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"Penelitian ini dilakukan untuk menganalisis adanya pengaruh financial literacy terhadap financial wellbeing melalui mediasi financial self-efficacy pada generasi milenial di DKI Jakarta. Generasi milenial merupakan bagian yang signifikan dari populasi masyarakat produktif dan berada pada masa kritis dalam pengambilan keputusan keuangan dan kesejahteraan keuangan pribadi mereka. Pada penelitian ini financial literacy diukur melalui dimensi financial awareness, financial experience, dan financial skill. Variabel financial wellbeing diukur melalui dimensi financial preparedness for emergency, current money management stress, dan perceived financial security. Penelitian ini menggunakan pendekatan kuantitatif yang dilakukan dengan menyebarkan kuesioner ke 188 responden secara online. Data yang didapat pada penelitian diolah menggunakan software IBM SPSS dan AMOS 21 dengan analisis statistik deskriptif dan analisis statistik inferensial melalui structural equation modeling. Hasil penelitian menemukan bahwa terdapat pengaruh positif antara financial literacy terhadap financial wellbeing pada generasi milenial di DKI Jakarta. Selain itu, ditemukan bahwa tidak ada efek mediasi variabel financial self efficacy pada pengaruh financial literacy terhadap financial wellbeing.

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This study is aimed at analyzing the effect of financial literacy on financial wellbeing through the mediation of financial self-efficacy on the millennial generation in DKI Jakarta. The millennials formed a significant portion of productive-age demography, are in their critical period in financial decision-making which choices will impact their personal financial well-being. In this study, financial literacy is measured through the dimensions of financial awareness, financial experience, and financial skills. The financial wellbeing variable is measured through the dimensions of financial preparedness for emergencies, current money management stress, and perceived financial security. This research uses a quantitative approach whereby data is collected by distributing online questionnaires to 188 respondents. The data obtained in the study were processed using IBM SPSS software and AMOS 21 with descriptive statistical analysis and inferential statistical analysis through structural equation modeling. The results found that there is a positive influence between financial literacy on financial wellbeing in the millennial generation in DKI Jakarta. In addition, it was found that there was no mediating effect of financial self-efficacy variables on the effect of financial literacy on financial wellbeing."

"Tujuan dari penelitian ini untuk menganalisis pengaruh literasi keuangan dan sikap terhadap uang pada financial wellbeing dewasa muda usia 17-30 tahun di DKI Jakarta. Variabel bebas terdiri dari literasi keuangan dan sikap terhadap uang, sedangkan variabel terikat adalah financial wellbeing. Literasi keuangan diukur dengan dimensi financial attitudes, financial behavior dan financial knowledge berdasarkan teori Potrich et al., (2015). Sikap terhadap uang diukur dengan dimensi power prestige, retention time, distrust, quality, dan anxiety berdasarkan teori Yamauchi & Templer (1982) Financial wellbeing diukur dengan dimensi current stress management dan expected future financial berdasarkan teori Netemeyer et al., (2017). Penelitian ini merupakan penelitian kuantitatif menggunakan metode survei melalui penyebaran kuesioner secara online kepada 400 responden. Data dianalisis menggunakan analisis statistik deskriptif, analisis regresi linier sederhana dan uji wilcoxon-signed test. Hasil penelitian ini menunjukkan bahwa literasi keuangan memiliki pengaruh signifikan terhadap financial wellbeing dewasa muda usia 17-30 tahun di DKI Jakarta. Sikap terhadap uang memiliki pengaruh signifikan terhadap financial wellbeing dewasa muda usia 17-30 tahun di DKI Jakarta.

