Literasi Keuangan Digital dan Kesejahteraan Finansial sebagai Fondasi Financial Behavior Generasi Z: Implikasi Kebijakan di Kota Medan
Sari
Kemajuan teknologi keuangan digital telah membawa transformasi yang substansial terhadap pola perilaku keuangan Generasi Z, terutama dalam praktik pengelolaan keuangan pribadi di tengah dinamika ekonomi digital. Situasi ini menuntut individu untuk tidak hanya menguasai pengetahuan keuangan digital secara memadai, tetapi juga memiliki tingkat financial well-being yang baik sebagai fondasi dalam membentuk perilaku keuangan yang sehat, rasional, dan bertanggung jawab. Penelitian ini bertujuan untuk mengkaji pengaruh pengetahuan keuangan digital dan financial well-being terhadap financial behavior pada Generasi Z di Kota Medan. Pendekatan penelitian yang digunakan adalah kuantitatif dengan metode survei melalui penyebaran kuesioner terstruktur kepada Generasi Z yang secara aktif memanfaatkan layanan keuangan digital. Analisis data dilakukan menggunakan Structural Equation Modeling–Partial Least Squares (SEM-PLS) untuk menguji hubungan antarvariabel laten secara simultan. Hasil penelitian mengungkapkan bahwa pengetahuan keuangan digital dan financial well-being berpengaruh positif dan signifikan terhadap financial behavior. Temuan ini menunjukkan bahwa semakin tinggi pemahaman individu terhadap sistem dan layanan keuangan digital serta semakin baik tingkat kesejahteraan finansial yang dirasakan, maka semakin bijak dan bertanggung jawab pula perilaku keuangannya. Secara praktis, hasil penelitian ini menegaskan pentingnya peran lembaga keuangan, pemerintah, dan institusi pendidikan dalam merancang program literasi keuangan digital yang terintegrasi dengan upaya peningkatan kesejahteraan finansial Generasi Z. Penelitian ini diharapkan dapat menjadi referensi dalam perumusan kebijakan literasi keuangan digital serta strategi pengelolaan keuangan yang berkelanjutan bagi generasi muda.
Kata Kunci: pengetahuan keuangan digital, financial well-being, financial behavior, Generasi Z, SEM-PLS
Teks Lengkap:
PDFReferensi
Ali, M. (2024). The role of financial parenting , childhood financial socialization and childhood financial experiences in developing financial well-being among adolescents in their later life Design / methodology / approach Research limitations / implications Originalit. Journal of Economic and Administrative Sciences, 1(1), 1–21. https://doi.org/10.1108/JEAS-07-2023-0194/1254655/The-role-of-financial-parenting-childhood
Azaria, C., Susilaningsih, & Sudarno. (2024). An Integrated Perspective : The Impact of Digital Financial Knowledge and Self- Esteem on Financial Behavior in the Lives of College Students. Jurnal Hasil Penelitian Dan Kajian Kepustakaan Di Bidang Pendidikan, Pengajaran Dan Pembelajaran, 10(1), 48–55.
Badrudin, R., Fahlevi, M., Dahlan, S. P., Dahlan, O. P., & Dandi, M. (2025). Financial stress and its determinants in Indonesia: Exploring the moderating effects of digital knowledge, age, and gender. Journal of Open Innovation: Technology, Market, and Complexity, 11(2), 1–19. https://doi.org/10.1016/j.joitmc.2025.100528
Chanoago, S., Azman, N. S., Fadli, A., Djohan, D., & Hastuty, W. (2025). Empowering Generation Z : The Influence of Self-Efficacy and Digital Financial Inclusion on Financial Behavior in the Digital Era. Journal of Finance Integration and Business Independence, 1(2), 8–14. https://doi.org/10.64276/jofibi.v1i2.37
Demertzis, M., Moffat, L. L., Lusardi, A., & López, J. M. (2024). The state of financial knowledge in the European Union. Policy Brief, 1(1), 1–21.
