Pengaruh Lokus Pengendalian dan Pengetahuan Keuangan pada Perilaku Manajemen Keuangan Generasi Milenial dengan Moderasi Pendapatan
Keywords:
Generasi Milenial, Pengendalian Diri, Pengetahuan Keuangan, Perilaku Keuangan
Abstract
Penelitian ini berupaya untuk mengkaji pengaruh dari lokus pengendalian dan
pengetahuan keuangan pada perilaku manajemen keuangan generasi milenial
dengan pendapatan sebagai moderator. Sampel penelitian ini adalah 216 responden
generasi milenial berusia 20 - 39 tahun, yang berdomisili di Surabaya, Gresik dan
Sidoarjo. Analisis data menggunakan model persamaan struktural (PLS-SEM).
Temuan penelitian membuktikan bahwa lokus pengendalian dan pengetahuan
keuangan berdampak positif secara signifikan signifikan pada perilaku keuangan
generasi milenial. Sebaliknya, pendapatan tidak terbukti berpengaruh signifikan
tpada perilaku keuangan. Selain itu, tidak terdapat bukti signifikan bahwa
pedapatan mampu memperkuat pengaruh pengetahuan keuangan terhadap perilaku
keuangan. Hal ini berarti generasi milenial perlu meningkatkan pengetahuan
keuangan serta keyakinan dan kemampuan dalam mengendalikan kondisi
keuangan.
References
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Brailovskaia, J. & Bierhoff, H. W. (2020). The narcissistic millennial generation: A study of personality traits and online behavior on Facebook. Journal of Adult Development, 27(1), 23-35.
Brilianti, T. R.,& Lutfi, L. (2020). Pengaruh pendapatan, pengalaman keuangan dan pengetahuan keuangan terhadap perilaku keuangan keluarga di kota Madiun. Journal of Business and Banking, 9(2), 197 - 213
Chen, H. & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 107–128.
Cobb-Clark, D. A., Kassenboehmer, S. C., & Sinning, M. G. (2016). Locus of control and savings. Journal of Banking & Finance, 73, 113-130.
Dew, J. & Xiao, J. J. (2011). A deeper review of the literature resulted in eight more studies that used financial manage-ment behavior scales. Journal of Financial Counseling and Planning, 22(1), 43–59.
Ghozali, I. & Latan, H. (2013). Partial Least Square Konsep Aplikasi Path Modelling. Badan Penerbit Universitas Diponegoro Semarang.
Grable, J. E., Joo, S. H., & Park, J. (2015). Exploring the Antecedents of Financial Behavior for Asians and Non-Hispanic Whites: The Role of Financial Capability and Locus of Control. Journal of Personal Finance, 14(1), 28-37.
Grohmann, A. (2018). Financial literacy and financial behavior: Evidence from the emerging Asian middle class. Pacific-Basin Finance Journal, 48, 129-143.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: the connection between knowledge and behavior. Federal Reserve Bulletin, (Jul), 309-322.
Henager, R., & Mauldin, T. (2015). Financial literacy: The relationship to saving behavior in low‐to moderate‐income households. Family and Consumer Sciences Research Journal, 44(1), 73-87.
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Iramani, R. & Lutfi, L. (2021). An integrated model of financial well-being: The role of financial behavior. Accounting, 7(3), 691–700.
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69-80.
Kusnandar, D. L., Rinandiyana, L. R., & Siliwangi, U. (2018). a Pakah M Enjadi K Ekinian M Erubah P Erilaku K Euangan. 4(Mei), 55–60.
Lubis, I. S. (2020). Perilaku Finansial Generasi Milenial. News.Detik.Com.
Nababan, D. & Sadalia, I. (2012). Analisis Personal Financial Liteacy Dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara (Personal Financial literacy Analysis And The Financial Behavior Of Undergraduate Students Of The University Of North Sumatra’s Econo. Media Informasi Manajemen, 1, 1–16.
Perry, V. G. & Morris, M. D. (2005). Who is in control? the role of self-perception, knowledge, and income in explaining consumer financial behavior. Journal of Consumer Affairs, 39(2), 299–313.
Putri, I. R. & Tasman, A. (2019). Pengaruh Financial Literacy dan Income terhadap Personal Financial Management Behavior pada Generasi Millennial Kota Padang. Jurnal Kajian Manajemen Dan Wirausaha, 01(1), 151–160.
