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Perilaku Pengelolaan Keuangan Dan Impulsive Buying Wanita Muslim Surabaya
Abstract
Kemajuan teknologi secara langsung berdampak pada kemajuan diberbagai bidang. Salah satunya bidang perdagangan, yang menyebabkan banyak tumbuh pusat-pusat perbelanjaan khususnya di Surabaya. Bagi sebagian orang terutama wanita, berbelanja tidak hanya untuk memenuhi kebutuhan, berbelanja juga dapat menjadi hal yang menyenangkan sehingga membuat kecenderungan untuk melakukan kegiatan hedonic yang akhirnya mengarahkan pada perilaku impulsive buying. Penelitian ini bertujuan untuk menganalisis perilaku keuangan, yaitu Financial Attitude, Financial Practice dan Financial Knowledge dan dampaknya terhadap perilaku Impulsive Buying para wanita muslim di surabaya. Data diperoleh dari 102 responden dengan menggunakan kuesioner dengan teknik convenience sampling dan snowball sampling. Setelah diuji menggunakan multiple regression analysis, hasil dari penelitian ini menunjukkan bahwa Financial Attitude (FA) dan Financial Practice (FP) berpengaruh signifikan terhadap Impulsive Buying. Keywords: perilaku keuangan, impulsive buying, muslim, attitude, knowledge.
... Setiap individu membutuhkan financial knowledge untuk dapat mengelola keuangan secara efektif agar mencapai kesejahteraan hidup (Dwiastanti, 2015). Seseorang dengan financial knowledge yang tinggi dapat menggunakan uangnya dengan bijak (Wulandari et al., 2018). Chen & Volpe (1998) mengatakan bahwa financial knowledge dapat menjadi indikasi pemahaman setiap individu dalam hal keuangan yang mencangkup pengetahuan investasi dan menabung. ...
Penelitian ini bertujuan untuk mengkaji hubungan antara financial knowledge dan financial attitude terhadap financial behavior karyawan bank dimediasi self-confidence. Jenis penelitian yang digunakan adalah penelitian kuantitatif dengan metode deskriptif. Jenis dan sumber data yang digunakan adalah data primer yang dikumpulkan langsung oleh peneliti dari objeknya. Pengumpulan data dilakukan dengan menggunakan google form. Karakteristik responden penelitian adalah karyawan bank dengan pengalaman kerja di bank minimal 2 tahun yang masih aktif bekerja pada bank yang berlokasi di Surabaya. Jumlah responden penelitian adalah 111 responden. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis deskriptif, validitas konvergen, validitas diskriminan, reliabilitas komposit, R-square, Q-square, dan Uji-T dengan bantuan program software PLS. Hasil analisa menunjukkan bahwa financial knowledge dan financial attitude berpengaruh terhadap financial behavior karyawan bank. Namun, financial attitude dan financial knowledge yang dimediasi self-confidence tidak berpengaruh terhadap financial behavior karyawan bank.
... Terdapat korelasi yang signifikan antara live shopping dan perilaku impulse buying (Dinova & Suharyati, 2023). (Wulandari & Adiba, 2018) Bagi sebagian orang, berbelanja adalah aktivitas yang menyenangkan. Melalui berbelanja, seseorang dapat memilih dan memiliki barang -barang yang mereka butuhkan maupun inginkan, darihal tersebut dapat membuat munculnya pembelian impulsif. ...
Tujuan penelitian ini untuk meneliti perilaku impulse buying pada mahasiswa Ekonomi Syariah dalam e-commerce shopee yang ditinjau dari perspektif bisnis syariah. Metode penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan studi kasus. Pendekatan ini melibatkan metode pengumpulan data seperti wawancara, observasi, dan dokumentasi yang dilakukan terhadap informan. Informan dari penelitian ini yaitu mahasiswa Ekonomi Syariah yang melakukan pembelian secara online melalui marketplace shopee pada saat event diskon 50% live streaming. Temuan dari penelitian ini mengindikasikan bahwa, mahasiswa ekonomi syariah UTM termasuk kedalam kategori impulse buying, diantaranya pure impulse buying, suggestion impulsive buying, dan plannedimpulse buying. Walaupun demikian mahasiswa ekonomi Syariah UTM tetap memahami dan memperhatikan prinsip - prinsip bisnis syariah. Diantaranya, Prinsip Illahiyah, Prinsip Nabawi, Prinsip Adliyah, Prinsip Hurriyah, dan Prinsip Musawwah
... (Andira & Asiyah, 2022), (Dilasari, 2020), (Wulandari & Adiba, 2018) H3 : Locus of control memediasi pengaruh literasi keuangan terhadap perilaku konsumtif. (Siregar & Chairiah, 2022), (Izazi et al., 2020) H4 : Locus of control memediasi pengaruh sikap keuangan terhadap perilaku konsumtif. ...
