Pengaruh Mental Accounting Pada Generasi Z Terhadap Financial Behaviour Pada Masa Pandemi Covid 19 dengan dimediasi Gaya Hidup
DOI:
https://doi.org/10.53512/valid.v19i2.213Keywords:
mental accounting, financial literacy, life style, financial behaviourAbstract
Along with the lifestyle changes experienced by the community, it has an influence on people's behavior, especially behavior in managing finances. With the increase in one's lifestyle, it will cause problems in financial management. Ideally, mental accounting and lifestyle factors can influence a person's behavior in managing finances. Mental accounting will shape one's financial behavior well. This study aims to determine the effect of mental accounting on financial behavior with lifestyle as a mediating variable. This research is a type of quantitative research using a survey method given to Generation Z who have used e-wallet or e-money. Determination of the number of samples in this study were as many as 300 respondents with the sampling method used was using judgment sampling. The analysis used is Structural Equation Modeling (SEM) analysis. The results show that financial literacy affects lifestyle, mental accounting affects lifestyle, and lifestyle mediates financial literacy and mental accounting on financial behavior.
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on Online Shopping Interest in Millennials. International Journal Of
Accounting & Finance in Asia Pasific (IJAFAP), 2(3), 41–45.
Agrawal, Amol. (2008). Economic Reserach: The Need for Financial Inclusion with an Indian Perspective. IDBI Gilts Paper: Mumbai, India.
Allen, Franklin., Kunt, Asli Demirguc., Klapper, Leora., Martinez Peria, Maria Soledad. (2012). The Foundation of Financial Inclusion, Understanding Ownership and Use of Formal Account. Policy Research Working Paper No. 6290
Andrew, Vincentius dan Linawati, Nanik. (2014). Hubungan Faktor Demografi dan Pengetahuan Keuangan dengan Perilaku Keuangan Karyawan Swasta di Surabaya. Jurnal Finesta Vol. 02 No. 02, 35-39. Fakultas Ekonomi, Universitas Kristen Petra. Surabaya.
Ardiani I. S. (2011). Personality Traits sebagai Penentu Perencanaan Keuangan Keluarga (Suatu Kajian Pustaka). Jurnal Pengembangan Humaniora. Vol. 11, No. 2, 118-126.
Chakravarty, Satya R. dan Rupayan Pal. (2010). Measuring Financial Inclusion: An Axiomatic Approach. Laporan Hasil Penelitian Indira Gandhi Institute of Development Research (IGIDR). Mumbai India
Ferdinand, A. (2002). Structural Equation Modelling Dalam Penelitian Manajemen Edisi 2 Seri Pustaka Kunci 03. Semarang: Badan Penerbit Universitas Diponegoro
Gutter, M., Hayoe, C., dan Devaney, S. A. (2008). Economic and Psychological Determinants of Saving Behavior: A Conceptual Model. Consumer Interests Annual, Vol, 54, 197-198.
Hair J.F. et.al (1995). Multivariate Data Analysis With Reading. Fourth Edition.
Prentice Hall College. New Jersey.
Ida dan Dwinta Cinthia Yohana. (2010). Pengaruh Locus of Control, Financial Knowledge, Income terhadap Financial Management Behavior. Jurnal Bisnis dan Akuntansi. Vol. 12, No. 3, 131-144.
Irfani, F (2016). Pengaruh Pengetahuan Keuangan dan Indeks Inklusi Keuangan terhadap Perilaku Keuangan Personal Masyarakat di Wilayah Kabupaten Sleman.
Kivetz, Ran. (1999). Advances in Research on Mental Accounting and Reason-Based Choice. Marketing Letters, Volume 10 No.3. Halaman 249-266.
Lusardi, A dan Mitchell, O. (2007). Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel. MRRC Working Paper 157, 1 – 33.
Lusardi, A. (2008). Household Saving Behavior: The Role of Saving Literacy, Information and Financial Education Programs. Implikastion of Behavioral Economic for Economics Policy. NBER Working Paper No. 13824.
Manik, Y. M., & Dalimunthe, M. B. (2019). Literasi Keuangan dan Pengaruhnya
Terhadap Hedonisme Mahasiswa. Jurnal Program Studi Pendidikan
Ekonomi, 7(2), 66–76
Naila, A (2013). Studi Financial Behavior pada Masyarakat Surabaya. Journal of Business and Banking. Volume 3, No. 1, May 2013, halaman 69 – 80
Orton, L. (2007). Financial Literacy: Lesson From International Experience. CPRN Research Report, 1-63.
Sanjaya, I Made dan Nursechafia. (2016). Inklusi Keuangan Dan Pertumbuhan Inklusif: Analisis Antar Provinsi Di Indonesia. Jurnal Ekonomi dan Perbankan Vol. 18, No. 3.
Sarma, Mandira. (2012). Index of Financial Inclusion – A measure of financial sector inclusiveness. Berlin Working Papers on Money, Finance, Trade and Development
Setiawan, Moh., Agung. (2015). Analisis Keterkaitan Inklusi Keuangan Terhadap Perilaku Keuangan Personal Masyarakat Di Wilayah Kota Dan Kabupaten Provinsi Jawa Timur. Jurnal Fakultas Ekonomi Dan Bisnis Vol 3. No 2. Universitas Brawijaya. Malang.
Suliyanto, (2011). Ekonometrika Terapan : Teori dan Aplikasi dengan SPSS. Yogyakarta: Penerbit Andi Offset.Yogyakarta
Thaler, Richard,H. (1999). Mental Accounting Matters. Journal of Behavioral Decision Making Volume 12, Halaman 183-206.
Wulandari, Tri. (2018) Pengaruh Konseling Individual Teknik Self Control Terhadap Gaya Hidup Konsumtif Pada Siswa. Jurnal Psikologi Konseling Vol. 12 No.1 halaman 173-184.
Yahya, Adibah. (2021). Determinan Perilaku Konsumtif Mahasiswa. Jurnal Pengembangan Wiraswasta Vol 23. No. 1 halaman 38-50.
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Published
2022-06-30
How to Cite
Kusnandar, D. L., Kurniawan, D., & Sahroni, N. (2022). Pengaruh Mental Accounting Pada Generasi Z Terhadap Financial Behaviour Pada Masa Pandemi Covid 19 dengan dimediasi Gaya Hidup. Valid: Jurnal Ilmiah, 19(2), 97–106. https://doi.org/10.53512/valid.v19i2.213
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