Faktor Penentu Kesejahteraan Finansial pada Generasi Muda di Jakarta

Abstract

Penelitian ini bertujuan untuk meninjau keterkaitan antara financial attitude dan locus of control terhadap financial well-being dengan financial behavior sebagai variabel mediasi. Pengumpulan data yang digunakan merupakan metode non-probability dengan teknik purposive sampling. Sampel penelitian merupakan generasi muda berusia 11-26 tahun yang berdomisili di Jakarta Barat. Penelitian mendapatkan sebanyak 187 responden generasi z telah bekerja dan memiliki penghasilan yang dikumpulkan melalui google form secara daring. Teknik analisis menggunakan structured equation model dengan bantuan program Smart-PLS 4.0.9.6. Hasil penelitian menunjukkan bahwa financial attitude dan locus of control memiliki hubungan signifikan secara positif terhadap financial behavior dan financial well-being. Selain itu financial behavior dapat mempengaruhi financial well-being. Namun penelitian ini menunjukkan variabel financial behavior tidak memediasi hubungan antara financial attitude dengan financial well-being. Begitu juga dengan locus of control tidak memiliki pengaruh pada financial well-being jika dimediasi oleh financial behavior.   The purpose of this study is to determine the influence of financial attitude and locus of control to financial well-being with financial behavior as intervening variable. This study used non probability method with a purposive sampling technique. The sample for this research are young generation aged 11-26 living in West Jakarta. Data was obtained through questionnaires distributed on 187 respondents of generation z that had worked and had income on their own. Data was analyzed with SEM through Smart-PLS 4.0.9.6. software, The research results show that financial attitudes and locus of control have a positive effect on financial behavior and financial well-being. Apart from that, financial behavior can influence financial well-being. However, the study indicated that financial behavior variables do not mediate the relationship between financial attitudes and financial well-being. Likewise, locus of control has no influence on financial well-being if it is mediated by financial behavior.