PENGARUH FINANCIAL LITERACY, MATERIALISM, COMPULSIVE BUYING TERHADAP PROPENSITY TO INDEBTEDNESS
Keywords:
Financial literacy, materialism, compulsive buying, propensity to indebtedness
Abstract
Penelitian ini bertujuan untuk meneliti pengaruh financial literacy, materialism, compulsive buying terhadap perilaku propensity to indebtedness. Populasi dalam penelitian ini adalah masyarakat yang berdomisili dan bertempat tinggal di Surabaya. Sampel yang digunakan berjumlah 185 masyarakat yang berdomisili dan bertempat tinggal di Surabaya. Data dikumpulkan dengan menggunakan kuesioner. Metode analisis data dilakukan dengan menggunakan partial least square. Hasil analisis ini menunjukkan financial literacy, materialism, dan compulsive buying memiliki pengaruh signifikan terhadap propensity to indebtedness.
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References
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Ponchio, M. (2006). The influence of materialism on consumption indebtedness in the context of low income consumers from the city of Sao Paulo. Escola de Administração de Empresas de São Paulo da Fundação Getúlio Vargas, 175.
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Richins, M. (2004). The material values scale : measurement properties and development of a short form. Journal of Consumer Research, 209-219.
Roberts, J. (1998). Compulsive buying among college students: an investigation of its antecedents, consequences, and implications for public policy. Journal of Consumer Affairs, 295-308.
Shockey, S. (2002). “Low-wealth adults financial literacy. Money management behavior and associates factors, including critical thinking”. Doctorate, University of Utah.
Surya. (2017, November 21). Tahun 2019, Bank Indonesia Targetkan Banked People 75 Persen. Retrieved from SURYA.co.id: http://surabaya.tribunnews.com/2017/11/21/tahun-2019-bank-indonesia-targetkan-banked-poeple-75-persen
Surya. (2018, Januari 3). Realisasi Pendapatan Pajak di Kanwil DJP Jatim I Capai 88,39 Persen. Retrieved from SURYA.co.id: http://surabaya.tribunnews.com/2018/01/03/realisasi-pendapatan-pajak-di-kanwil-djp-jatim-i-capai-8839-persen
Tatzel, M. (2002). Money worlds and well-being: an integration of money dispositions, materialism and price-related behavior. Journal of Economic Psychology, 103-126.
Van Rooij, M., Lusardi, A., & Alessie, R. (2011). “Financial literacy and retirement planning in The Netherlands”. Journal of Economic Psychology, Vol. 32 No. 4, pp. 593-608.
Achtziger, A., Hubert, M., Kenning, P., & Raab, G. a. (2015). Debt out of control: the links between self-control, compulsive buying, and real debts. Journal of Economic Psychology, 141-149.
Atkinson, A., & Messy, F. (2012). Measuring Financial Literacy: results of the OECD/INFE Pilot study. Paris: Working Paper No. 15, OECD Working Papers on Finance, Insurance, and Private Pensions, OECD Publishing.
Bitner, M., Gwinner, K., Dwayney, & Gremler, D. (1990). Relational benefit in service industries: the customer's perspective. Journal of the Academy of Marketing Science, 324-346.
Carvalho, A., & Alves, J. (2010). As relações entre o consumo das famílias brasileiras, ciclo de vida e gênero. XVII Encontro Nacional De Estudos Populacionais, ABEP.
Chen, H., & Volpe, R. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 107-128.
Davies, E., & Lea, S. E. (1995). Student Attitudes to Student Debt. Journal of Economic Psychology.
detikfinance. (2014, Desember 5). Surabaya Jadi Kota Metropolitan Terbaik se Indonesia, Ini Kunci Sukses Risma. Retrieved from finance.detik.com: https://finance.detik.com/berita-ekonomi-bisnis/d-2769367/surabaya-jadi-kota-metropolitan-terbaik-se-indonesia-ini-kunci-sukses-risma
Development, O. f.-O. (2015). OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion. OECD Publishing.
Dittmar, H. (2004). Understanding and diagnosing compulsive buying. Handbook of Addictive Disorders.
Erdem, C. (2008). Factors affecting the probability of credit card default and the intention of card use in Turkey. Journal of Applied Social Psychology, 1685 - 1711.
Fitch, C. (2007). Debt and mental Health. Journal of continuing professional developmnet,The Role Of Psychiatrist Apt, 194 - 202.
Gardarsdottir, R., & Dittmar, H. (2012). The relationship of materialism to debt and financial wellbeing : the case of Iceland’s perceived prosperity. Journal of Economic Psychology, 471-481.
