Pengaruh Financial Experience, Financial Socialization dan Self Control Terhadap Financial Management Behavior Penggemar K-Pop
DOI:
https://doi.org/10.56456/jebdeker.v5i2.826Keywords:
Financial Management Behavior, Financial Experience, Financial Socialization, Self Control, Penggemar K-PopAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh Financial Experience, Financial Socialization, dan Self Control terhadap Financial Management Behavior penggemar K-pop. Pengumpulan data primer dilakukan dengan menyebarkan kuesioner bentuk Google Forms kepada 296 responden, dengan kriteria pernah membeli merchandise atau menonton konser K-pop. Penyebaran kuesioner dilakukan melalui aplikasi LINE, Instagram dan X. Data yang terkumpul diolah menggunakan Partial Least Square - Structural Equation Modelling (PLS-SEM). Hasil penelitian menunjukkan bahwa Financial Experience (koefisien jalur: 0,385; p < 0,001), Financial Socialization (koefisien jalur: 0,328; p < 0,001), dan Self Control (koefisien jalur: 0,217; p < 0,05) memiliki pengaruh signifikan terhadap Financial Management Behavior . Model penelitian ini mampu menjelaskan 51,8% variansi pada Financial Management Behavior (R² = 0,518). Penelitian ini mengisi research gap dengan menggunakan kelompok responden K-Pop yang belum terlalu banyak diteliti, untuk memahami pengaruh aktivitas budaya terhadap perilaku pengelolaan keuangan. Diharapkan penelitian ini dapat menjadi rujukan bagi penelitian berikutnya, terutama dengan menunjukkan integrasi keempat variabel ini ke dalam Theory of Planned Behavior, serta memberikan kontribusi praktis untuk peningkatan edukasi dan kebijakan keuangan, khususnya bagi kelompok masyarakat dengan karakteristik budaya tertentu.
References
Ajzen, I. (2020). The theory of planned behavior:Frequently asked question. Human Behavior and Emerging Technologies, 2(4), 314-324. https://doi.org/10.1002.hbe2.195
Alifah. (2022, September 22). Indonesia Jadi Negara dengan fans K-pop Terbanyak Di Dunia. GoodStats. https://goodstats.id/article/indonesia-masuk-peringkat-pertama-dengan- fans-k-pop-terbanyak-di-dunia-6w71d
Ameliawati, M., & Setiyani, R. (2018). The influence of financial attitude, financial socialization, and financial experience to financial management behavior with financial literacy as the mediation variable. KnE Social Science, 3(10), 811-832. https://doi.org/10.18502/kss.v3i10.3174
Annur, C. M. (2023, March 10). TSurvey.id: Mayoritas fans Korea mau Beli Produk Yang Dipromosikan idola. Pusat Data Ekonomi dan Bisnis Indonesia | Databoks. https://databoks.katadata.co.id/produk-konsumen/statistik/c0cd8b04d5683de/tsurveyid-mayoritas-fans-korea-mau-beli-produk-yang-dipromosikan-idola
Ansar, R., Chekima, B., Lada, S., Lim, M. F., & Bouteraa, M. (2023). Determinants of personal financial management practices among Malaysian youth. Asian Economic and Financial Review, 13(12), 996-1007. https://doi.org/10.55493/5002.v13i12.4931
Attan, M. B., & Natsir, K. (2023). Studi tentang faktor-faktor Yang mempengaruhi consumptive behavior pada kolektor merchandise K-pop. Jurnal Muara Ilmu Ekonomi dan Bisnis, 7(1), 187-201. https://doi.org/10.24912/jmieb.v7i1.22937
Brilianti, T. R., & Lutfi, L. (2020). Pengaruh pendapatan, pengalaman keuangan dan pengetahuan keuangan terhadap perilaku keuangan keluarga di Kota Madiun. Journal of Business and Banking, 9(2), 197-213. doi:10.14414/jbb.v9i2.1762
Dewanti, V. P., & Asandimitra, N. (2021). Pengaruh financial socialization, financial knowledge, financial experience terhadap financial management behavior dengan locus of control sebagai Variabel Mediasi pada Pengguna Paylater. Jurnal Ilmu Manajemen, 9(3), 863- 875. https://doi.org/10.26740/jim.v9n3.p863-875
Dew, J. P., & Xiao, J. J. (2011). The Financial Management Behavior Scale: Development and Validation,22(1), 19-35. http://hdl.lib.byu.edu/1877/7328
Fan, L., & Park, N. (2021). Factors mediating the association between financial socialization and well-being of young adults: Testing a conceptual framework. Journal of Financial Counseling and Planning, JFCP-20-00056. https://doi.org/10.1891/jfcp-20-00056
GoodStats. (2024, July 11). Fenomena Musik Korea: Indonesia Tempati Posisi Ke-3 Pasar K-pop Dunia. https://goodstats.id/article/fenomena-musik-korea-indonesia-tempati-posisi-ke-3-dalam-pasar-k-pop-dunia-gcIpb#google_vignette
Goyal, K., Kumar, S., & Xiao, J. J. (2021). Antecedents and consequences of personal financial management behavior: A systematic literature review and future research agenda. International Journal of Bank Marketing, 39(7), 1166-1207. doi:10.1108/ijbm-12-2020- 0612
Goyal, K., Kumar, S., & Hoffmann, A. (2023). The direct and indirect effects of financial socialization and psychological characteristics on young professionals' personal financial management behavior. International Journal of Bank Marketing, 41(7), 1550-1584. https://doi.org/10.1108/ijbm-09-2022-0419
Hariani, A. (2023, January 17). Indonesia Salah Satu Negara Tujuan Ekspor album K-pop Terbanyak. Pajak.com. https://www.pajak.com/ekonomi/indonesia-salah-satu-negara-tujuan-ekspor-album-k-pop-terbanyak/
Hikmah, M., Worokinasih, S., & Damayanti, C. R. (2020). Financial Management Behavior: Hubungan Antara Self-Efficacy, Self-Control, dan Compulsive Buying.
