PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL BEHAVIOR, FINANCIAL ATTITUDE, DAN FINANCIAL SKILLS TERHADAP PERILAKU KONSUMTIF GEN Z (PADA MAHASISWA DI PURWOKERTO)
Keywords:
Financial Knowledge; Financial Behavior; Financial Attitude; Financial Skills; Consumptive Behavior
Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh financial knowledge, financial behavior, financial attitude, dan financial skills terhadap perilaku konsumtif generasi dikalangan mahasiswa di lima perguruan tinggi purwokerto. Dalam penelitian ini metode yang digunakan adalah metode kuantitatif, dengan menggunakan SEM-PLS. Populasi penelitian adalah lima perguruan tinggi di purwokerto dengan jumlah 69,993 mahasiswa. Sampel yang digunakan adalah 122 mahasiswa dari lima perguruan tinggi di purwokerto. Teknik pengambilan sampel menggunakan teknik Proportional Random Sampling. Software yang digunakan untuk analisis adalah SmartPls 3.0 Hasil penelitian menunjukan adanya pengaruh financial knowledge, financial behavior dan financial attitude yang signifikan terhadap perilaku konsumtif, sementara financial skills tidak menunjukan pengaruh signifikan terhadap perilaku konsumtif. Implikasi penelitian ini merupakan pentingnya peningkatan literasi keuangan untuk mengelola perilaku konsumtif generasi. Temuan ini penelitian diharapkan dapat memberikan wawasan terkait keuangan dan perilaku konsumtif yang sedang terjadi pada Gen Z.
References
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[35] I. Ghozali And H. Latan, “Partial Least Squares Konsep, Teknik Dan Aplikasi Menggunakan Program Smartpls 3.0 Untuk Penelitian Empiris,” Univ. Diponegoro, 2015.
[2] M. D. Aristi Et Al., “Gen Z Melek Investasi Melalui Kegiatan Edukasi Pasar Modal,” J. Pengabdi. Kpd. Masy., Vol. 4, No. 2, Pp. 215–219, 2023, Doi: 10.54951/Comsep.V4i2.510.
[3] A. C. Nisa, “8 Alasan Pentingnya Beriklan Di Sosial Media Untuk Bisnis Online.” [Online]. Available: Https://Www.Exabytes.Co.Id/Blog/Alasan-Pentingnya-Beriklan-Di-Sosial-Media/
[4] Maulia, “Membangun Brand Yang Relevan Dengan Gen Z.” [Online]. Available: Https://Doxadigital.Com/Doxa-Tips/Membangun-Brand-Yang-Relevan-Dengan-Gen-Z/
[5] Y. Nurhanisah, “Gen Z Indonesia Internet-An Mulu,” Indonesia Baik.Id. [Online]. Available: Https://Indonesiabaik.Id/Infografis/Gen-Z-Indonesia-Internet-An-Mulu
[6] W. Widiana And H. Hartini, “Pengaruh Pengetahuan Keuangan, Gaya Hidup, Dan Pengendalian Diri Terhadap Perilaku Konsumtif Pada Mahasiswa Universitas Teknologi Sumbawa,” J. Manaj. Dan Bisnis, Vol. 6, No. 2, Pp. 68–73, 2023, [Online]. Available: Https://Jurnal.Uts.Ac.Id/In Dex.Php/Jmb/Index.Id
[7] N. M. Armatya And S. D. Firmialy, “Pengaruh Financial Behaviour, Financial Attitude Dan Financial Skills Terhadap Perilaku Konsumtif Ibu Rumah Tangga Di Kota Tasikmalaya,” J. Ilm. Manaj. Bisnis Dan Inov. Univ. Sam Ratulangi (Jmbi Unsrat), Vol. 10, No. 2, Pp. 1577–1586, 2023.