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The purpose of this study is to analyze the impact of financial literacy and attitudes towards money on financial wellbeing of the young adult aged 17-30 years in DKI Jakarta. The independent variables of this study are financial literacy and attitude towards money, whilst the dependent variable is financial wellbeing. Financial literacy is measured by the dimensions of financial attitudes, financial behavior and financial knowledge based on Potrich et al., (2015). Attitudes towards money are measured by the dimensions of power prestige, retention time, distrust, quality, and anxiety from Yamauchi & Templer (1982). Financial well-being is measured by current stress management and expected future financial as proposed by Netemeyer et al., (2017). This research applies a quantitative approach using a survey method with online questionnaires that distributed to 400 respondents. The data were analyzed using descriptive statistical analysis, simple linear regression analysis and Wilcoxon signed test. The results of this study indicate that literacy has a significant effect on the financial well-being of young adults aged 17-30 years in DKI Jakarta. Attitudes toward money have a significant influence on the financial well-being of young adults aged 17-30 years in DKI Jakarta"

"Penelitian ini didasari oleh fenomena meningkatnya pendapatan masyarakat Indonesia pada beberapa tahun terkakhir, namun intensi menabung masyarakat justru cenderung menurun. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan financial self-efficacy terhadap intensi menabung pada karyawan dewasa muda. Pengukuran literasi keuangan dilakukan dengan menggunakan alat ukur Tes Pengetahuan Keuangan (Sjabadhyni dkk, 2016), pengukuran financial self-efficacy dilakukan menggunakan Financial Self-Efficacy Scale (Lown, 2011), dan pengukuran intensi menabung dikembangkan dari Ladhari dan Michaud (2015). Partisipan berjumlah 434 karyawan dewasa muda yang diperoleh melalui teknik accidental sampling. Hasil penelitian menujukkan bahwa terdapat pengaruh signifikan dari literasi keuangan dan financial self-efficacy secara bersama-sama terhadap intensi menabung (F=8.964, p < 0.01). Berdasarkan hasil penelitian, peneliti menyarankan karyawan dewasa muda untuk mampu meningkatkan literasi keuangan dan financial self-efficacy agar dapat membuat keputusan keuangan dengan lebih baik, misalnya keputusan untuk menabung di bank.

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This study was based on the phenomenon towards the rising income that Indonesian citizens have recieved in recent years, but the intention of saving is likely to decline. This study was conducted to find out the influence of financial literacy and financial self-efficacy on saving intention among young adult employees. Financial literacy was measured using Tes Pengetahuan Keuangan (Sjabadhyni dkk, 2016), financial self-efficacy was measured using Financial Self-Efficacy Scale (Lown, 2011), and saving intention scale was developed from Ladhari and Michaud (2015). The participants of this study were 434 young adult employees, which were obtained through accidental sampling technique.

The main result shows that there are significant influence of financial literacy and financial self-efficacy on saving intention (F=8.964, p < 0.01). Based on this result, it is suggested for young adult employees to improve their financial literacy and financial self-efficacy in order to make financial decision better, like the decision to saving in the bank."

"Penelitian ini bertujuan untuk mengetahui pengaruh dari Financial Socialization dan Financial Literacy terhadap Financial Well-Being dengan peran Financial Behavior sebagai yang mediasi. Penelitian menggunakan sampel karyawan swasta tingkat staf dan staf senior berdomisili di Jakarta, Bogor, Depok, Tangerang, dan Bekasi (Jabodetabek) berusia 21-35 tahun. Jumlah responden terkumpul pada penelitian ini sebanyak 251 responden. Penelitian diolah menggunakan metode Structural Equation Modeling dan software PLS-SEM. Hasil penelitian menunjukkan bahwa Financial Skills, Financial Self-Efficacy, dan Financial Behavior memiliki pengaruh positif terhadap Financial Well-Being. Financial Socialization, Financial Knowledge, Financial Skills memiliki pengaruh tidak langsung secara positif terhadap Financial Well-Being melalui Financial Behavior sebagai mediasi. Saran dan implikasi manajerial akan dijelaskan selanjutnya.

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This study aims to determine the effect of Financial Socialization and Financial Literacy on Financial Well-Being with the role of Financial Behavior as a mediation. The study used a sample of staff-level private employees and senior staff living in Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek) aged 21-35 years. The number of respondents collected in this study were 251 respondents. The research was processed using the Structural Equation Modeling method and PLS-SEM software. The results of the study show that Financial Skills, Financial Self-Efficacy, and Financial Behavior have a positive impact on Financial Well-Being. Financial Socialization, Financial Knowledge, Financial Skills have a positive indirect impact on Financial Well-Being through Financial Behavior as mediator. Managerial suggestions and implications will be explained next."

