ANALISIS HUBUNGAN POLA KONSUMSI DAN POLA INVESTASI TERHADAP PERENCANAAN KEUANGAN DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL INTERVENING PADA KELUARGA DI KELURAHAN KEMBANGAN UTARA

Sipahutar, Dita Juliyanti and Hutapea, Ganda and Sembiring, Carolina F (2021) ANALISIS HUBUNGAN POLA KONSUMSI DAN POLA INVESTASI TERHADAP PERENCANAAN KEUANGAN DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL INTERVENING PADA KELUARGA DI KELURAHAN KEMBANGAN UTARA. (Unpublished)

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Abstract

The purpose of this research is to see whether there is a relationship between consumption patterns and investment patterns on financial planning through financial literacy as a mediation. In this study using a questionnaire as a method of data collection and purposive sampling as a sampling technique. The object of this study has a population, namely families who live in Kembangan Utara Village with a sample of 100 respondents. The research design used in this study is the Rank Spearman correlation test to find out how the relationship between variables and Bootsrapping to see if there is a role of mediation using the SPSS 25 program. To have more reliable results, the data underwent several tests, namely, validity and reliability test. The results of this study showed that consumption pattern and investment pattern are related to financial literacy, then consumption pattern, investment pattern and financial literacy are related to financial planning and financial literacy as an intervening variable can mediate the relationship between investment pattern and consumption pattern on financial planning. Keywords: financial planning, consumption pattern, investment pattern, financial literacy

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