[8] Dilasari, “Pengaruh Financial Literacy, Financial Behaviour, Financial Attitude, Life Style, Locus Of Control Dan Demografi Terhadap Perilaku Konsumtif,” Platf. Ris. Mhs. Akunt., Vol. 01, No. 04, Pp. 74–87, 2020, [Online]. Available: Https://Ojs.Stiesa.Ac.Id/Index.Php/Prisma
[9] M. Z. Pamungkas And S. D. Firmialy, “Assessing The Effect Of Financial Literacy On Consumptive Behavior (Comparative Study Based On Gender),” Asia Pacific Manag. Bus. Appl., Vol. 011, No. 03, Pp. 379–392, 2023, Doi: 10.21776/Ub.Apmba.2023.011.03.9.
[10] C. Fransisca And R. Erdiansyah, “Media Sosial Dan Perilaku Konsumtif,” Prologia, Vol. 4, No. 2, Pp. 435–439, 2020.
[11] N. Mathias, “Cara Memahami Financial Knowledge.” [Online]. Available: Https://Www.Qubisa.Com/Microlearning/Cara-Memahami-Financial-Knowledge
[12] M. S. Djajadiningrat, “The Influence Of Financial Literacy On Consumptive Behavior Among High School Students In Jakarta,” J. Integr. Manag. Stud., Vol. 1, No. 2, Pp. 263–271, 2023, Doi: 10.58229/Jims.V1i2.124.
[13] F. Ridhayani And I. R. Johan, “The Influence Of Financial Literacy And Reference Group Toward Consumptive Behavior Across Senior High School Students,” J. Consum. Sci., Vol. 5, No. 1, Pp. 29–45, 2020.
[14] W. Purwidianti, A. Santoso, A. Darmawan, I. Rahmawati, And L. Setiyani, “The Impact Of Financial Literacy, Financial Planning, Financial Self-Efficiency, And Demographic Variables On Financial Behavior,” Icbae 2022 Proc. 3rd Int. Conf. Business, Accounting, Econ., P. 64, 2022, Doi: 10.4108/Eai.10-8-2022.2320785.
[15] D. R. Prihastuty And S. Rahayuningsih, “Pengaruh Financial Literacy, Financial Behavior, Financial Attitude, Dan Demografi Terhadap Perilaku Konsumtif ( Studi Pada Mahasiswa Strata I Fakultas Ekonomi Universitas 17 Agustus 1945 Surabaya ),” J. Has. Penelit. Lppm Untag Surabaya, Vol. 03, No. 02, Pp. 121–134, 2018, [Online]. Available: Jurnal.Untag-Sby.Ac.Id/Index.Php/Jhp17
[16] R. B. R. Manihuruk And T. A. Lubis, “Analisis Pengaruh Financial Knowledge, Financial Attitude, Gaya Hidup Terhadap Financial Management Behaviour Dengan Locus Of Control Sebagai Variabel Moderating Pada Perusahaan Daerah Air Minum (Pdam) Kota Jambi,” J. Manaj. Terap. Dan Keuang., Vol. 11, No. 01, Pp. 38–50, 2022.
[17] A. Sunandes, “Pengaruh Financial Knowledge Terhadap Personal Financial Goals (Studi Kasus Pada Mahasiswa Stieken Blitar),” J. Kompil. Ilmu Ekon., Vol. 6, No. 2, Pp. 133–146, 2014.
[18] A. A. Handayani, M. Azis, And M. Hasan, “The Influence Of Financial Literacy, Lifestyle, And Self-Control On Student Consumptive Behavior,” Proceeding Int. Conf. Sci. Adv. Technol., Vol. 12, No. 1, Pp. 2133–2142, 2023, Doi: 10.9734/Ajeba/2024/V24i91482.
[19] A. M. Jannah, M. Murwatiningsih, And N. Oktarina, “The Effect Of Financial Literacy, Social Media, And Social Environment Towards The Consumptive Behavior Of Students At Sma Negeri Kabupaten Jepara,” J. Econ. Educ., Vol. 10, No. 2, Pp. 85–93, 2021, [Online]. Available: Http://Journal.Unnes.Ac.Id/Sju/Index.Php/Jeec
[20] S. W. Utami, “Pengaruh Transaksi Digital (E-Wallet), E-Lifes Dan Tren Sosial Media Terhadap Perilaku Konsumtif Mahasiswa Ketika Berbelanja Di E-Commerce (Studi Kasus Pada Mahasiswa Di Kota Purwokerto).” 2024.
