PENGARUH LITERASI KEUANGAN, POLA PENGELUARAN, PENGENDALIAN DIRI, SIKAP TERHADAP RISIKO, PERILAKU MENABUNG DAN SOSIALISASI KEUANGANKELUARGA TERHADAP KESADARAN BERINVESTASI (STUDI PADA KARYAWAN SEKTOR PERBANKAN PADA BANK SMBC INDONESIA DI JAKARTA BARAT)
Keywords:
live streaming, social presence, interactivity, attractiveness, expertise, flow, continuous watching intention, purchase intention, immediate buying behaviorAbstract
This study aims to analyze the influence of financial literacy, spending patterns, self-control, risk attitude, saving behavior, and family financial socialization on investment awareness. The study focuses on employees in the banking sector, specifically at Bank SMBC Indonesia located in South Jakarta. Hypothesis testing was conducted using the Partial Least Squares (PLS) method with the SmartPLS 4.0 software. Data collection was carried out through a questionnaire distributed via Google Forms to gather responses from participants. The results of the study indicate that financial literacy has a positive and significant effect on investment awareness. Spending patterns also have a positive and significant effect on investment awareness. Self-control shows a positive but not significant effect on investment awareness. Risk attitude has a positive and significant effect on investment awareness. Saving behavior demonstrates a positive and significant effect on investment awareness, while family financial socialization exhibits a positive but not significant effect on investment awareness.
References
Arridha, R. (2020). Convenience Sampling. https://www.academia.edu/41853012/Convenience_Sampling. Diakses pada 25 September 2025.
Barker, V. (2015). Investigating Antecedents to the Experience of Flow and Reported Learning Among Social Networking Site Users. Journal of Broadcasting and Electronic Media, 59(4), 679–697. https://doi.org/10.1080/08838151.2015.1093481
Chen, B., & Lee, C. (2021). Enhancing Interactivity on Social Media Platforms: A User- Centric Approach. International Journal of Human-Computer Interaction, 34(3), 321- 335.
Chen, Hao, Chen, Haitao, Tian, X. (2022). The dual-process model of product information and habit in influencing consumers’ purchase intention: the role of live streaming features. Electron. Commer. Res. Appl. 53, 101150. https://doi.org/10.1016/j.elerap.2022.101150.
Chen, W., & Wang, P. (2023). The influences of the characteristics of opinion leaders on consumer purchase intention in a mobile e commerce webcast context. International Journal of Networking and Virtual Organisations, 28(1), 1. https://doi.org/10.1504/ijnvo.2023.10055382
Chen, Y., Sidek, S. Bin, Rahman, A. B. A., Ali, N. A., Hu, J., Tang, H., & Wen, S. (2024). Does Live Streaming Influencers’ Popularity Really Affect Consumer Purchase Intention in China? The Moderating Role of Product Information Quality. Przestrzen Spoleczna, 24(1), 229–256.
Choi, E. Y. (2022). The Mediating Role of Interaction Between Watching Motivation and Flow of Sports Broadcasting in Multi-Channel Network. SAGE Open, 12(1), 1–11. https://doi.org/10.1177/21582440211068513
Databoks.co.id. (2022). Tiktok, Aplikasi yang Paling Banyak Diunduh di Indonesia pada 2021. https://databoks.katadata.co.id/teknologi-telekomunikasi/statistik/8e973431496e2e0/tiktok-aplikasi-yang-paling-banyak-diunduh-pada-2021 Diakses pada 25 September 2024.
Databoks.co.id. (2024). Tiktok, Aplikasi yang Paling Banyak Diunduh di Indonesia pada 2023. https://databoks.katadata.co.id/teknologi-telekomunikasi/statistik/5b44b118b594168/tiktok-aplikasi-yang-paling-banyak-diunduh-di-indonesia-pada-2023 Diakses pada 25 September 2024.
Garcia, E., & Rodriguez, M. (2021). Predicting Purchase Intention on E-commerce Websites: The Role of User Experience and Perceived Value. International Journal of Electronic Commerce, 25(3), 321-335.
Guo, Y., Zhang, K., Wang, C. (2022). Way to success: understanding top streamer’s popularity and influence from the perspective of source characteristics. J. Retailing Consum. Serv. 64, 102786 https://doi.org/10.1016/j.jretconser.2021.102786.
Hou, F., Guan, Z., Li, B., & Chong, A. Y. L. (2020). Factors influencing people’s continuous watching intention and consumption intention in live streaming: Evidence from China. Internet Research, 30(1), 141–163. https://doi.org/10.1108/INTR-04-2018-0177
Hu, M., Zhang, M., Wang, Y. (2017). Why do audiences choose to keep watching on live video streaming platforms? An explanation of dual identification framework. Comput.Hum. Behav. 75, 594–606. https://doi.org/10.1016/j.chb.2017.06.006.
Hung, H. K., Yapp, E. H. ., & Puasa, S. (2022). Factors Influencing Impulsive Buying in Live Streaming: A Conceptual Framework. Global Business and Management Research: An International Journal, 14(3s), 90–99.
Husna, F. (2023). Peran Affiliator dalam Menarik Minat Belanja Konsumen. Seminar Nasional Pariwisata dan Kewirausahaan (SNPK), 2, 299-306.
Iprice.co.id. (2021). Laporan Highlight Belanja Online Indonesia Tahun 2021. https://iprice.co.id/trend/insights/laporan-highlight-belanja-online-indonesia-tahun-2021/ Diakses pada 25 September 2024.
Irwan., & Adam, K. (2015). Metode Partial Least Square (PLS) dan Terapannya (Studi Kasus: Analisis Kepuasan Pelanggan terhadap Layanan PDAM Unit Camming Kab. Bone). Jurnal Teknosains, 9(1), 53-68.
