Pengaruh Literasi Keuangan dan Belanja Online Terhadap Pengelolaan Keuangan
Keywords:
Financial Literacy, Financial Management, Household, Online Shopping
Abstract
This study aims to analyze the influence of financial literacy and online shopping on financial management in household finances. The study used a quantitative approach with a sample of 101 respondents who actively shop online. The sampling technique used was purposive sampling with sample criteria in the form of individuals who are married and active in shopping online. This study contributes by providing guidance for households to improve financial literacy as a basis for managing income and expenses, including in utilizing online shopping platforms wisely. The results of testing and data analysis show that knowledge about finance and online shopping significantly affects financial management in household finances. Suggestions for further researchers are to expand the research sample to various regions with different socio-economic characteristics to obtain a more comprehensive picture. tudies are recommended to take a longitudinal approach to identify long-term trends regarding the influence of financial literacy and online shopping on household financial management
References
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Lusardi, A. (2019). Financial literacy and the need for financial education: evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1–8. https://doi.org/10.1186/s41937-019-0027-5
Lusardi, A., & Mitchell, O. S. (2013). The economic importance of financial literacy. Journal of
Economic Literature, 52(1), 65.
Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. In Journal of Pension Economics and Finance (Vol. 14, Nomor 4). https://doi.org/10.1017/S1474747215000232
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Mustikasari, A., & Septina, F. (2023). Pengaruh Literasi Keuangan, Impulsive Buying, Dan Pengendalian Diri Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Jurusan Akuntansi Universitas Ciputra. Jae (Jurnal Akuntansi Dan Ekonomi), 8(2), 48–54. https://doi.org/10.29407/jae.v8i2.20179
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Sari, N. R., & Listiadi, A. (2021). Pengaruh Literasi Keuangan , Pendidikan Keuangan di Keluarga , Uang Saku terhadap Perilaku Pengelolaan Keuangan dengan Financial Self- Efficacy sebagai Variabel Intervening. 9(1), 58–70.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif dan R & D. Alfabeta.
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. Bisnis & Birokrasi Journal, 23(3), 3–5. https://doi.org/10.20476/jbb.v23i3.9175
Zahra, D. R., & Anoraga, P. (2021). The Influence of Lifestyle, Financial Literacy, and Social Demographics on Consumptive Behavior. Journal of Asian Finance, Economics and Business, 8(2), 1033–1041. https://doi.org/10.13106/jafeb.2021.vol8.no2.1033
Aldisa, O., & Indriayu, M. (2024). Pengaruh Literasi Keuangan Dan Kemudahan Belanja Online Terhadap Pengelolaan Keuangan Pada Dosen FKIP Di Universitas Sebelas Maret. Jurnal Pendidikan Ekonomi (JUPE), 12(3).
Atkinson, A., & Messy, F.-A. (2012). Measuring financial literacy: results of the OECD infe pilot study. OECD Working Papers on Finance, Insurance and Private Pensions, 15(15), 1–73.
Aubram, T., Kovarova-simecek, M., & Wanzenried, G. (2016). Financial Literacy and Retirement Planning – A Comparative Study for Austria and Switzerland. 1–19.
Awaliyah, A. S., Iswiyanti, A. S., Rachmat, S. A., & Sidiq, A. F. (2023). Pengaruh Diskon Dan Kualitas Produk Terhadap Impulse Buying Konsumen Pada E-Commerce Tokopedia. Jurnal Manajemen dan Bisnis, 6(1), 22–46. https://doi.org/10.46975/ebp.v6i1.183
Bado, B., Hasan, M., Tahir, T., & Hasbiah, S. (2023). How do Financial Literacy, Financial Management Learning, Financial Attitudes and Financial Education in Families Affect Personal Financial Management in Generation Z? International Journal of Professional Business Review, 8(5), e02001. https://doi.org/10.26668/businessreview/2023.v8i5.2001
Bire, A. R., Sauw, H. M., & Maria, -. (2019). The effect of financial literacy towards financial inclusion through financial training. International journal of social sciences and humanities, 3(1), 186–192. https://doi.org/10.29332/ijssh.v3n1.280
Chaffey, D., & Chadwick, F. E. (2021). Digital Marketing : Strategy, Implementation and Practice
(5th ed.). Amazon.
