PENGARUH PERSEPSI RISIKO, EMOSI, DAN ORIENTASI MENABUNG, TERHADAP KECENDERUNGAN BERHUTANG:ADAKAH MODERASI JUMLAH TANGGUNGAN?

Arlianti Agil Susilowati; Lutfi Lutfi

doi:10.29303/distribusi.v12i1.450

Authors

Arlianti Agil Susilowati Universitas Hayam Wuruk Perbanas Surabaya
Lutfi Lutfi Universitas Hayam Wuruk Perbanas Surabaya

DOI:

https://doi.org/10.29303/distribusi.v12i1.450

Keywords:

Kecenderungan Berhutang, Jumlah Tanggungan, Persepsi Risiko, Emosi, Orientasi Menabung

Abstract

Perilaku berhutang seolah telah menjadi sesuatu yang umum bagi banyak masyarakat di Indonesia saat ini, terutama dengan tersedianya pinjaman berbasis teknologi. Penelitian ini bertujuan untuk menguji penentu kecenderungan berhutang yang mencakup persepsi risiko, emosi, orientasi menabung, dan jumlah tanggungan. Selain itu, penelitian ini juga mengkaji apakah jumlah tanggungan dapat memoderasi pengaruh orientasi menabung terhadap kecenderungan berhutang. Sampel penelitian 137 responden yang tinggal di kota metropolitan DKI Jakarta dan sekitarnya serta Surabaya dan sekitarnya. Teknik analisis untuk pengujian hipotesis dilakukan menggunakan Partial Least Squares (PLS) dengan software SMART-PLS. Hasil penelitian membuktikan emosi, persepsi risiko, dan jumlah tanggungan berpengaruh secara negatif signifikan pada kecenderungan berhutang, sedangkan orientasi menabung tidak berpengaruh signifikan terhadap kecenderungan berhutang. Penelitian ini tidak memperoleh bukti memadai terkait pengaruh moderasi jumlah tanggungan. Implikasi dari penelitian ini adalah bahwa individu perlu untuk menghindari perilaku yang terlalu memandang rendah risiko dari suatu keputusan keuangan dan memiliki rasa malu ketika banyak berhutang agar terhindar dari kebiasaan berhutang yang dapat menyebabkan permasalahan keuangan.

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