Articlediamond2020

Apakah literasi keuangan memengaruhi perilaku konsumsi generasi Z?

14 citations0/0 files storedIMANENSI Jurnal Ekonomi Manajemen dan Akuntansi Islam

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Financial Literacy and Behavior Consumer Behavior and Marketing Influence Financial Literacy, Pension, Retirement Analysis

Abstract

Abstrak Tujuan penelitian ini untuk mengetahui pengaruh literasi keuangan terhadap perilaku konsumtif. Penelitian ini menggunakan pendekatan kuantitatif. Mahasiswa Program Studi DIII Akuntansi Jurusan Akuntansi Politeknik Keuangan Negara STAN adalah responden yang merupakan representasi generasi Z. Analisis data menggunakan analisis deskriptif dan analisis regresi. Hasil penelitian menunjukkan dua hal sebagai berikut, (1) capaian tingkat literasi keuangan mahasiswa adalah 62%, (2) literasi keuangan berpengaruh negatif secara signifikan pada perilaku konsumtif. Dengan demikian, perilaku konsumtif generasi Z dapat diminimalisir melalui peningkatan literasi keuangan. Abstract This study is to determine the effect of financial literacy on consumer behavior by using a quantitative approach. The subjects of this research were students of the Accounting Study Program Department of Accounting, STAN State Polytechnic who are representatives of generation Z. Descriptive and regression to analyze. The results are, (1) the level of student financial literacy is 62%, (2) financial literacy has a significant negative effect on consumer behavior. Thus, the generation Z consumptive behavior can be minimized through increased financial literacy.

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References

1991Why we buy what we buy: A theory of consumption values 2009Measuring Financial Literacy 2022OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion 2022 2014Earlier financial literacy and later financial behaviour of college students 1982Indicators of Consumer Behavior: The University of Michigan Surveys of Consumers 2013Determinates of financial behavior: insights into consumer money attitudes and financial literacy 2013TINGKAT LITERASI KEUANGAN DI KALANGAN MAHASISWA STIE MUSI 2015KONTRIBUSI PEMBELAJARAN DI PERGURUAN TINGGI DAN LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN MAHASISWA

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