Optimasi Literasi Keuangan Digital pada Generasi Z melalui Pengaruh Mental Accounting dan Perilaku Keuangan dengan Variabel Moderasi Gender

Dika Puspitaningrum; Ainin Syukuria Putri; Yonatan Alvin Stefan; Tabita; Novita Yogi Aprilia

doi:10.47709/jebma.v6i3.9660

Authors

Dika Puspitaningrum Sekolah Tinggi Ilmu Ekonomi Surakarta
Ainin Syukuria Putri
Yonatan Alvin Stefan
Tabita
Novita Yogi Aprilia

DOI:

https://doi.org/10.47709/jebma.v6i3.9660

Abstract

Eksistensi fintech memengaruhi dinamika finansial Generasi Z, tetapi berpotensi memicu kerentanan impulsif dan ketergantungan kredit digital jika tidak diimbangi kontrol internal. Penelitian kuantitatif ini menguji dampak mental accounting dan sikap keuangan terhadap perilaku keuangan digital Generasi Z pengguna fintech, sekaligus mengomparasi daya moderasi gender. Data bersumber dari kuesioner terhadap 300 responden Generasi Z di Kota Surakarta berusia 17-27 tahun yang dipilih menggunakan purposive sampling. Analisis data diolah memanfaatkan Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS) via RStudio. Hasil riset mengonfirmasi bahwa mental accounting dan sikap keuangan berpengaruh positif dan signifikan terhadap peril’aku keuangan, di mana sikap keuangan bertindak sebagai prediktor paling dominan. Sebaliknya, gender tidak terbukti secara statistik memoderasi kedua jalur pengaruh tersebut, menandakan bahwa mekanisme psikologis beroperasi secara konstan lintas gender. Namun, efek moderasi gender ditemukan tidak signifikan, mengindikasikan homogenitas pengaruh faktor psikologis pada pria dan wanita. Implikasi riset ini memperkuat Behavioral Finance Theory serta mendasari penyusunan program literasi keuangan digital yang inklusif secara gender.

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