Djohan, D., Budiman, I., Nasib, Razaq, M. R., & Fathoni, M. (2025). Fintech , Digital Branding , and Customer Engagement to Enhance Gayo Arabica Coffee SMEs ’ Performance. Jurnal Ilmiah Manajemen Kesatuan, 13(5), 3349–3360. https://doi.org/10.37641/jimkes.v13i5.3540
Effendi, I., Lubis, A., & Nasib. (2023). Behavior of university students cannot buy smartphones. JPPI (Jurnal Penelitian Pendidikan Indonesia), 9(1), 188–194. https://doi.org/https://doi.org/10.29210/ 020221857
Fransisca, J., Subur, A., & Saputra, H. (2025). The Influence Of Liquidity , Solvency , And Profitability On The Financial Performance Of Food And Beverage Manufacturing Companies Listed On The Indonesia Stock Exchange For The 2021-2024 Period. Jurnal Economic Resources, 9(1), 122–133. https://doi.org/https://doi.org/10.57178/jer.v9i1.1996
Gafoor, A. (2025). Financial well-being of internal migrant labours : the role of financial socialisation , financial knowledge and Originality / value Peer review. International Journal of Social Economics, 52(1), 78–90. https://doi.org/https://doi.org/10.1108/IJSE-01-2024-0044
Hardiansyah, H., Amelia, R., Harianto, A., & Syahlina, M. (2025). Digital Transformation and Its Impact on Production Improvement : A Case Study at PT Gajah Mada Plastik. Journal of Business Integration and Competitive, 1(2), 108–115. https://doi.org/https://doi.org/10.64276/jobic.v1i2.21
Harianto, A., Fali, I. M., Rivai, A., Ayuni, T. W., & Khairani, R. (2025). Behavioral and Knowledge-Based Determinants of Tax Compliance : A Study on SMEs in North Medan , Indonesia. Journal of Finance Integration and Business Independence, 1(2), 1–7. https://doi.org/10.64276/jofibi.v1i2.36
Hou, A., Fali, I. M., Razaq, M. R., Hoki, L., & Pebri, P. (2025). Digital Knowledge and Financial Resilience as Determinants of Financial Behavior : Evidence from Indonesia. Journal of Business Integration and Competitive, 2(1), 40–49. https://doi.org/10.64276/jobic.v2i1.29
Kumar, P., Ahlawat, P., Deveshwar, A., & Yadav, M. (2025). Do Villagers ’ Financial Socialization , Financial Literacy , Financial Attitude , and Financial Behavior Predict Their Financial Well - Being ? Evidence from an Emerging India. Journal of Family and Economic Issues, 1(1), 1–28.
Mathew, V., & K, S. K. P. (2024). Financial Well-being and Its Psychological Determinants An Emerging Country Perspective. FIIB Business Review, 13(1), 42–55. https://doi.org/10.1177/23197145221121080
Mehmood, S., Khan, M. Z., & Ghaffar, A. (2024). Bulletin of ManageMent Review Bulletin of ManageMent Review ( BMR ) Bulletin of ManageMent Review. Bulletin of ManageMent Review, 1(1), 343–359.
Nugraheni, P., & Darma, E. S. (2025). Adoption of Digital Technology and Financial Knowledge : Strategies for Achieving Sustainable Performance of MSMEs. J. Risk Financial Manag, 18(1), 1–15.
Pakpahan, D. R., Handayani, C., & Sanjaya, M. (2024). The Effect of Fintech Payment and Financial Literacy on Impulsive Buying of college students in Medan City. Journal of Finance Integration and Business Independence, 1(1), 20–29.
Prasetyo, F. A., & Mustaqim, M. (2024). Financial technology, financial knowledge, and financial attitude of Generation Z: Determinants of financial behavior. Journal of Enterprise and Development (JED), 6(2), 1–18.
Sajid, M., Mushtaq, R., Murtaza, G., Yahiaoui, D., & Pereira, V. (2024). Financial literacy , confidence and well-being : The mediating role of financial behavior. Journal of Business Research, 182(September), 1–8. https://doi.org/https://doi.org/10.1016/j.jbusres.2024.114791
Silalahi, H. K., Khairani, R., Tandean, C., Tanady, T., Andrian, & Nasib. (2024). The Impact of Financial Literacy , Financial Technology , and Financial Inclusion on the Financial Performance of Micro , Small , and Medium Enterprises ( MSMEs ) in the Culinary Sector in Medan. International Journal of Economics Development Research, 5(2), 979–991.
Tambunan, D., Hou, A., Nasib, Hs, W. H., & Pasaribu, D. (2024). The Role of Financial Literacy and Self-Motivation in Fostering Entrepreneurial Interest and Self-Efficacy among University Students. Journal of Logistics, Informatics and Service Science, 11(1), 136–145. https://doi.org/10.33168/JLISS.2024.0109
Zaimovic, A., Omanovic, A., Nuhic Meskovic, M., Arnaut-Berilo, A., Zaimovic, T., Dedovic, L., & Torlakovic, A. (2025). The nexus between digital financial knowledge and financial inclusion: digital financial attitudes and behaviour as mediators enhancing financial inclusion. International Journal of Bank Marketing, 43(2), 388–423. https://doi.org/10.1108/IJBM-01-2024-0053
DOI: https://doi.org/10.37531/yume.v9i1.11372
Refbacks
- Saat ini tidak ada refbacks.
Ciptaan disebarluaskan di bawah Lisensi Creative Commons Atribusi-BerbagiSerupa 4.0 Internasional