Self-Concept, Online Shopping, and Financial Literacy: The Mediating Role of Lifestyle
DOI:
https://doi.org/10.38035/jpsn.v4i3.709Keywords:
Financial Literacy, Self-Concept, Online Shopping, Lifestyle, Adolescents, Digital ConsumptionAbstract
Abstrak: Penelitian ini bertujuan menganalisis pengaruh konsep diri dan perilaku belanja daring terhadap literasi keuangan dengan gaya hidup sebagai variabel mediasi pada siswa SMP YPPK Kristus Raja Dok V Jayapura, Papua, Indonesia. Penelitian ini dilatarbelakangi oleh meningkatnya paparan remaja terhadap aktivitas konsumsi digital serta pentingnya literasi keuangan dalam mendukung pengambilan keputusan keuangan yang bertanggung jawab. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan melibatkan 82 siswa yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner terstruktur yang mengukur konsep diri, perilaku belanja daring, gaya hidup, dan literasi keuangan. Analisis data dilakukan menggunakan statistik deskriptif, uji validitas dan reliabilitas, korelasi Pearson, regresi linear berganda, serta analisis mediasi dengan bantuan IBM SPSS Statistics. Hasil penelitian menunjukkan bahwa konsep diri dan perilaku belanja daring berpengaruh signifikan terhadap literasi keuangan. Selain itu, kedua variabel tersebut juga berpengaruh signifikan terhadap gaya hidup, sementara gaya hidup terbukti menjadi prediktor terkuat literasi keuangan. Analisis mediasi menunjukkan bahwa gaya hidup memediasi secara parsial hubungan antara konsep diri dan perilaku belanja daring dengan literasi keuangan. Temuan ini menegaskan bahwa literasi keuangan remaja dipengaruhi tidak hanya oleh pengetahuan keuangan, tetapi juga oleh karakteristik psikologis, pengalaman konsumsi digital, dan pola gaya hidup sehari-hari. Penelitian ini memberikan implikasi praktis bagi sekolah, keluarga, dan pembuat kebijakan dalam merancang program pendidikan literasi keuangan yang komprehensif di era digital.
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