Research Article
The Effect Of Financial Literacy, Mental Accounting And Income Level On Consumption Behavior With Gender As A Moderating Variable (Study On Millennial Generation In Banyumas Regency)
@INPROCEEDINGS{10.4108/eai.10-8-2022.2320916, author={Windi Wijayanti and Suryo Budi Santoso}, title={The Effect Of Financial Literacy, Mental Accounting And Income Level On Consumption Behavior With Gender As A Moderating Variable (Study On Millennial Generation In Banyumas Regency)}, proceedings={Proceedings of the 3rd International Conference of Business, Accounting, and Economics, ICBAE 2022, 10-11 August 2022, Purwokerto, Central Java, Indonesia}, publisher={EAI}, proceedings_a={ICBAE}, year={2022}, month={8}, keywords={financial literacy mental accounting consumptive behavior}, doi={10.4108/eai.10-8-2022.2320916} }- Windi Wijayanti
Suryo Budi Santoso
Year: 2022
The Effect Of Financial Literacy, Mental Accounting And Income Level On Consumption Behavior With Gender As A Moderating Variable (Study On Millennial Generation In Banyumas Regency)
ICBAE
EAI
DOI: 10.4108/eai.10-8-2022.2320916
Abstract
The purpose of this research is to examine and obtain empirical evidence whether financial literacy, mental accounting and income levels have an effect on consumptive behavior and whether gender is also able to moderate these effects. The research is a field research. this research is quantitative descriptive research. Population are students, employees and entrepreneurs who earn.The number of sample was taken using the covinience sampling method where the sampling used Slovin formula , so that sample of 159 millenial generation was obtained. The data collection method used is the questionnaire that was processed using the Statistical Packagefor The Social Science (SPSS) version 25. This research model uses multiple linear regression and regression moderation analysis. The results of the study show that financial literacy and mental accounting have an effect on consumptive behavior but income levels do not, and gender cannot moderate the effect of each independent variable on the dependent variable. Further research is recommended to Gen Z.