Gathergood, J. (2011). Self-control, financial literacy and consumer over-indebtness. Social Science Research Network.
Huston, S. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 296-316.
Klapper, L., Lusardi, A., & Panos, G. (2013). “Financial literacy and its consequences: evidence from Russia during the financial crisis”. Journal of Banking & Finance, Vol. 37, pp. 3904-3923.
Lea, S., Webley, P., & Walker, C. (1995). “Psychological factors in consumer debt: money management, economic socialization, and credit use”. Journal of Economic Psychology, Vol. 16 No. 4, pp. 681-701.
Leite, P., Rangé, B., Ribas, R. J., Filomensky, T., & Oliveira e Silva, A. (2011). “Tradução e adaptação semântica da compulsive buying scale Para o português brasileiro”. Jornal Brasileiro De Psiquiatria, Vol. 60 No. 3, pp. 176-181.
Lusardi, A., & Mitchell, O. (2008). Planning and financial literacy ; How do women fare? NBER Working Paper No. 13750.
Lusardi, A., & Tufano, P. (2009). Debt literacy, financial experiences, and overindebtness. NBER Working Paper No. 14808.
Lyons, A. (2004). A profile of financially at-risk college students. The Journal of Consumer Affairs, 56-80.
Mowen, J., & Minor, M. (2002). Consumer behavior. Upper Saddle River : Prentice Hall. Inc.
O’Guinn, T., & Faber, R. (1989). Compulsive buying: a phenomenological exploration. Journal of Consumer Research, 147-157.
O’Neill, B., & Xiao, J. (2012). “Financial behaviors before and after the financial crisis: evidence from an online survey”. Journal of Financial Counseling and Planning, Vol. 23 No. 1, pp. 33-46.
OECD. (2012). OECD/INFE High-Level Principles on National Strategies for Financial Education. Paris: OECD Publishing.
OECD. (2013). Financial Literacy and Inclusion: Results of OECD/INFE Survey across Countries and by Gender. OECD Publishing.
Parrotta, J., & Johnson, P. (1998). The Impact of FInancial Attitudes and Financial Knowledge on Financial Management and Satisfaction of Recently Married Individuals. Association for Financial Counseling and Planning Education.
Pham, T., Yap, K., & Dowling, N. (2012). The impact of financial management practices and financial attitudes on the relationship between materialism and compulsive buying. Journal of Economic Psychology, 461-470.
Ponchio, M. (2006). The influence of materialism on consumption indebtedness in the context of low income consumers from the city of Sao Paulo. Escola de Administração de Empresas de São Paulo da Fundação Getúlio Vargas, 175.
Potrich, A., Vieira, K., & and Kirch, G. (2016). Você é alfabetizado financeiramente? Descubra no termômetro de alfabetização financeira. BASE–Revista De Administração e Contabilidade Da Unisinos, 153-170.
Richins, M. (2004). The material values scale : measurement properties and development of a short form. Journal of Consumer Research, 209-219.
Roberts, J. (1998). Compulsive buying among college students: an investigation of its antecedents, consequences, and implications for public policy. Journal of Consumer Affairs, 295-308.
Shockey, S. (2002). “Low-wealth adults financial literacy. Money management behavior and associates factors, including critical thinking”. Doctorate, University of Utah.
Surya. (2017, November 21). Tahun 2019, Bank Indonesia Targetkan Banked People 75 Persen. Retrieved from SURYA.co.id: http://surabaya.tribunnews.com/2017/11/21/tahun-2019-bank-indonesia-targetkan-banked-poeple-75-persen
Surya. (2018, Januari 3). Realisasi Pendapatan Pajak di Kanwil DJP Jatim I Capai 88,39 Persen. Retrieved from SURYA.co.id: http://surabaya.tribunnews.com/2018/01/03/realisasi-pendapatan-pajak-di-kanwil-djp-jatim-i-capai-8839-persen
Tatzel, M. (2002). Money worlds and well-being: an integration of money dispositions, materialism and price-related behavior. Journal of Economic Psychology, 103-126.
Van Rooij, M., Lusardi, A., & Alessie, R. (2011). “Financial literacy and retirement planning in The Netherlands”. Journal of Economic Psychology, Vol. 32 No. 4, pp. 593-608.
Published
2020-04-30
How to Cite
Wahono, H. K., & Pertiwi, D. (2020). PENGARUH FINANCIAL LITERACY, MATERIALISM, COMPULSIVE BUYING TERHADAP PROPENSITY TO INDEBTEDNESS. International Journal of Financial and Investment Studies (IJFIS), 1(1), 1-14. https://doi.org/10.9744/ijfis.1.1.1-14
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