Rotter, J. B. (1966). Generalized expectancies for internal versus external control of reinforcement. Psychological monographs: General and applied, 80(1), 1-28.
Xiao, J. J. (2008). Applying behavior theories to financial behavior. In Handbook of consumer finance research (pp. 69-81). Springer, New York, NY.
Arifin, A. Z., Kevin, K., & Siswanto, H. P. (2017). The Influence Of Financial Knowledge, Financial Confidence, And Income On Financial Behavior Among Employees In Jakarta. Jurnal Ilmiah: MIX, VII(01), 37–47. h
Arviana GN. (2020). Pahami 7 Karakteristik Generasi Milenial yang Unik. glints.com. Accessed March 1, 2021. https://glints.com/id/lowongan/karakteristik-generasi-milenial
Brailovskaia, J. & Bierhoff, H. W. (2020). The narcissistic millennial generation: A study of personality traits and online behavior on Facebook. Journal of Adult Development, 27(1), 23-35.
Brilianti, T. R.,& Lutfi, L. (2020). Pengaruh pendapatan, pengalaman keuangan dan pengetahuan keuangan terhadap perilaku keuangan keluarga di kota Madiun. Journal of Business and Banking, 9(2), 197 - 213
Chen, H. & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 107–128.
Cobb-Clark, D. A., Kassenboehmer, S. C., & Sinning, M. G. (2016). Locus of control and savings. Journal of Banking & Finance, 73, 113-130.
Dew, J. & Xiao, J. J. (2011). A deeper review of the literature resulted in eight more studies that used financial manage-ment behavior scales. Journal of Financial Counseling and Planning, 22(1), 43–59.
Ghozali, I. & Latan, H. (2013). Partial Least Square Konsep Aplikasi Path Modelling. Badan Penerbit Universitas Diponegoro Semarang.
Grable, J. E., Joo, S. H., & Park, J. (2015). Exploring the Antecedents of Financial Behavior for Asians and Non-Hispanic Whites: The Role of Financial Capability and Locus of Control. Journal of Personal Finance, 14(1), 28-37.
Grohmann, A. (2018). Financial literacy and financial behavior: Evidence from the emerging Asian middle class. Pacific-Basin Finance Journal, 48, 129-143.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: the connection between knowledge and behavior. Federal Reserve Bulletin, (Jul), 309-322.
Henager, R., & Mauldin, T. (2015). Financial literacy: The relationship to saving behavior in low‐to moderate‐income households. Family and Consumer Sciences Research Journal, 44(1), 73-87.
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Iramani, R. & Lutfi, L. (2021). An integrated model of financial well-being: The role of financial behavior. Accounting, 7(3), 691–700.
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69-80.
Kusnandar, D. L., Rinandiyana, L. R., & Siliwangi, U. (2018). a Pakah M Enjadi K Ekinian M Erubah P Erilaku K Euangan. 4(Mei), 55–60.
Lubis, I. S. (2020). Perilaku Finansial Generasi Milenial. News.Detik.Com.
Nababan, D. & Sadalia, I. (2012). Analisis Personal Financial Liteacy Dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara (Personal Financial literacy Analysis And The Financial Behavior Of Undergraduate Students Of The University Of North Sumatra’s Econo. Media Informasi Manajemen, 1, 1–16.
Perry, V. G. & Morris, M. D. (2005). Who is in control? the role of self-perception, knowledge, and income in explaining consumer financial behavior. Journal of Consumer Affairs, 39(2), 299–313.
Putri, I. R. & Tasman, A. (2019). Pengaruh Financial Literacy dan Income terhadap Personal Financial Management Behavior pada Generasi Millennial Kota Padang. Jurnal Kajian Manajemen Dan Wirausaha, 01(1), 151–160.
Rotter, J. B. (1966). Generalized expectancies for internal versus external control of reinforcement. Psychological monographs: General and applied, 80(1), 1-28.
Xiao, J. J. (2008). Applying behavior theories to financial behavior. In Handbook of consumer finance research (pp. 69-81). Springer, New York, NY.
Published
2021-05-31
How to Cite
Fatmawati, I., & Lutfi. (2021). Pengaruh Lokus Pengendalian dan Pengetahuan Keuangan pada Perilaku Manajemen Keuangan Generasi Milenial dengan Moderasi Pendapatan. Jurnal Manajemen Dan Keuangan, 10(1), 58-71. https://doi.org/10.33059/jmk.v10i1.3340
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