PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN GENERASI MILENIAL

Abstract

The millennial generation is an interesting group to study because their lives are in an important phase of education, employment, and financial planning. This study aims to analyze the influence of financial literacy, financial attitudes, and lifestyle on the financial management of millennials. This study uses primary data obtained from filling out questionnaires. The sampling technique used in this study was purposive sampling with a sample size of 150 respondents. The data analysis used is Structural Equation Modeling (SEM) with Partial Least Square (PLS) analysis tools. The results of this study indicate that financial attitudes have a positive and significant effect on the financial management of the millennial generation. Positive changes in attitudes towards finance can help improve the ability to manage their finances. Meanwhile, financial literacy and lifestyle variables do not affect financial management.