"Kegiatan investasi Generasi Z di Indonesia khususnya pada produk pasar modal memiliki pertumbuhan pesat. Generasi ini juga menjadi penyumbang angka investasi tertinggi di Indonesia. Meskipun begitu, pola konsumsi Generasi Z menunjukan bahwa mayoritas Generasi Z menggunakan pendapatannya untuk melakukan pembelian makanan dan kebutuhan komunikasi, bukan untuk melakukan investasi. Penelitian ini memiliki tujuan untuk mengertahui pengaruh parents’ financial behavior dan representative heuristic terhadap investment behavior Generasi Z di Indonesia dalam menggunakan produk pasar modal. Penelitian ini menguji mekanisme variabelfinancial literacy dan overconfidence sebagai variabel mediasi dengan menggunakan pendekatan structural equation modelling (SEM). Data yang digunakan dalam penelitian ini adalah 250 responden melalui survei cross sectional. Hasil penelitian ini menunjukan bahwa parents’ financial behavior dan representative heuristic secara memiliki pengaruh positif secara langsung terhadap investment behavior. Namun, variabel financial literacy terbukti tidak dapat memediasi hubungan antara parents’ financial behavior terhadap investment behavior Generasi Z di Indoensia. Variabel overconfidence terbukti memediasi secara parsial hubungan antara representative heuristic terhadap investment behavior Generasi Z di Indonesia dalam menggunakan produk investasi pasar modal. Penelitian ini juga berkontribusi pada implikasi manajerial yang diterapkan oleh perusahaan manajer investasi dan investor itu sendiri pada hal-hal yang berkaitan dengan invement behavior.

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Generation Z investment activities in Indonesia, especially in capital market products, have experienced rapid growth. This generation is also the highest contributor to investment figures in Indonesia. Even so, the consumption patterns of Generation Z show that the majority of Generation Z use their income to purchase food and communication needs, not to make investments. This study aims to investigate the influence of parents' financial behavior and financial literacy on the investment behavior of generation Z in Indonesia in using capital market products. This study examines the mechanism of financial literacy and overconfidence variables as media variables using a structural equation modeling (SEM) approach. The data used in this study were 250 respondents through a cross sectional survey. The results of this study indicate that parents' financial behavior and representative heuristics have a direct positive influence on investment behavior. However, the financial literacy variable is proven to be unable to mediate the relationship between parents' financial behavior on the investment behavior of generation Z in Indonesia. The overconfidence variable is proven to partially mediate the relationship between the representative heuristic and the investment behavior of generation Z in Indonesia in using capital market investment products. This research also contributes to the managerial implications applied by investment manager companies and investors themselves on matters relating to investment behavior."

"Penelitian ini bertujuan untuk menganalisis pengaruh financial self efficacy terhadap preferensi penggunaan produk perbankan. Penelitian ini merupakan penelitian eksplanatif dengan metode analisis binary logit model. Populasi pada penelitian ini adalah penduduk DKI Jakarta berusia 17 sampai 60 tahun. Sampel yang diambil sebanyak 200 responden yang tersebar di 5 kota administrasi di provinsi DKI Jakarta. Teknik penarikan sampel yang dilakukan dalam penelitian ini adalah secara quota sampling. Hasil dari penelitian ini menunjukan bahwa variabel independen financial self efficacy beserta ketiga indikatornya berpengaruh secara signifikan terhadap preferensi penggunaan produk perbankan. Sedangkan secara parsial, financial self efficacy scale berpengaruh terhadap preferensi penggunaan saving product dan liabilities product, willingness to take financial risk hanya berpengaruh terhadap preferensi penggunaan saving product, dan financial literacy factors berpengaruh terhadap preferensi penggunaan saving product dan liabilities product.

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This study aims to analyze the influence of financial self efficacy toward the preferences of using banking product. This research is an explanative research with binary logit model analysis method. The population in this study is citizens of DKI Jakarta aged 17 to 60 years. The sample is 200 respondents spread over 5 administrative areas in Jakarta. Sampling technique conducted in this research is quota sampling.

