PERILAKU KEUANGAN PADA GEN-Z

Abstract

            Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial variabel Literasi Keuangan, Digital Banking dan Gaya Hidup Hedonis terhadap Perilaku Keuangan pada mahasiswa Fakultas Ekonomi Universitas Balikpapan. Penelitian ini menggunakan sampel sebanyak 270 mahasiswa aktif kelas A Fakultas Ekonomi Universitas Balikpapan yang dihitung menggunakan rumus slovin dengan teknik purposive sampling. Uji yang digunakan untuk menguji instrumen penelitian berupa uji validitas, uji reabilitas dan uji asumsi klasik yang terdiri dari uji normalitas, uji multikolinearitas dan uji heterokesdastisitas. Hasil penelitian menunjukkan bahwa secara parsial variabel literasi keuangan (X₁) dan gaya hidup hedonis (X₃) memiliki pengaruh positif dan signifikan terhadap perilaku keuangan (Y). Sedangkan variabel digital banking (X₂) berpengaruh positif dan tidak signifikan terhadap perilaku keuangan (Y).

Kata Kunci:  Literasi Keuangan; Digital Banking; Gaya Hidup Hedonis; Perilaku Keuangan

            This study aims to determine the partial effect of Financial Literacy Variables, Digital Banking and Hedonic Lifestyle on Financial Behavior in students of the Faculty of Economics, University of Balikpapan. This study used a sample of 270 active class A students, Faculty of Economics, University of Balikpapan which was calculated using the Slovin formula with purposive sampling technique, namely the selection was based on certain characteristics or traits that were considered to have something to do with the characteristics or characteristics of the population that had been previously known. The test used to test the research instrument in the form of validity test, reliability test and classical assumption test consisting of normality test, multicollinearity test and heteroscedasticity test. The results showed that partially financial literacy variables (X₁) and hedonic lifestyle (X₃) had a positive and significant influence on financial behavior (Y). While the digital banking variable (X₂) has a positive and insignificant effect on financial behavior (Y).

Keywords: Financial Literacy; Digital Banking; Hedonic Lifestyle; Financial Behavior