Pengaruh Status Ekonomi, Literasi Keuangan, Pengelolaan Keuangan Terhadap Gaya Hidup pada Generasi Z dengan Perilaku Konsumtif Sebagai Variabel Moderasi. (The Effect of Economic Status, Financial Literacy, Financial Management on Lifestyle in Generation Z with Consumptive Behavior as a Moderating Variable).

Mahendra, Rizal (2023) Pengaruh Status Ekonomi, Literasi Keuangan, Pengelolaan Keuangan Terhadap Gaya Hidup pada Generasi Z dengan Perilaku Konsumtif Sebagai Variabel Moderasi. (The Effect of Economic Status, Financial Literacy, Financial Management on Lifestyle in Generation Z with Consumptive Behavior as a Moderating Variable). Masters thesis, Universitas 17 Agustus 1945 Surabaya.

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Abstract

With the existence of internet technology and wireless telecommunication networks, it is easier for humans to connect with each other. The generation that is most exposed to changes in information is the Z generation. Generation Z or Gen Z or also known as iGeneration, the net generation or the internet generation are the generations born between 1996 and 2012. Lifestyles always change with the times. Today's lifestyle has become an individual and group identity. People's interest in various goods is influenced by their lifestyle and the goods they buy reflect that lifestyle. This type of research uses quantitative research. The population in this study is generation Z in Surabaya. The sampling technique uses purposive sampling using the Lameshow formula. This study uses sem analysis (structural equation modeling) based on components or variants, namely partial least squares (pls), using smart pls 3.0 software which consists of an inner model and an outer model. The results of the T-Statistics test obtained 2.039 > t-table 1.96 and a P-Value of 0.042 <0.05, so that financial literacy has a significant effect on lifestyle with the support of negative influence directions. The results of the T-Statistics test were 0.788 < t-table 1.96 and the P-Values 0.431 > 0.05, so that consumptive behavior does not moderate financial literacy towards the lifestyle of the z generation with negative direction support. The results of the T-Statistics test were 2.001 > t-table 1.96 and P-Values 0.046 <0.05 so that consumptive behavior significantly moderates the effect of financial management on the lifestyle of the z generation. with the support of positive influence direction. the results of the T-Statistics test were 0.238 < t-table 1.96 and P-Values of 0.812 > 0.05. so that consumptive behavior does not moderate the economic status of lifestyle with the support of negative influences. the results of the T-Statistics test were 3.909 > ttable 1.96 and the P-Values were 0.000 <0.05. So financial management has a significant effect on lifestyle with the support of negative influence directions. the results of the T-Statistics test were 2.745 > t-table 1.96 and the P-Values were 0.006 <0.05. Then economic status has a significant effect on lifestyle with the support of positive or unidirectional influence. Keywords: economic status, financial literacy, financial management, lifestyle, consumptive behavior, Generation Z

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