Eldista, E., Sulistiyo, A. B., & Hisamuddin, N. (2020). Mental Accounting: Memaknai Kebahagiaan Dari Sisi Lain Gaya Hidup Mahasiswa Kos. Jurnal Akuntansi Universitas Jember, 17(2), 123. https://doi.org/10.19184/jauj.v17i2.15393
Farhani, H., Raihan, R., & Sekarini, R. A. (2022). Pola Konsumsi Generasi Milenial Dalam Belanja Online (E-Commerce) Pada Masa Pandemic Covid 19. Jurnal Ekonomi dan Bisnis, 4(1), 32–40. https://doi.org/10.34005/kinerja.v4i1.1700
Fitri, F. K., Agus Zul Bay, Fetni, & Perduti Lestari Rulimo. (2024). Implementasi Finansial Literasi Dan Finansial Teknologi Dalam Pengelolaan Keuangan Umkm Di Kabupaten Kolaka. Journal Publicuho, 7(2), 938–953. https://doi.org/10.35817/publicuho.v7i2.449
George, O. J., & O, E. L. (2015). Risk and Trust in Online Shopping : Experience from Nigeria.
International Journal of African and Asian Studies, 11, 71–78.
Gomes, F., Haliassos, M., & Ramadorai, T. (2021). Household Finance. Journal of Economic Literature, 59(3), 919–1000. https://doi.org/DOI: 10.1257/jel.20201461
Huang, Y., & Suo, L. (2021). Factors Affecting Chinese Consumers ’ Impulse Buying Decision
of Live Streaming E-Commerce. 17(5), 16–32. https://doi.org/10.5539/ass.v17n5p16 Jamali, H., Haeruddin, H., & Ahmad, I. (2023). Dampak Literasi Keuangan dan Sikap Keuangan
terhadap Perilaku Keuangan ( The Impact of Financial Literacy and Financial Attitude on Financial Behavior ). September.
Kahneman, D., & Tversky, A. (1979). Prospect Theory: An Analysis Of Decision Under Risk.
0100(3469), 263–291.
Kenale Sada, Y. M. V. (2022). Pengaruh Literasi Keuangan, Gaya Hidup dan Lingkungan Sosial Terhadap Perilaku Keuangan Mahasiswa. Jurnal Literasi Akuntansi, 2(2), 86–99. https://doi.org/10.55587/jla.v2i2.35
Khairat, U. (2024). Pengaruh Pengetahuan Keuangan Dan Kepribadian Terhadap Keputusan Investasi Melalui Perilaku Keuangan Pada UMKM Kota Padang. Jurnal Ekonomi, Akuntansi dan Manajemen, 2(2). https://doi.org/https://doi.org/10.30640/trending.v2i2.2221 Latifah, vania A., & Paramita, R. A. S. (2023). Pengaruh Literasi Keuangan, Kontrol Diri, dan Media Sosial Terhadap Perilaku Konsumtif Mahasiswa Ekonomi, Manajemen,. Jurnal Ilmiah Wahana Pendidikan, 9(25), 854–865.
Lusardi, A. (2015). Financial literacy: Do people know the ABCs of finance? Public Understanding of Science, 24(3), 260–271. https://doi.org/10.1177/0963662514564516
Lusardi, A. (2019). Financial literacy and the need for financial education: evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1–8. https://doi.org/10.1186/s41937-019-0027-5
Lusardi, A., & Mitchell, O. S. (2013). The economic importance of financial literacy. Journal of
Economic Literature, 52(1), 65.
Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. In Journal of Pension Economics and Finance (Vol. 14, Nomor 4). https://doi.org/10.1017/S1474747215000232
Maulamin, T., & As’ad, M. (2016). The Effect of Lifestyle and Level of Knowledge in Household Financial Management. International Journal of Science and Research. https://doi.org/https://doi.org/10.31227/osf.io/gdwvk
Mien, N. T. N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference), 10(5), 1–16.
