Analisis Faktor-Faktor yang Mempengaruhi Perilaku Keuangan Pribadi pada Generasi Z
DOI:
https://doi.org/10.14421/jies.2024.5.2.139-146Keywords:
literasi keuangan, sikap terhadap uang, gaya hidup konsumtif, perencanaan keuangan, perilaku keuangan pribadi, Generasi ZAbstract
Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi perilaku keuangan pribadi pada Generasi Z di Indonesia. Dengan pendekatan kuantitatif dan metode deskriptif korelasional, penelitian ini menggunakan data dari 43 responden yang berasal dari kalangan Generasi Z. Variabel independen yang diteliti meliputi literasi keuangan, sikap terhadap uang, gaya hidup konsumtif, dan perencanaan keuangan, sementara variabel dependen adalah perilaku keuangan pribadi. Hasil analisis deskriptif menunjukkan bahwa tingkat literasi keuangan responden tergolong tinggi, sikap terhadap uang cukup baik, dan gaya hidup konsumtif relatif rendah. Analisis korelasi Pearson menunjukkan bahwa seluruh variabel independen memiliki hubungan yang signifikan terhadap perilaku keuangan pribadi, dengan koefisien tertinggi ditunjukkan oleh literasi keuangan (r = 0.628) dan perencanaan keuangan (r = 0.611). Temuan ini memperkuat literatur yang menyatakan bahwa perilaku keuangan individu dipengaruhi secara simultan oleh pengetahuan, sikap, gaya hidup, dan kebiasaan perencanaan. Penelitian ini memberikan kontribusi dalam memahami perilaku finansial generasi muda serta memberikan implikasi bagi pengembangan pendidikan keuangan yang relevan di era digital.
Downloads
Abstract viewed: 389 times
|
PDF downloaded = 357 times
References
Atkinson, A., & Messy, F.-A. (2011). Assessing financial literacy in 12 countries: An OECD/INFE international pilot exercise. Journal of Pension Economics and Finance, 10(4), 657–665. https://doi.org/10.1017/S1474747211000539
Atkinson, A., & Messy, F.-A. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study. OECD Publishing. https://doi.org/10.1787/5k9csfs90fr4-en
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Federal Reserve Bulletin, 89, 309–322.
Lusardi, A., & Mitchell, O. S. (2007). Baby boomer retirement security: The roles of planning, financial literacy, and housing wealth. Journal of Monetary Economics, 54(1), 205–224. https://doi.org/10.1016/j.jmoneco.2006.12.001
Lusardi, A., & Mitchell, O. S. (2011). Financial literacy and planning: Implications for retirement wellbeing. National Bureau of Economic Research Working Paper Series, No. 17078. https://doi.org/10.3386/w17078
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
Tang, T. L. P., & Chiu, R. K. (2003). Income, money ethic, pay satisfaction, commitment, and unethical behavior: Is the love of money the root of evil for Hong Kong employees? Journal of Business Ethics, 46(1), 13–30. https://doi.org/10.1023/A:1024731611490
Tang, T. L. P., & Gilbert, P. R. (1995). Attitudes toward money as related to intrinsic and extrinsic job satisfaction, stress, and work-related attitudes. Personality and Individual Differences, 19(3), 327–332.
Tang, T. L. P., Furnham, A., & Davis, G. M. (2002). The meaning of money: The Money Ethic Scale and its dimensionality. Journal of Managerial Psychology, 17(7), 542–563. https://doi.org/10.1108/02683940210444030
Xiao, J. J., & O'Neill, B. (2016). Consumer financial education and financial capability. International Journal of Consumer Studies, 40(6), 712–721. https://doi.org/10.1111/ijcs.12285
Xiao, J. J., & Porto, N. (2016). Financial education and financial satisfaction: Financial literacy, behavior, and capability as mediators. International Journal of Bank Marketing, 34(7), 1052–1069. https://doi.org/10.1108/IJBM-01-2016-0009
Xiao, J. J., & Porto, N. (2017). Financial education and financial satisfaction: Financial literacy, behavior, and capability as mediators. International Journal of Bank Marketing, 35(5), 805–817. https://doi.org/10.1108/IJBM-01-2016-0009
Xiao, J. J., & Wu, J. (2006). Applying the theory of planned behavior to retain credit counseling clients. Journal of Financial Counseling and Planning, 17(2), 31–45.
Prabawani, B., & Maulana, A. (2021). Gaya hidup konsumtif dan implikasinya terhadap perilaku keuangan generasi Z di Indonesia. Jurnal Ilmu Ekonomi dan Sosial, 12(2), 145–159.
Lestari, P. A., & Yuniarta, G. A. (2020). Perencanaan keuangan dan pengaruhnya terhadap perilaku keuangan mahasiswa. Jurnal Ekonomi dan Bisnis Universitas Udayana, 9(1), 55–64.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 akhmad ilma sadulur, Wabi Abdul Wahab
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1.Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
This work is licensed under a 