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Abstract
Kajian tentang perbedaan sikap dan perilaku antar generasi telah mendapat banyak perhatian di literatur, tidak terkecuali di literatur keuangan. Penelitian ini bertujuan untuk mengamati perbedaan literasi keuangan dan perilaku belanja Generasi X & Y. Total 200 kuesioner disebarkan dan diisi oleh masing-masing Generasi X sebanyak 95 responden dan Generasi Y sebanyak 105 responden. Analisis data menggunakan uji statistik deskriptif, uji kualitas data terdiri dari uji validitas dan uji reliabilitas serta uji hipotesis menggunakan uji beda independen. Hasil pengujian menunjukkan bahwa baik literasi keuangan maupun perilaku belanja generasi X & Y tidak berbeda secara signifikan. Temuan ini tidak berkesesuaian dengan temuan banyak penelitian yang mengidentifikasi adanya pola perbedaan perilaku pada pengelolaan keuangan personal antar generasi.
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Copyright (c) 2022 Kiki Candra Mahendra, Abdur Rafik
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References
- Bakewell, C. and Mitchell, V. (2003) ‘Generation Y female consumer decision‐making styles’, International Journal of Retail & Distribution Management, 31(2), pp. 95–106. doi:10.1108/09590550310461994.
- Birari, A. and Patil, U. (2014) ‘Spending & Saving Habits of Youth in the City of Aurangabad’, The SIJ Transactions on Industrial, Financial & Business Management (IFBM), 2(3), pp. 158–165.
- Budiati, I. et al. (2018) Statistik Gender Tematik: Profil Generasi Milenial Indonesia. Jakarta: Kementerian Pemberdayaan Perempuan dan Perlindungan Anak, pp. 1–171.
- Caplan, E., (2005). Brand loyalty. Dealerscope 20 (May), pp. 60.
- Chen, H. and Volpe, R. P. (1998) ‘An analysis of personal financial literacy among college students’, Financial Services Review, 7(2), pp. 107-128.
- Czara, S.J., Hammond, K., Blascovich, J.I. and Swede, H. (1989) ‘Age related differences in learning to use a text-editing system’, Behavior and Information Technology, 8(4), pp. 309-319.
- Dunne, R.F. and Lusch (2008) ‘Retailing’, Second ed. South-Western Cengage Learning, Mason, OH
- Eastman, J.K. and Liu, J. (2012) ‘The impact of generational cohorts on status consumption: an exploratory look at generational cohort and demographics on status consumption’, Journal of Consumer Marketing. Edited by D. Pitta, 29(2), pp. 93–102. doi:10.1108/07363761211206348.
- Heaney, J.-G. (2007) ‘Generations X and Y’s internet banking usage in Australia’, Journal of Financial Services Marketing, 11(3), pp. 196–210. doi:10.1057/palgrave.fsm.4760052.
- Hernández, B., Jiménez, J. and José Martín, M. (2011) ‘Age, gender and income: do they really moderate online shopping behaviour?’, Online Information Review, 35(1), pp. 113–133. doi:10.1108/14684521111113614.
- Himmel, B. (2008) ‘Different strokes for different generations’, Rental Product News, 30(7), pp. 42-46.
- Ibrahim, D. I. D., Harun, R. and Isa, Z. M. (2010) ‘A study on financial literacy of Malaysian degree students’, Cross-cultural communication, 5(4), pp. 51-59.
- Lissitsa, S. and Kol, O. (2016) ‘Generation X vs. Generation Y – A decade of online shopping’, Journal of Retailing and Consumer Services, 31(31), pp. 304–312. doi:10.1016/j.jretconser.2016.04.015.
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- Lusardi, A. and Mitchell, O.S. (2014) ‘The Economic Importance of Financial Literacy: Theory and Evidence’, Journal of Economic Literature, 52(1), pp. 5–44. doi:10.1257/jel.52.1.5.
- Martin, C.A. and Turley, L.W. (2004) ‘Malls and consumption motivation: an exploratory examination of older Generation Y consumers’, International Journal of Retail & Distribution Management, 32(10), pp. 464–475. doi:10.1108/09590550410558608.
