Analisis Faktor-faktor yang Mempengaruhi Financial Well Being pada Generasi Milenial di Kota Batam

Cecilia, Meilinda (2020) Analisis Faktor-faktor yang Mempengaruhi Financial Well Being pada Generasi Milenial di Kota Batam. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Tujuan utama dalam melakukan penelitian ini adalah untuk mengetahui dan merumuskan apakah financial stress, financial literacy, financial attitude, financial socialization agents dan financial behavior mampu mempengaruhi financial well being generasi milenial di Kota Batam. Financial well being merupakan kondisi dimana seseorang mampu mencapai kemakmuran keuangan seperti mampu memenuhi kebutuhan dan keinginan serta mampu mengatur keuangannya dengan baik. Financial well being sangatlah penting karena dengan mampu mencapainya akan membuat kehidupan seseorang menjadi lebih baik. Generasi milenial adalah harapan dan cerminan suatu bangsa. Generasi milenial harus dididik dan diperhatikan untuk bantu memajukan suatu negara. Penelitian ini dilakukan dengan metode pembagian kuesioner pada generasi milenial di Kota Batam yang berkisar usia dari 15-39 tahun untuk penggumpulan data. Pengumpulan data responden dilakukan sesuai target dengan membagikan kepada 300 responden dengan tingkat pengembalian 100%. Data responden tersebut kemudian diolah menggunakan sistem software atau Statistical Product and Service Solutions versi 21 dengan model penelitian regresi linear berganda (multiple linear regression). Dalam penelitian ini menghasilkan satu pernyatan yang berbeda dengan hipotesis awal. Financial literacy, financial attitude dan financial socialization agents dinyatakan memiliki hubungan signifikan positif dengan financial well being terhadap generasi milenial di Kota Batam. Financial stress dinyatakan memiliki hubungan signifikan negatif dengan financial well being. Kedua pernyataan yang dihasilkan tersebut sesuai dengan hipotesis awal yang telah dirumuskan. Financial behavior dinyatakan tidak memiliki hubungan signifikan dengan financial well being yang memiliki hasil yang berbeda dari hipotesis awal. ********************************************************************** The main objective in conducting this research is to find out and formulate whether financial stress, financial literacy, financial attitude, financial socialization agents and financial behavior are able to influence financial wellbeing in millennials of Batam. Financial wellbeing is a condition where someone is able to achieve financial prosperity such as being able to meet their needs and desires and be able to manage their finances well. Financial wellbeing is very important because being able to achieve it will make a person’s life better. Millennial are the hope and reflection of a nation. Millennial must be educated and nurtured to help advance a country. This research was conducted by the method of questionnaire distribution to millennials in Batam, ranging in age from 15-39 for data collection. Respondent data collection was carried out according to the target by distributing to 300 respondents with 100% return rate. Respondent data is then processed using software system or Statistical Product and Service Solutions version 21 with multiple linear regression research models. This study produced a statement that was different from the initial hypothesis. Financial literacy, financial attitude and financial socialization agents are stated to have a significant positive relationship with financial well being towards millennials of Batam. Financial stress is stated to have a significant negative relationship with financial wellbeing. Both statements produced are in accordance with the initial hypothesis that has been formulated. Financial behavior is stated to have no significant relationship with financial well being which has different results from the initial hypothesis.

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