Menelusuri Akar Finansial Generasi Muda: Peran Financial Parenting, Childhood Financial Socialization, Childhood Financial Experience, dan Materialism terhadap Financial Well-Being

Authors

  • Kinton Bertram Kestrel Universitas Surabaya, Surabaya, Indonesia
  • Putu Anom Mahadwartha Universitas Surabaya, Surabaya, Indonesia
  • Werner Ria Murhadi Universitas Surabaya, Surabaya, Indonesia

DOI:

https://doi.org/10.38035/jmpis.v7i1.6832

Keywords:

Financial Parenting, Childhood Financial Experience, Financial Self-Efficacy, Materialism, Financial Well-Being

Abstract

Penelitian ini bertujuan untuk menganalisis peran financial parenting, childhood financial socialization, childhood financial experiences, dan materialism terhadap financial well-being dengan mediasi financial self-efficacy dan financial coping behavior pada kalangan dewasa muda. Fenomena rendahnya kesejahteraan keuangan generasi muda menjadi isu penting dalam konteks ekonomi modern, khususnya di tengah peningkatan perilaku konsumtif dan rendahnya literasi keuangan di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei dan penyebaran kuesioner kepada responden berusia di atas 17 tahun. Analisis data dilakukan menggunakan Structural Equation Modeling (SEM) untuk melihat pengaruh langsung maupun tidak langsung antar variabel. Hasil penelitian diharapkan dapat memberikan kontribusi empiris terhadap pengembangan teori consumer socialization dan social cognitive theory, serta memberikan masukan praktis bagi orang tua dan lembaga pendidikan dalam membentuk perilaku keuangan yang sehat pada generasi muda.

References

Ajzen, I., & Driver, B. L. (1991). Prediction of leisure participation from behavioral, normative, and control beliefs: An application of the theory of planned behavior. Leisure Sciences, 13(3), 185–204. https://doi.org/10.1080/01490409109513137

Algarni, M., Ali, M., & Ali, I. (2024). The role of financial parenting, childhood financial socialization and childhood financial experiences in developing financial well-being among adolescents in their later life. 33. https://doi.org/10.1108/JEAS-07-2023-0194

Bandura, A. (1977). Self-efficacy: Toward a Unifying Theory of Behavioral Change. 84(2). https://doi.org/10.1037//0033-295x.84.2.191

Danes, S. M., & Yang, Y. (2014). Assessment of the Use of Theories within the Journal of Financial Counseling and Planning and the Contribution of the Family Financial Socialization Conceptual Model. 25(1).

Farrell, L., Fry, T. R. L., & Risse, L. (2016). The significance of financial self-efficacy in explaining women’s personal finance behaviour. Journal of Economic Psychology, 54, 85–99. https://doi.org/10.1016/j.joep.2015.07.001

Folkman, S., & Lazarus, R. (1980). An Analysis of Coping in a Middle-Aged Community Sample (3rd ed., Vol. 21). https://doi.org/10.2307/2136617

Gudmunson, C. G., & Danes, S. M. (2011). Family Financial Socialization: Theory and Critical Review. Journal of Family and Economic Issues, 32(4), 644–667. https://doi.org/10.1007/s10834-011-9275-y

LeBaron, A. B., & Kelly, H. H. (2021). Financial socialization: a decade in review. https://doi.org/10.1007/s10834-020-09736-2

Lim, H., Heckman, S. J., Letkiewicz, J. C., & Montalto, C. P. (2014). Financial Stress, Self-Efficacy, and Financial Help-Seeking Behavior of College Students. In Journal of Financial Counseling and Planning (Vol. 25, Issue 2). http://ssrn.com/abstract=2537579

Lown, M. L. (2011). Development and Validation of a Financial Self-Efficacy Scale.