- Donavan, Minor, M. and Mowen, J. C. (2016) ‘Consumer behavior’. Chicago Business Press.
- O’Cass, A. and Frost, H. (2002) ‘Status brands: examining the effects of non‐product‐related brand associations on status and conspicuous consumption’, Journal of Product & Brand Management, 11(2), pp. 67–88. doi:10.1108/10610420210423455.
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- Parment, A. (2009) ’Automobile Marketing: Distribution Strategies for Competitiveness’, VDM Publishing, Saarbrucken
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- Phillips, C. (2007) ‘Millennials: clued in or clueless?’, Advertising Age, November, pp. 12–13.
- Reisenwitz, T. H. and Iyer, R. (2009) ‘Differences in generation X and generation Y: Implications for the organization and marketers’, The Marketing Management Journal. 19(2), pp. 91–103.
- Robb, C. A., & Woodyard, A. S. (2011). ‘Financial knowledge and best practice behavior’, Journal of Financial Counseling and Planning, 22(1), pp. 60-70.
- Shaari, N. A, Hasan, N. A, Mohamed, R. K. M. H, & Sabri, M. A. J. (2013) ‘Financial literacy: A Study Among the University Student’, Journal of Contemporary Research in Business, 5(2), pp. 279- 299.
- Sutrisno, Y. (2012). Financial Attitudes dan Spending habits di kalangan Mahasiswa Ditinjau dari Perbedaan Jenis Kelamin. Skripsi Program S1 Fakultas Ekonomi Universitas Kristen Satya Wacana.
- Tibian, G. (2018). Pengaruh Financial Literacy Terhadap Spending Habits Mahasiswa Program Studi Akuntansi Universitas Sanata Dharma, Skripsi S1, Universitas Sanata Dharma, Yogyakarta
- Trocchia, P.J. and Janda, S. (2003) ‘How do consumers evaluate Internet retail service quality?’, Journal of Services Marketing, 17(3), pp. 243–253. doi:10.1108/08876040310474800.
- Wolburg, J.M. and Pokrywczynski, J. (2001) ‘A Psychographic Analysis of Generation Y College Students’, Journal of Advertising Research, 41(5), pp. 33–52. doi:10.2501/jar-41-5-33-52.
References
Bakewell, C. and Mitchell, V. (2003) ‘Generation Y female consumer decision‐making styles’, International Journal of Retail & Distribution Management, 31(2), pp. 95–106. doi:10.1108/09590550310461994.
Birari, A. and Patil, U. (2014) ‘Spending & Saving Habits of Youth in the City of Aurangabad’, The SIJ Transactions on Industrial, Financial & Business Management (IFBM), 2(3), pp. 158–165.
Budiati, I. et al. (2018) Statistik Gender Tematik: Profil Generasi Milenial Indonesia. Jakarta: Kementerian Pemberdayaan Perempuan dan Perlindungan Anak, pp. 1–171.
Caplan, E., (2005). Brand loyalty. Dealerscope 20 (May), pp. 60.
Chen, H. and Volpe, R. P. (1998) ‘An analysis of personal financial literacy among college students’, Financial Services Review, 7(2), pp. 107-128.
Czara, S.J., Hammond, K., Blascovich, J.I. and Swede, H. (1989) ‘Age related differences in learning to use a text-editing system’, Behavior and Information Technology, 8(4), pp. 309-319.
Dunne, R.F. and Lusch (2008) ‘Retailing’, Second ed. South-Western Cengage Learning, Mason, OH
Eastman, J.K. and Liu, J. (2012) ‘The impact of generational cohorts on status consumption: an exploratory look at generational cohort and demographics on status consumption’, Journal of Consumer Marketing. Edited by D. Pitta, 29(2), pp. 93–102. doi:10.1108/07363761211206348.
Heaney, J.-G. (2007) ‘Generations X and Y’s internet banking usage in Australia’, Journal of Financial Services Marketing, 11(3), pp. 196–210. doi:10.1057/palgrave.fsm.4760052.
Hernández, B., Jiménez, J. and José Martín, M. (2011) ‘Age, gender and income: do they really moderate online shopping behaviour?’, Online Information Review, 35(1), pp. 113–133. doi:10.1108/14684521111113614.
