Faktor Penentu Kesejahteraan Finansial pada Generasi Muda di Jakarta
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Abstract
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.
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