Pengaruh financial attitude, income, locus of control, financial literacy terhadap financial management behavior gamers yang melakukan transaksi lootbox pada game Genshin Impact
DOI:
https://doi.org/10.26740/jim.v13n3.p645-660Keywords:
financial attitude, financial management behaviour , income, locus of control.Abstract
This study aims to investigate the factors that can influence the financial management behaviour of Genshin Impact gamers who engage in lootbox transactions. The study employs a quantitative approach; this research utilises primary data collected from 176 individuals characterised as gamers who have an income and have made transactions within Genshin Impact. The collected data was processed using SEM-PLS (Structural Equation Modelling-Partial Least Squares) analysis with the aid of SmartPLS 4 software. The results of this study indicate that the variables financial attitude and locus of control have a significant effect on financial management behaviour. In contrast, the variables income and financial literacy do not influence financial management behaviour. Therefore, the impliactions of this research highligt the importance for gamers to cultivate positive financial attitudes through awareness in managing expenses, savings and long-term goals. Gamers who actively engage in in-game transactions should strengthen internal control to resist external pressures such as lootbox promotions or community influence, enabling more rational decisions aligned with personal needs and financial capacity. Moreover, gamers need to understand that the higher the income does not automatically lead to good financial management behavior; effective financial management is required regardless of income level. Financial literacy should be applied into daily habits so that it can supports more sustainable financial decisions, rather than just theoretical understanding. Consistent financial management behavior can help gamers avoid impulsice spending and maintain financial well-being
References
Adiputra, I. G., & Patricia, E. (2020). The Effect of Financial Attitude, Financial Knowledge, and Income on Financial Management Behavior. 107–112. https://doi.org/10.2991/ASSEHR.K.200515.019
Aisyah Azzahra. (2024). Financial Management Behavior Dengan Financial Self Efficacy Sebagai Variabel Moderasi. Ebisma (Economics, Business, Management, & Accounting Journal), 4(1), 28–38. https://doi.org/10.61083/EBISMA.V4I1.43
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211.
Adiputra, I. G., & Patricia, E. (2020). The Effect of Financial Attitude, Financial Knowledge, and Income on Financial Management Behavior. 107–112. https://doi.org/10.2991/ASSEHR.K.200515.019
Aisyah Azzahra. (2024). Financial Management Behavior Dengan Financial Self Efficacy Sebagai Variabel Moderasi. Ebisma (Economics, Business, Management, & Accounting Journal), 4(1), 28–38. https://doi.org/10.61083/EBISMA.V4I1.43
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211.
Alhadad, Z. (2020, September 28). Open-World Action RPG ‘Genshin Impact’ Now Available Worldwide. https://sea.ign.com/genshin-impact-ps4/164243/news/open-world-action-rpg-genshin-impact-now-available-worldwide
Amri, A., Widyastuti, T., Bahri, S., & Ramdani, Z. (2023). Effect of Individual Attributes toward Financial Management Behavior through Locus of Control. Etikonomi, 22(2), 443–456. https://doi.org/10.15408/etk.v22i2.26563
Amri Universitas Muhammadiyah Hamka, A., & Ramdani UIN Sunan Gunung Djati Bandung, Z. (2023). Effect of Individual Attributes toward Financial Management Behavior through Locus of Control. https://doi.org/10.15408/etk.v22i2.26563
Andrew, V., Linawati, N., & Anastasia, N. (2014). Hubungan Faktor Demografi dan Pengetahuan Keuangan Dengan Perilaku Keuangan Karyawan Swasta di Surabaya. Finesta, 2(2), 35–39.
