PREFERENSI GENERASI MILENIAL DALAM FINANCIAL, MONEY ETHICS DAN FINTECH SERTA DAMPAKNYA PADA FINANCIAL MANAGEMENT BEHAVIOR MELALUI FINANCIAL LITERACY (Study Kasus Pada Bumd Air Minum Wilayah Kota Depok)

Abstrak

Abstract: The purpose of this study is to analyze the influence of financial attitude, time preference, money ethic, and financial technology (fintech) on financial literacy, as well as the influence of financial literacy on financial management behavior among millennial generation employees at PT. Tirta Asasta Depok. The method used is path analysis using the data processing tool Smart PLS 4. The sample consists of 208 millennial employees at PT. Tirta Asasta Depok.The results of the study indicate that all research variables have a significant impact on the financial management behavior of millennial employees at PT. Tirta Asasta Depok. Based on the findings, it can be concluded that the financial preferences and fintech adoption of millennial employees at PT. Tirta Asasta Depok are categorized as good, but still require training and improvement in financial literacy.

Keywords: Financial Attitude, Financial Literacy, Financial Technology, Financial Management Behavior, Money Ethic, Time Preference

Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh sikap keuangan (financial attitude), preferensi waktu (time preference), etika uang (money ethic), dan teknologi keuangan (fintech) terhadap literasi keuangan (financial literacy), serta pengaruh literasi keuangan terhadap perilaku pengelolaan keuangan (financial management behavior) generasi milenial di PT. Tirta Asasta Depok. Metode yang digunakan adalah analisis jalur (path analysis) dengan menggunakan alat pengolahan data Smart PLS 4. Sampel yang digunakan sebanyak 208 orang generasi milenial di PT. Tirta Asasta Depok.Hasil penelitian menunjukkan bahwa semua variable penelitian adalah signifikan terhadap perilaku pengelolaan keuangan (financial management behavior) generasi milenial di PT. Tirta Asasta Depok. Berdasarkan hasil penelitian, dapat disimpulkan bahwa preferensi generasi milenial terhadap keuangan dan fintech di PT. Tirta Asasta Depok termasuk dalam kategori baik, namun tetap memerlukan pelatihan dan peningkatan literasi keuangan.

Kata Kunci: Financial Attitude; Financial Literacy; Financial Technology; Financial Management Behavior; Money Ethic ; Time Preference