PENGARUH FINANCIAL LITERACY, MATERIALISM, RISK PERCEPTION, DAN MONEY VALUE TERHADAP PROPENSITY TO INDEBTEDNESS

MITTA, DHYANITARA (2021) PENGARUH FINANCIAL LITERACY, MATERIALISM, RISK PERCEPTION, DAN MONEY VALUE TERHADAP PROPENSITY TO INDEBTEDNESS. Skripsi thesis, Universitas Tarumanagara.

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Abstract

This study aims to determine whether there is an effect of 1)financial literacy on propensity to indebtedness 2)materialism on propensity to indebtedness 3)risk perception on propensity to indebtedness 4)money value on propensity to indebtedness. In this study, there were 200 respondents from the millennial generation and domiciled in Jakarta who were successfully collected through a questionnaire with purposive sampling technique. The data that has been successfully collected is then processed using the PLS-SEM method. The hypothesis test result shows that there is a negative effect of financial literacy on propensity to indebtedness, there is a positive effect of materialism on propensity to indebtedness, and there is a negative effect of risk perception on propensity to indebtedness. However, there is no effect of money value on propensity to indebtedness. Keywords: Financial literacy, Materialism, Risk Perception, Money Value, Propensity to Indebtedness. Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh 1)financial literacy terhadap propensity to indebtedness 2)materialism terhadap propensity to indebtedness 3)risk perception terhadap propensity to indebtedness 4)money value terhadap propensity to indebtedness. Pada penelitian ini terdapat 200 orang responden dari generasi milenial dan berdomisili di kota Jakarta yang berhasil dikumpulkan melalui kuesioner dengan teknik pengambilan sampel purposive sampling. Data yang telah berhasil dikumpulkan kemudian diolah dengan metode analisis data PLS-SEM. Hasil pengujian hipotesis menunjukkan terdapat pengaruh negatif financial literacy terhadap propensity to indebtedness, terdapat pengaruh positif materialism terhadap propensity to indebtedness, dan terdapat pengaruh negatif risk perception terhadap propensity to indebtedness. Namun, tidak terdapat pengaruh money value terhadap propensity to indebtedness. Kata kunci: Financial literacy, Materialism, Risk Perception, Money Value, Propensity to Indebtedness

Item Type:	Thesis (Skripsi)
Subjects:	Skripsi/Tugas Akhir Skripsi/Tugas Akhir > Fakultas Ekonomi
Divisions:	Fakultas Ekonomi > Manajemen
Depositing User:	FE Perpus
Date Deposited:	20 Jun 2022 06:48
Last Modified:	25 Jul 2023 02:53
URI:	http://repository.untar.ac.id/id/eprint/36327

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