Analisis Literasi Keuangan Terhadap Disrupsi Perilaku Keuangan yang Dimoderasi oleh Pekerjaan Orang Tua pada Mahasiswa FEB Unismuh Makassar
DOI:
https://doi.org/10.56750/csej.v7i4.1026Keywords:
Literasi keuangan, Mahasiswa, Disrupsi perilaku keuangan, Pekerjaan orang tua, Teknologi finansialAbstract
Penelitian ini menganalisis pengaruh literasi keuangan terhadap disrupsi perilaku keuangan dengan moderasi pekerjaan orang tua pada mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Makassar. Literasi keuangan merupakan faktor penting dalam pengelolaan keuangan individu, terutama dalam menghadapi perkembangan teknologi finansial seperti e-wallet dan layanan Paylater. Studi ini menggunakan metode kuantitatif dengan pendekatan explanatory research. Data dikumpulkan melalui kuesioner yang dibagikan kepada 348 mahasiswa aktif yang dipilih dengan teknik sampling Slovin. Analisis data dilakukan menggunakan Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap disrupsi perilaku keuangan mahasiswa. Namun, pekerjaan orang tua tidak memoderasi hubungan antara literasi keuangan dan disrupsi perilaku keuangan. Hal ini mengindikasikan bahwa meskipun pekerjaan orang tua dapat mencerminkan nilai ekonomi, pengaruhnya tidak cukup kuat dalam memperkuat hubungan tersebut. Temuan ini menegaskan perlunya peningkatan pendidikan literasi keuangan dalam lingkungan akademik agar mahasiswa lebih siap menghadapi tantangan finansial di era digital.References
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