PENGARUH FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, DAN LOCUS OF CONTROL SEBAGAI VARIABEL INTERVENING TERHADAP GAYA HIDUP KONSUMTIF ANAK MUDA DI SAMARINDA

Bella Puspita, Imam Nazarudin Latif, Akhmad Al Aidhi

Abstract


Financial literacy refered to one's ability to manage finances effectively. Many young people experience financial lost due to a lack of understanding of financial literacy. Financial technology made it easy for young people to manage their finances, but their locus of control determined the extent to which they feel responsible for financial decisions. Locus of control played an important role in shaping young people's consumptive lifestyle, especially appearance issues because they tent to follow trends. The purpose of this study was to determine and analyze the effect of financial literacy, financial technology and locus of control as intervening variables on the consumptive lifestyle of young people in Samarinda. The theoretical basis used in this study consists of financial management, financial literacy, financial technology, locus of control and consumptive lifestyle.

This study was conducted among young people in Samarinda. This type of research was quantitative research. The population in this study were all young people (men and women) in Samarinda. Calculation of the research sample used the Hair formula obtained a sample size of 120 respondents using non-probability sampling techniques with purposive sampling method. Data collection was carried out by distributing questionnaires from google form using a Likert scale. The analysis test tool used SmartPLS 4.0 with the SEM (Structural Equation Modeling) analysis method.

The results showed that financial literacy had a positive and significant effect on locus of control. Financial technology had a positive and significant effect on locus of control. Locus of control had a positive and insignificant effect on consumptive lifestyles. Financial literacy had a positive and insignificant effect on consumptive lifestyles. Financial technology had a positive and insignificant effect on consumptive lifestyles. Financial literacy and financial technology had a positive but insignificant effect on consumptive lifestyles through locus of control.



Keywords


Financial Literacy, Financial Technology (fintech), Locus of Control, Consumptive Lifestyle

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