PENGARUH FAMILY FINANCIAL SOCIALIZATION, INCOME, SELF-CONTROL, DAN FINANCIAL ATTITUDE TERHADAP SAVING BEHAVIOR GENERASI SANDWICH DI KOTA SURABAYA

THE INFLUENCE OF FAMILY FINANCIAL SOCIALIZATION, INCOME, SELF-CONTROL, AND FINANCIAL ATTITUDE ON SAVING BEHAVIOR OF THE SANDWICH GENERATION IN SURABAYA

Penelitian ini mengkaji tentang pengaruh Family Financial Socialization, Income, Self-control, dan Financial Attitude terhadap Saving Behavior Generasi Sandwich di Kota Surabaya. Teknik pengumpulan data, dilakukan menggunakan purposive sampling dengan total 200 responden. Penyebaran kuisioner dilakukan secara online dan offline untuk meminimalisir misinterpretasi dari responden. Penelitian ini bersifat konklusif kasualitas dengan menggunakan teknik analisis Structural Equation Modeling (SEM) pada software AMOS versi 24. Hasil penelitian menunjukkan bahwa variabel Family Financial Socialization, Income, Self-control, dan Financial Attitude berpengaruh positif terhadap Saving Behavior Generasi Sandwich di Kota Surabaya. Hal ini karena, sosialisasi keuangan yang baik dari orang tua dapat membentuk sikap dan perilaku keuangan yang positif, termasuk perilaku menabung. Selain itu, semakin tinggi tingkat penghasilan seseorang, maka semakin tinggi pula tingkat konsumsi dan tabungannya, karena minimnya hambatan dibandingkan dengan orang berpenghasilan rendah. Seseorang dengan kontrol diri yang baik akan mampu menghindari perilaku konsumtif, menunda keinginan, menentukan skala prioritas dan berfokus pada tujuan keuangan jangka panjang. Financial Attitude berpengaruh positif terhadap saving behavior karena sikap keuangan yang baik mencerminkan kemampuan mengelola risiko dan perencanaan keuangan yang matang.

This study examines the influence of Family Financial Socialization, Income, Self-control, and Financial Attitude on Saving Behavior of the Sandwich Generation in Surabaya. The data collection technique was carried out using purposive sampling with a total of 200 respondents. Questionnaires were distributed online and offline to minimize misinterpretation from respondents. The results showed that the variables of Family Financial Socialization, Income, Self-control, and Financial Attitude had a positive effect on Saving Behavior of the Sandwich Generation in Surabaya. This is because, good financial socialization from parents can shape positive financial attitudes and behaviors, including saving behavior. In addition, the higher a person's income level, the higher the level of consumption and savings, due to the lack of barriers compared to low-income people. A person with good self-control will be able to avoid consumptive behavior, delay desires, determine a priority scale and focus on long-term financial goals. Financial Attitude has a positive effect on saving behavior because good financial attitudes reflect the ability to manage risk and mature financial planning.