Mengelola Tekanan Keuangan: Pengaruh Financial Stress terhadap Financial Behavior melalui Financial Well-Being pada Generasi Z

Roseline Roseline, Deva Djohan, Loly Loly, Kuandi Chandra

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Tekanan keuangan dan tingkat kesejahteraan finansial merupakan faktor penting yang memengaruhi perilaku keuangan individu, khususnya pada Generasi Z yang dihadapkan pada ketidakpastian ekonomi, tuntutan kemandirian finansial, serta dinamika gaya hidup modern. Kondisi tekanan keuangan yang dialami kelompok ini berpotensi memengaruhi kemampuan individu dalam merencanakan, mengelola, dan mengambil keputusan keuangan secara rasional. Penelitian ini bertujuan untuk menganalisis pengaruh financial stress terhadap financial behavior dengan financial well-being sebagai variabel mediasi pada Generasi Z di Kota Binjai. Populasi penelitian mencakup seluruh Generasi Z yang berdomisili di Kota Binjai, dengan sampel sebanyak 78 responden yang dipilih menggunakan teknik purposive sampling berdasarkan kriteria usia, domisili, dan pengalaman pengelolaan keuangan pribadi. Penelitian ini menggunakan pendekatan kuantitatif melalui metode survei dengan pengumpulan data primer menggunakan kuesioner terstruktur. Data dianalisis menggunakan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM) untuk menguji hubungan antarvariabel dalam model penelitian. Hasil penelitian menunjukkan bahwa financial stress berpengaruh signifikan terhadap financial behavior, sementara financial well-being berperan sebagai variabel mediasi yang menjelaskan hubungan tersebut. Temuan ini mengindikasikan bahwa tingkat kesejahteraan finansial yang lebih baik memungkinkan individu mengelola tekanan keuangan secara lebih adaptif, sehingga mendorong terbentuknya perilaku keuangan yang lebih rasional. Penelitian ini berkontribusi dalam memperkaya kajian keuangan perilaku dengan menegaskan peran strategis kesejahteraan finansial dalam menjembatani pengaruh tekanan keuangan terhadap perilaku keuangan Generasi Z, serta memberikan implikasi praktis bagi perumusan program edukasi dan kebijakan keuangan yang berorientasi pada penguatan kesejahteraan finansial generasi muda.

Kata Kunci: Financial Stress, Financial Well-Being, Financial Behavior, Generasi Z


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Referensi


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DOI: https://doi.org/10.37531/yume.v9i1.11212

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