INFLUENCE OF SELF-CONTROL, FINANCIAL KNOWLEDGE, FINANCIAL BEHAVIOR, FINANCIAL ATTITUDES, LIFESTYLE, AND MONEY ATTITUDES ON THE DEBT MANAGEMENT BEHAVIOR OF GEN Z SPAYLATER USERS IN INDONESIA
Keywords:
financial attitude, financial behavior, financial knowledge, lifestyle, money attitudeAbstract
The purpose of this study was to determine the influence of self-control, financial literacy, lifestyle, and money attitudes on debt management behavior. This type of research is quantitative, using a questionnaire as a research instrument distributed to 226 respondents Gen Z Spaylater users in Indonesia. The data analysis method used is descriptive statistical analysis which is used to describe the sampel data profile, and used Multiple Linear Regression Analysis and to determine the direction and magnitude of the influence of the independent variable on the dependent variable. The result found that; 1) Self-control has a partially positive and significant effect on the debt management behavior of Gen Z Spaylater users in Indonesia, 2) financial knowledge has a partially positive and significant effect on the debt management behavior of Gen Z Spaylater users in Indonesia, 3) financial behavior has a partially positive and significant effect on the debt management behavior of Gen Z Spaylater users in Indonesia, 4) financial attitude has not effect on the debt management behavior of Gen Z Spaylater users in Indonesia, 5) Lifestyle has a partially positive and significant effect on the debt management behavior of Gen Z Spaylater users in Indonesia, 5) Money attitudes has a partially positive and significant effect on the debt management behavior of Gen Z Spaylater users in indonesia. The study provides recommendation for improving the management of debt among Gen Z who use Spaylater through good self-control by saving, financial planning, and reducing impulsive purchases. Improving financial knowledge and financial behavior needs tobe done by attending classes or seminars related to finance. In addition, to improve financial attitudes with regard to long-term financial security and need to adjust their lifestyle to their financial condition.
Keyword : Financial Attitude, Financial Behavior, Financial Knowledge, Lifestyle, Money Attitudes.
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