Mukhlisiah, R. (2023). Pengaruh Pendidikan , Gaya Hidup , Literasi Keuangan Terhadap Pengelolaan Keuangan Dosen Muda Di Jabodetabek. Indonesian Journal Accounting, 4(1), 67–78.
Mustikasari, A., & Septina, F. (2023). Pengaruh Literasi Keuangan, Impulsive Buying, Dan Pengendalian Diri Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Jurusan Akuntansi Universitas Ciputra. Jae (Jurnal Akuntansi Dan Ekonomi), 8(2), 48–54. https://doi.org/10.29407/jae.v8i2.20179
Novitasari, A. (2022). Pengaruh Literasi Keuangan Dan Gaya Hidup Ibu Rumah Tangga Terhadap Pengelolaan Keuangan Keluarga Di Desa Bulusari. Jurnal Economina, 1(2), 386–406. https://doi.org/10.55681/economina.v1i2.70
Nurdiansari, R., & Sriwahyuni, A. (2020). Pengaruh pengelolaan keuangan terhadap keharmonisan rumah tangga. Jurnal Aktiva : Riset Akuntansi Dan Keuangan, 2(1), 27–34.
OECD. (2022). OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion 2022. OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion 2022. https://doi.org/10.1787/cbc4114f-en
Pandey, K. (2016). Financial Management. Laxmi Book Publication.
Purniawati, R. T., & Lutfi, L. (2019). Literasi keuangan dan pengelolaan keuangan keluarga dalam perspektif budaya Jawa dan Bugis. Journal of Business & Banking, 7(1), 31–46. https://doi.org/10.14414/jbb.v7i1.963
Rachmawati, I. R., Kurniawati, F., & Kurniawan, M. A. (2023). Aksesibilitas Belanja Online di Era Society 5.0 (Studi Kasus: Mahasiswa Jurusan Akuntansi Syariah). Jurnal Sahmiyya, 2(1), 150–157.
Rafi Satria Priyambada, Nanda Areliya Ramadani, & Andhita Risko Faristiana. (2023).
Perubahan Budaya Ibu Rumah Tangga Pasca Maraknya E-Commerce Di Indonesia. SIMPATI: Jurnal Penelitian Pendidikan dan Bahasa, 1(3), 72–85. https://doi.org/10.59024/simpati.v1i3.222
Rahayu, N. K. D. S., & Meitriana, M. A. (2024). Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Prodi Pendidikan Ekonomi Undiksha. Ekuitas: Jurnal Pendidikan Ekonomi, 11(2), 219–225. https://doi.org/10.23887/ekuitas.v11i2.65999
Ridzwan, N., Mohd, S., Rasyidah, W., Nawang, W., Hamid, H. A., Hamidaton, U., & Soffian, M. (2023). Compulsive Online Shopping , Spending Habits , And Locus of Control on Financial Vulnerability Among Malaysians Compulsive Online Shopping , Spending Habits
, And Locus of Control on Financial Vulnerability Among Malaysians. Journal of Consumer and Family Economics, 31(December). https://doi.org/10.60016/majcafe.v31.07
Rosita. (2018). Pengaruh Gaya Hidup Konsumtif Belanja Online Terhadap Perilaku Pengelolaan Keuangan Masyarakat Di Desa Lampuawa Kecamatan Sukamaju.
Sari, N. R., & Listiadi, A. (2021). Pengaruh Literasi Keuangan , Pendidikan Keuangan di Keluarga , Uang Saku terhadap Perilaku Pengelolaan Keuangan dengan Financial Self- Efficacy sebagai Variabel Intervening. 9(1), 58–70.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif dan R & D. Alfabeta.
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. Bisnis & Birokrasi Journal, 23(3), 3–5. https://doi.org/10.20476/jbb.v23i3.9175
Zahra, D. R., & Anoraga, P. (2021). The Influence of Lifestyle, Financial Literacy, and Social Demographics on Consumptive Behavior. Journal of Asian Finance, Economics and Business, 8(2), 1033–1041. https://doi.org/10.13106/jafeb.2021.vol8.no2.1033
