Peran Penyerapan Literasi Keuangan Terhadap Kesejahteraan Keuangan Generasi Milenial pada Masa Pandemi Covid-19

Parulian Parulian, Emmelia Tan


Pandemi COVID-19 menekan pertumbuhan ekonomi Indonesia termasuk mempengaruhi keuangan generasi milenial pekerja. Literasi keuangan yang baik akan membantu individu terhindar dari masalah keuangan, terutama selama pandemi COVID-19. Literasi keuangan dapat memfasilitasi individu untuk mengelola pendapatannya dengan baik bahkan dalam situasi pandemi COVID-19. Penelitian ini bertujuan untuk menganalisis bagaimana literasi keuangan membantu dalam kondisi pandemi COVID-19. Penelitian ini mengambil sampel sebanyak 100 responden dari generasi milenial. Penelitian ini menggunakan analisis partial least square (PLS) dengan SmartPLS. Hasil penelitian menunjukkan bahwa variabel sikap keuangan dan perilaku keuangan masa lampau berpengaruh positif terhadap literasi keuangan di masa krisis, namun variabel sikap keuangan dan perilaku keuangan masa lampau tidak ditemukan berpengaruh terhadap kesejahteraan finansial secara langsung. Implikasi dari penelitian ini adalah kemampuan literasi keuangan dari kesadaran sikap dan perilaku keuangan.

Covid-19 Pandemic have a worse impact on Indonesia economy, inevitable financial condition among millennial working generations. Having good financial literacy can avoid financial problems/distress, especially during the covid-19 pandemic. Financial literacy can enhance an individual to manage their income well, even in a worse situation. This study aims to analyze how the implementation of financial literacy helps individuals during the covid-19 pandemic. The sample study is 100 individuals from the millennial generation. This study uses PLS (partial least square) method to analyze the data by using SmartPLS. The results show that past financial attitude and past financial behavior significantly influence financial literacy under challenging times. Meanwhile, the variable of past financial attitude and financial behavior has not directly affected financial well-being. The implication of this study is financial literacy from the awareness of financial attitude and financial behavior.


penyerapan literasi keuangan; sikap keuangan; perilaku keuangan; kesejahteraan finansial


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