PENGARUH INKLUSI KEUANGAN, MENTAL ACCOUNTING, DAN LOCUS OF CONTROL TERHADAP FINANCIAL BEHAVIOUR GENERASI Z

Abstrak

Penelitian ini bertujuan untuk mengetahui pengaruh inklusi keuangan, mental accounting, dan locus of control terhadap financial behaviour Generasi Z dengan survei pada Generasi Z Paguyuban Mojang Jajaka Kota Banjar. Penelitian ini menggunakan metode penelitian survei dengan pendekatan kuantitatif, teknik pengambilan sampel menggunakan nonprobability sampling dengan cara sampling jenuh dengan jumlah sebanyak 120 orang. Teknik pengumpulan data penelitian ini menggunakan kuesioner dan teknik analisis data yang digunakan yaitu analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa terdapat pengaruh positif dan signifikan antara inklusi keuangan terhadap financial behaviour, terdapat pengaruh positif dan signifikan mental accounting terhadap financial behaviour, terdapat pengaruh positif dan signifikan locus of control terhadap financial behaviour, dan terdapat pengaruh positif dan signifikan antara inklusi keuangan, mental accounting, dan locus of control secara simultan terhadap financial behaviour Generasi Z.

This study aims to determine the effect of financial inclusion, mental accounting, and locus of control on financial behaviour of Generation Z with a survey of Generation Z of Mojang Jajaka Community in Banjar City. This study uses a survey research method with a quantitative approach, the sampling technique uses by means of saturated sampling with a total of 120 peoples. The data collection technique used in this study was a questionnaire and the data analysis technique used was multiple linear regression analysis. The results showed that there is a positive and significant influence between financial inclusion on financial behaviour, there is a positive and significant influence of mental accounting on financial behaviour, there is a positive and significant influence of locus of control on financial behaviour, and there is a positive and significant influence between financial inclusion, mental accounting, and locus of control simultaneously on Generation Z's financial behaviour.