Proceedings of the first International Conference on Social Sciences, Humanities, Economics and Law, September 5-6 2018, Padang, Indonesia

Research Article

The Effect of Bank Behavior, Financial Literacy on Financial Inclusion and Debt Behavior In Household Consumption

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  • @INPROCEEDINGS{10.4108/eai.5-9-2018.2281280,
        author={Herispon Herispon},
        title={The Effect of Bank Behavior, Financial Literacy on Financial Inclusion and Debt Behavior In Household Consumption},
        proceedings={Proceedings of the first International Conference on Social Sciences, Humanities, Economics and Law, September 5-6 2018, Padang, Indonesia},
        publisher={EAI},
        proceedings_a={ICONSHEL},
        year={2019},
        month={3},
        keywords={banking behavior know your customer debt behavior},
        doi={10.4108/eai.5-9-2018.2281280}
    }
    
  • Herispon Herispon
    Year: 2019
    The Effect of Bank Behavior, Financial Literacy on Financial Inclusion and Debt Behavior In Household Consumption
    ICONSHEL
    EAI
    DOI: 10.4108/eai.5-9-2018.2281280
Herispon Herispon1,*
  • 1: Academy of Finance and Banking Riau (AKBAR), Pekanbaru, Indonesia
*Contact email: herisponpiliang@gmail.com

Abstract

This research analyzes the influence of Bank Behavior, Financial Literacy on Financial Inclusion, Debt Behavior in Household Consumption. Using a purposive sampling method with 303 households. Data analysis and hypothesis test used in this research are SEM-WarpPLS, hence from this study, we found that banking behavior has significant influence to financial inclusion, a significant influence on debt behavior, and has a significant effect on household consumption. Also found simultaneous influence is R2 of 0.18 in financial inclusion, meaning financial inclusion can be explained by the banking behavior and financial literacy of 18%. R2 of 0.43 in debt behavior, meaning that debt behavior can be explained by banking behavior, financial literacy and financial inclusion by 43%. R2 is 0.14 in household consumption, meaning that household consumption can be explained by banking behavior, financial literacy, financial inclusion and debt behavior of 14%.