Digital Financial Literacy dan Financial Stress and Hardship: Analisis Mediasi Positive Financial Behavior Using Digital Finance terhadap Financial Well-Being pada Pasangan Muda Muslim yang Menikah di Tangerang
DOI:
https://doi.org/10.29407/0m3pgw51Keywords:
Digital Financial Literacy, Financial Well-Being, Financial Stress and Hardship, Positive Financial Behavior Using Digital FinanceAbstract
This study aims to determine and analyze Digital Financial Literacy and Financial Stress and Hardship: Mediation Analysis of Positive Financial Behavior Using Digital Finance on Financial Well-Being in Young Muslim Married Couples in Tangerang. This type of research uses quantitative with a causality approach using primary data in the form of questionnaires as a source of data collection. This study used Random Sampling of Young Muslim Married Couples in Tangerang with a total of 100 respondents. The data analysis technique used is SEM (Structural Equation Modeling) with the help of SmartPLS software version 4. The results showed that 1) DFL has no positive effect on FWB. 2) DFL has no positive effect on PFBUDF. 3) FSH has no positive effect on PFBUDF. 4) FSH has a positive effect on FWB. 5) PFBUDF has a positive effect on FWB. 6) PFBUDF does not play a significant role in mediating DFL and FWB. 7) PFBUDF plays a significant role in mediating FSH and FWB.
References
Abdurrahman, A., & Adi, D. (2024). The role of digital financial literacy on financial well-being with financial technology , financial confidence , financial behavior as intervening and sociodemography as moderation. 27(2), 191–220.
Adolph, R. (2016). Landasan Teori. 1–23.
Agung Dharmawan Buchdadi, Destria Kurnianti, A. (2023). Pengaruh Literasi Keuangan, Stress Keuangan, dan Toleransi Risiko terhadap Kepuasan Keuangan Generasi Milenial di Jakarta Pengguna Dompet Digital. Journal of Management, Economic and Accounting (JMEA), 2(2), 15–28. https://doi.org/10.51178/jmea.v2i2.1322
Ajzen, I. (2020). The theory of planned behavior: Frequently asked questions. Human Behavior and Emerging Technologies, 2(4), 314–324. https://doi.org/10.1002/hbe2.195
Ali, M. Z., & Asyik, N. F. (2023). Pengaruh pendapatan dan literasi keuangan terhadap perilaku keuangan dengan gaya hidup sebagai variabel pemoderasi. Jurnal Ilmiah Akuntansi Dan Keuangan (JIAKu), 2(4), 326–339. https://doi.org/10.24034/jiaku.v2i4.6136
Ali, Z. (2023). Theory of planned behavior dan Stigma Publik sebagai Prediktor Perilaku Mencari Bantuan. Jurnal Ilmiah Psikologi Candrajiwa, 8(2), 63. https://doi.org/10.20961/jip.v8i2.55664
Alliance for Financial Inclusion. (2021). Digital Financial Literacy: Guideline Note. 45, 1–24. https://www.afi-global.org/publications/digital-financial-literacy/
ASSYAROFI, M. R. (2023). PENGARUH FINANCIAL LITERACY, FINANCIAL TECHNOLOGY (FINTECH), FINANCIAL STRESS, LIFESTYLE, DAN LOCUS OF CONTROL TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA MAHASISWA DI SOLO RAYA MAHASISWA.
Bai, R. (2023). Impact of financial literacy , mental budgeting and self control on financial wellbeing : Mediating impact of investment decision making. 1–18. https://doi.org/10.1371/journal.pone.0294466
Chavali, K., RAJ, P. M., & AHMED, R. (2021). Does Financial Behavior Influence Financial Well-being? Journal of Asian Finance, Economics and Business, 8(2), 273–280. https://doi.org/10.13106/jafeb.2021.vol8.no2.0273
Choung, Y., Chatterjee, S., & Pak, T. Y. (2023). Digital financial literacy and financial well-being. Finance Research Letters, 58(PB), 104438. https://doi.org/10.1016/j.frl.2023.104438
Dede Sri Rahayu, G. N. dan M. R. M. O. (2024). JIMEA | Jurnal Ilmiah MEA ( Manajemen , Ekonomi , dan Akuntansi ) PERILAKU KEUANGAN MAHASISWA DI KABUPATEN JIMEA | Jurnal Ilmiah MEA ( Manajemen , Ekonomi , dan Akuntansi ). 3032–3048.
Dian Widiyati, E. (2024). PENGARUH LITERASI KEUANGAN , PERLINDUNGAN DATA , DAN CYBERSECURITY TERHADAP PENGGUNAAN FINANCIAL TECHNOLOGY. https://doi.org/10.29407/jae.v9i1.21945
Eva Oktavinia, Roseline Mannuela Anwarb, Rita Amelindac, F. C. S. M. (2024). Analisis dan dampak perilaku keuangan terhadap tekanan finansial mahasiswa. 19, 1–14.
