Saving Behavior In Generation Z

Abstract

<jats:p>Penelitian ini memfokuskan pada pengetahuan keuangan dan perilaku menabung pada generasi Z di Kota Bandung. Tujuan dari penelitian ini adalah untuk mengetahui tingkat pengetahuan keuangan generasi Z dan menghubungkan pengetahuan keuangan dengan serangkaian informasi terhadap perilaku menabung generasi Z. Penelitian ini menggunakan kuesioner yang dibagikan kepada responden sebanyak 160 orang dan dianalisis melalui validitas, reliabilitas dan regresi linear sederhana. Hasil penelitian in menunjukkan bahwa pengetahuan keuangan memiliki pengaruh tidak signifikan terhadap perilaku menabung, serta memiliki korelasi yang rendah antara pengetahuan keuangan dan perilaku menabung.In this globalization era, increasing financial literacy, saving awareness, and access to formal financial services are needed to be able to provide benefits for improving welfare and economic conditions. The well-literate young generation will have an influence in creating a more stable state economy. This research focuses on financial knowledge and saving behavior in Generation Z in Bandung. The aimed of this study is to determine the level of financial knowledge of generation Z and relate financial knowledge with a series of information on saving behavior of generation Z. This study used a questionnaire distributed to respondents of 160 people and analyzed through, validation, reliability, and simple linear regression. The results of this study indicate that financial knowledge has no significant effect on saving behavior, and has a low correlation between financial knowledge and saving behavior.</jats:p>

The Effect of Saving Behavior and Financial Literacy on Investment Decisions in the Generation Z Capital Market in Surabaya

“…Achar (2012) defines saving behavior as an individual act of setting aside money currently owned and used for consumption in the future. Saving behavior is an individual's ability and willingness to set aside a portion of their money for savings (Fitri et al, 2014;Rahayu, 2020). Individuals with good saving behavior will use these savings to invest or become investment capital rather than being left in savings (Cheema et al, 2018).…”

Saving Behavior Factors That Influence Generation Z Saving Behavior

“…To make the best choices about savings, investments, and daily expenses, the younger generation must know how to manage their finances.If they don't know, they will eventually have a lackluster financial management strategy, which will impact one's physical, mental, and intellectual well-being. (Rahayu & Nurfauziah, 2020). Generation Z allocates 6.3% savings, only 0.5% investment.…”

The Effect of Financial Literacy and Demographics on the Saving Behavior of the Millennial Generation

“…Saving behavior is a person's behavior in setting aside the income earned to be stored and used in the future (Rahayu, 2020). Research conducted by Alvara Beyond Insight on the millennial generation in Indonesia found that the largest expenditure of the millennial generation is allocated for daily needs, namely 57.3% while 8.85% is for saving (Ali & Purwandi, 2020).…”