PENGARUH LITERASI KEUANGAN, KONFORMITAS TEMAN SEBAYA, DAN KECEMASAN FINANSIAL TERHADAP PERILAKU KEUANGAN GENERASI Z DI JABODETABEK

AKMELIA ZAHRA, . (2026) PENGARUH LITERASI KEUANGAN, KONFORMITAS TEMAN SEBAYA, DAN KECEMASAN FINANSIAL TERHADAP PERILAKU KEUANGAN GENERASI Z DI JABODETABEK. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan menganalisis pengaruh Literasi Keuangan, Konformitas Teman Sebaya, dan Kecemasan Finansial terhadap Perilaku Keuangan Generasi Z di Jabodetabek. Penelitian menggunakan pendekatan kuantitatif dengan desain eksplanatori dan cross-sectional. Data diperoleh melalui kuesioner yang disebarkan melalui media sosial dan secara langsung kepada 196 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan regresi linear berganda melalui IBM SPSS Statistics 32. Hasil penelitian menunjukkan bahwa Literasi Keuangan berpengaruh positif dan signifikan terhadap Perilaku Keuangan, sedangkan Konformitas Teman Sebaya berpengaruh negatif dan signifikan. Sementara itu, Kecemasan Finansial tidak berpengaruh signifikan terhadap Perilaku Keuangan. Nilai Adjusted R Square sebesar 0,288 menunjukkan bahwa ketiga variabel mampu menjelaskan 28,8% variasi Perilaku Keuangan, sedangkan 71,2% sisanya dijelaskan oleh faktor lain di luar model penelitian. Temuan ini menegaskan pentingnya pemahaman keuangan dan kemandirian dalam mengambil keputusan keuangan pada Generasi Z. ***** This study aims to analyze the effects of Financial Literacy, Peer Conformity, and Financial Anxiety on the Financial Behavior of Generation Z in the Greater Jakarta area. This study employed a quantitative approach with an explanatory and cross-sectional design. Data were collected through questionnaires distributed via social media and in person to 196 respondents selected using purposive sampling. The data were analyzed using multiple linear regression with IBM SPSS Statistics 32. The results indicate that Financial Literacy has a positive and significant effect on Financial Behavior, while Peer Conformity has a negative and significant effect. Meanwhile, Financial Anxiety has no significant effect on Financial Behavior. The Adjusted R Square value of 0.288 indicates that the three variables explain 28.8% of the variation in Financial Behavior, while the remaining 71.2% is explained by other factors outside the research model. These findings emphasize the importance of financial understanding and independence in financial decision-making among Generation Z.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Suparno, S.Pd., M.Pd. ; 2). Fitra Dila Lestari, M.Pd
Subjects:	Ilmu Sosial > Teori Ekonomi Ilmu Sosial > Keuangan Pendidikan > Teori, Penelitian Pendidikan Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Akmelia Zahra .
Date Deposited:	24 Aug 2026 01:44
Last Modified:	24 Aug 2026 01:44
URI:	http://repository.unj.ac.id/id/eprint/72905

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