@mastersthesis{eprintuntirta47963,
            note = {Penelitian ini bertujuan untuk menguji pengaruh financial literasy dan financial
behavior terhadap perilaku konsumtif generasi milenial dengan income sebagai
variabel moderating. Penelitian ini menggunakan pendekatan kuantitatif dan
deskriptif. Objek penelitian ini adalah Universitas Bina Bangsa Banten,
menggunakan sampel sebanyak 100 responden. Jawaban kuesioner diukur dengan
skala interval 1-10. Data dianalisis menggunakan bantuan softrware Smart PLS
versi 3.0. Hasil dari penelitian ini menyatakan bahwa: 1) Financial literasy
berpengaruh signifikan terhadap perilaku konsumtif generasi milenial. 2)
Financial behavior berpengaruh positif dan signifikan terhadap perilaku
konsumtif, 3) Income dapat memediasi hubungan financial literasy terhadap
perilaku konsumtif milenial namun tidak signifikan. 4) income mampu memediasi
hubungan financial behavior terhadap perilaku konsumtif milenial walaupun tidak
signifikan.},
          school = {UNIVERSITAS SULTAN AGENG TIRTAYASA},
           title = {PENGARUH FINANCIAL LITERASY DAN FINANCIAL
BEHAVIOR
TERHADAP PERILAKU KONSUMTIF GENERASI
MILENIAL DENGAN INCOME SEBAGAI VARIABEL
MODERATING
(Studi Pada Mahasiswa Universitas Bina Bangsa Banten)},
          author = {SUARYO SUARYO},
            year = {2025},
             url = {https://eprints.untirta.ac.id/47963/},
        abstract = {This study aims to examine the effect of financial literacy and financial behavior
on the consumptive behavior of the millennial generation with income as a
moderating variable. This study uses a quantitative and descriptive approach. The
object of this research is Bina Bangsa University Banten, using a sample of 100
respondents. Questionnaire answers were measured with an interval scale of 1-
10. The data were analyzed using the help of Smart PLS software version 3.0. The
results of this study state that: 1) Financial literacy has a significant effect on the
consumptive behavior of the millennial generation. 2) Financial behavior has a
positive and significant effect on consumptive behavior, 3) Income can mediate
the relationship of financial literacy to millennial consumptive behavior but is not
significant. 4) income is able to mediate the relationship between financial
behavior and millennial consumptive behavior, although it is not significant.},
        keywords = {Financial Literacy, Financial behavior, income, Millennial Generation
Consumptive Behavior.
Financial Literasy, Financial behavior, income, Perilaku Konsumtif
Generasi Milenial}
}