Pengaruh Financial Technology dan Literasi Keuangan terhadap Mental Budgeting pada Generasi Zoomers di Kota Bandung
DOI:
https://doi.org/10.30651/jms.v10i2.25947Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh financial technology dan literasi keuangan terhadap mental budgeting pada generasi zoomers di Kota Bandung. Dalam pelaksanaannya penelitian ini, menggunakan metode kuantitatif deskriptif dengan melakukan pengumpulan data yang digunakan yaitu dengan data primer, dengan menyebarkan kuesioner secara online dengan media google form kepada 100 responden. Metode pengolahan data menggunakan microsoft excel dan menggunakan program SPSS (Statistical Program for Social Science) versi 30.0. Alat analisis statistik daya yang digunakan yaitu dengan analisis regresi linear berganda. Hasil pada penelitian dengan melakukan uji t menunjukkan nilai sebesar 3,810 > 1,660, dimana t hitung > t tabel dengan signifikansi 0,001 yang telah dilakukan, maka variabel financial technology berpengaruh positif dan signifikan terhadap mental budgeting, sehingga H1 diterima. Hasil uji t pada variabel literasi keuangan menunjukkan nilai t hitung 3,684 > t tabel 1,660, dengan signifikansi 0,001, maka variabel literasi keuangan yang memiliki pengaruh positif dan signifikan terhadap mental budgeting, sehingga H2 diterima. Berdasarkan hasil uji f (simultan) menunjukkan nilai signifikansi sebesar 0,001, sehingga variabel financial technology, dan literasi keuangan signifikan terhadap mental budgeting sehingga H3 dapat diterima.
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