Fear of Missing Out dan Financial Well-Being Generasi Z Pengguna Live Shopping: Mediasi Impulsive Financial Behavior dan Moderasi Financial Literacy
DOI:
https://doi.org/10.65244/jggeconomic.v2i3.1211Keywords:
Fear of Missing Out, Impulsive Financial Behavior, Financial Well-Being, Financial Literacy, Live ShoppingAbstract
Kajian pembelian impulsif belum banyak mengaitkan proses psikologis dengan dampak finansialnya. Penelitian ini bertujuan menguji pengaruh Fear of Missing Out terhadap Financial Well-Being melalui Impulsive Financial Behavior serta peran Financial Literacy sebagai variabel moderasi pada Generasi Z pengguna live shopping TikTok Shop dan Shopee Live di Indonesia. Penelitian menggunakan pendekatan kuantitatif dengan data primer dari kuesioner daring berskala Likert 1–5 yang diisi oleh 200 responden yang dipilih melalui purposive sampling. Data dianalisis dengan Partial Least Squares Structural Equation Modeling menggunakan SmartPLS 4. Hasil menunjukkan bahwa Fear of Missing Out berpengaruh positif dan signifikan terhadap Impulsive Financial Behavior (β = 0,674), sedangkan Impulsive Financial Behavior (β = −0,290) dan Fear of Missing Out (β = −0,449) berpengaruh negatif dan signifikan terhadap Financial Well-Being. Impulsive Financial Behavior memediasi secara parsial pengaruh Fear of Missing Out terhadap Financial Well-Being (β = −0,195), dan Financial Literacy memoderasi hubungan Impulsive Financial Behavior dengan Financial Well-Being melalui efek penyangga (β = 0,329). Temuan ini menegaskan pentingnya pengendalian diri, literasi keuangan, dan desain platform yang bertanggung jawab bagi konsumen muda.
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