The results of this study indicate that the independent variable financial self efficacy and its three indicators significantly influence the preferences of using banking products. While partially, the financial self efficacy scale has an effect on the preference of using saving product and liabilities product, willingness to take financial risk only influence saving product preferences, and financial literacy factors influence the preference of saving product and liabilities product."

"Penelitian ini bertujuan untuk menganalisis perilaku menabung pada Generasi-Z di wilayah Jabodetabek dan faktor-faktor yang mempengaruhinya, dengan fokus pada financial literacy, pengaruh orangtua, pengaruh teman sebaya, dan self-control sebagai variabel mediasi. Penelitian ini menggunakan metode data primer melalui penggunaan kuesioner sebagai alat pengumpulan data. Studi ini melibatkan sampel Generasi-Z yang berada di wilayah Jabodetabek. Responden dipilih secara acak menggunakan teknik random sampling untuk memastikan representativitasnya. Kuesioner dirancang dengan pertanyaan terstruktur yang mencakup aspek-aspek yang relevan dengan perilaku menabung, termasuk tingkat financial literacy, pengaruh orangtua dan teman sebaya, serta tingkat self-control. Data primer yang terkumpul dari kuesioner akan dianalisis menggunakan teknik analisis statistik deskriptif dan metode analisis jalur (path analysis) untuk menguji hubungan antara variabel-variabel yang ada. Pengujian dibantu dengan platform IBM SPSS 29.0.1.0 untuk uji pre-test dan menggunakan platform SmartPLS 3.2.9 untuk pengujian data main test. Hasil penelitian menemukan bahwa 5 dari 6 hipotesis berpengaruh signifikan positif, yakni pada variabel parental influence terhadap financial literacy, peer influence terhadap financial literacy, financial literacy terhadap saving behaviour, financial literacy me-mediasi antara parental influence dan saving behaviour, dan financial literacy me-mediasi antara peer influence dan saving behaviour. Sedangkan variabel selfcontrol me-moderasi hubungan antara financial literacy dan saving behaviour terbukti signifikan negatif.

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This research aims to analyze the saving behavior among Generation Z in the Jabodetabek area and the influencing factors, focusing on financial literacy, parental influence, peer influence, and self-control as a mediating variable. This research utilizes the primary data method through the use of a questionnaire as a data collection instrument. The study involves a sample of Generation Z individuals residing in the Jabodetabek area. Respondents are randomly selected using the random sampling technique to ensure representativeness. The questionnaire is designed with structured questions that encompass relevant aspects of saving behavior, including the level of financial literacy, parental influence, peer influence, and self-control. The collected primary data from the questionnaire will be analyzed using descriptive statistical analysis techniques and path analysis methods to test the relationships between the variables. The testing process is supported by IBM SPSS 29.0.1.0 for pre-test analysis and SmartPLS 3.2.9 for the main test analysis. The results of the study indicate that 5 out of 6 hypotheses have a significant positive influence, namely parental influence on financial literacy, peer influence on financial literacy, financial literacy on saving behavior, financial literacy mediating between parental influence and saving behavior, and financial literacy mediating between peer influence and saving behavior. Additionally, the variable of self-control moderates the relationship between financial literacy and saving behavior, showing a significant negative effect."

"Penelitian ini bertujuan untuk menganalisis perbedaan financial literacydan financial distress/financial well-beingpada karyawan yang berkerja di bidang keuangan dan bidang non keuangan di DKI Jakarta.Sampel terdiri dari 290 responden yang terdiri dari 145 karyawan yang bekerja di bidang keuangan dan 145 karyawan yang bekerja di bidang non-keuangan di DKI Jakarta. Penelitian ini menggunakan pendekatan kuantitatif dan survei kuisioner secara onlinedengan data primer yang dianalisis menggunakan statistik deskriptif dan uji beda. Hasil penelitian ini menunjukkan bahwa terdapat perbedaan pada variabel financial literacyantara karyawan yang bekerja di bidang keuangan dengan karyawan yang bekerja di bidang non keuangan. Namun, pada variabel financial distress/financial well-beingtidak terdapat perbedaan antara karyawan yang bekerja di bidang keuangan dengan karyawan yang bekerja di bidang non keuangan. Selain itu, tidak ada faktor sosialekonomi dan demografi yang berpengaruh terhadap financial literacy, sedangkan faktor pendapatan adalah faktor sosialekonomi dan demografi yang berpengaruh terhadap financial distress/financial well-being.

