PENINGKATAN KEMAMPUAN PERENCANAAN KEUANGAN GENERASI Z MELALUI LITERASI KEUANGAN DAN PENGALAMAN KEUANGAN
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Aug 26, 2022
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Abstract
Aktivitas di pasar modal dalam tiga tahun terakhir didominasi oleh Generasi Z. Namun, Generasi Z dinilai belum memiliki kesadaran dan pemahaman yang cukup tentang perencanaan keuangan dan literasi keuangan yang merupakan hal penting dalam berinvestasi. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan pengalaman keuangan terhadap perencanaan keuangan. Populasi dalam penelitian ini adalah mahasiswa S1/D3 manajemen Universitas Widyatama yang mengikuti kegiatan PKM: Smart Financial Planning for Better Life. Teknik pengambilan sampel yang digunakan adalah Non Probability Sampling-purposive sampling dengan jumlah sampel sebanyak 100 responden. Analisis data yang digunakan adalah regresi linier berganda dengan taraf signifikansi 5%. Hasil penelitian menunjukkan bahwa literasi keuangan dan pengalaman keuangan berpengaruh terhadap perencanaan keuangan. Hasil penelitian ini diharapkan dapat menambah pengetahuan dalam pengelolaan keuangan sebagai upaya meningkatkan kualitas perencanaan keuangan investor melalui peningkatan literasi keuangan dan pengalaman keuangan.
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References
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Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295.
Rosyid, M., & Iramani, R. (2022). Attaining Financial well-being: The Essential Effects of Financial Experience, Status, and Behavior. Marketing International Seminars and The 4Th International Conference On Business and Banking Innovations, 56-66S.
Safitri, A., & Kartawinata, B. R. (2020). Pengaruh Financial Socialization dan Financial Experience Terhadap Financial Management Behavior ( Studi pada Wanita Bekerja di Kota Bandung). Jurnal Ilmu Keuangan Dan Perbankan (JIKA), 9(2).
Salisa, N. R. (2020). Faktor yang Mempengaruhi Minat Investasi Di Pasar Modal: Pendekatan Theory Of Planned Behaviour (TPB). Jurnal Akuntansi Indonesia, 9(2), 182–194.
Saraswati, A. M., & Nugroho, A. W. (2021). Perencanaan Keuangan dan Pengelolaan Keuangan Generasi Z di Masa Pandemi Covid 19 melalui Penguatan Literasi Keuangan. Warta LPM, 24(2), 309–318. https://doi.org/10.23917/warta.v24i2.13481
Sobaya, S., & Hidayanto, M. F. (2016). PENGARUH LITERASI KEUANGAN DAN LINGKUNGAN SOSIAL TERHADAP PERENCANAAN KEUANGAN PEGAWAI DI UNIVERSITAS ISLAM INDONESIA YOGYAKARTA. Madania, 20(1), 115–128.
Surendar, G., & Subramanya Sarma, V. V. (2018). Financial literacy and financial planning among teachers of higher education - a study of critical factors of select variables. International Journal of Pure and Applied Mathematics, 118(18), 1627–1649. https://amity.edu/UserFiles/admaa/97cf8Paper 3.pdf
Susanto, Y. B., Nusantara, U. M., Setiawan, J., Nusantara, U. M., Ariyanto, S., & Nusantara, U. M. (2022). FINANCIAL PLANNING FOR MILLENNIALS AND GEN-Z ( STUDY OF MILLENNIALS AND GEN-Z FINANCIAL BEHAVIOR ). 14(1), 156–168.
Wolla, S. (2017). Evaluating the Effectiveness of an Online Module for Increasing Financial Literacy. Social Studies Research and Practice, 12(2), 154–167.
Arifin, A. Z., & Widjaya, I. (2022). The Effect of Financial Knowledge, Financial Experience, and Locus of Control Towards Investment Decision of Non-Depository Investors. Proceedings of the 3rd Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2021), 655(Ticash 2021), 761–766. https://doi.org/10.2991/assehr.k.220404.120
Astuti, R. N., & Hartoyo, H. (2013). Pengaruh Nilai, Tingkat Pengetahuan, dan Sikap Terhadap Perencanaan Keuangan Hari Tua. Jurnal Ilmu Keluarga Dan Konsumen, 6(2), 109–118.
Christian, S., & Wiyanto, H. (2020). Pengaruh Sikap Keuangan, Sosial, dan Pengetahuan Keuangan terhadap Perencanaan Keuangan Pribadi. Jurnal Manajerial Dan Kewirausahaan, 2(3), 820. https://doi.org/10.24912/jmk.v2i3.9596
Darmawan, A., Suyoto, W. H., Utami, N. H., Razak, A. A. Z. A., & Ab Wahid, A. (2018). The Effect of Financial Literacy, Financial Experience, and Locus of Control Towards Financial Management Attitude and Family Investment Planning Behavior. Proceedings International Conference of Business, Accounting and Economic (ICBAE UMP 2018).
Dewanti, V. P., & Asandimitra, N. (2021). Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater. Jurnal Ilmu Manajemen, 9(3), 863–875. https://doi.org/10.26740/jim.v9n3.p863-875
Garg, N., & Singh, S. (2018). Financial literacy among youth. International Journal of Social Economics, 45(1), 173–186. https://doi.org/10.1108/IJSE-11-2016-0303
Ghozie, P. H. (2014). Make It Happen: Buku Pintar Rencana Keuangan Untuk Mewujudkan Mimpi. PT. Gramedia Pustaka Utama.