This research aims to examine and analyze the influence of financial literacy on consumptive behavior, the influence of financial attitudes on consumptive behavior, the role of locus of control in mediating the influence of financial literacy on consumptive behavior, and the role of locus of control in mediating the influence of financial attitudes on consumptive behavior. The research method used is a quantitative research method with primary data obtained from questionnaire data which is measured using a Likert scale. The population in this study were students from the Faculty of Economics, UIN Malang, class 2020 and 2021, totaling 1039 students. The sampling method used in this research was the proportional random sampling method, so that a sample of 91 respondents was obtained. This research data was obtained from distributing questionnaires which were then processed using SmartPLS 4.0 software. The results of this research show that financial literacy has a positive and significant effect on consumer behavior, financial attitudes have a positive and significant effect on consumptive behavior, locus of control mediates the effect of financial literacy on consumptive behavior, and locus of control mediates the effect of financial attitudes on consumptive behavior. Keywords: Financial Literacy, Financial Attitude, Consumptive Behavior, Locus of Control.
This paper presents a description of the development and testing of a framework for understanding the determinants of financial satisfaction. This study used data obtained from a random sample of white-collar clerical workers (N = 220). Direct, as well as indirect, effects on financial satisfaction were identified using a path analysis method. It was determined that financial satisfaction is related, both directly and indirectly, with diverse factors including financial behaviors, financial stress levels, income, financial knowledge, financial solvency, risk tolerance, and education. Findings support the continued and increased use of targeted education initiatives directed at improving the financial literacy and behavior of family and consumer economics constituencies.
Given the increasing importance of entertainment as a retailing strategy, this study identifies a comprehensive inventory of consumers’ hedonic shopping motivations. Based on exploratory qualitative and quantitative studies, a six-factor scale is developed that consists of adventure, gratification, role, value, social, and idea shopping motivations. Using the six-factor hedonic shopping motivation profiles, a cluster analysis of adult consumers reveals five shopper segments, called here the Minimalists, the Gatherers, the Providers, the Enthusiasts, and the Traditionalists. The utility of the proposed scale is discussed both for future research and retail strategy.
The third edition of this Australian text continues to convey the essence of consumer behaviour and to connect psychological, socio- cultural and decision making aspects of the discipline. While the book is based on the American edition of Schiffman, it has been heavily adapted to suit the Australian market. <br /
The increasing trend in bankruptcies rate in Malaysia is alarming, particularly among the younger households. The competing explanations for this phenomenon are households are not practicing responsible financial behavior, versus the low and stagnant income in comparison with the increasing cost of living. This study aims to examine the determinants of household financial position, using Structural Equation Modeling (SEM) as the tool of analysis. The data is collected through a self-administrated survey distributed among urban household in Klang Valley, Malaysia. The findings showed that the most dominant determinant of having a good financial position is responsible financial behavior, not income. In turn, responsible financial behavior is strongly related to having sound financial knowledge. For policy purposes, this implies that providing household with financial knowledge and educating them on the need to practice good financial behavior could prove useful in approaching the issue of financially troubled households.
The purpose of this study was to compare men and women for differences in affective and cognitive processes associated with impulse buying behavior and to identify gender differences in terms of impulsive purchases made from a variety of product categories. A total of 277 students served as the sample. Using analysis of variance tests, males and females were found to be significantly different with respect to affective process components (irresistible urge to buy, positive buying emotion and mood management) and cognitive process components (cognitive deliberation and unplanned buying). Significant differences were also found between men and women in the frequency with which the following product categories were purchased on impulse: shirts/sweaters, pants/skirts, coats, underwear/lingerie, accessories, shoes, electronics, hardware, computer software, music CDs or DVDs, sports memorabilia, health/beauty products, and magazines/books for pleasure reading.
