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Abstract
Tujuan dari penelitian ini yaitu untuk mengetahui dan menganalisis bagaimana pengaruh antara financial knowledge, financial skills, dan income terhadap financial management behavior generasi Z. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik non-probability sampling. Sampel yang digunakan pada penelitian ini yaitu generasi Z yang lahir pada tahun 1997 – 2005 sebanyak 160 responden. Tahapan analisis data dalam penelitian ini meliputi analisis uji validitas, uji reliabilitas, uji r-square, dan uji hipotesis dengan analisis path coefficient. Hasil penelitian ini menunjukkan bahwa income berpengaruh positif dan tidak signifikan terhadap financial management behavior. Sementara financial knowledge dan financial skills berpengaruh positif dan signifikan terhadap financial management behavior. Penelitian ini memiliki keterbatasan pada penyebaran kuesioner dalam hal proporsi responden, baik dalam segi gender maupun rentang usia. Untuk penelitian selanjutnya sebaiknya dapat melakukan perluasan responden dan cakupan kriteria pada variabel income.
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Copyright (c) 2022 Nabila Shafarana Nugroho, Bagus Panuntun
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References
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- Arifin, A. Z. 2018. Influence Factors toward Financial Satisfaction with Financial Behavior as Intervening Variable on Jakarta Area Workforce. European Research Studies Journal, XXI(1), pp.90-103.
- Arlinawati, M., Sawitri, N. N., dan Utomo. K. W. 2020. The Sensitivity of Financial Position and Financial Behavior of Young Workers. Jurnal Manajemen, 24(2), pp.232–249.
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- Hira, T. K., and Mugenda, O. M. 1999. The Relationships Between Self-Worth and Financial Beliefs, Behavior and Satisfaction. Journal of Family and Consumer Sciences, 91(4), pp.76-82.
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- Purwidianti, W., dan Tubastuvi, N. 2019. The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia. Jurnal Dinamika Manajemen, 10(1), pp.40-45.
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- Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., dan Tinghög, G. 2017. Does Self-Control Predict Financial Behavior and Financial Well-being?. Journal of Behavioral and Experimental Finance, 14, pp.30-38.
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- Woodyard, A. 2013. Measuring financial wellness, Consumer Interests Annual, Vol 59.
- Xiao, J. J. 2008. Handbook of Consumer Finance Research. 1st Edition. New York: Springer.
- Xiao, J.J., Sorhaindo, B., dan Garman, E.T. 2006. Financial behavior of consumers in credit counseling. International Journal of Consumer Studies, 30(2), pp.108-121.
References
Abdillah, W. 2018. Metode Penelitian Terpadu Sistem Informasi. Yogyakarta: Penerbit Andi.
Afsar, J., Chaudhary, G. M., Iqbal, Z., dan Aamir, M. 2018. Impact of Financial Literacy and Parental Socialization on the Saving Behavior of University Level Students. Journal of Accounting and Finance in Emerging Economies, 4(2), pp.133-140.
Amaiyah, N. I., dan Ismanto, H. 2020. Literasi Keuangan dan Perilaku Keuangan Karyawan Swasta di Kabupaten Jepara. Jurnal Aplikasi Bisnis dan Manajemen, 6(3), pp.468-477.
Andarsari, P. R., dan Ningtyas, M. N. 2019. The Role of Financial Literacy on Financial Behavior. JABE (Journal of Accounting and Business Education), 4(1), pp.24-33.
Arifin, A. Z. 2017. The Influence of Financial Knowledge, Control and Income on Individual Financial Behavior. European Research Studies Journal, XX(3A), 2017, pp.635-648.
Arifin, A. Z. 2018. Influence Factors toward Financial Satisfaction with Financial Behavior as Intervening Variable on Jakarta Area Workforce. European Research Studies Journal, XXI(1), pp.90-103.
Arlinawati, M., Sawitri, N. N., dan Utomo. K. W. 2020. The Sensitivity of Financial Position and Financial Behavior of Young Workers. Jurnal Manajemen, 24(2), pp.232–249.
Bugheanu, Alexandru-Mihai., dan Strachinaru, Adina-lonela. 2020. Financial Spending Behavior Patterns based on Education, Gender and Age. Studies in Business and Economics, 15(2), pp.62-68.
Dew, J., dan Xiao, J. J. 2011. The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), pp.43-59.
