Pengaruh Hedonic Lifestyle, Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Keuangan pada Generasi Z dengan Gender sebagai Variabel Moderasi
Abstract
The evolution of the times necessitate individuals to cultivate prudent financial behavior. It was found that many students in the city of Malang revealed a prevalence of hedonistic lifestyle. Many studens in the city of Malang easily felt FOMO (fears of missing out) about a trend. So, the purpose of this study was to investigate how a hedonic lifestyle, financial literacy, and financial attitudes affect the financial behavior of generation z students in Malang city. The research uses a quantitative approach, focusing on generation z students in Malang city as the population with 210 respondents. The results show that financial behavior is negatively impacted by a hedonic lifestyle, while financial literacy and financial attitudes have a positive influence. However, gender does not have any effect on the relationship between hedonic lifestyle, financial literacy, financial attitudes, and financial behavior. The findings of this study are the financial behavior of students in Malang city can be said to be quite good, but still have a hedon lifestyle, becauda of low self-reliance
Keywords: Hedonic Lifestyle, Financial Literacy, Financial Attitudes, Financial Behaviour, Gender
References
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Chen, Haiyang, dan Ronald P Volpe. 1998. “An analysis of personal financial literacy among college students.” Financial services review 7 (2). Elsevier: 107–128.
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Maria, Maria. 2022. “Impact of Financial Literacy on Financial Behavior and Entrepreneurial Intention: Gender as a Moderator. Study on Undergraduate Students in Kupang City.” Enrichment: Journal of Management 12 (4): 3190–3195.
Mendari, Anastasia Sri, dan Suramaya Suci Kewal. 2013. “Tingkat literasi keuangan di kalangan mahasiswa STIE MUSI.” Jurnal Economia 9 (2): 130–140.
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Wahyuningsih, Widowati, dan Indah Fatmawati. 2016. “The Influence of Hedonic Lifestyle, Shopping Addiction, Fashion Involment on Global Brand Impulse Buying.” JBTI: Jurnal Bisnis: Teori dan Implementasi 7 (2): 278–300.
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Ajzen, Icek. 2005. Attitudes, personality and behaviour. McGraw-hill education (UK).
Akben-Selcuk, Elif. 2015. “Factors influencing college students’ financial behaviors in Turkey: Evidence from a national survey.” International Journal of Economics and Finance 7 (6): 87–94.
Andarsari, Pipit Rosita, dan Mega Noerman Ningtyas. 2019. “The role of financial literacy on financial behavior.” Journal of accounting and business education 4 (1). Departement of Accounting, Faculty of Economics, Universitas Negeri Malang: 24–33.
Anuraga, G., dan E Sulistiyawan. 2017. “Structural Equation Modeling – Partial Least Square Untuk Pemodelan Indeks Pembangunan Kesehatan Masyarakat (IPKM) Di Jawa Timur.” In . doi:https://doi.org/https://www.researchgate.net/publication/331350537.
Assyfa, Ladira Nur. 2020. “Pengaruh uang saku, gender dan kemampuan akademik terhadap perilaku pengelolaan keuangan pribadi mahasiswa akuntansi dengan literasi keuangan sebagai variabel intervening.” Prisma (Platform Riset Mahasiswa Akuntansi) 1 (1): 109–119.
Atulkar, Sunil, dan Bikrant Kesari. 2018. “Impulse buying: A consumer trait prospective in context of central India.” Global Business Review 19 (2). SAGE Publications Sage India: New Delhi, India: 477–493.
Baker, H Kent, dan John R Nofsinger. 2010. Behavioral finance: investors, corporations, and markets. Vol. 6. John Wiley & Sons.
Chen, Haiyang, dan Ronald P Volpe. 1998. “An analysis of personal financial literacy among college students.” Financial services review 7 (2). Elsevier: 107–128.
Coley, Amanda Leigh. 2002. “Affective and cognitive processes involved in impulse buying.” Citeseer.