Impulsive buying behavior has been the subject of a large amount of empirical research, but little research exists that actually examines the significant predictors of impulsive buying behaviors in adolescents. The purpose of this study was to investigate the attitudes of adolescents towards credit and money and the personal financial planning practices they follow, and to examine how these attitudes and practices influenced their impulsive buying behavior. Data were collected from 906 adolescent Taiwanese college and university students. A logistic regression model was used to identify which students were more likely and which were less likely to make impulsive purchases. The significant predictors were the following 8 variables: gender, age, having taken a course in personal finance, use of money as a reward, family of origin, affective credit attitude, cognitive credit attitude, behavioral credit attitude, and money attitude.
Perceived economic well-being refers to judgments of one's economic situation in light of what is required and desired. Two hypotheses were tested and confirmed with a sample of couples: 1) that before reaching judgment, people pass objective and perceptual information through two mediators, comparison of economic outcomes and level of strain and 2) that men and women differ. Comparison of economic outcomes accounted for over half the explained variance in two models. Level of strain was significant in both models, but accounted for only a small portion of the explained variance. In order that educators, social workers, policy makers, financial counselors, and marital therapists may adequately address concerns about a person's financial quality of life (perceived economic well-being), researchers must develop an understanding of which factors influence that perception. Perceived economic well-being refers to the perception of one's economic situation in light of what is required and desired. Strumpel (1976) and Moen (1980) reported the necessity of using perceptual (subjective) measures in addition to objective measures when measuring perceived economic well-being. This study analyzes a volunteer sample to explore modeling of perceived economic well-being. Past research identified a variety of predictors of an individual's perceived economic well-being. Those predictors include objective information, such as income and marital status, as well as perceptual information such as personal values and social comparisons. The majority of research has been concerned with identifying the direct relationships of predictor variables to perceived economic well-being. Few studies have addressed the variables that may mediate the relationships between the information variables and perceived economic well-being.
Financial literacy (or financial knowledge) is typically an input to model the need for financial education and explain variation in financial outcomes. Defining and appropriately measuring financial literacy is essential to understand educational impact as well as barriers to effective financial choice. This article summarizes the broad range of financial literacy measures used in research over the last decade. An overview of the meaning and measurement of financial literacy is presented to highlight current limitations and assist researchers in establishing standardized, commonly accepted financial literacy instruments.
In a study of college students, affective credit attitude (feeling about using credit cards) and gender influenced college students' credit purchasing. Affective credit attitude predicted the purchase of clothing, electronics, entertainment, travel, gasoline, and food away from home. Females purchased clothing; males purchased electronics, entertainment, and food away from home. Gender was more influential in predicting financial management practices than was affective credit attitude, with female students employing a greater number of financial practices. A path analysis model showed gender differences in the relationship between financial practices, financial stress, affective credit attitude, and the number of credit cards with a balance.
This study examines the effects of (1) gender, (2) financial hardship, and (3) locus of control (LOC), on people's money attitudes. The contributions of our study are two-fold. First, while research in the area of money attitudes has burgeoned recently, relatively few studies have been conducted in the context of Asia. Thus, our study fills this void in the literature by examining people's money attitudes in Singapore. Second, our study extends Lim and Teo's study (Lim & Teo, 1997) on sex, money and financial hardship, by focusing on the money attitudes of working adults, and by examining how LOC influences money attitudes. Respondents comprised 305 ethnic Chinese working adults. Logistic regression analysis results suggest that men were more concerned about the power and anxiety dimensions, while women were more concerned about the budget, retention and evaluation dimensions of money attitudes. Those who had experienced financial hardship were more likely to view money as a source of power and less likely to be non-generous (i.e. more likely to be generous). Internals tended to budget their money, while externals tended to view money as a source of power, use money as a tool for evaluation and be more non-generous (i.e. less generous).