaptive, innovative, and entrepreneurial human resources capabilities is increasingly urgent to navigate the dynamic and competitive business environment. This study aims to assess the impact of connectivism on human resources performance, identify effective implementation strategies, and evaluate the enhancement of organizational competitiveness. The research employs a comprehensive literature review methodology, utilizing qualitative analysis from various academic sources. Findings indicate that connectivism enhances human resources performance by fostering continuous learning, broader knowledge access, and the development of adaptive skills. Additionally, connectivism promotes entrepreneurial characteristics such as innovation, creativity, and risk-taking. Challenges such as resistance to change and the need for significant investment in technology must be addressed. In conclusion, integrating connectivism into human resources development strategies not only improves individual employee effectiveness but also strengthens the organization's competitive position in the rapidly evolving market. Thus, connectivism offers a relevant and effective approach to addressing the challenges faced by human resources in the financial and banking sectors in the current digital era. By leveraging networked learning and technological integration, organizations can better prepare their workforce to meet the demands of an increasingly interconnected and fast-paced business landscape, ensuring sustained growth and innovation.
Co-Authors Danang Kusnanto Kusnanto Engga Jalaludin Neti Budiwati