Mathew, V., Kumar, S., & Sanjeev. (2022). Financial Well-being and Its Psychological Determinants An Emerging Country Perspective. 14. https://doi.org/10.1177/23197145221121080

Moschis, G. P. (1987). The Role of Family Communication in Consumer Socialization of Children and Adolescents. http://jcr.oxfordjournals.org/

Netemeyer, R., Warmath, D., Fernandes, D., & Lynch, J. (2017). How Am I Doing? Perceived Financial Well-Being, Its Potential Antecedents, and Its Relation to Overall Well-Being. https://ssrn.com/abstract=3485990

Nielsen, R. B. (2010). Assessing financial wellness via computer-assisted telephone interviews. Journal of Financial Counseling and Planning, 21(2), 16–29.

Otoritas Jasa Keuangan. (2024). Siaran Pers Bersama: OJK dan BPS Umumkan Hasil Survei Nasional Literasi dan Inklusi Keuangan Tahun 2024. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/OJK-dan-BPS-Umumkan-Hasil-Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2024.aspx

Richins, M. L. (2004). The Material Values Scale: Measurement Properties and Development of a Short Form. JOURNAL OF CONSUMER RESEARCH, Inc. •, 31.

Richins, M. L., & Dawson, S. (1992). A Consumer Values Orientation for Materialism and Its Measurement: Scale Development and Validation. Journal of Consumer Research, 19(3), 303. https://doi.org/10.1086/209304

Serido, J., Shim, S., Mishra, A., & Tang, C. (2010). Financial parenting, financial coping behaviors, and well-being of emerging adults. Family Relations, 59(4), 453–464. https://doi.org/10.1111/j.1741-3729.2010.00615.x

Shi, J., Ullah, S., Zhu, X., Dou, S., & Siddiqui, F. (2021). Pathways to Financial Success: An Empirical Examination of Perceived Financial Well-Being Based on Financial Coping Behaviors. 15. https://doi.org/10.3389/fpsyg.2021.762772

Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education. Journal of Youth and Adolescence, 39(12), 1457–1470. https://doi.org/10.1007/s10964-009-9432-x

Strategi Nasional keuangan Inklusif. (2023). Youth Finsights 2.0: Gaining Deeper Insights on Youth Financial Inclusion in Indonesia. https://snki.go.id/youth-finsights-2-0-gaining-deeper-insights-on-youth-financial-inclusion-in-indonesia/

White, K., Watkins, K., McCoy, M., Muruthi, B., & Byram, J. L. (2021). How Financial Socialization Messages Relate to Financial Management, Optimism and Stress: Variations by Race. Journal of Family and Economic Issues, 42(2), 237–250. https://doi.org/10.1007/s10834-020-09704-w

Zimmer-Gembeck, M. J., & Mortimer, J. T. (2006). Selection Processes and Vocational Development: A Multi-Method Approach. In Advances in Life Course Research (Vol. 11, pp. 121–148). Elsevier BV. https://doi.org/10.1016/S1040-2608(06)11005-9

Downloads

Published

2025-12-26

How to Cite

Kestrel, K. B., Mahadwartha, P. A., & Murhadi, W. R. (2025). Menelusuri Akar Finansial Generasi Muda: Peran Financial Parenting, Childhood Financial Socialization, Childhood Financial Experience, dan Materialism terhadap Financial Well-Being. Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 7(1), 536–548. https://doi.org/10.38035/jmpis.v7i1.6832

Issue

Vol. 7 No. 1 (2025): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Desember 2025 - Januari 2026)

Section

Articles

License

Copyright (c) 2025 Kinton Bertram Kestrel, Putu Anom Mahadwartha, Werner Ria Murhadi

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Hak cipta :

Penulis yang mempublikasikan manuskripnya di jurnal ini menyetujui ketentuan berikut:

  1. Hak cipta pada setiap artikel adalah milik penulis.
  2. Penulis mengakui bahwa Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) berhak menjadi yang pertama menerbitkan dengan lisensi Creative Commons Attribution 4.0 International (Attribution 4.0 International CC BY 4.0) .
  3. Penulis dapat mengirimkan artikel secara terpisah, mengatur distribusi non-eksklusif manuskrip yang telah diterbitkan dalam jurnal ini ke versi lain (misalnya, dikirim ke repositori institusi penulis, publikasi ke dalam buku, dll.), dengan mengakui bahwa manuskrip telah diterbitkan pertama kali di Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS).