financeФинансы: теория и практика/Finance: Theory and PracticeFinance: Theory and Practice2587-56712587-7089Financial University under The Government of Russian Federation10.26794/2587-5671-2024-28-3-218-230finance-2968Research ArticleФИНАНСОВАЯ ГРАМОТНОСТЬFINANCIAl lITERACYПуть к финансовой устойчивости: тестирование цифровой финансовой грамотности и сберегательного поведенияThe Road to Financial Resilient: Testing Digital Financial Literacy and Saving Behaviorhttps://orcid.org/0000-0003-4101-9499РахаюС. М.RahayuS. M.

Шри М. Рахаю — PhD, профессор, преподаватель и ведущий научный сотрудник, факультет  административных наук

Маланг

Sri M. Rahayu — PhD, Prof., Lecturer and Leading Researcher, Faculty of Administrative Sciences

Malang

mangestifia@ub.ac.idhttps://orcid.org/0000-0001-6950-9954ВорокинасихС.WorokinasihS.

Сапарила Ворокинасих — PhD, преподаватель и научный сотрудник, факультет административных наук

Маланг

Saparila Worokinasih — PhD, Lecturer and Researcher, Faculty of Administrative Sciences

Malang

saparila.fia@ub.ac.idhttps://orcid.org/0000-0002-2349-4029ДамаянтиК. Р.DamayantiC. R.

Касик Р. Дамаянти — DBA, профессор, преподаватель и научный сотрудник, факультетадминистративных наук

Маланг

Cacik R. Damayanti — DBA, Prof., Lecturer and Researcher, Faculty of Administrative Sciences

Malang

cacik@ub.ac.idhttps://orcid.org/0000-0002-1227-1110НормаватиР. А.NormawatiR. A.

Рани А. Нормавати — преподаватель и научный сотрудник, кафедра операционной деятельности цифрового офиса

Путра Санг Фаджар, Блитар

Rani A. Normawati — Lecturer and Researcher, Department of Digital Office Operationalization

Putra Sang Fajar, Blitar

raniarifah@akb.ac.idhttps://orcid.org/0000-0003-3049-1210РахматикаА. Г.RachmatikaA. G.

Адхела Г. Рахматика — аспирант, факультет административных наук

Маланг

Adhela G. Rachmatika — Postgraduate Student, Faculty of Administrative Sciences

Malang

adhelaghina@student.ub.ac.idhttps://orcid.org/0000-0002-1436-2753АприлианЮ. А.AprilianYu. A.

Юдха А. Априлиан — аспирант, факультет административных наук

Маланг

Yudha A. Aprilian — Postgraduate Student, Faculty of Administrative Sciences

Malang

yudhaalief@student.ub.ac.idУниверситет БравиджаяИндонезияUniversity BrawijayaIndonesiaКоммунальный колледжИндонезияComnunity CollegeIndonesia202412072024283218230Copyright © Рахаю С.М., Ворокинасих С., Дамаянти К.Р., Нормавати Р.А., Рахматика А.Г., Априлиан Ю.А., 20242024Рахаю С.М., Ворокинасих С., Дамаянти К.Р., Нормавати Р.А., Рахматика А.Г., Априлиан Ю.А.Rahayu S.M., Worokinasih S., Damayanti C.R., Normawati R.A., Rachmatika A.G., Aprilian Y.A.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://financetp.fa.ru/jour/article/view/2968

Кризис, вызванный пандемией COVID‑19, наглядно продемонстрировал важность финансовой устойчивости домохозяйств. Она необходима как мера готовности к экономическим потрясениям, которые могут возникнуть, особенно в связи с проблемой рецессии, которая все чаще обсуждается в последнее время. Финансовая устойчивость может быть сформирована через финансовое поведение населения, особенно в части сбережений. В данном исследовании изучаются предпосылки, которые формируют поведенческую модель сбережений домохозяйств в цифровом контексте, используя теорию планируемого поведения (ТПП), т.е. то, как человек ведет себя. Эта модель также включает цифровую финансовую грамотность (ЦФГ) в качестве расширения TПП. Цифровой контекст рассматривается из-за косвенного сдвига в финансовом поведении с появлением в обществе цифровых финансовых услуг (ЦФУ). В данном исследовании использовался метод опроса с хорошо структурированной анкетой. Рефлексивное измерение проводилось с  помощью модели структурных уравнений с  частичным наименьшим квадратом (PLS-SEM). Анкетирование проводилось среди респондентов на острове Ява, Индонезия, по отсеянным данным исследования (N = 900). Результаты исследования показывают, что предпосылки, влияющие на решения домохозяйств по поводу сбережений, включают TПП и ЦФГ. В посредническом эффекте намерение к сберегательному поведению выступает в качестве частичной посреднической переменной между экзогенными и эндогенными переменными. Авторы рекомендуют политикам, правительству и образовательным учреждениям повышать цифровую финансовую грамотность домохозяйств.

The crisis caused by the COVID‑19 pandemic has clearly demonstrated the importance of financial resilience for households. It is necessary as a measure of preparedness for the economic shocks that may arise, especially in connection with the recession problem, which has been increasingly discussed recently. Financial resilience can be formed through resilience-building financial behaviors, including saving behavior. This study investigates the predictors that shape household saving behavior in a digital context by adopting the Theory of Planned Behavior (TPB), i.e., how human behavior is guided. This model also adds digital financial literacy (DFL) as an extension of the TPB. The digital context is taken because of the oblique shift in financial behavior with the rise of Digital Financial Services (DFS) in society. This study used a survey method with a well-structured questionnaire. The reflective measurement was performed using the Partial Least Square Structural Equation Model (PLS-SEM). Analysis was conducted on respondents in Java, Indonesia, to the survey’s screened data (N = 900). The study results show that all predictors influencing household decisions to save include all predictors of TPB and DFL. In the mediating effect, the intention toward saving behavior act as a partial mediating variable on the relationship between exogenous and endogenous variables. This study suggests policymakers, government, and educational institutions provide DFL to households.

отношениесубъективная нормавоспринимаемый контроль над поведениемнамерениецифровая финансовая грамотностьсберегательное поведениеattitudesubjective normperceived behavior controlintentiondigital financial literacysaving behaviorДанное исследование было проведено при поддержке Университета Бравиджая, Индонезия, в рамках профессорского гранта 2022. Университет Бравиджая, Маланг, Индонезия.This research was supported by Brawijaya University, Indonesia under Professor Grant 2022. Brawijaya University, Malang, Indonesia.ReferencesBoonroungrut C., Huang F. Reforming theory of planned behavior to measure money management intention: A validation study among student debtors. RAUSP Management Journal. 2021;56(1):24–37. DOI: 10.1108/RAUSP02–2019–0029Boonroungrut C., Huang F. Reforming theory of planned behavior to measure money management intention: A validation study among student debtors. RAUSP Management Journal. 2021;56(1):24–37. 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The authors declare that there are no conflicts of interest present.