Analisis Literasi Keuangan, Financial Planning, dan Self-Efficacy terhadap Kesiapan Finansial Masa Depan dengan Gaya Hidup dan Kontrol Diri pada Generasi Z
Keywords:
Financial Readiness, Financial Planning, Financial Literacy, Self-Efficacy, Generation ZAbstract
This study aims to examine the influence of financial literacy, financial planning, and self-efficacy on the future financial readiness of Generation Z and to evaluate the role of lifestyle and self-control as mediating variables. This study was motivated by the increasing consumptive behavior and low financial planning capacity of the younger generation amid the development of the digital economy. The study used a quantitative approach with an explanatory design, and data were obtained through an online questionnaire involving 95 Generation Z respondents aged 18-27 years. Data analysis was performed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) to identify direct and indirect relationships between variables. The results show that financial planning has a significant effect on future financial readiness, while financial literacy and self-efficacy do not have a significant effect. In addition, lifestyle and self-control are not proven to play a mediating role. These findings confirm that financial readiness is more influenced by systematic financial planning than by knowledge or self-confidence, thus requiring a more practical approach to financial education for the younger generation.
Keywords: Financial Readiness, Financial Planning, Financial Literacy, Self-Efficacy, Generation Z
Abstrak
Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, perencanaan keuangan, dan self-efficacy terhadap kesiapan finansial masa depan Generasi Z serta mengevaluasi peran gaya hidup dan kontrol diri sebagai variabel mediasi. Kajian ini dilatarbelakangi oleh meningkatnya perilaku konsumtif dan rendahnya kapasitas perencanaan finansial generasi muda di tengah perkembangan ekonomi digital. Penelitian menggunakan pendekatan kuantitatif dengan desain explanatory, dan data diperoleh melalui kuesioner daring yang melibatkan 95 responden Generasi Z berusia 18-27 tahun. Analisis data dilakukan menggunakan Partial Least Squares-Structural Equation Modeling (PLS-SEM) untuk mengidentifikasi hubungan langsung maupun tidak langsung antar variabel. Hasil penelitian menunjukkan bahwa perencanaan keuangan berpengaruh signifikan terhadap kesiapan finansial masa depan, sementara literasi keuangan dan self-efficacy tidak memberikan pengaruh berarti. Selain itu, gaya hidup dan kontrol diri tidak terbukti berperan sebagai mediator. Temuan ini menegaskan bahwa kesiapan finansial lebih dipengaruhi oleh tindakan perencanaan keuangan yang sistematis daripada sekadar pengetahuan atau kepercayaan diri, sehingga diperlukan pendekatan edukasi keuangan yang lebih aplikatif bagi generasi muda.
Kata Kunci: Kesiapan Finansial, Perencanaan Keuangan, Literasi Keuangan, Efikasi Diri, Generasi Z
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