Financial Literacy, Money Attitude, Dan Financial Management Behavior Generasi Milenial

Abstract

Perkembangan teknologi dan gaya hidup generasi milenial mendorong perilaku konsumtif sehingga pentingya mengetahui faktor- faktor yang memengaruhi financial management behavior generasi milenial agar tidak terjebak pada masalah keuangan. Penelitian ini mempunyai tujuan untuk menguji pengaruh financial literacy dan money attitude dari dimensi power prestige dan anxiety terhadap financial management behavior pada generasi millenial yang tinggal di Bandung. Teknik pengambilan sampel dengan metode sampling non-probability yaitu teknik purposive sampling. Sampel berjumlah 1.120 responden yang mayoritas adalah perempuan dan berpendidikan perguruan tinggi. Dari hasil pengujian menggunakan analisis regresi berganda menunjukkan financial literacy dan money attitude dari dimensi power prestige mempunyai pengaruh yang signifikan terhadap financial management behavior sedangkan money attitude-anxiety tidak mempunyai pengaruh terhadap financial management behavior pada generasi millenial yang tinggal di Bandung. Penelitian ini menyarankan peningkatan financial literacy dan money attitude- Power-prestige bagi generasi milenial, adanya kurikulum pendidikan mengenai literasi keuangan, dan bagi peneliti selanjutnya dapat melakukan penelitian bagi generasi milenial di luar kota Bandung serta meneliti faktor- faktor lain yang memengaruhi financial management behavior. Technological developments and the lifestyle of the millennial generation encourage consumptive behavior, so it is important to know the factoes that influence the financial management behavior of the millennial generation so that they are not trapped in financial problems. The purpose of this study was to empirically examine the effect of financial literacy and money attitude form the dimensions of power prestige and anxiety on financial management behavior in the millennial generation living in Bandung. This study uses a non-probability sampling method with a purposive sampling technique. The sample consisted of 1,120 respondents, the majority of whom were women and had university education. From the test results using multiple regression analysis shows that financial literacy and money attitude from the power prestige dimension have a significant effect on financial management behavior, while money attitude from the anxiety dimension has no effect on financial management behavior in the millennial generation who live in Bandung. in Bandung. This study suggests an increase in financial literacy and money attitude from the Power-prestige dimension for the millennial generation, the existence of an educational curriculum regarding financial literacy, and for further researchers to conduct research for millennials outside Bandung and examine other factors that influence financial management behavior.

Pengaruh Financial Literacy, Materialism, Risk Perception, dan Money Value terhadap Propensity to Indebtedness

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The Influence of Financial Attitude, Financial Literacy, and Locus of Control on Financial Management Behavior (Study Case Working-Age of Semarang)

“…Lack of saving, investing, emergency fund planning, and budgeting activities funds for the future will arise when people's financial behavior in Indonesia tends to be consumptive because it is not responsible financial management behavior (Herdjiono & Damanik, 2016). Technological developments bring about many changes in patterns and lifestyles (Ida et al, 2020). The result of Otoritas Jasa Keuangan (OJK) survey in 2016, only 29.66% of the population that has knowledge, skill, creditability, attitude, and behavior that sufficient in use finance product and service, it is mean at this moment there are many people still need to give a financial education so that can minimalize the risk of a financial problem (Pradiningtyas & Lukiastuti, 2019).…”

Financial Management Behaviour of Mobile Legend Gamers

“…Conversely, if someone's financial literacy are getting lower, the worse their financial management will be. This is supported by research by [21]; [22]; [23]; [24]; [25] ; [26], proves that people with a good understanding of financial issues are more likely to manage their finances well. Armed with good financial information, a person will really want to act financially appropriately to handle his or her funds [27].…”