Pengaruh Digital financial literacy dan Financial Socialization Terhadap Saving behavior dengan Self-control sebagai Variabel Intervening pada Gen Z di DKI Jakarta
DOI:
https://doi.org/10.63822/f7yz3737Keywords:
Digital financial literacy, Financial socialization, Self-control, Saving behaviorAbstract
Penelitian ini bertujuan menganalisis pengaruh digital financial literacy dan financial socialization terhadap saving behavior Gen Z di DKI Jakarta, dengan self-controlsebagai variabel mediasi. Pendekatan kuantitatif digunakan melalui metode survei, mengumpulkan data dari 200 responden Gen Z pengguna platform keuangan digital di DKI Jakarta. Teknik purposive sampling diterapkan dalam pengambilan sampel.Analisis data menggunakan SEM-PLS (Structural Equation Modeling Partial Least Square) dengan software SmartPLS 4.0 untuk menguji total tujuh hipotesis. Hasil penelitian menunjukkan bahwa digital financial literacy dan financial socialization secara langsung memiliki pengaruh positif dan signifikan terhadap saving behavior. Demikian pula, self-controljuga terbukti berpengaruh positif dan signifikan terhadap saving behavior. Lebih lanjut, digital financial literacy dan financial socialization turut berpengaruh positif dan signifikan terhadap saving behavior yang dimediasi oleh self-controlpada Generasi Z di DKI Jakarta. Ini menyoroti peran krusial self-controldalam hubungan tersebut
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