Dew, Jeffrey P, dan Jing Jian Xiao. 2011. “The Financial Management Behavior Scale: Development and Validation.” Journal of Financial Counseling and Planning 22 (1). Journal of Financial Counseling and Planning: 43–59.
Faisal, M. 2021. “Pengaruh Literasi Dan Inklusi Keuangan Terhadap Perilaku Keuangan Nasabah (Studi Kasus Pada Bank Syariah Indonesia KCP Panam Di Pekanbaru).” Universitas Islam Riau.
Fisher, Peter R. 2021. “Financial Literacy and Behavior in Credit Unions: An Exploration of Member Financial Literacy and Financial Behavior in the Credit Union Model.” Digitalcommons.Georgefox.Edu 6 (3): 1–114.
Furnham, Adrian. 1984. “Many sides of the coin: The psychology of money usage.” Personality and individual Differences 5 (5). Elsevier: 501–509.
Hair, Joseph F, Jeffrey J Risher, Marko Sarstedt, dan Christian M Ringle. 2019. “When to use and how to report the results of PLS-SEM.” European business review 31 (1). Emerald Publishing Limited: 2–24.
Herawati, Trisna, dan Naswan Suharsono. 2018. “Factors That Influence Financial Behavior Among Accounting Students in Bali Factors That Influence Financial Behavior Among Accounting Students in Bali,” no. December. doi:10.5430/ijba.v9n3p30.
Hijir, Puput Siti. 2022. “Pengaruh literasi keuangan terhadap perilaku keuangan dengan financial technology (fintech) sebagai variabel intervening pada ukm di kota Jambi.” Jurnal Manajemen Terapan Dan Keuangan 11 (01): 147–156.
Hikmah, Hikmah, dan Risca Azmiana. 2023. “Financial Literacy, Self Efficacy, Dan Financial Attitude Terhadap Financial Management Behaviour Umkm Dengan Gender Variabel Moderasi.” NUSANTARA: Jurnal Ilmu Pengetahuan Sosial 10 (9): 4461–4470.
Indratirta, Nadia Prima, Puji Handayati, dan Dodik Juliardi. 2023. “Effect of financial literacy on the financial behavior of the millennial generation about the dangers of fraudulent investment and flexing affiliations.” Journal of Business Management and Economic Development 1 (02): 355–365.
Izza, M.Y. 2020. “Pengaruh Pendapatan, Literasi Keuangan, Gaya Hidup Terhadap Pengelolaan Keuangan Pribadi Dengan Gender Sebagai Variabel Moderasi.” STIE Perbanas Surabaya.
Jaya, IGNM, dan I Made Sumertajaya. 2008. “Pemodelan Persamaan Struktural dengan Partial Least Square.” Semnas Matematika dan Pendidikan Matematika 1: 118–132.
Khawar, Sumaira, dan Aamir Sarwar. 2021. “Financial literacy and financial behavior with the mediating effect of family financial socialization in the financial institutions of Lahore, Pakistan.” Future Business Journal 7. Springer: 1–11.
Kirana, I Dewa Ayu Intan, dan Ni Nyoman Kerti Yasa. 2013. “Peran Gender dalam Memoderasi Pengaruh Perceived Benefit dan Perceived Cost Terhadap Niat Menggunakan Kartu Kredit di Kota Denpasar.” Udayana University.
Kotler, Philip, dan Kevin Lane Keller. 2009. Manajemen Pemasaran. Edisi 13. Jakarta: PT Indeks.
Laily, Nujmatul. 2016. “Pengaruh literasi keuangan terhadap perilaku mahasiswa dalam mengelola keuangan.” Journal of Accounting and Business Education 1 (4). State University of Malang: 92558.
Maria, Maria. 2022. “Impact of Financial Literacy on Financial Behavior and Entrepreneurial Intention: Gender as a Moderator. Study on Undergraduate Students in Kupang City.” Enrichment: Journal of Management 12 (4): 3190–3195.
Mendari, Anastasia Sri, dan Suramaya Suci Kewal. 2013. “Tingkat literasi keuangan di kalangan mahasiswa STIE MUSI.” Jurnal Economia 9 (2): 130–140.
