Pengaruh Literasi Keuangan dan E-Money Terhadap Perilaku Konsumtif Pada Masyarakat Provinsi Bengkulu
DOI:
https://doi.org/10.65244/jggeconomic.v2i3.1146Keywords:
literasi keuangan, e-money, perilaku konsumtif, PLS, Provinsi BengkuluAbstract
Perkembangan transaksi digital di Indonesia mendorong masyarakat semakin bergantung pada uang elektronik (e-money) sebagai alat pembayaran, sebuah kondisi yang berpotensi memengaruhi pola konsumsi jika tidak diimbangi dengan literasi keuangan yang memadai. Penelitian ini bertujuan menganalisis pengaruh literasi keuangan dan penggunaan e-money terhadap perilaku konsumtif masyarakat Provinsi Bengkulu. Penelitian menggunakan pendekatan kuantitatif dengan melibatkan 100 responden yang dipilih melalui teknik purposive sampling, yaitu masyarakat berusia 17–50 tahun yang berdomisili di Provinsi Bengkulu, memiliki akun aktif e-money, serta memahami dasar-dasar pengelolaan keuangan pribadi. Data dianalisis menggunakan metode Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap perilaku konsumtif, sementara penggunaan e-money tidak terbukti berpengaruh signifikan. Nilai R² sebesar 0,068 mengindikasikan bahwa kedua variabel hanya mampu menjelaskan 6,8% variasi perilaku konsumtif, sedangkan sisanya dipengaruhi oleh faktor lain di luar model. Temuan ini mengindikasikan bahwa pemahaman finansial yang baik tidak selalu diikuti oleh pengendalian diri dalam berbelanja, sehingga literasi keuangan perlu diiringi kesadaran dan disiplin dalam mengelola keuangan agar tidak memicu konsumsi berlebihan.
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