Penentu Perilaku Keuangan Karyawan Muda Di Jakarta Dengan Literasi Keuangan Sebagai Variabel Mediasi
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Abstract
The purpose of this study is to determine whether the financial behavior of young employees can be measured through financial literacy, where the level of financial literacy in this study is seen based on financial attitudes and financial socialization. Sample collection was carried out using the Google Form online questionnaire with a non-probability sampling method of the type of purposive sampling with a total of 100 young employee respondents in Jakarta. Data processing is performed by the PLS-SEM method and calculations on the SmartPLS application 3.2.8. The results of this study indicate that financial attitudes and financial socialization, as well as financial literacy mediation variables have a significant positive effect on financial behavior. Meanwhile, financial attitudes have an insignificant indirect effect on financial behavior, through financial literacy.
Tujuan penelitian ini adalah untuk mengetahui apakah perilaku keuangan karyawan muda dapat diukur melalui literasi keuangan nya, dimana tingkat literasi keuangan dalam penelitian ini dilihat berdasarkan sikap keuangan dan sosialisasi keuangan seseorang. Pengumpulan sampel dilakukan dengan menggunakan kuesioner online Google Form dengan metode non-probability sampling berjenis purposive sampling dengan total 100 responden karyawan muda di Jakarta. Pengolahan data dilakukan dengan metode PLS-SEM dan kalkulasi pada aplikasi SmartPLS 3.2.8. Hasil penelitian ini menunjukan bahwa sikap keuangan dan sosialisasi keuangan, serta variabel mediasi literasi keuangan memiliki pengaruh positif signifikan terhadap peilaku keuangan. Sedangkan, sikap keuangan memiliki pengaruh tidak langsung yang tidak signifikan terhadap perilaku keuangan, melalui variabel mediasi literasi keuangan.
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