Mitchell, Olivia S, Annamaria Lusardi, dan Vilsa Curto. 2009. “Financial literacy among the young: Evidence and implications for consumer policy.” Pension Research Council WP 9.
Mohammadi, Faegheh, dan Firooz Mahmoodi. 2019. “Factors affecting acceptance and use of educational Wikis: using technology acceptance model (3).” Interdisciplinary Journal of Virtual Learning in Medical Sciences 10 (1). Shiraz University of Medical Sciences, Shiraz, Iran: 5–9.
Muntahanah, Siti, Heru Cahyo, Heri Setiawan, dan Sindi Rahmah. 2021. “Literasi Keuangan, Pendapatan dan Gaya Hidup terhadap Pengelolaan Keuangan di Masa Pandemi.” Jurnal Ilmiah Universitas Batanghari Jambi 21 (3): 1245–1248.
Nadzir, Misbahun, dan Tri Muji Ingarianti. 2015. “Psychological meaning of money dengan gaya hidup hedonis remaja di kota Malang.” In Seminar Psikologi & Kemanusiaan, 1998:978–979.
Nurlelasari, Neni. 2022. “Pengaruh Gaya Hidup Hedon dan Tingkat Pendapatan terhadap Perilaku Manajemen Keuangan pada Generasi Millenial.” Jurnal Riset Manajemen Dan Bisnis, 21–26.
OJK. 2022. “Infografis Hasil Survei Nasional Literasi dan Inklusi Keuangan Tahun 2022.” OJK. https://ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Infografis-Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx.
OJK, Pub. L. 2016. “No. Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan, OJK 1.” OJK. https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/regulasi/peraturan-ojk/Documents/Pages/POJK-tentang-Peningkatan-Literasi-dan-Inklusi-Keuangan-di-Sektor-Jasa-Keuangan-Bagi-Konsumen-dan-atau-masyarakat/SAL.
Parmitasari, Rika Dwi Ayu, Zulfahmi Alwi, dan Sunarti Sunarti. 2018. “Pengaruh kecerdasan spritual dan gaya hidup hedonisme terhadap manajemen keuangan pribadi mahasiswa perguruan tinggi negeri di Kota Makassar.” Jurnal Minds: Manajemen Ide Dan Inspirasi 5 (2). Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia: 147–162.
Pratama, Ikhtyar, Jumawan Jasman, dan Saharuddin Saharuddin. 2022. “Pengaruh literasi keuangan, pendapatan orang tua, dan gaya hidup hedonis terhadap perilaku keuangan mahasiswa.” Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan 5 (2): 819–825.
Putri, Novia, Solikah Nurwati, dan Ani Mahrita. 2023. “Pengaruh Literasi Keuangan, Gaya Hidup Hedonisme, dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Pribadi Wanita Bekerja di Kota Palangka Raya.” Jurnal Studi Manajemen dan Bisnis 10 (1): 86–95.
Ramdany, Kevry, dan Anne Putri. 2022. “Efek Moderasi Gender Dan Usia Pada Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Pribadi Pegawai Di Universitas Muhammadiyah Sumatera Barat.” Ensiklopedia of Journal 4 (4): 372–382.
Rastati, Ranny. 2018. “Media literasi bagi digital natives: perspektif generasi Z di Jakarta.” Kwangsan: Jurnal Teknologi Pendidikan 6 (1): 60–73.
Regista, Y A M, M Fuad, dan M Dewi. 2021. “Pengaruh Literasi Keuangan, Gender, Gaya Hidup Dan Pembelajaran Di Universitas Terhadap Perilaku Keuangan Mahasiswa.” JIM: Manajerial Terapan 1 (1): 64–72.
Risakotta, A. K. 2023. “Efek Gender Sebagai Variabel Pemoderasi Pada Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Pengelolaan Keuangan.” Jurnal Akuntansi Netral, Akuntabel, Objektif 6 (1): 985–995. doi:10.11594/untad.jan.6.1.20178.
