FAKTOR-FAKTOR YANG MEMPENGARUHI FINANCIAL LITERACY PADA GENERASI Z DI DKI JAKARTA
Abstract
Financial literacy is currently a problem for some people, especially for Generation Z. This study aims to analyze the relationship of several variables, namely financial knowledge, financial attitudes, and financial behavior to financial literacy in Generation Z in DKI Jakarta. This study used a quantitative approach and primary data whose data sources were collected through the distribution of questionnaires as many as 135 respondents in the form of Generation Z in DKI Jakarta. This data is processed using applications called SPSS version 25, and AMOS version 21. The data analysis method uses the SEM tool. The finding from this study is that financial knowledge negatively affects financial literacy. financial attitudes have a positive effect on financial literacy. Meanwhile, financial behavior negatively affects financial literacy, financial knowledge, financial attitudes, and financial behavior are positively interconnected. This research is expected to increase financial literacy by attending various formal and non-formal education
References
Ali, M., Qamar, J., Asif, M., Khemta, N., & Jamil, H. (2016). How Knowledge and Financial Self-Efficacy Moderate the Relationship between Money Attitudes and Personal Financial Management Behavior. European Online Journal of Natural and Social Sciences, 5(2), 296–308. www.european-science.com
Banthia, D., & Dey, S. K. (2022). Impact of Financial Knowledge, Financial Attitude and Financial Behaviour on Financial Literacy: Structural Equitation Modeling Approach. Universal Journal of Accounting and Finance, 10(1), 327–337. https://doi.org/10.13189/ujaf.2022.100133
Beni, S. & Manggu. B. (2019). Cunseling Of Family Financial Management Literacy Program Keluarga Harapan Beneficiaries. Diseminasi. 1(2). 83-88.
Cahyani, P., & Rochmawati, R. (2021). Pengaruh Pengetahuan Keuangan, Teman Sebaya, dan Parental Income terhadap Perilaku Keuangan dengan Self-Control sebagai Moderasi. Jurnal Ecogen, 4(2), 224. https://doi.org/10.24036/jmpe.v4i2.11232
Ghozali, I. (2017). Model Persamaan Struktural Konsep Dan Aplikasi Program AMOS 24. Semarang: Badan Penerbit Universitas Diponegoro.
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude,Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan| Journal of Theory and Applied Management, 9(3), 226–241. https://doi.org/10.20473/jmtt.v9i3.3077
Kemal, Worokinasih Saparila, &, & Darmawan Ari. (2020). Pengaruh Financial Knowledge Dan Financial Attitude Terhadap Financial Behavior Pada Youth Entrepreneur Kota Malang. Jurnal Administrasi Bisnis, Ekosistem Strat p, 140.
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255
Laturette, K., Widianingsih, L. P., & Subandi, L. (2021). Literasi Keuangan Pada Generasi Z. Jurnal Pendidikan Akuntansi (JPAK), 9(1), 131–139. https://doi.org/10.26740/jpak.v9n1.p131-139
Lianto Rizky & Sri Megawati Elizabeth. (2017). Analisis Pengaruh Financial Attitude, Financial Knowledge, Income Terhadap Financial Behavior di Kalangan Ibu Rumah Tangga Palembang (Studi Kasus Kecamatan Ilir Timur I). Journal of Business and Banking, 3(2), 1–12. https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwjqmZjZoqHzAhXZT30KHbx8D_0QFnoECAMQAQ&url=https%3A%2F%2Fcore.ac.uk%2Fdownload%2Fpdf%2F153523812.pdf&usg=AOvVaw1kmMr9I3OOd53w9onPxOx7
Listiani, K., & Kurniawati, S. L. (2017). Studi Financial Management Behavior Pada Universitas, Sekolah Tinggi Dan Akademi. Studi Financial Management Behavior Pada Universitas, Sekolah Tinggi Dan Akademi, 1–11.
Marheni, D. K. (2020). Pengaruh Financial Attitude, Financial Education, Financial Knowledge, Financial Experience, Dan Financial Behavior Terhadap Financial Literacy Pada Pelajar Kota Batam. Journal of Global Business and Management Review, 2(1), 21. https://doi.org/10.37253/jgbmr.v2i1.790
Ningtyas, M. N. (2019). Literasi Keuangan pada Generasi Milenial. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 13(1), 20–27. https://doi.org/10.32812/jibeka.v13i1.111
Rai, K., Dua, S., & Yadav, M. (2019). Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach. FIIB Business Review, 8(1), 51–60. https://doi.org/10.1177/2319714519826651
Shanti, S. V. br S., & Helena Anggraeni (Reni) Tjondro Sugianto. (2019). Peranan Wanita Dayak Dalam Pengelolaan Keuangan Keluarga Di Desa Untang Kalimantan Barat. Business, Economics and Entrepreneurship, 1(2), 43–50. https://doi.org/10.46229/b.e.e..v1i2.128
Siahaan, S. V. br, & Sugianto, H. A. T. (2020). JBEE : Journal Business Economics and Entrepreneurship. Journal Business Economics and Entrepreneurship, 2(1).
Sugiyono. (2017). Metode Penelitian Bisnis: Pendekatan Kuantitatif, Kualitatif, Kombinasi, dan R&D. Alfabeta.
Sugiyono. (2018). Metode Penelitian Kuantitatif. Bandung: Alfabeta.
Widi Asih, S., Khafid, M., Pendidikan Ekonomi, J., & Ekonomi, F. (2020). Economic Education Analysis Journal Terakreditasi SINTA 5 Pengaruh Financial Knowledge, Financial Attitude dan Income terhadap Personal Financial Management Behavior melalui Locus Of Control sebagai Variabel Intervening How to Cite. Eeaj, 9(3), 748–767. https://doi.org/10.15294/eeaj.v9i1.42349
Widiyati, S., Wijayanto, E., & Prihartiningsih, P. (2018). Financial Literacy Model at Micro Small Medium Entreprise (MSMEs). MIMBAR : Jurnal Sosial Dan Pembangunan, 34(2), 255–264. https://doi.org/10.29313/mimbar.v34i2.2914
YULIANI, Y. (2019). The Effect of Financial Knowledge on Financial Literacy with Mediated by Financial Behavior in Society of Palembang City South Sumatera. Mix Jurnal Ilmiah Manajemen, 9(3), 421. https://doi.org/10.22441/mix.2019.v9i3.003
Copyright (c) 2022 sofiah baisa, Farah Margaretha Leon
This work is licensed under a Creative Commons Attribution 4.0 International License.