PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN PADA GENERASI Z DI KOTA MEDAN DIMEDIASI OLEH PERILAKU KONSUMTIF

Penulis

DOI:

https://doi.org/10.31000/competitive.v8i2.11504

Kata Kunci:

Financial Literacy, Lifestyle, Financial Management and Consumptive Behavior

Abstrak

Born in the modern era with easy access Generation Z was born in the modern era with easy access to technology which continues to develop resulting in ease of accessing all needs via the internet but because of this lifestyle. Generation Z has access to better technology than previous generations. Generation Z has a lack of financial management skills which causes them to experience difficulty in managing their finances. The aim of this research is to examine and analyze the influence of Financial Literacy and Lifestyle on Financial Management in Generation Z in Medan City, mediated by consumer behavior directly or indirectly. The approach used in this research is a quantitative approach. The population in this study is Generation Z located in Medan City with the districts of Medan Helvetia, Medan Marelan, East Medan, West Medan, Medan Deli whose numbers are unknown. The sample in this study used the Nonprobability Sampling method with an Incidental Sampling technique totaling 100 Generation Z people. The data collection technique in this research used a questionnaire technique. Data processing in this research uses the PLS (Partial Least Square) software program. The results of this research prove that Financial Literacy directly has a significant influence on Financial Management of Generation Z in Medan City, Lifestyle has a significant influence on Financial Management of Generation Z in Medan City, Financial Literacy has a significant influence on Consumer Behavior of Generation Z in Medan City, Lifestyle has a significant effect on Consumptive Behavior in Generation Z in Medan City, Consumptive Behavior has no significant effect on Financial Management in Generation Z in Medan City, Financial Literacy has no significant effect on Financial Management through Consumptive Behavior in Generation Z in Medan City, and Lifestyle has no effect significant impact on Financial Management through Consumptive Behavior in Generation Z in Medan City.

Biografi Penulis

  • Linzzy Pratami Putri, Universitas Muhammadiyah Sumatera Utara
    Manajemen

Referensi

Anggarasari, R, E. (2012). Hubungan Tingkat Religiusitas dengan Sikap Konsumtif pada Ibu Rumah Tangga. Psikologika. Jurnal Pemikiran Dan Penelitian Psikologi, 4(2), 15–23.

Arifa, J. S. N., & Setiyani, R. (2020). Pengaruh Pendidikan Keuangan di Keluarga, Pendapatan, dan Literasi Keuangan terhadap Financial Management Behavior Melalui Financial Self-Efficacy Sebagai Variabel Mediasi. Economic Education Analysis Journal, 9(2), 552–568. https://doi.org/10.15294/eeaj.v9i2.39431

Buderini, L., Gama, A. W. S., & Astiti, N. P. Y. (2023). Pengaruh Literasi Keuangan, Gaya Hidup, Dan Pendapatan Terhadap Kemampuan Pengelolaan Keuangan Pribadi Mahasiswa Generasi Z. KRISNA: Kumpulan Riset Akuntansi, 15(1), 90–101. https://doi.org/10.22225/kr.15.1.2023.90-101

Busman, S. A., Hartini, H., & Santoso, A. (2022). Peran Pengetahuaan Keuangan, Gaya Hidup Hedonisme, Kontrol Diri,Dan Literasi Keuangan Dalam Manajemen Keuangan Pribadi Generasi Z Di Kabupaten Sumbawa. Jurnal EK&BI, 5, 2620–7443. https://doi.org/10.37600/ekbi.v5i2.680

Cahyasari, D., & Pahala, I. (2023). Systematic Literature Review : Analisis Perilaku Pengelolaan Keuangan pada Generasi Z di Indonesia. Jurnal British, 3(2), 1–09.

Cristanti, I. L., Luhsasi, D. I., & Sitorus, D. S. (2021). Pengaruh Perilaku Konsumtif Dan Mental Accounting Terhadap Pengelolaan Keuangan Mahasiswa FKIP UKSW. JAP (Jurnal Akuntansi Dan Pajak), 22(31), 128–135.

