Analisis Keuangan Keperilakuan: Pengaruh Financial Attitude, Digital Payment, Lifestyle, dan Financial Knowledge terhadap Financial Well-Being Masyarakat di Provinsi Riau

Nana Sari; Yohanisti Yohanisti; Puji Ananda Irvan; Habibah Tun Nisyah; Wahyu Febri Ramadhan Sudirman

doi:10.31004/riggs.v5i1.6105

Authors

Nana Sari Universitas Dumai
Yohanisti Yohanisti Universitas Dumai
Puji Ananda Irvan Universitas Dumai
Habibah Tun Nisyah Universitas Dumai
Wahyu Febri Ramadhan Sudirman Universitas Pahlawan Tuanku Tambusai

DOI:

https://doi.org/10.31004/riggs.v5i1.6105

Keywords:

Financial Attitude, Digital Payment, Financial Knowledge, Lifestyle, Financial Well-Being

Abstract

Penelitian ini bertujuan menganalisis pengaruh financial attitude, digital payment, lifestyle, dan financial knowledge terhadap financial well-being masyarakat di Provinsi Riau. Penelitian menggunakan pendekatan kuantitatif dengan desain cross-sectional. Data dikumpulkan melalui kuesioner daring terhadap 270 responden pengguna pembayaran digital dan dianalisis menggunakan metode PLS-SEM dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa financial attitude, digital payment, financial knowledge, dan lifestyle berpengaruh positif dan signifikan terhadap financial well-being. Variabel financial knowledge memiliki pengaruh paling kuat dibandingkan variabel lainnya. Temuan ini menunjukkan pentingnya sikap, pengetahuan keuangan, serta pemanfaatan teknologi pembayaran digital secara bijak dalam meningkatkan kesejahteraan keuangan masyarakat.

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