PENGARUH FINANCIAL ATTITUDE, FINANCIAL SOCIALIZATION, DAN FINANCIAL EXPERIENCE TERHADAP PERILAKU MANAJEMEN KEUANGAN

RIZKA AFIFA IDELIA, . (2023) PENGARUH FINANCIAL ATTITUDE, FINANCIAL SOCIALIZATION, DAN FINANCIAL EXPERIENCE TERHADAP PERILAKU MANAJEMEN KEUANGAN. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Generasi dewasa muda saat ini, terutama pekerja, tengah berhadapan dengan pengaturan keuangan di area yang menuntut dan berdampak pada perilaku manajemen keuangan. Tujuan dari penelitian ini adalah menguji pengaruh financial attitude, financial socialization, financial literacy, dan financial experience terhadap perilaku manajemen keuangan. Responden penelitian ini pekerja muda berusia 20 – 30 tahun di area Jabodetabek. Pemilihan responden menggunakan metode non-probability sampling dan teknik purposive sampling. Metode pengumpulan data dilakukan dengan cara survei melalui daring. Data dianalisis dengan menggunakan metode exploratory factor analysis (EFA) untuk uji validitas data dan nilai Cronbach’s Alpha untuk uji reliabilitas, serta confirmatory factor analysis (CFA) untuk uji validitas. Selain itu, dilakukan pula uji cross tabulation dan uji common method variance. Uji common method variance ditujukan untuk mengukur bias atau error yang dimiliki dalam uji penelitian ini. Structural equation model (SEM) merupakan metode yang digunakan dalam uji hipotesis penelitian ini. Hasil penelitian menunjukkan bahwa financial attitude dan financial literacy berpengaruh positif dan signifikan terhadap perilaku manajemen keuangan, financial socialization berpengaruh positif dan signifikan terhadap financial literacy, dan financial experience tidak berpengaruh positif, tapi signifikan terhadap perilaku manajemen keuangan. Hasil penelitian ini sejalan dengan theory of planned behavior, yaitu teori yang menyatakan bahwa sikap, tuntutan sosial, intelektual, dan pengalaman memengaruhi baik atau buruknya seseorang dalam berperilaku. Penelitian ini akan membantu pemerintah untuk menemukan cara yang tepat untuk meningkatkan sikap, sosialisasi, dan literasi keuangan yang dimiliki. Selain itu, penelitian ini juga membantu pekerja muda untuk mengetahui hal-hal apa saja yang harus dimiliki dalam untuk meningkatkan kemampuan manajemen keuangan. *** The current generation of young adults, especially workers, are facing financial management in a demanding area that has an impact on financial management behaviour. This study aimed to examine the effect of financial attitudes, financial socialization, financial literacy, and financial experience on financial management behaviour. This study uses respondents with individual criteria aged 20-30 years who have worked in Greater Jakarta. Respondents were selected using non-probability sampling methods and purposive sampling techniques. The data collection method was carried out using a survey through courage. Data were analyzed using the exploratory factor analysis (EFA) method to test the validity of the data and the Cronbach's Alpha value for the reliability test, as well as the Confirmatory Factor Analysis (CFA) for the validity test. In addition, cross-tabulation tests and general method variance tests were also carried out. The general method variance test is intended to measure the bias or error that is owned in testing this research. The structural equation model (SEM) was used to examine the hypothesis. The results showed that financial attitudes and financial literacy had a positive and significant effect on financial management behaviour, financial socialization had a positive and significant effect on financial literacy, and financial experience had no positive but significant effect on financial management behaviour. The results of this study are in line with the theory of planned behaviour, namely the theory which states that attitudes, social demands, intelligence, and experience influence whether a person is good or bad in behaving. This research will help the government find the right way to improve attitudes, outreach, and financial literacy. In addition, this research also helps young workers find out what things they must have to improve their financial management skills.

Item Type:	Thesis (Sarjana)
Additional Information:	1) Dr. Gatot Nazir Ahmad, M.Si. ; 2} M. Edo Suryawan Siregar SE., M.B.A
Subjects:	Manajemen > Manajemen , Business
Divisions:	FE > S1 Manajemen
Depositing User:	Users 20583 not found.
Date Deposited:	11 Sep 2023 06:43
Last Modified:	11 Sep 2023 06:43
URI:	http://repository.unj.ac.id/id/eprint/42022

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