Gen Z’s Financial Dilemma: Convenience Today, Consequences Tomorrow?
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Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan keuangan, sikap keuangan, dan locus of control terhadap perilaku keuangan generasi Z yang menggunakan layanan PayLater. Pendekatan penelitian ini bersifat kuantitatif dengan metode survei, melibatkan 246 responden dari populasi generasi Z yang berdomisili di Jakarta. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan model persamaan struktural (SEM) berbasis SmartPLS. Hasil penelitian menunjukkan bahwa pengetahuan keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan. Sikap keuangan juga memiliki pengaruh positif dan signifikan terhadap perilaku keuangan. Selain itu, locus of control berperan sebagai mediator yang signifikan dalam hubungan antara pengetahuan keuangan dan perilaku keuangan. Temuan ini mengindikasikan bahwa generasi Z yang memiliki tingkat pengetahuan keuangan dan sikap yang lebih baik cenderung menunjukkan perilaku keuangan yang lebih positif, dengan locus of control yang turut memperkuat hubungan tersebut.
This study aims to examine the influence of financial knowledge, financial attitude, and locus of control on the financial behavior of Generation Z users of PayLater services. This research adopts a quantitative approach using a survey method, involving 246 respondents from the Generation Z population residing in Jakarta. Data were collected through questionnaires and analyzed using Structural Equation Modeling (SEM) with SmartPLS. The results indicate that financial knowledge has a positive and significant effect on financial behavior. Financial attitude also positively and significantly influences financial behavior. Furthermore, locus of control serves as a significant mediator in the relationship between financial knowledge and financial behavior. These findings suggest that Generation Z with higher levels of financial knowledge and better financial attitudes tend to exhibit more positive financial behaviors, with locus of control further strengthening this relationship.
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