THE INFLUENCE OF LOCUS OF CONTROL, LIFESTYLE, AND FINANCIAL SOCIALIZATION, ON FINANCIAL MANAGEMENT BEHAVIOR IN SHOPEE PAYLATER USER STUDENTS

ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Pub Date : 2024-01-19 DOI:10.36987/ecobi.v11i1.5278

Wahyu Wigati, Haryati Setyorini

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Abstract

The younger generation, including university students, is a generation that is not good at managing their finances. This is because today's young generation has a different lifestyle from previous generations. This generation tends to have a more extravagant lifestyle and find it difficult to save. This habit will certainly result in financial risks that will be faced in the future, due to poor financial management. So that this research aims to see how the influence of locus of control on the financial management behavior of student users of Shopee paylater. The influence of lifestyle on the financial management behavior of Shopee paylater user students. As well as the influence of financial socialization on the financial management behavior of student users of Shopee paylater. The object of this research is students in the city of Surabaya with a sample size of 101 respondents. The sample was obtained using purposive sampling method. The data analysis technique used is multiple linear regression. The first result obtained is that there is a significant positive effect of locus of control on financial management behavior. The second result obtained is that there is no significant effect of lifestyle on financial management behavior. And the third result obtained is that there is no significant effect of financial socialization on financial management behavior

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控制感、生活方式和财务社会化对购物易支付用户学生财务管理行为的影响

包括大学生在内的年轻一代是不善于理财的一代。这是因为当今年轻一代的生活方式与上一代不同。这一代人的生活方式往往比较奢侈，很难储蓄。由于理财不善，这种习惯必然会导致未来面临财务风险。因此，本研究旨在了解控制位置对 Shopee paylater 学生用户理财行为的影响。生活方式对 Shopee paylater 用户学生理财行为的影响。以及理财社会化对Shopee paylater用户学生理财行为的影响。研究对象为泗水市的学生，样本量为 101 人。样本采用目的抽样法获得。使用的数据分析技术是多元线性回归。得出的第一个结果是，控制感对财务管理行为有显著的正向影响。第二个结果是生活方式对财务管理行为没有显著影响。第三个结果是，财务社会化对财务管理行为没有明显影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN)

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