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All Journal IJBE (Integrated Journal of Business and Economics) EMAS
Zetri, Rifaldo
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Does Financial Literacy Mediate, Future Perspective, and Risk Tolerance on Retirement Saving Behavior. Sulistianingsih, Henny; Maivalinda, Maivalinda; Srihasnita, Rita; Zetri, Rifaldo; Rismanda, Rachyta
Integrated Journal of Business and Economics (IJBE) Vol 9, No 1 (2025): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v9i1.1093

Abstract

This study sought to investigate how retirement saving behavior was impacted by financial literacy, future perspective, and significant risk tolerance. Additionally, the financial literacy factors mediate risk tolerance and future perspective. The causal design is a type of quantitative descriptive research that is useful for analyzing one variable's effects on another or measuring the relationship between research variables. All of the participants in this study were Padang residents. Random sampling was used as the sampling method. Primary data and Likert scale measurements were used. The data processing technique used the SEM method based on Partial Least Square (PLS.). The results of this study stated that financial literacy had a significant positive effect on retirement savings behavior. Future perspective had a significant positive effect on financial literacy and retirement savings behavior. The risk tolerance variable had a significant positive effect on financial literacy. Conversely, risk tolerance did not affect retirement savings behavior. Financial literacy as a mediating variable, future perspective, and risk tolerance did not affect their retirement savings planning.
PENGARUH LITERASI KEUANGAN, HEDONISME DAN PERILAKU KONSUMTIF GENERASI Z TERHADAP PENGELOLAAN KEUANGAN PRIBADI (STUDI KASUS PADA MAHASISWA S1 MANAJEMEN FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS DHARMA ANDALAS ANGKATAN 2021, 2022, DAN 2023) Zetri, Rifaldo; Octavera, Sari
EMAS Vol. 6 No. 10 (2025): EMAS
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36733/emas.v6i10.12616

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, gaya hidup hedonisme, dan perilaku konsumtif terhadap pengelolaan keuangan pribadi mahasiswa Generasi Z. Objek penelitian adalah mahasiswa Program Studi S1 Manajemen Fakultas Ekonomi dan Bisnis Universitas Dharma Andalas angkatan 2021, 2022, dan 2023. Fenomena meningkatnya pola hidup konsumtif dan gaya hidup hedonis di kalangan mahasiswa, serta pentingnya literasi keuangan dalam pengelolaan keuangan menjadi dasar dilaksanakannya penelitian ini. Jenis penelitian ini adalah kuantitatif dengan pendekatan survei. Teknik pengambilan sampel yang digunakan adalah purposive sampling dengan jumlah responden sebanyak 194 mahasiswa. Teknik analisis data yang digunakan adalah regresi linear berganda. Hasil penelitian menunjukkan bahwa secara parsial, literasi keuangan berpengaruh positif dan signifikan terhadap pengelolaan keuangan pribadi mahasiswa. Gaya hidup hedonisme dan perilaku konsumtif masing-masing berpengaruh negatif dan signifikan terhadap pengelolaan keuangan pribadi. Secara simultan, ketiga variabel independen berpengaruh signifikan terhadap pengelolaan keuangan pribadi mahasiswa. Penelitian ini memberikan kontribusi terhadap peningkatan kesadaran pentingnya literasi keuangan dan pengendalian gaya hidup konsumtif demi pengelolaan keuangan yang lebih sehat di kalangan mahasiswa.
Co-Authors Maivalinda, Maivalinda Rismanda, Rachyta Siska Lusia Putri Srihasnita, Rita Sulistianingsih, Henny