Arifa, J. S. N., & Setiyani, R. (2020). Pengaruh Pendidikan Keuangan di Keluarga, Pendapatan, dan Literasi Keuangan terhadap Financial Management Behavior Melalui Financial Self-Efficacy Sebagai Variabel Mediasi. Economic Education Analysis Journal, 9(2). https://doi.org/10.15294/eeaj.v9i2.39431
Arshad, A. S., Azura Arshad, A., Zin, Z. M., Lubis, A. W., Najla, P. H., & Haniffa, M. (2021). Determining Drivers of Financial Management Behavior Among Working Adults In Malaysia. Advances in Business Research International Journal, 7(2), 161–171. https://doi.org/10.24191/ABRIJ.V7I2.15007
Asandimitra, N., & Kautsar, A. (2019). The Influence of Financial Information, Financial Self Efficacy, and Emotional Intelligence to Financial Management Behavior of Female Lecturer. Humanities & Social Sciences Reviews, 7(6), 1112–1124. https://doi.org/10.18510/hssr.2019.76160
Azib, A., Harahap, D. A., & Amanah, D. (2022). Do Financial Literacy And Financial Attitudes Play A Role In Influencing Financial Management Behavior? International Journal of Early Childhood Special Education (INT-JECS, 14(3), 2022. https://doi.org/10.9756/INT-JECSE/V1413.194
Brooks, G. A., & Clark, L. (2019). Associations between loot box use, problematic gaming and gambling, and gambling-related cognitions. Addictive Behaviors, 96, 26–34. https://doi.org/https://doi.org/10.1016/j.addbeh.2019.04.009
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/S1057-0810(99)80006-7
Damayanti, D., Tubasuvi, N., Purwidianti, W., & Aryoko, Y. P. (2023). Financial Management Behavior: The Influence of Financial Knowledge, Financial Attitude, and Financial Literacy Mediated by Locus of Control. Indonesian Journal of Business Analytics (IJBA), 3(6), 2331–2350. https://doi.org/10.55927/ijba.v3i6.6907
Dessart, W. C. A. M., & Kuylen, A. A. A. (1986). The Nature, Extent, Causes, and Consequences of Problematic Debt Situations.
Dew, J., & Xiao, J. (2011). The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 19–35. https://scholarsarchive.byu.edu/facpub/4521
Ericska, R. A., Nelloh, L. A. M., & Pratama, S. (2022). Purchase intention and behavioural use of freemium mobile games during Covid-19 outbreak in Indonesia. Procedia Computer Science, 197, 403–409. https://doi.org/10.1016/J.PROCS.2021.12.156
Eser, A. (2024, July 4). Average Genshin Player Statistics Statistics: Market Data Report 2024. https://worldmetrics.org/average-genshin-player-statistics/
Fatimah, N., & Susanti. (2018). Pengaruh pembelajaran akuntansi keuangan, literasi keuangan, dan Pendapatan terhadap perilaku keuangan mahasiswa fakultas ekonomi Universitas muhammadiyah gresik. Jurnal Pendidikan Akuntansi, 6.
Fietroh, M. N., & Mandasari, J. (2022). The Impact of Financial Knowledge, Financial Attitude, And Parents’ Income on Financial Management Behaviour in Generation Z.
Furnham, A. (1984). Many sides of the coin: The psychology of money usage. Personality and Individual Differences, 5(5), 501–509. https://doi.org/10.1016/0191-8869(84)90025-4
Garlans Sina, P. (2014). Tipe Kepribadian Dalam Personal Finance. Jibeka, 8(1).
Gibson, L. J., Ivancevich, M. J., & Konpaske, R. (2012). Organizations: Behavior, Structure, Processes. Fourteenth Edition. (P. Ducham & J. Beck, Eds.; 14th ed.). McGraw-Hill.
Gilang Ikhsani, R., & Haryono, N. A. (2022). Financial Management Behaviour of Mobile Legend Gamers. Technium Social Sciences Journal, 35, 462–476. www.techniumscience.com
Hefri, B. N. F. (2024). The mediating role of locus of control: Financial knowledge and financial attitude on financial management behavior. Journal of Management and Business Insight, 1(2), 172–184. https://doi.org/10.12928/jombi.v1i2.759
Herawati, N. T., Candiasa, I. M., Yadnyana, I. K., & Suharsono, N. (2018). Factors That Influence Financial Behavior Among Accounting Students in Bali. International Journal of Business Administration, 9(3), 30. https://doi.org/10.5430/ijba.v9n3p30
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude,Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan, 9(3). https://doi.org/10.20473/JMTT.V9I3.3077
Herlindawati, D. (2015). Pengaruh Kontrol Diri, Jenis Kelamin, dan Pendapatan Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Pascasarjana Universitas Negeri Surabaya. Jurnal Ekonomi Pendidikan Dan Kewirausahaan, 3(2), 158–169. https://doi.org/10.26740/JEPK.V3N2.P158-169
