Faktor yang Mempengaruhi Financial Behavior pada Pengguna E-Wallet di Jakarta Barat
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Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, financial self-efficacy dan locus of control terhadap financial behavior. Desain penelitian ini menggunakan penelitian deskriptif kuantitatif, dengan data yang diperoleh dari kuesioner google form. Populasi dalam penelitian ini adalah pengguna e-wallet yang lahir tahun 1995-2010 atau disebut Generasi Z dan berdomisili di Jakarta Barat. Sampel yang digunakan dalam penelitian sebanyak 121 responden dengan metode non-probability. Teknik pemilihan sampel yang digunakan adalah purposive sampling. Penelitian ini menggunakan software SmartPLS versi 4.8.6, sebagai alat untuk menganalisis data. Hasil penelitian menunjukan bahwa financial literacy, financial self-efficacy dan locus of control berpengaruh positif dan signifikan terhadap financial behavior pengguna e-wallet Generasi z di Jakarta Barat.
This study aims to analyze the influence of financial literacy, financial self-efficacy, and locus of control. The research design uses quantitative descriptive research, with data obtained from the Google Form questionnaire. The population in this study are e-wallet users who were born in 1995-2010 or are called Generation Z and live in West Jakarta. The sample used in this study was 121 respondents using the non-probability method. The sample selection technique used was purposive sampling. This study uses SmartPLS software version 4.8.6, to operate and testify the data. The results of the study showed that financial literacy, financial self-efficacy and locus of control have a positive and significant effect on the financial behavior of Generation z e-wallet users in West Jakarta.
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