Analisis Determinan Perilaku Dissaving pada Generasi Muda

Santi Nailul Izaty, Tsania Umairo, Versiandika Yudha Pratama — Thu, 10 Jul 2025 20:09:29 +0700

In the digital era, the financial patterns of the younger generation have undergone significant changes. Easy access to e-commerce platforms and digital financial services encourages the emergence of the dissaving phenomenon. This study aims to analyze the influence of financial education, consumption habits, and investment risk perceptions on the dissaving phenomenon among the younger generation. Using a quantitative approach, data were collected from 100 respondents aged 18–35 years in Pekalongan Regency through a questionnaire. The analysis was carried out using multiple linear regression with the help of SPSS 27. The results of the study showed that partially, financial education, consumption habits, and investment risk perceptions have a significant influence on dissaving. Simultaneously, the three variables explain 77.9% of the dissaving phenomenon. Financial education helps to manage the budget better, while uncontrolled consumption habits and high investment risk perceptions increase the risk of dissaving. This study highlights the importance of targeted financial education to suppress the dissaving phenomenon and proposes further research with a wider scope of variables and populations.

Persepsi Publik Terhadap Akuntansi Syariah Melalui Sentiment Analysis pada Brand24: Studi Kasus Pembiayaan Mikro Syariah

Dini Febianti, Lailatul Fadhilah, Savira Salsabila, Muhammad Rikzam Kamal — Tue, 15 Jul 2025 15:04:48 +0700

This study is motivated by the importance of understanding how public perceptions are formed regarding Islamic accounting, particularly in the context of Islamic microfinance, which plays a crucial role in promoting financial inclusion and economic empowerment of communities in Indonesia. The objective of this study is to identify and analyze patterns of public sentiment toward Islamic microfinance through a digital sentiment analysis approach using the Brand24 tool. The research employs a qualitative descriptive method within a constructivist paradigm, with data collected non-participatively through online monitoring across various social and non-social media platforms during the period from April 19 to May 19, 2025. A total of 9,546 mentions were detected, reaching an audience of 38 million people. The analysis results showed a dominance of positive sentiment at 87%, while negative sentiment accounted for only 13%, with the BSI KUR program being the primary driver of positive sentiment. These findings indicate that public perception of Islamic accounting in microfinance is highly positive, especially when compared to similar studies that tend to yield a more balanced distribution of sentiment between positive, negative, and neutral. In this context, the number of 9,546 mentions is significant, especially since it comes from a wide audience reach and involves thousands of online conversations across various information channels, which strengthens the social validity of these findings. From an academic perspective, this study contributes to the strengthening of Islamic accounting through an understanding of public perception and serves as a basis for regulators to promote transparency and consumer protection in Islamic microfinance. In conclusion, the use of sentiment analysis technology can provide real-time insights into public opinion and has the potential to become a strategic tool in enhancing public trust and participation in Islamic financial services.

Budgeting: Jurnal Akuntansi Syariah

Analisis Determinan Perilaku Dissaving pada Generasi Muda

Persepsi Publik Terhadap Akuntansi Syariah Melalui Sentiment Analysis pada Brand24: Studi Kasus Pembiayaan Mikro Syariah