Himmel, B. (2008) ‘Different strokes for different generations’, Rental Product News, 30(7), pp. 42-46.
Ibrahim, D. I. D., Harun, R. and Isa, Z. M. (2010) ‘A study on financial literacy of Malaysian degree students’, Cross-cultural communication, 5(4), pp. 51-59.
Lissitsa, S. and Kol, O. (2016) ‘Generation X vs. Generation Y – A decade of online shopping’, Journal of Retailing and Consumer Services, 31(31), pp. 304–312. doi:10.1016/j.jretconser.2016.04.015.
Lusardi, A. and Mitchelli, O.S. (2007) ‘Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education’, Business Economics, 42(1), pp. 35–44. doi:10.2145/20070104.
Lusardi, A. and Mitchell, O.S. (2014) ‘The Economic Importance of Financial Literacy: Theory and Evidence’, Journal of Economic Literature, 52(1), pp. 5–44. doi:10.1257/jel.52.1.5.
Martin, C.A. and Turley, L.W. (2004) ‘Malls and consumption motivation: an exploratory examination of older Generation Y consumers’, International Journal of Retail & Distribution Management, 32(10), pp. 464–475. doi:10.1108/09590550410558608.
Donavan, Minor, M. and Mowen, J. C. (2016) ‘Consumer behavior’. Chicago Business Press.
O’Cass, A. and Frost, H. (2002) ‘Status brands: examining the effects of non‐product‐related brand associations on status and conspicuous consumption’, Journal of Product & Brand Management, 11(2), pp. 67–88. doi:10.1108/10610420210423455.
Okezone.com, (2017). Kenali Perbedaan Generasi X, Y, dan Z dalam Berbelanja. Diakses pada 14 Februari 2022, dari https://economy.okezone.com/read/2017/01/27/320/1602838/kenali-perbedaan-generasi-x-y-dan-z-dalam-berbelanja
Parment, A. (2009) ’Automobile Marketing: Distribution Strategies for Competitiveness’, VDM Publishing, Saarbrucken
Peng, T.-C.M. et al. (2007) ‘The Impact of Personal Finance Education Delivered in High School and College Courses’, Journal of Family and Economic Issues, 28(2), pp. 265–284. doi:10.1007/s10834-007-9058-7.
Peralta, E. (2015) ’Generation X: the small but financially powerful generation. Centro’. Diakses 12 Januari 2022, 〈http://www.centro.net/blog/generation-x-the-small-but-mighty-generation/〉
Phillips, C. (2007) ‘Millennials: clued in or clueless?’, Advertising Age, November, pp. 12–13.
Reisenwitz, T. H. and Iyer, R. (2009) ‘Differences in generation X and generation Y: Implications for the organization and marketers’, The Marketing Management Journal. 19(2), pp. 91–103.
Robb, C. A., & Woodyard, A. S. (2011). ‘Financial knowledge and best practice behavior’, Journal of Financial Counseling and Planning, 22(1), pp. 60-70.
Shaari, N. A, Hasan, N. A, Mohamed, R. K. M. H, & Sabri, M. A. J. (2013) ‘Financial literacy: A Study Among the University Student’, Journal of Contemporary Research in Business, 5(2), pp. 279- 299.
Sutrisno, Y. (2012). Financial Attitudes dan Spending habits di kalangan Mahasiswa Ditinjau dari Perbedaan Jenis Kelamin. Skripsi Program S1 Fakultas Ekonomi Universitas Kristen Satya Wacana.
Tibian, G. (2018). Pengaruh Financial Literacy Terhadap Spending Habits Mahasiswa Program Studi Akuntansi Universitas Sanata Dharma, Skripsi S1, Universitas Sanata Dharma, Yogyakarta
Trocchia, P.J. and Janda, S. (2003) ‘How do consumers evaluate Internet retail service quality?’, Journal of Services Marketing, 17(3), pp. 243–253. doi:10.1108/08876040310474800.
Wolburg, J.M. and Pokrywczynski, J. (2001) ‘A Psychographic Analysis of Generation Y College Students’, Journal of Advertising Research, 41(5), pp. 33–52. doi:10.2501/jar-41-5-33-52.