PENGARUH PERENCANAAN KEUANGAN ISLAM DALAM KESIAPAN FINANSIAL GENERASI Z SEBELUM MENIKAH DI KOTA BANDUNG

Fadilah Dewi Fitriani, - and Juliana, - and Dea Aryandhana Mulyana Haris, - (2025) PENGARUH PERENCANAAN KEUANGAN ISLAM DALAM KESIAPAN FINANSIAL GENERASI Z SEBELUM MENIKAH DI KOTA BANDUNG. S1 thesis, Universitas Pendidikan Indonesia.

Abstract

Kurangnya kesadaran masyarakat Indonesia dalam menabung yang membuat sulitnya untuk melakukan perencanaan keuangan. Terlebih bahwa masih banyak yang menganggap bahwa melakukan pencatatan anggaran secara rutin setiap bulan itu tidak penting. Faktanya, bahwa kasus perceraian didominasi karena faktor ekonomi. Hal ini mengindikasikan bahwa kurangnya kesiapan finansial yang dilakukan sebelum menikah. Maka dari itu, Generasi Z yang akan memasuki tahap fase menikah memerlukan perencanaan keuangan dan menetapkan tujuan keuangan sesuai dengan aspek ekonomi Islam. Penelitian ini bertujuan mengetahui pengaruh tingkat literasi keuangan syariah, financial attitude, financial self-efficacy, lingkungan sosial dan tingkat perencanaan keuangan Islam pada Generasi Z di Kota Bandung. Penelitian ini menguji theory of planned behavior dengan variabel literasi keuangan syariah, financial attitude, financial self-efficacy dan lingkungan sosial sebagai variabel moderasi. Metode penelitian yang digunakan adalah kuantitatif dengan desain deskriptif kausalitas. Jumlah sampel dalam penelitian ini berjumlah 249 responden yang dikumpulkan melalui kuesioner dan disebar menggunakan google form. Teknik analisis pengumpulan data menggunakan Partial Least Square – Structural Equation Modeling (PLS-SEM). Hasil penelitian berdasarkan analisis deskriptif menunjukkan bahwa variabel literasi keuangan syariah berada pada kategori tinggi, financial attitude berada pada kategori sangat tinggi, financial self-efficacy berada pada kategori sangat tinggi, lingkungan sosial berada pada kategori tinggi dan perencanaan keuangan Islam berada pada kategori sangat tinggi. Hasil penelitian berdasarkan analisis kausalitas menunjukkan bahwa variabel literasi keuangan syariah, financial attitude dan financial self-efficacy berpengaruh secara positif dan signifikan terhadap perencanaan keuangan Islam. Kemudian, variabel lingkungan sosial dapat memoderasi pengaruh literasi keuangan syariah, financial attitude dan financial self-efficacy terhadap perencanaan keuangan Islam. The lack of awareness of the Indonesian people in saving makes it difficult to do financial planning. Moreover, there are still many who think that recording the budget regularly every month is not important. In fact, divorce cases are dominated by economic factors. This indicates that the lack of financial readiness is done before marriage. Therefore, Generation Z who will enter the marriage phase requires financial planning and setting financial goals in accordance with Islamic economic aspects. This study aims to determine the influence of the level of Islamic financial literacy, financial attitude, financial self-efficacy, social environment and level of Islamic financial planning on Generation Z in the city of Bandung. This study examines the theory of planned behavior with the variables of Islamic financial literacy, financial attitude, financial self-efficacy and social environment as the moderation variables. The research method used is quantitative with a descriptive design of causality. The number of samples in this study amounted to 249 respondents who were collected through questionnaires and distributed using google forms. The data collection analysis technique used Partial Least Square – Structural Equation Modeling (PLS-SEM). The results of the study based on descriptive analysis showed that the variables of Islamic financial literacy were in the high category, financial attitude was in the very high category, financial self-efficacy was in the very high category, the social environment was in the high category and Islamic financial planning was in the very high category. The results of the study based on causality analysis show that the variables of Islamic financial literacy, financial attitude and financial self-efficacy have a positive and significant effect on Islamic financial planning. Then, social environment variables can moderate the influence of Islamic financial literacy, financial attitude, and financial self-efficacy on Islamic financial planning.

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Item Type:	Thesis (S1)
Additional Information:	https://scholar.google.com/citations?hl=en&user=_ab5eGoAAAAJ&view_op=list_works&gmla=AH8HC4zqPFIQpqQ8BzPdfyfMCBQmuKVgBG434Mkvh5NnMT4A1_qqIGUvWAnMtHgFeLydsIT99SB-FZgTT1l5gkXcCUnynJSIf58cJhtxU8S6iij0-9hUDfCP_Qtl-ubfRHfdWg SINTA ID Dosen pembimbing JULIANA: 6649754 Dea Aryandhana Mulyana Haris: 6898108
Uncontrolled Keywords:	Financial Attitude, Financial Self-Efficacy, Lingkungan Sosial, Literasi Keuangan Syariah, Perencanaan Keuangan Islam. Financial Attitude, Financial Self-Efficacy, Islamic Financial Literacy, Islamic Financial Planning, Social Environment.
Subjects:	H Social Sciences > HG Finance H Social Sciences > HN Social history and conditions. Social problems. Social reform
Divisions:	Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam
Depositing User:	Fadilah Dewi Fitriani
Date Deposited:	19 Aug 2025 08:37
Last Modified:	19 Aug 2025 08:37
URI:	http://repository.upi.edu/id/eprint/135513

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