[21] Kompasiana, “Ramai Sebut Purwokerto Kota Yang Nyaman, Ini Faktanya.” [Online]. Available: Https://Www.Kompasiana.Com/Anggihfidianti/6544d4ee110fce556c2e4342/Ramai-Sebut-Purwokerto-Kota-Yang-Nyaman-Begini-Faktanya
[22] I. Ajzen, Attitudes, Personality And Behavior. New York: British Library, 2005.
[23] I. Ajzen, “The Theory Of Planned Behavior,” Organ. Behav. Hum. Decis. Process., Vol. 50, No. 2, Pp. 179–211, 1991, Doi: Https://Doi.Org/10.1016/0749-5978(91)90020-T.
[24] B. F. Arianti, Literasi Keuangan (Teori Dan Implementasinya). Banyumas: Cv. Pena Persada, 2021.
[25] A. Fitriani And A. Widodo, “Pengaruh Financial Knowledge Terhadap Financial Behavior Dengan Financial Attitude Sebagai Va.Pdf,” J. Ilm. Mea (Manajemen, Ekon. Dan Akuntansi), Vol. 4, No. 2, Pp. 310–319, 2020.
[26] G. Puspita And Isnalita, “Financial Literacy Pengetahuan, Kepercayaan Diri Dan Perilaku Keuangan Mahasiswa Akuntansigilang Puspita, Surabaya, Indonesia Gilangpuspita16@Gmail.Comisnalita, Surabaya, Indonesiaisnalita@Feb.Unair.Ac.Idabstrakthe.Pdf,” Own. Ris. J. Akunt., Vol. 3, No. 2, Pp. 117–128, 2019, Doi: Https://Doi.Org/10.33395/Owner.V3i2.147.
[27] E. Amanah, A. Iradianty, And D. Rahardian, “Pengaruh Financial Knowledge , Financial Attitude Dan External Locus Of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom The Influence Of Financial Knowledge , Financial Attitude And External Locus Of Control On,” E-Proceeding Manag., Vol. 3, No. 2, Pp. 1228–1235, 2016.
[28] V. I. Dewi, E. Febrian, N. Effendi, And M. Anwar, “Financial Literacy Among The Millennial Generation: Relationships Between Knowledge, Skills, Attitude, And Behavior,” Australas. Accounting, Bus. Financ. J., Vol. 14, No. 4, Pp. 24–37, 2020, Doi: 10.14453/Aabfj.V14i4.3.
[29] U. Z. Arrafi And A. Santoso, “Financial Knowledge , Financial Attitude And Financial Skill : Insights And Behavior Of Students In Managing Finances In Indonesia,” Vol. 10, No. 1, Pp. 1–8, 2024, Doi: Https://Doi.Org/10.33197/Jabe.V10i1.1697.
[30] Pddikti Kemendikbud, “Pangkalan Data Pendidikan Tinggi.” [Online]. Available: Https://Pddikti.Kemdikbud.Go.Id/
[31] M. J. Slovin, “Sampling,” Simon Schuster Inc., 1960.
[32] Sugiyono, Metode Penelitian Kuantitatif, Kualitatif, Dan R&D. Bandung: Alfabeta, 2020.
[33] D. Nababan And I. Sadalia, “Analisis Personal Financial Literacy Dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara,” J. Ekon. Media Inf. Manaj., Vol. 1, No. 1, Pp. 1–15, 2012.
[34] S. Ismail, W.-L. Koe, M. Halim Mahphoth, R. Abu Karim, N. Yusof, And S. Ismail, “Saving Behavior Determinants In Malaysia: An Empirical Investigation,” Kne Soc. Sci., Vol. 2020, Pp. 731–743, 2020, Doi: 10.18502/Kss.V4i6.6639.
[35] I. Ghozali And H. Latan, “Partial Least Squares Konsep, Teknik Dan Aplikasi Menggunakan Program Smartpls 3.0 Untuk Penelitian Empiris,” Univ. Diponegoro, 2015.
Published
2024-11-07
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