Goyal, K., & Kumar, S. (2021). Financial literacy: A systematic review and bibliometric analysis. International Journal of Consumer Studies, 45(1), 80–105. https://doi.org/10.1111/ijcs.12605
Huang, J., Nam, Y., & Sherraden, M. S. (2013). Financial knowledge and child development account policy: A test of financial capability. Journal of Consumer Affairs, 47(1), 1–26.
Husnain, B., Zulfiqar, S., Shah, A., & Fatima, T. (2019). Effect of Neuroticism, Conscientiousness on Investment Decisions. Mediation Analysis of Financial Self-Efficacy 1 2 3, 9(1), 15–26.
Ibrahim, Y., & Arshad, I. (2017). Examining the impact of product involvement, subjective norm and perceived behavioral control on investment intentions of individual investors in Pakistan. Invest. Manag. Financ. Innov., 14(4).
Lusardi, A., & Micthell, O. S. (2011). Financial literacy and retirement planning in the United States. Journal of Pension Economics & Finance, 10(4), 509–525.
Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. J. Pension Econ. Finance, 14(4).
Manafe, J. (2021). The Effect of Financial Knowledge, Financial Experience and Spiritual Intelligence on Investment Planning Behavior. Jurnal Ekonomi & Bisnis JAGADITHA, 8(2), 209–214. https://doi.org/10.22225/jj.8.2.2021.209-214
Mendari, A. S., & Soejono, F. (2019). Hubungan Tingkat Literasi dan Perencanaan Keuangan. Modus Journals, 31(2), 227–240.
Narsa, I. M., Narsa, N. P. D. R. H., & Prananjaya, K. P. (2020). An Experimental Study of the Effect of Financial and Non-Financial Information on Intention to Invest in the Bearish and Bullish market. International Journal of Innovation, Creativity and Change, 11(11), 421–429.
Nugroho, Y., & Negara, S. D. (2020). COVID-19 ’ s Impact on Micro, Small, & Medium Enterprises and Tourism in Indonesia. ISEAS Yusof Ishak Institute, 124, 1–11.
OECD. (2014). PISA 2012 Results: Students and money: Financial literacy skills for the 21st Century. OECD Publishing.
Patten, D. M. (2005). An Analysis of The Impact of Locus-of-Control on Internal Auditor Job Performance and Satisfaction. Manag. Audit. J., 20(9), 1016–1029.
Philippas, N. D., & Avdoulas, C. (2020). Financial literacy and financial well-being among generation-Z university students: Evidence from Greece. European Journal of Finance, 26(4–5), 360–381. https://doi.org/10.1080/1351847X.2019.1701512
Pritazahara, R., & Sriwidodo, U. (2015). PENGARUH PENGETAHUAN KEUANGAN DAN PENGALAMAN KEUANGAN TERHADAP PERILAKU PERENCANAAN INVESTASI DENGAN SELF CONTROL SEBAGAI VARIABEL MODERATING. Jurnal Ekonomi Dan Kewirausahaan, 15(1), 28–37.
Purnama, E. D., & Simarmata, F. E. (2021). EFEK LIFESTYLE DALAM MEMODERASI PENGARUH PENGETAHUAN KEUANGAN DAN LITERASI KEUANGAN TERHADAP PERENCANAAN KEUANGAN. Jurnal Inovasi Penelitian, 1(8), 1567–1574.
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295.
Rosyid, M., & Iramani, R. (2022). Attaining Financial well-being: The Essential Effects of Financial Experience, Status, and Behavior. Marketing International Seminars and The 4Th International Conference On Business and Banking Innovations, 56-66S.
Safitri, A., & Kartawinata, B. R. (2020). Pengaruh Financial Socialization dan Financial Experience Terhadap Financial Management Behavior ( Studi pada Wanita Bekerja di Kota Bandung). Jurnal Ilmu Keuangan Dan Perbankan (JIKA), 9(2).
Salisa, N. R. (2020). Faktor yang Mempengaruhi Minat Investasi Di Pasar Modal: Pendekatan Theory Of Planned Behaviour (TPB). Jurnal Akuntansi Indonesia, 9(2), 182–194.
Saraswati, A. M., & Nugroho, A. W. (2021). Perencanaan Keuangan dan Pengelolaan Keuangan Generasi Z di Masa Pandemi Covid 19 melalui Penguatan Literasi Keuangan. Warta LPM, 24(2), 309–318. https://doi.org/10.23917/warta.v24i2.13481
Sobaya, S., & Hidayanto, M. F. (2016). PENGARUH LITERASI KEUANGAN DAN LINGKUNGAN SOSIAL TERHADAP PERENCANAAN KEUANGAN PEGAWAI DI UNIVERSITAS ISLAM INDONESIA YOGYAKARTA. Madania, 20(1), 115–128.
Surendar, G., & Subramanya Sarma, V. V. (2018). Financial literacy and financial planning among teachers of higher education - a study of critical factors of select variables. International Journal of Pure and Applied Mathematics, 118(18), 1627–1649. https://amity.edu/UserFiles/admaa/97cf8Paper 3.pdf
Susanto, Y. B., Nusantara, U. M., Setiawan, J., Nusantara, U. M., Ariyanto, S., & Nusantara, U. M. (2022). FINANCIAL PLANNING FOR MILLENNIALS AND GEN-Z ( STUDY OF MILLENNIALS AND GEN-Z FINANCIAL BEHAVIOR ). 14(1), 156–168.
Wolla, S. (2017). Evaluating the Effectiveness of an Online Module for Increasing Financial Literacy. Social Studies Research and Practice, 12(2), 154–167.