Pengaruh Literasi dan Inklusi Keuangan terhadap Doom spending Generasi Z di Jakarta dengan Moderasi Pendapatan
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Abstract
Fenomena doom spending atau pengeluaran konsumtif yang dipicu oleh stres, ketidakpastian, dan tekanan emosional semakin marak di kalangan Generasi Z, khususnya di wilayah perkotaan seperti Jakarta. Generasi ini dikenal cepat beradaptasi terhadap teknologi dan layanan keuangan digital, turut menikmati kemudahan dalam mengakses berbagai instrumen keuangan. Namun, di sisi lain, mereka juga menghadapi tantangan dalam mengelola perilaku keuangan secara rasional di tengah paparan media sosial dan kemudahan akses terhadap fasilitas finansial. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan inklusi keuangan terhadap perilaku doom spending Generasi Z di Jakarta, serta menguji peran pendapatan sebagai variabel moderasi. Metode yang digunakan adalah pendekatan kuantitatif melalui survei kuesioner online terhadap 100 responden, serta analisis data menggunakan Structural Equation Modeling Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa literasi dan inklusi keuangan berpengaruh positif dan signifikan terhadap doom spending. Pendapatan berperan sebagai moderator yang memperkuat pengaruh literasi keuangan dan melemahkan pengaruh inklusi keuangan terhadap perilaku doom spending.
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