金融知识对千禧一代公务员和私人雇员金融行为影响的比较

Tri Sulastri, Rilla Gantino
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摘要

本研究旨在确定金融知识对物质主义、强迫性购买、负债和储蓄行为的影响。此外,研究还确定了物质主义对雅加达地区公务员和私人雇员,尤其是千禧年年龄段的公务员和私人雇员的强迫性购买和负债的影响,以及强迫性购买对负债的影响。数据收集采用李克特量表在线进行。研究对象包括在雅加达地区工作的私人雇员和公务员,共有 538 名受访者。采用的研究方法是 SEM-Lisrel 分析定量研究。研究结果表明,高金融素养(FL)并不能降低公务员和私人雇员的负债水平(I)。高物质主义(M)与两组工人负债水平(I)的增加相关。高强迫性购买(CB)只会增加公务员的负债(I),但不适用于私人雇员。高物质主义(M)会提高公务员的强迫性购买(CB)率,但不会提高私人雇员的强迫性购买率。此外,研究还发现,高金融素养(FL)有可能降低公务员的物质主义(M),但不适用于私人雇员。同时,高金融素养(FL)对减少公务员和私人雇员的强迫性购买行为(CB)也有积极影响。但是,金融素养(FL)对公务员和私人雇员的储蓄行为(SB)没有积极影响。此外,在私人雇员和公务员之间的比较方面,本研究显示,私人雇员的物质主义和强迫性购买水平往往高于公务员。然而,两个群体在金融知识水平、负债率和储蓄行为方面并无明显差异。研究结果表明,两个群体可以采用类似的方法来提高金融知识水平和降低债务水平。
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Comparison of the Effects of Financial Literacy on the Financial Behavior of Civil Servants and Private Employees at Millennial Age
This study aims to determine the effect of financial literacy on materialism, compulsive buying, indebtedness, and saving behavior. In addition, it determines the influence of materialism on compulsive buying and indebtedness, as well as compulsive buying on indebtedness among civil servants and private employees in the Jakarta area, especially those of millennial age. Data collection was carried out online using a Likert scale. The population in this study was composed of private employees and civil servants working in the Jakarta area, with a total of 538 respondents. The research method used is quantitative research with SEM-Lisrel analysis. The results of this study show that high financial literacy (FL) is not able to reduce the level of indebtedness (I) among civil servants and private employees. High materialism (M) correlated with increased levels of indebtedness (I) in both groups of workers. High compulsive buying (CB) only has the effect of increasing indebtedness (I) in civil servants but does not apply to private employees. High materialism (M) encourages an increase in the rate of compulsive buying (CB) in civil servants but not in private employees. Furthermore, it was found that high financial literacy (FL) has the potential to reduce materialism (M) in civil servants but does not apply to private employees. Meanwhile, high financial literacy (FL) also has a positive impact on reducing compulsive buying (CB) behavior in civil servants and private employees. However, financial literacy (FL) does not have a positive influence on saving behavior (SB) among civil servants and private employees. Furthermore, in terms of comparison between private employees and civil servants, this study shows that private employees tend to have higher levels of materialism and compulsive buying compared to civil servants. However, there were no significant differences in levels of financial literacy, indebtedness, or saving behavior between the two groups. The findings mean that efforts to improve financial literacy and reduce debt levels could be undertaken with similar approaches for both groups.
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