Analisis Pengaruh Literasi Keuangan, Sikap Keuangan, Pengalaman Keuangan, Locus of Control, Gaya Hidup, dan Pendapatan Terhadap Perilaku Keuangan Generasi Milenial
Daftar Isi:
- Indonesia in 2020 has a demographic bonus in the form of a population with a productive age of 70.72 percent. This age is dominated by the millennial generation as the future economic driver. Economic success can be supported by effective financial management by the millennial generation. It's just that the productivity of the millennial generation on the economy has polemics about how they manage finances, respond to finances and receive financial information so that it affects the way they behave towards finances. In fact, the millennial generation is considered more creative than the previous generation. Financial behavior is the way an individual has and the amount of desire to fulfill his life needs in accordance with the level of income earned. Financial behavior is also a person's ability to manage, namely planning, budgeting, checking, managing, controlling, finding and storing daily financial funds. This study aims to examine the effect of financial literacy, financial attitudes, financial experience, locus of control, lifestyle and income on financial behavior. The data collection method in this study was a questionnaire distributed via a Google Form link. The number of respondents from this study amounted to 255 respondents who are millennials who live in the Surabaya-Sidoarjo area. The data analysis technique uses path analysis (SEM-PLS) which produces multiple linear regression equations using the SmartPLS application. The results of this study indicate that: 1) Financial literacy has no effect on financial behavior. 2) Financial attitudes affect financial behavior. 3) Financial experience influences financial behavior. 4) Locus of control has an effect on financial behavior. 5) Lifestyle has no effect on financial behavior. 6) Income has no effect on financial behavior. Keywords : Financial Literacy, Financial Attitudes, Financial Experience, Locus of Control, Lifestyle, Income, Financial Behavior, Millennial Generation