PERBEDAAN FINANCIAL BEHAVIOUR ANTARA GENERASI Y DAN GENERASI Z

Abstract

Financial behavior is different for different generations, such as in generations Y and Z, when the research was conducted they were still relatively young, they have different characteristics and of course have different financial behavior. This study aims to examine the differences in financial behavior of generations Y and Z which are influenced by financial literacy, attitude toward money and locus of control. The method of data analysis in this study used multiple linear regression and SPSS 25 program for data processing. The findings of this study are that there is a significant effect from the variable of financial literacy and locus of control on the financial behavior of generation Y but the attitude towards money has no effect. In contrast to generation Z, the three independent variables have no effect on financial behavior. When compared between the two generations, the differences in financial behavior are only found in the financial literacy and locus of control variables, while for the attitude towards money there is no significant difference between the two generations.