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This study aims at analysing the difference in financial literacy level and financial distress/well-being level between employees who are working in financial and non-financial sector. The sample amounts to 290 employees, which then grouped  into equally balanced number representing the financial and non-financial sector. This study uses quantitative approach with online survey and  analyzed using descriptive statistics, different test (independent sample t-test), and Kolmogorov-Smirnov Test. The result shows that there is a difference between the two groups in financial literacy level with Employees Working in the Financial Sector group shows superior level compares to the Employees Working in the non Financial Sector  group. In terms of financial distress/well-being variabel, is the result shows no difference between the two grups. Another result is there are no socioeconomic and demographic factors that affect financial literacy, while income factors are socioeconomic and demographic factors that affect financial distress /financial well-being."

"Penelitian ini dilakukan dengan tujuan untuk menguji pengaruh financial literacy dan access to finance terhadap growth dari usaha mikro di Indonesia, dengan digital finance dan usage of digital technology sebagai mediasi. Penelitian ini menggunakan metode kuantitatif dengan usaha mikro Indonesia sebagai respondennya. Pengambilan sampel didapatkan sebanyak 178 responden, yang dilakukan dengan menyebarkan kuesioner ke komunitas besar UMKM: Jakpreneur dan Growprenuer BRI. Seluruh data yang telah dikumpulkan diolah menggunakan metode PLS-SEM. Hasil penelitian menunjukan bahwa financial literacy dan access to finance memiliki pengaruh signifikan terhadap growth dari usaha mikro di Indonesia. Peran mediasi digital financce dan usage of digital technology juga secara signifikan memediasi hubungan antara access to finance dan growth dari usaha mikro.

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This research was conducted to examine the effect of financial literacy and access to finance on the growth of micro-enterprises in Indonesia, with digital finance and the use of digital technology as mediation. This study uses a quantitative method with Indonesian micro-enterprises as respondents. Sampling obtained a total of 178 respondents, which was carried out by distributing questionnaires to the large community of MSMEs: Jakpreneur and BRI Growprenuer. All data that has been collected is processed using the PLS-SEM method. The study results show that financial literacy and access to finance significantly influence the growth of micro-enterprises in Indonesia. The mediating role of digital finance and the usage of digital technology also significantly mediate the relationship between access to finance and micro-enterprise growth."

"Kelompok etnis minoritas Chinese Indonesian memiliki kontribusi ekonomi yang signifikan di Indonesia. Penelitian ini melihat dimensi risiko spesifiknya toleransi risiko keuangan dan pengaruh dari variabel financial literacy, financial threat, dan faktor demografis dan sosioekonomi. Penelitian menggunakan metode non-probability sampling. Penelitian ini menganalisis 401 responden dengan rentang generasi X, Y, dan Z yang merupakan bagian dari kelompok Chinese Indonesian. Metode pengumpulan data yang digunakan adalah survei online dan data yang dan diolah dengan teknik Multiple Linear Regression. Hasil dari olahan data menunjukkan bahwa financial literacy, financial threat, gender, tingkat pendidikan, dan kelompok ekonomi signfikan memengaruhi toleransi risiko keuangan. Namun, status perkawinan, kelompok generasi, dan status pekerjaan, tidak signifikan terhadap toleransi risiko. Level toleransi risiko keuangan di kelompok etnis Chinese Indonesian tergolong moderat.

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The Chinese Indonesian ethnic minority group has a significant economic contribution in Indonesia. This research looks at risk dimensions specifically financial risk tolerance and the influence of financial literacy, financial threat, and demographic and socioeconomic factors. The research uses a non-probability sampling method. This research analyzed 401 respondents ranging from generations X, Y and Z who were part of the Chinese Indonesian group. The data collection method used was an online survey and the data was processed using the Multiple Linear Regression technique. The results of the processed data show that financial literacy, financial threat, gender, education level and economic group significantly influence financial risk tolerance. However, marital status, generational group, and employment status were not significant for risk tolerance. The level of financial risk tolerance in the Chinese Indonesian ethnic group is classified as moderate."