PERAN FINANCIAL LITERACY DALAM MENINGKATKAN FINANCIAL WELL-BEING DI ERA DIGITAL
DOI:
https://doi.org/10.58890/jkb.v16i2.357Kata Kunci:
Literasi Keuangan, Kesejahteraan Finansial Digital, Fintech, Perilaku Keuangan, Persepsi RisikoAbstrak
Penelitian ini mengkaji peran literasi keuangan dalam meningkatkan kesejahteraan finansial digital di kalangan generasi muda Indonesia, dengan mempertimbangkan perilaku keuangan sebagai variabel mediasi dan persepsi risiko dalam penggunaan fintech. Menggunakan metode survei kuantitatif, data dikumpulkan dari 300 responden yang berusia 18-35 tahun dan aktif menggunakan fintech untuk mengelola keuangan pribadi. Analisis regresi linier berganda menunjukkan bahwa literasi keuangan memiliki pengaruh signifikan terhadap kesejahteraan finansial digital, di mana individu dengan literasi keuangan yang lebih tinggi cenderung memiliki kesejahteraan finansial yang lebih baik. Perilaku keuangan terbukti menjadi variabel mediasi yang penting dalam menghubungkan literasi keuangan dengan kesejahteraan finansial digital, sementara persepsi risiko secara negatif memengaruhi hubungan tersebut. Hasil ini sejalan dengan Protection Motivation Theory yang menjelaskan bahwa literasi keuangan membantu individu menghadapi risiko finansial digital secara efektif. Temuan ini memiliki implikasi praktis bagi perumusan strategi edukasi keuangan digital yang lebih efektif, serta memberikan kontribusi teoretis dalam literatur manajemen keuangan. Penelitian selanjutnya disarankan untuk mengeksplorasi faktor-faktor lain seperti dukungan sosial dan faktor budaya dalam literasi keuangan digital.
Unduhan
Referensi
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