Effect of Digital Financial Literacy on Future Orientation: Financial Management, Spending and Saving Decision
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ABSTRACT
Through a case study of Gen Z in Palopo City, this study seeks to investigate how digital financial literacy affects future orientation, which in turn influences financial management decisions about saving and spending. Gen Z is the source of data for this study; 100 respondents were gathered online. This reasearch used Structural equation modelling (SEM) methodology. The study found substantial impact of digital financial literacy on financial management, future orientation, spending, and saving decisions. Implication of this research is the urge to cultivating digital financial literacy that can influence financial orientation and management. The higher digital financial literacy of Gen Z of Palopo City leads to positive impacts of Palopo City's ecomony.
Keywords: Digital Financial Literacy, Financial Management, Saving Decision, Spending Decision, Financial Behavior
ABSTRAK
Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan digital terhadap orientasi masa depan yang kemudian memengaruhi manajemen keuangan berupa keputusan membelanjakan dan keputusan menabung (studi kasus Gen Z di Kota Palopo). Sumber data penetian ini adalah Gen Z yang diperoleh secara online berupa 100 orang responden. Metode penelitian ini adalah structural equation modelling (SEM). Hasil dari penelitian ini menunjukkan bahwa literasi keuangan digital berpengaruh signifikan terhadap orientasi masa depan, manajemen keuangan, keputusan membelanjakan, dan keputusan menabung. Implikasi penelitian ini adalah pentingnya menumbuhkan literasi keuangan digital yang memengaruhi pandangan dan manajemen keuangan seseorang. Tingginya literasi keuangan digital pada Gen Z di Kota Palopo akan memberikan pengaruh positif pada ekonomi khususnya di Kota Palopo.
Kata kunci: Literasi Keuangan Digital, Manajemen Keuangan, Keputusan Menabung, Keputusan Membelanjakan, Perilaku Keuangan
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