Fungky, T., Sari, T. P., & Sanjaya, V. F. (2021). Pengaruh Gaya Hidup Serta Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Z pada Masa Pandemi (Studi Kasus Mahasiswa/I Manajemen Bisnis Syariah, Uin Raden Intan Lampung Angkatan 2019). Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen Dan Kewirausahaan, 1(1), 82–98.

Ghozali, I., & Latan, H. (2015). Partial Least Squares Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0 Untuk Penelitian Empiris (2nd ed.). BP UNDIP.

Gunawan, A., Fradya, W., & Fauziah, F. (2022). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif (Studi Kasus Pada Mahasiswa Jurusan Manajemen Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Sumatera Utara). Jurnal Akuntansi Dan Pajak, 23(2), 24–35.

Gunawan, A., Mukmin, M., Wahyuni, S. F., & Sari, M. (2023). Factors Affecting Financial Management Behavior Of Paylater Users In Indonesia: Examining The Moderating Role Of Locus Of Control. Investment Management and Financial Innovations, 20(4), 171–181. https://doi.org/10.21511/imfi.20(4).2023.15

Gunawan, A., Pirari, W. S., & Sari, M. (2020). Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa Prodi Manajemen Universitas Muhammadiyah Sumatera Utara. Jurnal Humaniora: Jurnal Ilmu Sosial, Ekonomi Dan Hukum, 4(2), 23–35.

Jufrizen, J., & Ariza, C. (2022). Mediation Role of Financial Attitude on The Influence of Financial Knowledge on Financial Behavior. Journal Of Management Analytical and Solution (JoMAS), 2(3), 8–25. https://doi.org/10.32734/jomas.v2i3.9177

Juliandi, A. (2018). STRUCTURAL EQUATION MODEL PARTIAL LEAST SQUARE ( SEM-PLS ) DENGAN SMARTPLS.

Oktaviani, M., Oktaria, M., & Alexandro, R. (2023). Pengaruh Literasi Keuangan terhadap Perilaku Konsumtif Generasi Z pada Mahasiswa. Jurnal Ilmiah Ilmu Sosial, 9(2), 136–145. https://doi.org/https://doi.org/10.23887/jiis.v9i2.68587

Prasinta, F. I., Wiyono, G., & Maulida, A. (2023). Pengaruh Literasi Keuangan, Gaya Hidup, dan Kontrol Diri terhadap Perilaku Konsumtif di Kalangan Generasi Z. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(6), 3028–3038. https://doi.org/10.47467/alkharaj.v5i6.2703

Prihastomo, T. (2024). 4 Tips Mengelola Keuangan yang Cocok dengan Karakteristik Gen Z. 2024. https://mediakeuangan.kemenkeu.go.id/article/show/4-tips-mengelola-keuangan-yang-cocok-dengan-karakteristik-gen-z

Pulungan, D. R., Koto, M., & Syahfitri, L. (2018). Pengaruh Gaya Hidup Hedonis Dan Kecerdasan Emosional Terhadap Perilaku Keuangan Mahasiswa. Seminar Nasional Royal (SENAR), 401–406.

Putri, N. A., & Lestari, D. (2019). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Pengelolaan Keuangan Tenaga Kerja Muda di Jakarta. AKURASI: Jurnal Riset Akuntansi Dan Keuangan, 1(1), 31–42. https://doi.org/10.36407/akurasi.v1i1.61

Radiman, R., Wahyuni, S. F., & Lestari, S. (2023). The Influence of Financial Literacy and Personal Financial Attitude on Financial Behavior with Lifestyle as an Intervening Variable on Productive Generation Y in Medan City. Journal of International Conference Proceedings, 6(3), 245–259. https://doi.org/10.32535/jicp.v6i3.2568

Ramadhani, K., Putri, P. L., & Sari, K. D. C. (2023). Pengaruh Literasi Keuangan, Locus of Control, Dan Gaya Hidup Terhadap Pengelolaan Keuangan Pribadi Pada Generasi Z Di Kabupaten Banyumas. Jurnal EBI, 5(2), 67–76. https://doi.org/10.52061/ebi.v5i2.177

Rohamanto, F., & Susanti, A. (2021). Pengaruh Literasi Keuangan, Lifestyle Hedonis, Dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa. ECOBISMA (Jurnal Ekonomi, Bisnis Dan Manajemen), 8(1), 40–48. https://doi.org/10.37858/publisitas.v9i1.156