Hung, A., Parker, A. M., & Yoong, J. (2009). Defining and Measuring Financial Literacy. In SSRN Electronic Journal. Elsevier BV. https://doi.org/10.2139/SSRN.1498674
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/J.1745-6606.2010.01170.X
Ida, I., & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144. https://doi.org/10.34208/JBA.V12I3.202
Isaac Wachira, M., & Kihiu, E. N. (2012). Impact of Financial Literacy on Access to Financial Services in Kenya. International Journal of Business and Social Science, 3(19). www.ijbssnet.com
Kautsar, A., Asandimitra, N., Isbanah, Y., Kusumaningrum, T. M., & Rozaq, K. (2020). A new decade for social changes Financial management behavior of junior high school woman teacher. Technium Social Sciences Journal, 14, 445–453. www.techniumscience.com
Keitharo, J. (2021, January 20). Perilaku Belanja Online di Kalangan Mahasiswa Halaman all - Kompasiana.com. https://www.kompasiana.com/josefidkeitharo4198/6007ad378ede480d2219e382/perilaku-belanja-online-di-kalangan-mahasiswa?page=all&page_images=1
Kholilah, N. Al, & Iramani, Rr. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business & Banking, 3(1), 69–80. https://doi.org/10.14414/JBB.V3I1.255
Lehmann, T. A., Krug, J., & Falaster, C. D. (2019). Consumer purchase decision: Factors that influence impulsive purchasing. Revista Brasileira de Marketing, 18(4), 196–219. https://doi.org/10.5585/remark.v18i4.13345
Li, W., Mills, D., & Nower, L. (2019). The relationship of loot box purchases to problem video gaming and problem gambling. Addictive Behaviors, 97, 27–34. https://doi.org/10.1016/J.ADDBEH.2019.05.016
Macey, J., & Hamari, J. (2019). eSports, skins and loot boxes: Participants, practices and problematic behaviour associated with emergent forms of gambling. New Media & Society, 21(1), 20–41. https://doi.org/10.1177/1461444818786216
Mien, N. T. N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences, 10–12.
Moko, W., Sudiro, A., & Kurniasari, I. (2022). The effect of financial knowledge, financial attitude, and personality on financial management behavior. International Journal of Research in Business and Social Science (2147- 4478), 11(9), 184–192. https://doi.org/10.20525/ijrbs.v11i9.2210
Pankow, D., & Pankow, D. (2003). Financial Values, Attitudes and Goals. NDSU Extension Circular FS 591. https://library.ndsu.edu/ir/handle/10365/5038
Potrich, A., Vieira, K., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. 39, 356–376. https://doi.org/10.1108/MRR-06-2014-0143
President’s Advisory Council on Financial Literacy. (2008). 2008 Annual Report to the President. https://www.treasury.gov/about/organizational-structure/offices/Domestic-Finance/Documents/PACFL_Draft-AR-0109.pdf
Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis Factors Influencing Financial Management Behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8). https://doi.org/10.6007/IJARBSS/V8-I8/4471
Rahmi, M., Al-Shaghdari, F., Sulistiyani, T., & Amwa, F. (2023). Financial knowledge, financial attitude, and personality as antecedent of financial management behavior. Journal of Management and Business Insight, 1(2), 103–111. https://doi.org/10.12928/jombi.v1i2.588
Robbins, S., Judge, T. A., Millet, B., & Boyle, M. (2013). Organisational Behaviour (7th ed.). Pearson Australia Group Pty Ltd. https://books.google.co.id/books?hl=id&lr=&id=-C7iBAAAQBAJ&oi=fnd&pg=PP1&dq=robbins+%26+judge+2013&ots=aKfo_jQVez&sig=_3wy3TBHErumJYVjiBDtO7Vpnck&redir_esc=y#v=onepage&q=robbins%20%26%20judge%202013&f=false
Rotter, J. B. (1966). Generalized expectancies for internal versus external control of reinforcement. Psychological Monographs, 80(1), 1–28. https://doi.org/10.1037/h0092976
Rusli, M. G., & Berlianto, M. P. (2022). Antecedents of Satisfaction and Loyalty Towards In-App Purchase Intention for Indonesian Genshin Impact Players. Enrichment : Journal of Management, 12(2), 1617–1629. https://doi.org/10.35335/ENRICHMENT.V12I2.442
Sampoerno, A. E., & Asandimitra, N. (2021). Pengaruh Financial Literacy, Income, Hedonism Lifestyle, Self- Control, dan Risk Tolerance Terhadap Financial Management Behavior Pada Generasi Milenial. Jurnal Ilmu Manajemen, 9(3).
