Pengaruh Behavioral Finance terhadap Keputusan Penggunaan Hutang Pada Usaha Mikro dan Kecil di Kota Padang

Authors

  • Claudia Putri Ananda Department of Management, Padang State University, Indonesia
  • Rosyeni Rasyid Department of Management, Padang State University, Indonesia

Keywords:

Keputusan Hutang, Behavioral Finance, Overconfidence, Availability, Illusion Of Control, Excessive Optimism

Abstract

Studi ini bertujuan untuk menganalisis bagaimana keputusan berutang yang dibuat oleh usaha mikro dan kecil di Kota Padang dipengaruhi oleh perilaku keuangan. Studi ini memfokuskan pada usaha mikro dan kecil (UMK) di Kota Padang. Teknik purposive sampling juga digunakan untuk menemukan kelompok penelitian yang menghasilkan 108 sampel. Data awal penelitian berasal dari kuesioner online dan offline. Selama proses analisis data, alat analisis SmartPLS. Hasil analisis data menunjukkan bahwa (1) Overconfidence tidak berpengaruh terhadap Keputusan Hutang, (2) Availability tidak berpengaruh terhadap Keputusan Hutang, (3) Illusion of control tidak berpengaruh terhadap Keputusan Hutang, dan (4) Excessive Optimism tidak berpengaruh terhadap Keputusan Hutang.

 

Downloads

Published

17-11-2024

How to Cite

Ananda, C. P., & Rasyid, R. (2024). Pengaruh Behavioral Finance terhadap Keputusan Penggunaan Hutang Pada Usaha Mikro dan Kecil di Kota Padang. Jurnal Pendidikan Tambusai, 8(3), 44535–44542. Retrieved from http://jptam.org/index.php/jptam/article/view/21079

Issue

Vol. 8 No. 3 (2024)

Section

Articles of Research

Citation Check

License

Copyright (c) 2024 Claudia Putri Ananda

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  • Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
  • Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  • Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).