Rumbianingrum, W., & Wijayangka, C. (2018). Pengaruh Literasi Keuangan terhadap Pengelolaan Keuangan UMKM. Jurnal Manajemen Dan Bisnis, 2(3), 155–165. https://doi.org/10.59971/jamapedik.v1i2.53

Safitri, L. A., & Dewa, C. B. (2022). Analisa Pengaruh Literasi Keuangan Melalui Media Sosial Instagram Terhadap Pengelolaan Keuangan Generasi-Z. ASSET: Jurnal Manajemen Dan Bisnis, 5(2), 65–73. https://doi.org/10.24269/asset.v5i2.6030

Setiadi, J. (2013). Perilaku Konsumen Konsep dan Implikasi untuk Strategi dan Penelitian Pemasaran. Jakarta : Kencana.

Setyawati, N. (2010). Hubungan antara Harga Diri dengan Perilaku Konsumtif pada Remaja. Universitas Muhammadiyah Surakarta. Jurnal Ilmu Manajemen Magistra, 2(2), 86–97.

Sugiharti, H., & Maula, K, A. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa. Journal of Accounting and Finance, 4(2), 804–818.

Ulfah, M., Ellyawati, N., & Astuti, R. F. (2022). Pengaruh Modernitas dan Gaya Hidup terhadap Perilaku Konsumsi Mahasiswa. Jurnal Pendidikan Ekonomi Undiksha, 14(2), 238–239.

Wahyuni, S. F., Radiman, & Kinanti, D. (2023). Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa. Owner : Riset & Jurnal Akuntansi, 7(1), 656–671. https://doi.org/10.33395/owner.v7i1.1304

Wahyuni, S. F., Radiman, R., Hafiz, M. S., & Jufrizen, J. (2023). Financial Literacy And Financial Attitude On Financial Management Behavior: An Examination Of The Mediating Role Of The Behavioral Intention Of Students at Private Universities in Indonesia. Investment Management and Financial Innovations, 20(3), 239–250. https://doi.org/10.21511/imfi.20(3).2023.20

Yashika, M., & Siregar, Q. (2023). Pengaruh Literasi Keuangan, E-Money, Gaya Hidup Dan Kontrol Diri Terhadap Perilaku Konsumtif. Jurnal Sosial Dan Ekonomi, 3, 144–145.

Yosefa Renan Panu. (2024). Pengaruh Gaya Hidup Hedonisme, Prilaku Konsumtif dan Pentingnya Literasi Keuangan terhadap Pengelolaan Keuangan Pribadi Mahasiswa Asrama Asmadewa Yogyakarta. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6(4), 4436–4452. https://doi.org/10.47467/alkharaj.v6i4.941

Unduhan

Diterbitkan

2024-08-14

Terbitan

Vol 8 No 2 (2024): Competitive Jurnal Akuntansi dan Keuangan

Bagian

Articles

Lisensi

 

The authors who publish in this journal agree to the following terms:

 

The authors retain copyright and grant the journal the right of first publication, with the work simultaneously licensed under a Lisensi Atribusi Creative Commons (CC BY) that allows others to share the work with acknowledgment of the work’s authorship and its initial publication in this journal.

 

Authors may enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (for example, posting it to an institutional repository or publishing it in a book), with acknowledgment of its initial publication in this journal.

 

Authors are permitted and encouraged to post their work online (for example, in institutional repositories or on their personal websites) prior to and during the submission process, as this can lead to productive exchanges as well as earlier and greater citation of the published work (see The Pengaruh Akses Terbuka ).

 

The Competitive Journal of Accounting and Finance applies the CC-BY-SA license or its equivalent as the optimal license for the publication, distribution, use, and reuse of scholarly works.

 

In developing strategies and setting priorities, the Competitive Journal of Accounting and Finance of Muhammadiyah University of Tangerang recognizes that free access is better than paid access, gratis access is better than restricted access, and libre under CC-BY-SA or its equivalent is better than libre under more restrictive open licenses. We must achieve what we can when we can. We must not delay achieving freedom in order to reach libre, and we must not stop at freedom when we can achieve libre.