Peran Literasi Keuangan, Digital Financial Behavior, Dan Hedonic Lifestyle Terhadap Financial Well-Being Gen-Z: Moderasi Peer Influence (Studi Kasus Pada Generasi Z di Kalimantan Barat)
DOI:
https://doi.org/10.31004/riggs.v5i2.9099Keywords:
Literasi Keuangan, Digital Financial Behavior, Hedonic Lifestyle, Financial Well-Being, Peer InfluenceAbstract
Penelitian ini bertujuan untuk menganalisis peran Literasi Keuangan, Digital Financial Behavior, dan Hedonic Lifestyle terhadap Financial Well-Being Generasi Z di Kalimantan Barat dengan Peer Influence sebagai variabel moderasi. Penelitian ini dilatarbelakangi oleh meningkatnya penggunaan teknologi digital dan perubahan pola konsumsi pada Generasi Z yang memengaruhi perilaku keuangan serta tingkat kesejahteraan finansial mereka. Generasi Z sebagai generasi yang tumbuh di era digital memiliki karakteristik yang dekat dengan teknologi finansial, transaksi digital, serta gaya hidup modern yang cenderung konsumtif. Oleh karena itu, penting untuk memahami faktor-faktor yang memengaruhi Financial Well-Being agar dapat menjadi dasar dalam meningkatkan kualitas pengelolaan keuangan generasi muda. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan jumlah sampel sebanyak 250 responden yang dipilih menggunakan teknik purposive sampling. Data penelitian dikumpulkan melalui penyebaran kuesioner online kepada Generasi Z di Kalimantan Barat dan dianalisis menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) dengan bantuan software SmartPLS 4. Hasil penelitian menunjukkan bahwa Literasi Keuangan dan Digital Financial Behavior berpengaruh positif dan signifikan terhadap Financial Well-Being. Sementara itu, Hedonic Lifestyle tidak berpengaruh signifikan terhadap Financial Well-Being. Selain itu, Peer Influence tidak mampu memoderasi hubungan Literasi Keuangan dan Digital Financial Behavior terhadap Financial Well-Being, namun mampu memperkuat hubungan Hedonic Lifestyle terhadap Financial Well-Being. Penelitian ini memberikan implikasi bahwa peningkatan kesejahteraan finansial Generasi Z lebih dipengaruhi oleh faktor internal, seperti pengetahuan dan perilaku keuangan yang baik, sedangkan pengaruh sosial lebih berperan dalam memperkuat gaya hidup konsumtif.
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Copyright (c) 2026 Astrid Oviska, Juniwati Juniwati, Helma Malini, Mustaruddin Mustaruddin, Uray Ndaru Mustika
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