Pengaruh Literasi Keuangan, Gaya Hidup, dan Pengetahuan Fintech Terhadap Perilaku Konsumtif dengan Kontrol Diri Sebagai Moderasi (Studi Kasus Pengguna E Wallet Generasi Z)

Authors

  • Della Seren Monica Universitas Negeri Jakarta
  • Hamidah Universitas Negeri Jakarta
  • Andy Universitas Negeri Jakarta

DOI:

https://doi.org/10.30651/jms.v10i3.27129

Abstract

Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, gaya hidup, dan financial technology terhadap perilaku konsumtif, serta melihat peran kontrol diri sebagai variabel moderasi. Metode yang digunakan adalah kuantitatif dengan pendekatan PLS-SEM, yang dianalisis menggunakan bantuan perangkat lunak SmartPLS versi 4 dan pengumpulan data dilakukan melalui kuesioner terhadap 150 responden pengguna e-wallet dari kalangan Generasi Z. Hasil penelitian menunjukkan bahwa gaya hidup dan penggunaan fintech berpengaruh positif signifikan terhadap perilaku konsumtif, sedangkan literasi keuangan berpengaruh negatif signifikan. Namun, kontrol diri tidak memoderasi secara signifikan hubungan ketiga variabel bebas terhadap perilaku konsumtif. Temuan ini mengindikasikan bahwa aspek gaya hidup dan kemudahan akses teknologi lebih dominan mendorong konsumsi dibandingkan pengaruh kontrol diri.

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Published

2025-07-11

How to Cite

Monica, D. S., Hamidah, & Andy. (2025). Pengaruh Literasi Keuangan, Gaya Hidup, dan Pengetahuan Fintech Terhadap Perilaku Konsumtif dengan Kontrol Diri Sebagai Moderasi (Studi Kasus Pengguna E Wallet Generasi Z). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(3). https://doi.org/10.30651/jms.v10i3.27129

Issue

Vol. 10 No. 3 (2025)

Section

Artikel

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