FAKTOR PREDIKTOR FINANCIAL MANAGEMENT BEHAVIOR GENERASI X

Ida Ida, Sri Zaniarti, Nabilla Ayuningtyas
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Abstract

Kemudahan akses menggunakan internet dalam memenuhi kebutuhan manusia dapat meningkatkan konsumsi. Generasi X sebagai generasi yang mengenal komputer perlu memiliki financial management behavior yang baik agar tidak menimbulkan masalah keuangan. Studi ini bertujuan untuk menguji secara empiris faktor- faktor yang dapat digunakan sebagai prediktor financial management behavior generasi X. Data dikumpulkan dengan menyebarkan kuesioner secara elektronik kepada generasi X yang lahir tahun 1961- 1980 dan terdapat 579 responden yang mengisi lengkap serta diolah dengan menggunakan pendekatan PLS-SEM. Hasil pengolahan diperoleh bahwa self efficacy, internal locus of control, dan Financial Literacy dapat digunakan sebagai faktor yang dapat memprediksi financial management behavior generasi X di kota Bandung Raya dengan responden penelitian yang mayoritasnya berjenis kelamin laki- laki, pendidikan tertinggi Perguruan Tinggi dan bekerja sebagai pegawai. Hasil penelitian ini diharapkan dapat memberikan masukan bagi generasi X agar dapat terus meningkatkan self efficacy, internal locus of control, dan Financial Literacy sehingga dapat meningkatkan financial management behaviornya

 

Ease of access using the internet to meet human needs can increase consumption. Generation X is the generation that knows computers. Generation X needs to have good financial management behavior so as not to cause financial problems. This study aimed to test empirically the factors that can be predictors of generation X financial management behavior. The data were collected using questionnaires electronically to generation X (born in 1961-1980). There were 579 respondents. Data were processed using the PLS–SEM approach. The results of the processing show that self-efficacy, internal locus of control, and financial literacy can be used as factors that can predict the financial management behavior of generation X in the city of Bandung Raya with the majority of research respondents who are male, the highest education is higher education and work as an employee. The results of this study are expected to provide input for generation X to improve self-efficacy, internal locus of control, and financial literacy to improve their financial management behavior.

Keywords

self efficacy; internal locus of control; financial literacy; financial management behavior; generation X

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