Servon, L. J., & Kaestner, R. (2008). Consumer Financial Literacy and the Impact of Online Banking on the Financial Behavior of Lower-Income Bank Customers. Journal of Consumer Affairs, 42(2), 271–305. https://doi.org/10.1111/J.1745-6606.2008.00108.X
Shinta, R. E., & Lestrai, W. (2019). Pengaruh Financial Knowledge, Lifestyle Pattern pada Perilaku Manajemen Keuangan Wanita Karir dengan Locus of Control sebagai Variabel Moderasi. Journal of Business and Banking, 8(2), 271–283. https://doi.org/10.14414/jbb.v8i2.1524
Siswanti, I., & Halida, A. M. (2020). Financial Knowledge, Financial Attitude, And Financial Management Behavior: Self–Control As Mediating. The International Journal of Accounting and Business Society, 28(01).
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/J.JBEF.2017.04.002
Sudarmawanti, E., Mar’ati, F. S., & Ningrum, D. K. (2024). Financial Management Behavior with Locus of Control as an Intervening Variable: Impact of of Financial Knowledge and Income Level. Ekonomis: Journal of Economics and Business, 8(2), 1509. https://doi.org/10.33087/ekonomis.v8i2.1899
Suhartanto, C. (2024, February 1). Genshin Impact Cetak Pendapatan Rp78,8 Triliun, Game dengan Pertumbuhan Tercepat. https://teknologi.bisnis.com/read/20240201/564/1737504/genshin-impact-cetak-pendapatan-rp788-triliun-game-dengan-pertumbuhan-tercepat
Supriadi, T., Santi, F., Manajemen, J., Ekonomi, F., Bisnis, D., Bengkulu, U., Kandang, J. W. S., & Bengkulu, L. (2021). Pengaruh Financial Literacy, Money Ethics, Dan Time Preference Terhadap Financial Behavior Siswa Sekolah Menengah Atas (SMA) Kota Bengkulu. Benefit: Jurnal Manajemen Dan Bisnis, 6(2), 111–127. https://doi.org/10.23917/benefit.v6i2.16013
Syaliha, A., Sutieman, E., Pasolo, M. R., & Pattiasina, V. (2022). The Effect of Financial Literacy, Life Style, Financial Attitude and Locus of Control to Financial Management Behavior. Public Policy, 3(1), 53. https://doi.org/10.51135/PublicPolicy.v3.i1.p52-71
Syarif, A., & Putri, A. (2022). The Influence of Financial Attitude, Financial Knowledge, and Personal Income on Personal Financial Management Behavior. 1(1), 2022. https://doi.org/10.54099/aijms.v1i1.226
The Gaming Market in Indonesia | Allcorrect Games. (2024, May). https://allcorrectgames.com/insights/the-gaming-market-in-indonesia/
Wahyuni, S. F., Radiman, Hafiz, M. S., & Jufrizen. (2023). Financial literacy and financial attitude on financial management behavior: An examination of the mediating role of the behavioral intention of students at private universities in Indonesia. Investment Management and Financial Innovations, 20(3), 239–250. https://doi.org/10.21511/IMFI.20(3).2023.20
Wetzels, M., Odekerken-Schröder, G., & van Oppen, C. (2009). Using PLS Path Modeling for Assessing Hierarchical Construct Models: Guidelines and Empirical Illustration. MIS Quarterly, 33(1), 177–195. https://doi.org/10.2307/20650284
Widiastuti, C., Universari, N., & Setiawan, I. (2023). DETERMINANTS OF FINANCIAL MANAGEMENT BEHAVIOR OF SEMARANG CITY SMEs. Jurnal Akuntansi Dan Bisnis Indonesia (JABISI), 4(1). https://doi.org/10.55122/jabisi.v4i1.704
Wilson, C., Butler, N., Quigg, Z., & Sumnall, H. (2024). Associations between loot box purchasing and gambling behaviours, financial problems, and low mental wellbeing in a household sample from a British island, a cross-sectional study. Journal of Public Health (Germany). https://doi.org/10.1007/s10389-024-02355-3
Xiao, J. J. (2008). Handbook of Consumer Finance Research (J. J. Xiao, Ed.; 1st ed., Vol. 5). https://doi.org/10.1007/978-0-387-75734-6_5
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. BISNIS & BIROKRASI: Jurnal Ilmu Administrasi Dan Organisasi, 23(3), 4. https://doi.org/10.20476/jbb.v23i3.9175
Zendle, D., & Cairns, P. (2018). Video game loot boxes are linked to problem gambling: Results of a large-scale survey. PLOS ONE, 13(11), e0206767-. https://doi.org/10.1371/journal.pone.0206767
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Abstract views: 145
,
PDF Downloads: 39