Irwanto., & Hariatiningsih, L.R. (2020). Penggunaan Skincare Dan Penerapan konsep Beauty 4.0 Pada Media Sosial (Studi Netnografi Wanita Pengguna Instagram). Journal Komunikasi, 11(2), 119-128. https://10.31294/jkom
Johnson, R., & Williams, D. (2022). The Role of Attractiveness in Influencing Online Engagement: A Meta-Analysis. Journal of Online Marketing, 8(1), 112-127.
Kontan.co.id. (2023). Nilai Belanja Masyarakat Meroket pada Akhir Tahun 2023. https://nasional.kontan.co.id/news/nilai-belanja-masyarakat-meroket-pada-akhir-tahun-2023 Diakses pada 25 September 2024.
Kumar, S., & Gupta, M. (2020). Building Expertise in Online Communities: A Longitudinal Study. Journal of Information Science, 45(4), 567-581.
KumparanTech.com. (2022). Survei: 45% Masyarakat Indonesia Doyan Belanja di TikTok Shop. https://kumparan.com/kumparantech/survei-45-masyarakat-indonesia-doyan-belanja-di-tiktok-shop-1yuKNSdzT2z/1. Diakses pada 25 September 2024.
Lee, J., & Kim, Y. (2024). Exploring Flow Experience in Social Media Usage: A Mixed- Methods Approach. Journal Computers in Human Behavior, 98, 231-245.
Lv, X., Zhang, R., Su, Y., & Yang, Y. (2022). Exploring how live streaming affects immediate buying behavior and continuous watching intention: A multigroup analysis. Journal of Travel & Tourism Marketing, 39(1), 109-135. https://doi.org/10.1080/10548408.2022.2052227
Marlien, R. A., Putri, C., Basiya, R., & Suteja, B. (2021). Analysis of Factors Affecting Consumer’s Purchase Intention Impact on Customer Behavior Outcomes. Proceedings of the 3rd International Conference on Banking, Accounting, Management and Economics (ICOBAME 2020), 169(Icobame 2020), 430–434. https://doi.org/10.2991/aebmr.k.210311.086
Meng, L., Zhao, Y., Jiang, Y., Bie, Y., & Li, J. (2022). Understanding interaction rituals: The impact of interaction ritual chains of the live broadcast on people’s wellbeing. Frontiers in Psychology, 13(October), 1–13. https://doi.org/10.3389/fpsyg.2022.1041059
Martinez, G., & Lopez, R. (2020). Immediate Buying Behavior in Online Marketplaces: A Comparative Analysis of Product Presentation Formats. Journal of Consumer Behavior, 12(4), 567-581.
Peña-García, N., Gil-Saura, I., Rodríguez-Orejuela, A., & Siqueira-Junior, J. R. (2020). Purchase intention and purchase behavior online: A cross-cultural approach. Heliyon, 6(6). https://doi.org/10.1016/j.heliyon.2020.e04284
Sawarsa, B. W., Riza, F., & Salim, S. J. (2023). Social Presence in Live Streaming: A Catalyst for Impulsive Purchases. Dinasti International Journal of Digital Business and Management (DIJDBM), 5(1), 41–54. https://dinastipub.org/https://creativecommons.org/licenses/by/4.0/
Sekaran, U., & Bougie, R. (2017). Metode Penelitian untuk Bisnis (Edisi Buku 1). Jakarta : Salemba Empat.
Seyun, K. (2021). The Effects of E-sports Broadcasting Commentator’s Attributes on Broadcasting Attitude and Continuous Viewing Intention. The International Journal of Advanced Smart Convergence, 10(1), 209–215.
Smith, A. (2023). Understanding Social Presence in Online Environments. Journal of Digital Communication, 15 (2), 45-58.
Suara.com. (2023). dr.Richard, Mami Louisse dan Kohcun Sukses Dulang Rekor Penjualan di TikTok Shop, Berikut Tipsnya!. https://www.suara.com/news/2023/09/03/135453/drrichard-mami-louisse-dan-kohcun-sukses-dulang-rekor-penjualan-di-tiktok-shop-berikut-tipsnya Diakses pada 25 September 2024.
Sun, Y., Shao, X., Li, X., Guo, Y., Nie, K. (2019). How live streaming influences purchase intentions in social commerce: an IT affordance perspective. Electron. Commer. Res. Appl. 37, 100886 https://doi.org/10.1016/j.elerap.2019.100886.
Wang, L., & Liu, H. (2023). Understanding Continuous Watching Intention in Online Video Platforms: A Structural Equation Modeling Approach. Journal of Interactive Advertising, 17(2), 176-191.
Yang, H., Lee, H. (2018). Exploring user acceptance of streaming media devices: an extended perspective of flow theory. Inf. Syst. E-Bus Manage 16, 1–27. https://doi. org/10.1007/s10257-017-0339-x.
Yi, Q., Khan, J., Su, Y., Tong, J., & Zhao, S. (2023). Impulse buying tendency in live-stream commerce: The role of viewing frequency and anticipated emotions influencing scarcity-induced purchase decision. Journal of Retailing and Consumer Services, 75(July). https://doi.org/10.1016/j.jretconser.2023.103534
Zheng, S., Chen, J., Liao, J., & Hu, H.L. (2023). What motivates users’ viewing and purchasing behavior motivations in live streaming: A stream-streamer-viewer perspective. Journal of Retailing and Consumer Services, 72. https://doi.org/10.1016/j.jretconser.2022.103240
Published
Issue
Section
Abstract Views: 10
