Analisis Pengaruh Gaya Hidup, Literasi Keuangan dan Inklusi Keuangan terhadap Perilaku Keuangan Generasi Z di Jawa Barat
DOI:
https://doi.org/10.31539/jomb.v6i3.8963Abstract
This research aims to identify the influence of lifestyle, financial literacy and financial inclusion on the financial behavior of generation Z. This research method uses quantitative methods with a descriptive and associative approach with data analysis techniques using multiple regression. The population in this study is Generation Z residents who live in West Java, amounting to 11,886,058 million. The sample was determined using a simple random sampling technique with a sample size of 100 from 16 cities. The results of this research show that partially and simultaneously, lifestyle, financial literacy and financial inclusion have a positive influence on the financial behavior of generation Z. The implications of the results of this research direct that the promotion of a healthy, frugal and planned lifestyle with the support of financial literacy and financial inclusion needs to be carried out intensively use various social media.
Keywords: Lifestyle, Financial Inclusion, Financial Literacy, Financial Behavior
References
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Tinta, Abdoulganiour Almame, Idrissa Mohamed Ouédraogo, and Ramatu Mahama Al-Hassan. 2022. “The Micro Determinants of Financial Inclusion and Financial Resilience in Africa.” African Development Review (August 2021):293–306. doi: 10.1111/1467-8268.12636.
Widiantri, Komang Sri, Ida Ayu Gd. Dian Febby Mahadewi, Made Suidarma, and I. G. .. Desy Arlita. 2019. “JIMEA | Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi).” 3(3):191–201.
Widyakto, Adhi, Ziyana Wahyu Liyana, and Tri Rinawati. 2022. “The Influence of Financial Literacy, Financial Attitudes, and Lifestyle on Financial Behavior.” Diponegoro International Journal of Business 5(1):33–46. doi: 10.14710/dijb.5.1.2022.33-46.
Andarsari, Pipit Rosita, and Mega Noerman Ningtyas. 2019. “The Role of Financial Literacy on Financial Behavior.” Jabe (Journal of Accounting and Business Education) 4(1):24. doi: 10.26675/jabe.v4i1.8524.
Anisyah, Eka Nur, Dahlia Pinem, and Siti Hidayati. 2021. “Pengaruh Literasi Keuangan, Inklusi Keuangan Dan Financial Technology Terhadap Perilaku Keuangan Pelaku UMKM Di Kecamatan Sekupang.” Management and Business Review 5(2):310–24. doi: 10.21067/mbr.v5i2.6083.
Azizah, Nurul Safura. 2019. “Pengaruh Literasi Keuangan, Gaya Hidup Pada Perilaku Keuangan Pada Generasi Milenial.” Prisma (Platform Riset Mahasiswa Akuntansi) 01(73):293–301. doi: 10.2307/j.ctt1tg5gmg.7.
Henager, Robin, and Brenda J. Cude. 2016. “Financial Literacy and Long- and Short-Term Financial Behavior in Different Age Groups.” Journal of Financial Counseling and Planning 27(1):3–19. doi: 10.1891/1052-3073.27.1.3.
Huston, Sandra J. 2012. “Financial Literacy and the Cost of Borrowing.” International Journal of Consumer Studies 36(5):566–72. doi: 10.1111/j.1470-6431.2012.01122.x.
Kazia, Laturette, Widianingsih Luky Patricia, and Lucky Subandi. 2021. “Literasi Keuangan Pada Generasi Z.” Jurnal Pendidikan Akuntansi (JPAK) 9(1):131–39. doi: 10.26740/jpak.v9n1.p131-139.
Kholilah, Naila Al, and Rr. Iramani. 2013. “Studi Financial Management Behavior Pada Masyarakat Surabaya.” Journal of Business and Banking 3(1):69. doi: 10.14414/jbb.v3i1.255.
Nababan, Darman, and Isfenti Sadalia. 2013. “Analisis Personal Financial Literacy Dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara.” Media Informasi Manajemen 1(1):1–16.
Paramitalaksmi, Ratri, Wuku Astuti, and Hadjija Dewi Aviva. 2023. “Entrepreneurship and Social Science Analysis of Factors Influencing the Financial Behavior of Gen Z during the Covid-19 Pandemic.” Asian Journal of Management, Entrepreneurship and Social Science 3(1):517–35.
Pinem, Dahlia, and Bernadin Dwi Mardiatmi. 2021. “Analisis Literasi Keuangan, Inklusi Keuangan Dan Pendapatan Terhadap Perilaku Pelaku UMKM Di Depok Jawa Barat.” Syntax Literate ; Jurnal Ilmiah Indonesia 6(1):104. doi: 10.36418/syntax-literate.v6i1.1650.
Ritakumalasari N, and Susanti A. 2021. “Literasi Keuangan, Gaya Hidup, Locus Of Control, Dan Parental Income Terhadap Perilaku Keuangan Mahasiswa.” Jurnal Ilmu Manajemen 9(4):1440–50.
Rohmanto, Fajar, and Ari Susanti. 2022. “Pengaruh Literasi Keuangan, Lifestyle Hedonis, Dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa.” Jurnal Publisitas 9(1):40–48. doi: 10.37858/publisitas.v9i1.156.
Sheda, Ghegana Ariel. 2023. “Analisis Pengaruh Literasi Keuangan, Inklusi Keuangan Dan Lifestlye Terhadap Perilaku Finansial Pada Igeneration (Z).” PAPATUNG: Jurnal Ilmu Administrasi Publik, Pemerintahan Dan Politik 6(1):25–33. doi: 10.54783/japp.v6i1.660.
Sufyanti, and Lestari. 2022. “The Effect of Financial Literacy, Financial Inclusion and Lifestyle on Financial Behavior in Millennial Generation.” Jurnal Multidisiplin Madani 2(5):2415–30. doi: 10.55927/mudima.v2i5.396.
Sunarto, Kamanto. 2005. Pengantar Sosiologi. Universitas Indonesia Publishing.
Tinta, Abdoulganiour Almame, Idrissa Mohamed Ouédraogo, and Ramatu Mahama Al-Hassan. 2022. “The Micro Determinants of Financial Inclusion and Financial Resilience in Africa.” African Development Review (August 2021):293–306. doi: 10.1111/1467-8268.12636.
Widiantri, Komang Sri, Ida Ayu Gd. Dian Febby Mahadewi, Made Suidarma, and I. G. .. Desy Arlita. 2019. “JIMEA | Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi).” 3(3):191–201.
Widyakto, Adhi, Ziyana Wahyu Liyana, and Tri Rinawati. 2022. “The Influence of Financial Literacy, Financial Attitudes, and Lifestyle on Financial Behavior.” Diponegoro International Journal of Business 5(1):33–46. doi: 10.14710/dijb.5.1.2022.33-46.
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2024-06-10
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