Rohmanto, Fajar, dan Ari Susanti. 2021. “Pengaruh literasi keuangan, lifestyle hedonis, dan sikap keuangan pribadi terhadap perilaku keuangan mahasiswa.” Ecobisma (Jurnal Ekonomi, Bisnis Dan Manajemen) 8 (1): 40–48.
Sabri, Mohamad Fazli, Nuraini Abdullah, dan Siti Yuliandi Ahmad. 2018. “Moderation Effect Of Gender On Financial Literacy , Money Attitude , Financial Strains And Financial Capability.” Malaysian Journal of Consumer and Family Economics 20: 83–101.
Sasongko, Sri Sundari. 2009. Konsep dan Teori Gender. Cetakan 2. Jakarta: Pusat Pelatihan Gender dan Peningkatan Kualitas Perempuan.
Septriani, Yossi, Lidya Suzanna, dan Rasyidah Mustika. 2022. “Pengaruh Literasi Keuangan, Gender Dan Gaya Hidup Terhadap Perilaku Pengelolaan Keuangan Mahasiswa.” Accounting Information System, Taxes and Auditing Journal (AISTA Journal) 1 (2): 173–183.
Sholeh, Achmad. 2017. “The relationship among hedonistic lifestyle, life satisfaction, and happiness on college students.” International Journal of Social Science and Humanity 7 (9): 604–607.
Sodik, A., M, dan S Siyoto. 2015. Dasar Metodologi Penelitian. Yogyakarta: Literasi Media Pulising.
Sriyono, Sriyono, dan Novita Lailatul Rif’ah. 2022. “Can Gender be a Moderating Variable in Micro Small Medium Enterprises Financial Behavior? A Perspective from Financial Financial Literacy, Financial Attitude, and Income.” Jurnal Manajemen Bisnis 13 (2): 306–323.
Sugeng, Rachmat, Muliana Muliana, dan Ifa Annisa. 2023. “Pengaruh Literasi Keuangan Terhadap Manajemen Keuangan Pribadi pada Mahasiswa Konsentrasi Manajemen Keuangan Syariah (Analisis Penggunaan Shopeepay pada Aplikasi Shopee).” Jurnal Ilmiah Ekonomi Islam 9 (1): 804–814.
Tarka, Piotr, Monika Kukar-Kinney, dan Richard J Harnish. 2022. “Consumers’ personality and compulsive buying behavior: The role of hedonistic shopping experiences and gender in mediating-moderating relationships.” Journal of Retailing and Consumer Services 64. Elsevier: 102802.
Theodos, Brett, Emma Kalish, Signe-Mary McKernan, dan Caroline Ratcliffe. 2014. “Do financial knowledge, behavior, and well-being differ by gender.” Urban Institute, 1–8.
Utami, Nabila Ganes Putri, dan Yuyun Isbanah. 2023. “Pengaruh Financial Literacy, Financial Attitude, Financial Technology, Sefl-Control, dan Hedonic Lifestyle terhadap Financial Behavior pada Generasi Z di Jawa Timur.” Jurnal Ilmu Manajemen, 506–521.
Wahyuni, Sri Fitri, Radiman Radiman, dan Dini Kinanti. 2023. “Pengaruh literasi keuangan, lifestyle hedonis dan sikap keuangan pribadi terhadap perilaku keuangan mahasiswa.” Owner: Riset dan Jurnal Akuntansi 7 (1): 656–671.
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Published
2024-12-24
How to Cite
NIRMALA, Annisa Najla et al.
Pengaruh Hedonic Lifestyle, Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Keuangan pada Generasi Z dengan Gender sebagai Variabel Moderasi.
Jurnal Ekonomi Akuntansi dan Manajemen, [S.l.], v. 23, n. 2, p. 155-176, dec. 2024.
ISSN 2459-9816.
Available at: <https://jurnal.unej.ac.id/index.php/JEAM/article/view/48570>. Date accessed: 02 jan. 2025.
doi: https://doi.org/10.19184/jeam.v23i2.48570.
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Articles
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