PERILAKU KEUANGAN PADA GENERASI MILENIAL STUDI KASUS PADA BEBERAPA PERGURUAN TINGGI SWASTA DI BANDUNG

Authors

  • Analycia Renata W.
  • Bobby Wiryawan Saputra

DOI:

https://doi.org/10.61769/jabs.v6i1.515

Abstract

ABSTRACT

Financial literacy is knowledge and conviction to financial products. OJK (Otoritas Jasa Keuangan) conducts outreach and provides education about the importance of financial literacy. Financial literacy is an important basis to avoid financial problems. This study will discuss the influence of financial literacy to financial behavior. This research is done using primary data obtain from questionnaires distribution to college students at the five best private campuses in Bandung.

The population in this research are college students at the five best private campuses in Bandung. The sampling technique in this study uses stratified random sampling. The variables used in this research are financial literacy as the dependent variable and financial behavior as an independent variable. Methods of analysis used is the simple regression analysis using SPSS 25.

The results of this research show that financial literacy have an effect directly influences financial behavior. The direct effect of finance on finance is 47.5%.

Keywords: Financial literacy, financial behavior

 

ABSTRAK

Literasi keuangan merupakan pengetahuan dan keyakinan terhadap produk keuangan. OJK (Otoritas Jasa Keuangan) melakukan penyuluhan dan pemberian edukasi mengenai pentingnya literasi keuangan. Literasi keuangan merupakan suatu dasar agar terhindar dari masalah keuangan. Pada penelitian ini akan membahas mengenai pengaruh literasi keuangan terhadap perilaku keuangan. Penelitian ini menggunakan data primer yaitu melalui penyebaran kuisioner pada mahasiswa di lima kampus swasta terbaik di Bandung.

Populasi dalam penelitian ini adalah mahasiswa dari lima kampus swasta terbaik di Bandung. Teknik pengambilan sampel dalam penelitian ini menggunakan stratified random sampling. Variabel yang digunakan dalam penelitian ini adalah literasi keuangan sebagai variabel dependen dan perilaku keuangan sebagai variabel independen. Metode analisis yang digunakan adalah analisis regresi sederhana dengan menggunakan SPSS 25.

Hasil penelitian ini menunjukan bahwa literasi keuangan berpengaruh secara langsung terhadap perilaku keuangan. Pengaruh secara langsung literasi keuangan terhadap perilaku keuangan adalah sebesar 47,5%.

Kata Kunci: Literasi keuangan, perilaku keuangan.

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Published

2021-03-01

Issue

Vol. 6 No. 1 (2021)

Section

Articles

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