PENGARUH LITERASI KEUANGAN DAN ORIENTASI MASA DEPAN TERHADAP PERILAKU KEUANGAN DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL MODERASI (Studi Pada Generasi Y di Kabupaten Grobogan)

Atmiji, Arna Nimas Dwi (2025) PENGARUH LITERASI KEUANGAN DAN ORIENTASI MASA DEPAN TERHADAP PERILAKU KEUANGAN DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL MODERASI (Studi Pada Generasi Y di Kabupaten Grobogan). Thesis thesis, STIE Bank BPD Jateng.

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Abstract

This research analyzes the influence of financial literacy and future orientation on the financial behavior of Generation Y in Grobogan Regency with locus of control as a moderating variable. The background to this research stems from the increasing use of consumer credit and the low quality of financial management among the productive generation. This research uses quantitative methods with an explanatory research approach. The research sample of 100 respondents was selected using the purposive sampling method. Data was collected through questionnaires and analyzed using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method with SmartPLS 4. The research results showed that financial literacy and locus of control had a positive and significant effect on financial behavior, while the effect of future orientation was smaller. Locus of control is proven to strengthen the relationship between financial literacy and financial behavior as well as future orientation and financial behavior. The research implications emphasize the importance of financial education and strengthening self-control to improve financial well-being.

Item Type: Thesis (Thesis)
Additional Information: Penelitian ini menganalisis pengaruh literasi keuangan dan orientasi masa depan terhadap perilaku keuangan Generasi Y di Kabupaten Grobogan dengan locus of control sebagai variabel moderasi. Latar belakang penelitian ini berangkat dari meningkatnya penggunaan kredit konsumtif dan rendahnya kualitas pengelolaan keuangan di kalangan generasi produktif. Penelitian ini menggunakan metode kuantitatif dengan pendekatan explanatory research. Sampel penelitian sebanyak 100 responden dipilih menggunakan metode purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) dengan SmartPLS 4. Hasil penelitian menunjukkan bahwa literasi keuangan dan locus of control berpengaruh positif dan signifikan terhadap perilaku keuangan, sedangkan pengaruh orientasi masa depan lebih kecil. Locus of control terbukti memperkuat hubungan antara literasi keuangan dan perilaku keuangan serta orientasi masa depan dan perilaku keuangan. Implikasi penelitian menekankan pentingnya edukasi keuangan dan penguatan kontrol diri untuk meningkatkan kesejahteraan finansial.
Uncontrolled Keywords: Financial Literacy, Future Orientation, Locus of Control, Financial Behavior
Subjects: H Social Sciences > HG Finance
Divisions: Faculty of Law, Arts and Social Sciences > School of Management
Depositing User: Wisudawan S2
Date Deposited: 17 Sep 2025 04:44
Last Modified: 17 Sep 2025 04:44
URI: http://eprints.stiebankbpdjateng.ac.id/id/eprint/2405

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