Anteseden Perilaku Konsumtif Generasi Milenial: Peran Gender Sebagai Pemoderasi

Abstract

Penelitian ini dilakukan dengan pendekatan kuantitatif yang bertujuan untuk mengetahui pengaruh literasi keuangan dan mental accounting terhadap perilaku konsumtif generasi milenial dengan gender sebagai pemoderasi. Penelitian dilakukan di Kota Salatiga dengan sampel 100 responden. Subjek dalam penelitian ini adalah mahasiswa dan karyawan di Salatiga yang lahir pada tahun 1980 sampai 1999. Jenis sampling menggunakan purposive sampling dan pengumpulan data dilakukan melalui penyebaran kuesioner secara langsung maupun online. Data yang terkumpul diolah dengan teknik Moderated Regression Analysis (MRA). Studi ini menemukan bahwa literasi keuangan berpengaruh negatif terhadap perilaku konsumtif, mental accounting berpengaruh positif terhadap perilaku konsumtif, dan gender memoderasi pengaruh antara literasi keuangan dan mental accounting terhadap perilaku konsumtif.

The Effect Of Financial Literacy, Mental Accounting And Income Level On Consumption Behavior With Gender As A Moderating Variable (Study On Millennial Generation In Banyumas Regency)

“…But evidence that mental accounting contributes positively to consumptive behavior [13]. Regarding level income level, a person experiences an increase in income, expenses also increase and will be greater than the additional income [13]. The results of this study are in line with previous research which states different results that income has a positive relationship with financial behavior [12][10][14] [21].…”

“…This study contradicts which states that the components of mental accounting and psychological factors do not all have an effect [8]. But evidence that mental accounting contributes positively to consumptive behavior [13]. Regarding level income level, a person experiences an increase in income, expenses also increase and will be greater than the additional income [13].…”

“…Based on the above background and the development of previous research [13], the authors are interested in conducting research by adding income level variables in the title " The Effect of Financial Literacy, Mental Accounting and Income Levels on Consumptive Behavior with Gender as a Moderating Variable (Study on Millennial Generation in Banyumas Regency).…”

The effect of money attitude, subjective norm, perceived behavioural control, and perceived risk on millennial’s saving intention

“…Therefore, the millennial generation has an enormous potential contribution to develop the Indonesian economy. However, two problems are generally experienced by the millennial generation such as consumptive behaviour, low financial ability, and low financial literacy (Hidayatullah et al, 2018;Masyrafina, 2020;Mubarokah & Rita, 2020;Philip, 2019;Qurotaa'yun & Krisnawati, 2019;Septy, 2021).…”

“…If someone has good financial literacy, it will affect their accuracy in making decisions about spending their money. As a result, financial literacy will almost certainly keep the millennial generation from excessive spending (Mubarokah & Rita, 2020;Qurotaa'yun & Krisnawati, 2019).…”