Hogarth, Jeanne M. and Hilgert, Marianne A. “Financial Knowledge, Experience, and Learning Preferences: Preliminary Results from a New Survey on Financial Literacy.” Paper published in the Consumer Interest Annual, Proceedings of the American Council on Consumer Interests 2002 Annual Conference, March, 2002. Available online at http://www.consumerinterests.org/public/articles/publicarticlesFinancialLiteracy-02.pdf
Jazuli, A., & Setiyani, R. (2021). Anteseden Financial Management Behavior: Financial Literacy Sebagai Intervening. Economic Education Analysis Journal, 10(1), 163-176. https://doi.org/10.15294/eeaj.v10i1.45682
Katadata Insight Center. (2022). Potret Aktivitas dan Belanja Penggemar Hiburan Korea di Indonesia. PT Katadata Indonesia. https://cdn1.katadata.co.id/template/template_kic/files/KIC_Laporan%20Survei%20Aktivitas%20Pecinta%20Hiburan%20Korea%20Selatan.pdf
Khoirunnisaa, J., & Johan, I. R. (2020). The effects of financial literacy and self-control towards financial behavior among high school students in Bogor. Journal of Consumer Sciences, 5(2), 73-86.https://doi.org/10.29244/jcs.5.2.73-86
Purwidianti, W., & Tubastuvi, N. (2019). The effect of financial literacy and financial experience on SME financial behavior in Indonesia. Jurnal Dinamika Manajemen, 10(1), 40-45. doi:10.15294/jdm.v10i1.16937
Safitri, A., & Kartawinata, B. (2020). Pengaruh Financial Socialization dan Financial Experience Terhadap Financial Management Behavior. Jurnal Ilmu Keuangan Dan Perbankan (JIKA), 9(2), 157-170. https://doi.org/10.34010/jika.v9i2.2987
Sahara, Y., Fuad, M., & Setianingsih, D. (2022). The Role of Financial Attitude, Financial Experience, Financial Knowledge and Personality on Student’s Personal Financial Management Behavior. SOROT, 17(3), 167. https://doi.org/10.31258/sorot.17.3.167-176
Sari, H. P., & Prtama, A. M. (2023, September 11). Banyak Anak Muda Gunakan Pinjol demi Beli “Photocard” Idola K-pop. KOMPAS.Com https://money.kompas.com/read/2023/09/11/212000626/indef--banyak-anak-muda-gunakan-pinjol-demi-beli-photocard-idol-k-pop#google_vig
Sampoerno, A. E., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Income, Hedonism Lifestyle, Self-Control, dan Risk Tolerance Terhadap Financial Management Behavior Pada Generasi Milenial Kota Surabaya. Jurnal Ilmu Manajemen, 9(3), 1002-1014. https://doi.org/10.26740/jim.v9n3.p1002-1014
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14(June), 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
Sohn, S., Joo, S., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35(4), 969-980. doi:10.1016/j.adolescence.2012.02.002
Syahrial, S. M., & Azib. (2022). Pengaruh Literasi Keuangan, Pengendalian Diri, Dan Perilaku Konsumtif terhadap Perilaku Pengelolaan Keuangan pada Penggemar K–pop. Bandung Conference Series: Business and Management, 2(2). https://doi.org/10.29313/bcsbm.v2i2.3578
Tangney, J.P., Baumeister, R.F., & Boone, A.L. 2004. “High Self-Control Predicts Good Adjustment, Less Pathology, Better Grades, and Interpersonal Success”. Journal of Personality, 72(2) : 271-322. Doi: oi.org/10.1111/j.0022-3506.2004.00263.
Thung, Chai Ming, et all. 2012. “Determinants Of Saving Behaviour Among The University Students In Malaysia”. A research project submitted in partial fulfillment of the requirement for the degree
Wang, Y., Pan, J., Xu, Y., Luo, J., & Wu, Y. (2022). The determinants of impulsive buying behavior in electronic commerce. Sustainability, 14(12), 7500. https://doi.org/10.3390/su14127500
Yanti, M. M., Husna, A. N., & Qomariyah, L. (2023). The effect of self-control on impulsive buying of in-game virtual goods among mobile legends bang bang players. Advances in Social Science, Education and Humanities Research, 764-771. https://doi.org/10.2991/978-2-38476-118-0_88
Yoon, K. (2018). Transnational fandom in the making: K-pop fans in Vancouver. International Communication Gazette, 81(2), 176-192. https://doi.org/10.1177/1748048518802964
Zhang, Y., Chen, L., Chen, J., Mi, X., & Zhu, S. (2022). Redefining womanhood in Generation Z: An analysis of gender representation and awareness in K-pop culture. Proceedings of the 2022 5th International Conference on Humanities Education and Social Sciences (ICHESS 2022), 2868-2877. https://doi.org/10.2991/978-2-494069-89-3_329
