Pengaruh Literasi Keuangan Terhadap Kepuasan Finansial Dimoderasi Religiusitas: Studi Pada Generasi Z di Kota Kupang
DOI:
https://doi.org/10.55826/jtmit.v4i4.1707Keywords:
Literasi, Kepuasan, Religiusity, Finansial, Gen ZAbstract
Penelitian ini bertujuan menganalisis pengaruh literasi keuangan terhadap kepuasan finansial Generasi Z di Kota Kupang dengan religiusitas sebagai variabel moderator. Generasi Z merupakan kelompok usia produktif yang mulai mengelola keuangan secara mandiri, namun rentan terhadap perilaku konsumtif akibat perkembangan teknologi dan media sosial. Penelitian ini menggunakan pendekatan kuantitatif melalui survei terhadap 97 responden yang dipilih secara purposive sampling. Data dikumpulkan menggunakan kuesioner berskala Likert dan dianalisis dengan Moderated Regression Analysis (MRA) untuk menguji pengaruh langsung literasi keuangan terhadap kepuasan finansial serta peran religiusitas dalam memperkuat atau melemahkan hubungan tersebut. Luaran penelitian ini ditargetkan berupa artikel ilmiah yang dipublikasikan pada jurnal nasional terakreditas
References
[1] Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
[2] Amalia, R., & Asandimitra, N. (2024). The effect of financial literacy on financial satisfaction through financial behavior among fintech loan users. Jurnal Ilmiah Manajemen, 12(1), 45–57.
[3] Hartanti, D., & Handayani, S. (2023). Pengaruh literasi dan perilaku keuangan terhadap kepuasan finansial karyawan industri manufaktur. Jurnal Innovation, 7(2), 112–120.
[4] Himawan, A., & Wiyanto, B. (2024). Pengaruh literasi keuangan dan sikap keuangan terhadap kepuasan finansial pengguna e-wallet di Jakarta. Jurnal Manajemen dan Keuangan, 9(1), 55–68.
[5] Indrawan, F., & Putra, D. (2022). Financial literacy, religiosity, and financial behavior of university students in Yogyakarta. Jurnal Ekonomi dan Bisnis Terapan, 10(3), 211–221.
[6] Joo, S., & Grable, J. E. (2004). An exploratory framework of the determinants of financial satisfaction. Journal of Family and Economic Issues, 25(1), 25–50. https://doi.org/10.1023/B:JEEI.0000016722.37994.9f
[7] Lusardi, A., & Mitchell, O. S. (2011). Financial literacy around the world: An overview. Journal of Pension Economics and Finance, 10(4), 497–508. https://doi.org/10.1017/S1474747211000448
[8] Maulidah, N., & Wulandari, S. (2023). The role of religiosity in moderating the relationship between financial literacy and financial well-being among young workers. Jurnal Ilmiah Ekonomi dan Keuangan Islam, 9(2), 78–90.
[9] Nurhaeni, I., & Digdowiseiso, K. (2023). Financial literacy and financial satisfaction among millennials: The moderating role of risk attitude. Jurnal Ekonomi dan Riset Sosial, 11(2), 88–97.
[10] OECD. (2018). OECD/INFE toolkit for measuring financial literacy and financial inclusion. OECD Publishing.
[11] Pratama, A., Saragih, E., & Sopiansah, D. (2023). Pengaruh literasi keuangan dan perilaku keuangan terhadap kepuasan finansial mahasiswa di Sumatera Barat. Oikos: Jurnal Ekonomi dan Bisnis, 7(3), 121–132.
[12] Prawitz, A. D., Garman, E. T., Sorhaindo, B., O’Neill, B., Kim, J., & Drentea, P. (2006). InCharge financial distress/financial well-being scale: Development, administration, and score interpretation. Financial Counseling and Planning, 17(1), 34–50.
[13] Rahmawati, D., & Prasetyo, A. (2023). Financial literacy, religiosity, and financial satisfaction among Gen Z in Indonesia. Asian Journal of Business and Management Research, 13(4), 66–75.
[14] Rohmah, L., & Rahmawati, I. (2024). Financial literacy, religiosity, and fintech use: Implications for financial satisfaction. Jurnal Manajemen Keuangan Modern, 6(1), 55–68.
[15] Sherraden, M. (2013). Building blocks of financial capability. Financial Literacy Center Working Paper Series, 13(1), 1–17.
[16] Stern, P. C., Dietz, T., Abel, T., Guagnano, G. A., & Kalof, L. (1999). A value-belief-norm theory of support for social movements: The case of environmentalism. Human Ecology Review, 6(2), 81–97.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Ronald E. Renoat, Yessi Susan Intan P.Benu, Babtista F.Manesat
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
