EAS Publisher | Optimism versus Pessimism and Its Effect on Saving Habits

Optimism versus Pessimism and Its Effect on Saving Habits

DOI : https://doi.org/10.36349/easjpbs.2023.v05i01.002

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This study aims to investigate the influence of a person's optimistic and pessimistic personality on the saving habits of household financial managers in Kupang City. To achieve the purpose of the research in question, in this study, the author took literature sources from financial management and psychology, then the relevant hypotheses were built. The data was analyzed using Structural Equation Modeling (SEM) techniques using the help of SmartPLS software. This research was conducted in 2 (two) stages, namely the initial stage and the advanced stage. At the initial stage, we determine the topic and theme of the research, and formulate a research problem. In the advanced stage, conduct data collection, analysis, data interpretation and finally compile the final research report. The results of this study show that both optimism and pessimism influence saving habits through prudence in shopping.

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