Pengaruh Peer Influence terhadap Frugal Behaviour melalui Religiositas dan Financial Self-Efficacy

Abstract

Frugal behaviour penting dikaji pada dewasa muda karena tingginya paparan pengaruh sosial dan kompleksitas pengambilan keputusan keuangan pada fase emerging adulthood. Penelitian ini bertujuan menganalisis hubungan karakteristik responden dengan peer influence, religiositas, financial self-efficacy, dan frugal behaviour, serta pengaruh langsung dan tidak langsung antarvariabel pada dewasa muda di Jabodetabek. Penelitian menggunakan desain cross-sectional study dengan metode survei terhadap 250 responden berusia 18–25 tahun yang dipilih melalui voluntary sampling. Data dianalisis menggunakan analisis deskriptif, uji korelasi, dan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil menunjukkan bahwa financial self-efficacy berpengaruh positif signifikan terhadap frugal behaviour, sedangkan peer influence dan religiositas tidak berpengaruh langsung terhadap frugal behaviour. peer influence dan religiositas berpengaruh positif signifikan terhadap financial self-efficacy, yang memediasi pengaruh keduanya terhadap frugal behaviour. Dengan demikian, financial self-efficacy berperan penting dalam pembentukan frugal behaviour pada dewasa muda.

Frugal behaviour is important to examine among young adults due to their high exposure to social influence and the complexity of financial decision-making during emerging adulthood. This study aimed to analyze the relationships between respondents’ characteristics and peer influence, religiosity, financial self-efficacy, and frugal behaviour, as well as the direct and indirect effects among these variables among young adults in the Jabodetabek area. A cross-sectional study design with a survey method was employed involving 250 respondents aged 18–25 years selected through voluntary sampling. Data were analyzed using descriptive analysis, correlation tests, and Structural Equation Modeling-Partial Least Squares (SEM- PLS). The results showed that financial self-efficacy had a significant positive effect on frugal behaviour, whereas peer influence and religiosity had no direct effect on frugal behaviour. Peer influence and religiosity had significant positive effects on financial self-efficacy, which mediated their effects on frugal behaviour. Thus, financial self-efficacy plays an important role in shaping frugal behaviour among young adults.