Analisis Faktor-Faktor yang Mempengaruhi Tingkat Literasi Keuangan Digital: Studi pada Generasi Z di Indonesia

Rita Rahayu

Abstract


Abstrak:

Latar Belakang: Perkembangan fintech kini semakin sangat pesat. Namun sayangnya perkembangan ini belum diringi dengan peningkatan literasi masyarakat dibidang keuangan digital. Saat ini tingkat literasi keuangan digital masyarakat Indonesia masih berada dibawah rata-rata literasi keuangan digital masyarakat di Asia Tenggara. Padahal berdasarkan hasil sensus BPS, sebanyak 75,49 juta penduduk Indonesia adalah generasi digital atau generasi Z, yang seharusnya mempunyai literasi keuangan digital lebih baik jika dibdaning generasi sebelumnya. Kondisi ini tentu menarik untuk didiskusikan. Selain itu, berdasarkan telaah literatur yang dilakukan, dan kini tidak banyak yang mengkaji terkait literasi keuangan digital. Hal ini tentunya menjadi peluang bagi peneliti dalam mengkaji penelitian terkait pada literasi keuangan digital ini.

Tujuan: Penelitian ini mengkaji terkait identifikasi aspek yang mempengaruhi tingkat literasi keuangan digital generasi Z di Indonesia, dan peneliti menghububkan tingkat literasi keuangan digital dan perlaku menabung serta pengeluaran.

Metode Penelitian: Penelitian ini berjenis kuantitatif dengan survei berdasarkan kuisioner online. Sebanyak 558 generasi Z berpartisipasi dalam penelitian ini. Data selanjutnya dioleh dengan menggunakan Strutural Equation Model (SEM) PLS.

Hasil Penelitian: Penelitian ini menemukan bahwa faktor-faktor seperti umur, tingkat pendidikan dan pendapatan merupakan faktor penentu yang mempengaruhi tingkat literasi keuangan digital pada generasi Z di Indonesia. Selain itu, tingkat literasi keuangan digital juga memiliki hubungan positif dan signifikan terhadap perilaku menabung dan perilaku berbelanja generasi Z di Indonesia.

Keaslian/Kebaruan Penelitian: Penelitian ini menyediakan gambaran tentang tingkat literasi keuangan digital generasi Z di Indonesia dan juga faktor-faktor yang mempengaruhinya, yang akan berguna sebagai pembuatan keputusan terkait dengan literasi keuangan digital


Keywords


Digital Financial Literacy, Financial Behavior, Z generation, socio economics factors

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DOI: https://doi.org/10.18196/rabin.v6i1.14268

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