Analisis Pengaruh Dimensi Financial Management Behavior terhadap Financial Well-Being pada Kelompok Dewasa Muda Perkotaan di Indonesia

Indra Putri Septiana, Stephanie (2026) Analisis Pengaruh Dimensi Financial Management Behavior terhadap Financial Well-Being pada Kelompok Dewasa Muda Perkotaan di Indonesia. Other thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Tingkat literasi dan inklusi keuangan masyarakat Indonesia terus mengalami peningkatan, namun peningkatan tersebut belum sepenuhnya diikuti oleh perbaikan perilaku keuangan yang efektif, khususnya pada kelompok dewasa muda perkotaan yang menghadapi kompleksitas dalam pengelolaan keuangan sehari-hari. Dalam konteks tersebut, financial management behavior yang terdiri atas savings and investment behavior, cash management, credit management, dan insurance behavior dipandang sebagai faktor yang berpotensi memengaruhi financial well-being. Oleh karena itu, penelitian ini bertujuan menganalisis pengaruh masing-masing dimensi financial management behavior terhadap financial well-being pada dewasa muda perkotaan di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan desain cross-sectional. Data dikumpulkan melalui penyebaran kuesioner secara daring kepada 150 responden berusia 20-35 tahun, berdomisili di wilayah perkotaan di Indonesia, dan memiliki atau sedang memperoleh penghasilan. Analisis data dilakukan menggunakan regresi linear berganda (Multiple Linear Regression) untuk menguji pengaruh dari setiap dimensi financial management behavior terhadap financial well-being yang diukur secara subjektif (persepsi individu terhadap kondisi keuangannya). Hasil penelitian menunjukkan bahwa di antara keempat dimensi financial management behavior, savings and investment behavior merupakan prediktor yang paling kuat dan berpengaruh positif signifikan terhadap financial well-being, diikuti oleh credit management. Sebaliknya, cash management dan insurance behavior tidak menunjukkan pengaruh yang signifikan. Temuan ini mengindikasikan bahwa perilaku keuangan yang berorientasi pada pembentukan aset jangka panjang dan pengelolaan kewajiban finansial memiliki peran yang lebih penting dalam meningkatkan financial well-being dibandingkan pengelolaan arus kas harian maupun kepemilikan produk asuransi pada kelompok dewasa muda di Indonesia.
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Financial literacy and inclusion in Indonesia continue to increase, yet this progress has not been fully matched by improvements in effective financial behavior, particularly among urban young adults who face growing complexity in managing their day-to-day finances. Within this context, financial management behavior, comprising savings and investment behavior, cash management, credit management, and insurance behavior, is viewed as a factor with the potential to influence financial well-being. Therefore, this study aims to analyze the effect of each dimension of financial management behavior on financial well-being among urban young adults in Indonesia. This study employs a quantitative approach with a cross-sectional design. Data were collected through an online questionnaire distributed to 150 respondents aged 20-35 years, residing in urban areas of Indonesia, and currently earning or in the process of earning an income. Data analysis was conducted using Multiple Linear Regression to examine the effect of each dimension of financial management behavior on financial well-being. The results indicate that among the four dimensions of financial management behavior, savings and investment behavior is the strongest predictor and has a significant positive effect on financial well-being, followed by credit management. In contrast, cash management and insurance behavior show no significant effect. These findings suggest that financial behaviors oriented toward long-term asset accumulation and financial obligation management play a more important role in enhancing financial well-being than daily cash flow management or insurance product ownership among urban young adults in Indonesia.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Kesejahteraan Finansial, Pengelolaan Kas, Pengelolaan Kredit, Perilaku Asuransi, Perilaku Pengelolaan Keuangan, Cash Management, Credit Management, Financial Management Behavior, Financial Well-Being, Insurance Behavior
Subjects:	H Social Sciences > HG Finance > HG3751 Credit--Management.
Divisions:	Faculty of Creative Design and Digital Business (CREABIZ) > Business Management > 61205-(S1) Undergraduate Thesis
Depositing User:	Stephanie Indra Putri Septiana
Date Deposited:	03 Aug 2026 04:18
Last Modified:	03 Aug 2026 04:18
URI:	http://repository.its.ac.id/id/eprint/142156

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