Dampak Digital Financial Literasi terhadap Perilaku Keuangan pada Ibu Rumah Tangga

Della Rahayu Ningrum, Santi Putriani

Abstract


Penelitian ini bertujuan menganalisis dampak literasi finansial digital terhadap perilaku keuangan pada ibu rumah tangga di Kota Surakarta. Penelitian menggunakan pendekatan kuantitatif asosiatif dengan desain cross-sectional. Data primer diperoleh melalui kuesioner dari ibu rumah tangga berusia 20–50 tahun yang memiliki akses dan pengalaman menggunakan aplikasi keuangan digital. Variabel literasi finansial digital dan perilaku keuangan diukur menggunakan skala Likert 1–5. Analisis data dilakukan menggunakan Structural Equation Modeling-Partial Least Square (SEM-PLS) dengan bantuan WarpPLS melalui pengujian outer model, inner model, dan hipotesis pada tingkat signifikansi 5%. Hasil penelitian menunjukkan bahwa Pengetahuan Digital berpengaruh positif dan signifikan terhadap Perilaku Keuangan dengan koefisien 0,454 dan p-value < 0,001. Pengambilan Keputusan dan Perlindungan Diri juga berpengaruh positif dan signifikan dengan koefisien masing-masing 0,373 dan 0,149. Sebaliknya, Pengetahuan Keuangan, Pengetahuan Praktis, dan Kesadaran tidak berpengaruh signifikan. Nilai R-Square sebesar 0,711 menunjukkan bahwa model mampu menjelaskan 71,1% variasi Perilaku Keuangan.

Keywords


Ibu Rumah Tangga; Literasi Finansial Digital; Pengetahuan Digital; Perilaku Keuangan; Perlindungan Diri.

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DOI: https://doi.org/10.17509/ijdb.v6i1.105575

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