Literasi Keuangan, Pendidikan Ekonomi Keluarga, Dan Pendapatan Terhadap Perencanaan Keuangan Gen Z
Abstract
Penelitian ini membahas perencanaan keuangan Gen Z yang dipengaruhi oleh literasi keuangan, pendidikan ekonomi dalam keluarga, dan pendapatan, serta bagaimana financial self-efficacy berperan dalam proses tersebut. Tujuannya adalah untuk mengetahui pengaruh faktor-faktor tersebut terhadap perencanaan keuangan Gen Z di kalangan mahasiswa Universitas PGRI Wiranegara. Penelitian ini menggunakan metode kuantitatif dengan analisis jalur, dan data dikumpulkan melalui kuesioner dari 100 responden. Hasil penelitian menunjukkan: (1) Literasi keuangan, pendidikan ekonomi dalam keluarga, dan pendapatan secara langsung memengaruhi perencanaan keuangan Gen Z; (2) Faktor-faktor tersebut juga memengaruhi financial self-efficacy, (3) Financial self-efficacy memiliki pengaruh langsung terhadap perencanaan keuangan Gen Z. (4) Literasi keuangan, pendidikan ekonomi dalam keluarga, dan pendapatan memengaruhi perencanaan keuangan Gen Z melalui financial self-efficacy.
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