Dewi, V., Febrian, E., Effendi, N., dan Anwar, N. 2020. Financial Literacy among the Millennial Generation: Relationships between Knowledge, Skills, Attitude, and Behavior. Australasian Accounting, Business and Finance Journal, 14(4), pp.24–37.
Elbogen, E. B., Tiegreen, J., Vaughan, C., dan Bradford, D.W. 2011. Money management, mental health, and psychiatric disability: A recovery-oriented model for improving financial skills. Psychiatric Rehabilitation Journal, 34(3), pp.223-231.
Geraldo, S. dan Evelyn, E. 2020. Financial Help Seeking Behavior pada Mahasiswa di Surabaya. MIX: Jurnal Ilmiah Manajemen, 10(1), pp.29-44.
Gunawan, A., dan Chairani. 2019. Effect of Financial Literacy and Lifestyle of Finance Student Behavior. International Journal of Business Economics, 1(1), pp.76-86.
Hair Jr., J., Matthews, L., Matthews, R. and Sarstedt, M. 2017. PLS-SEM or CB-SEM: updated guidelines on which method to use. International Journal of Multivariate Data Analysis, 1(2), pp.107.
Herdjiono, I., dan Damanik, L. A. 2016. Pengaruh Financial Attitude, Financial Knowledge, Parental Income terhadap Financial Management Behavior. Jurnal Manajemen Teori dan Terapan, 9(3), pp.226-241.
Hira, T. K., and Mugenda, O. M. 1999. The Relationships Between Self-Worth and Financial Beliefs, Behavior and Satisfaction. Journal of Family and Consumer Sciences, 91(4), pp.76-82.
Ida dan Dwinta, C. Y. 2010. Pengaruh Locus of Control, Financial Knowledge, dan Income terhadap Financial Management Behavior. Jurnal Bisnis dan Akuntansi, 12(3), pp.131-144.
IDX Channel. 2021. Melek Investasi, Anak Muda Serbu Pasar Modal Tiga Tahun Terakhir. [online] https://www.idxchannel.com/. Available at: https://www.idxchannel.com/market-news/melek-investasi-anak-muda-serbu-pasar-modal-tiga-tahun-terakhir.
Joo, H. 2008. Personal financial wellness. In Xiao, J. J. Handbook of Consumer Finance Research. 1st Edition, New York: Springer.
Kholilah, N. A., dan Iramani, R. 2013. Studi Financial Management Behavior pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), pp.69-80.
Lajuni, N., Bujang, I., Karia, A. A., dan Yacob, Y. 2018. Religiosity, Financial Knowledge, and Financial Behavior Influence on Personal Financial Distress among Millennial Generation. Jurnal Manajemen dan Kewirausahaan, 20(2), pp.92-98.
Mudzingiri, C., Mwamba, J. W. M., dan Keyser. J. N. 2018. Financial Behavior, Confidence, Risk Preferences and Financial Literacy of University Students. Cogent Economics and Finance, 6(1), pp.1-25.
Nababan, D., dan Sadalia, I. 2013. Analysis of Personal Financial Literacy and Financial Behavior of Bachelor Students. Jurnal Media Informasi Manajemen, 1(1), pp.1-16.
Perry, V. G., dan Morris, M. D. 2005. Who is in Control? The Role of Self Perception, Knowledge, and Income in Explaining Consumer Financial Behavior. Journal of Consumer Affairs, 39(2), pp.299-313.
Purwidianti, W., dan Tubastuvi, N. 2019. The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia. Jurnal Dinamika Manajemen, 10(1), pp.40-45.
SINDOnews. 2021. Generasi Milenial Melek Pasar Modal. [online] SINDOnews.com. Available at: https://nasional.sindonews.com/read/346926/16/generasi-milenial-melek-pasar-modal-1614258161.
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., dan Tinghög, G. 2017. Does Self-Control Predict Financial Behavior and Financial Well-being?. Journal of Behavioral and Experimental Finance, 14, pp.30-38.
Turner, A. 2015. Generation Z: Technology and Social Interest. The Journal of Individual Psychology, 71(2), pp.103–113.
Woodyard, A. 2013. Measuring financial wellness, Consumer Interests Annual, Vol 59.
Xiao, J. J. 2008. Handbook of Consumer Finance Research. 1st Edition. New York: Springer.
Xiao, J.J., Sorhaindo, B., dan Garman, E.T. 2006. Financial behavior of consumers in credit counseling. International Journal of Consumer Studies, 30(2), pp.108-121.