Faradila, D., & Rafik, A. (2022). Pengaruh Literasi Keuangan terhadap Perilaku Keuangan dan Intensi Meminjam dari Pinjaman Online / P2P Lending pada Mahasiswa Universitas Islam Indonesia. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, 02(03), 63–76. https://journal.uii.ac.id/selma/index
Guan, N., Guariglia, A., Moore, P., Xu, F., & Al-Janabi, H. (2022). Financial stress and depression in adults: A systematic review. PLoS ONE, 17(2 Febuary), 1–20. https://doi.org/10.1371/journal.pone.0264041
Instrument, T. S. (2024). digital financial literacy | Mendeley. 1–2. https://www.mendeley.com/search/?page=1&publicationType=journal&publicationYear=2022%7C2021%7C2020%7C2019%7C2018%7C2013%7C2014%7C2015%7C2016%7C2017&query=digital financial literacy&sortBy=relevance
Kusumahadi, T. A., Utami, N., & Sitanggang, M. L. (2024). Edukasi literasi keuangan , pengenalan investasi , dan teknologi finansial pada generasi muda. 8, 1470–1480.
Layyinah, K., Sunariyah, A., Hipni, M., Mawardi, I., & Madura, U. T. (2024). Problematika pernikahan dini terhadap kesejahteraan ekonomi keluarga dalam pespektif ekonomi syariah. 5, 269–284.
Lestari, A. I., Simanungkalit, N. A., & Sanjaya, R. (2024). Pengaruh Financial Tecnology terhadap Manajemen Keuangan Generasi Z. 4, 82–89.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
Mishra, D., Agarwal, N., Sharahiley, S., & Kandpal, V. (2024). Digital Financial Literacy and Its Impact on Financial Decision-Making of Women: Evidence from India. Journal of Risk and Financial Management, 17(10). https://doi.org/10.3390/jrfm17100468
Mursalim, Andi Ririn Oktaviani, A. (2024). Pengaruh literasi keuangan, fintech digital payment, dan gaya hidup terhadap perilaku konsutif mahasiswa di kota makassar. 6(2), 76–90.
Netemeyer. (2018). How am i doing? perceived financial Wwll-being, its potential antecedents, and its relation to overall well-being. Grou, 23529(2), 1–45.
Nurkholik, A. (2024). Does Financial Literacy Have A Role on Financial Behavior in The Digital Context ? 3.
Rahayu, R., Ali, S., Aulia, A., & Hidayah, R. (2022). The Current Digital Financial Literacy and Financial Behavior in Indonesian Millennial Generation. Journal of Accounting and Investment, 23(1), 78–94. https://doi.org/10.18196/jai.v23i1.13205
Ramadhania, K. (2023). PENGARUH LITERASI KEUANGAN TERHADAPKESEJAHTERAAN FINANSIAL DENGAN PERILAKUKEUANGAN SEBAGAI VARIABEL MEDIASI DANGENDERSEBAGAI VARIABEL MODERASI (STUDI KASUS PADA USIA PRODUKTIF DI KOTA BANDUNG). Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi), 5(3), 494–512.
Rinofah, P. P. S. dan R. (2019). PENGARUH FINANCIAL TECHNOLOGY TERHADAP. 27(2), 134–146.
Salsabila, N. P., Basalamah, M. R., & Rahmawati. (2019). Pengaruh Financial Technology, Literasi Keuangan Dan Gender Terhadap PerilakuKeuangan Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Islam Malang. 12(02), 1025–1033.
Seldal, M. M. N., & Nyhus, E. K. (2022). Financial Vulnerability , Financial Literacy , and the Use of Digital Payment Technologies. 1, 281–306. https://doi.org/10.1007/s10603-022-09512-9
Sri, W. (2022). FINANCIAL BEHAVIOUR DAN FINANCIAL STRESS TERHADAP TENDENSI TERJERAT PINJAMAN ONLINE (PINJOL) PADA WANITA PEKERJA DI PERKOTAAN. 00(00), 1–8.
Stolper, O. A., & Walter, A. (2017). Financial literacy, financial advice, and financial behavior. Journal of Business Economics, 87(5), 581–643. https://doi.org/10.1007/s11573-017-0853-9
Syafitri, A. A. (2024). Literasi Keuangan Sebagai Usaha Untuk Mencapai Financial Well Being: Sebuah Perspektif dari Generasi Z. Dialektika : Jurnal Ekonomi Dan Ilmu Sosial, 9(1), 136–148. https://doi.org/10.36636/dialektika.v9i1.3975
Wahyuni, Radiman, L. (2024). Bursa : Jurnal Ekonomi dan Bisnis. 3(3).
Wahyuni, H., Elgeka, S., Querry, G., Psikologi, F., & Surabaya, U. (2021). Peran money attitudes terhadap financial well-being dengan financial stress sebagai mediator pada mahasiswa rantau di Surabaya. 09(01), 75–83. https://doi.org/10.22219/jipt.v9i1.13906
Xiao, J. J., & Porto, N. (2017). Financial education and financial satisfaction: Financial literacy, behavior, and capability as mediators. International Journal of Bank Marketing, 35(5), 805–817. https://doi.org/10.1108/IJBM-01-2016-0009
Zhang, Y., & Chatterjee, S. (2023). Financial Well-Being in the United States: The Roles of Financial Literacy and Financial Stress. Sustainability (Switzerland), 15(5). https://doi.org/10.3390/su15054505
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Aziizah Nur Pratiwi, Andi Amri
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Copyright on any article is retained by the author(s).
- The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
- The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License
