JIHAN SALSABILA KHAIRUNNISA, . (2025) FINANCIAL LITERACY DAN USAGE OF E-PAYMENT: PERAN SPENDING BEHAVIOR TERHADAP FINANCIAL WELL-BEING PADA YOUNG ADULTS. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.
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Abstract
Penelitian ini bertujuan untuk mengkaji pengaruh financial literacy dan usage of e-payment terhadap financial well-being, dengan spending behavior sebagai variabel mediasi pada kelompok young adults di wilayah Jabodetabek. Financial literacy dalam studi ini mencakup aspek pengetahuan, sikap, dan perilaku finansial, sementara usage of e-payment dianalisis dari frekuensi, jenis transaksi, kemudahan, dan manfaat yang dirasakan. Spending behavior dibedakan menjadi perilaku pengeluaran yang bertanggung jawab dan tidak bertanggung jawab, yang berperan dalam menjembatani hubungan antara literasi keuangan dan kesejahteraan finansial. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner online, dan dianalisis menggunakan teknik Structural Equation Modeling (SEM). Hasil penelitian menunjukkan bahwa financial literacy dan usage of e-payment berpengaruh positif dan signifikan terhadap financial well-being, baik secara langsung maupun melalui spending behavior sebagai mediator. Kata Kunci: financial literacy, financial well-being, spending behavior, usage of e-payment, young adults ***** This study aims to examine the influence of financial literacy and usage of e-payment on financial well-being, with spending behavior as a mediating variable among young adults in the Jabodetabek area. Financial literacy in this study includes aspects of financial knowledge, attitude, and behavior, while usage of e-payment is analyzed based on frequency, types of transactions, convenience, and perceived benefits. Spending behavior is categorized into responsible and irresponsible spending, which serves to bridge the relationship between financial literacy and financial well-being. This research employs a quantitative approach using a survey method through an online questionnaire, and is analyzed using Structural Equation Modeling (SEM) techniques. The results show that financial literacy and usage of e-payment have a positive and significant effect on financial well-being, both directly and through spending behavior as a mediator. Keywords: financial literacy, financial well-being, spending behavior, usage of e-payment, young adults
| Item Type: | Thesis (Sarjana) |
|---|---|
| Additional Information: | 1). Prof. Dr. Umi Widyastuti, S.E., M.E. ; 2). Diena Noviarini, M.M.Si. |
| Subjects: | Ilmu Sosial > Keuangan Manajemen > Perilaku Konsumen |
| Divisions: | FE > S1 Bisnis Digital |
| Depositing User: | Jihan Salsabila Khairunnisa . |
| Date Deposited: | 14 Aug 2025 15:32 |
| Last Modified: | 14 Aug 2025 15:32 |
| URI: | http://repository.unj.ac.id/id/eprint/60922 |
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