Pengaruh Financial Literacy, Financial Technology Literacy, dan Financial Anxiety terhadap Individual Financial Well-Being Karyawan Generasi Z
DOI:
https://doi.org/10.31004/green.v4i4.987Keywords:
kecemasan finansial, kesejahteraan finansial, literasi keuangan, literasi keuangan digital, Generasi ZAbstract
Kemudahan mengakses layanan keuangan digital belum tentu diikuti kemampuan mengelola uang dan rasa aman secara finansial. Penelitian ini menganalisis hubungan financial literacy, financial technology literacy, dan financial anxiety dengan individual financial well-being pada karyawan Generasi Z CV. Depirtn di Pulau Lombok. Survei kuantitatif dilakukan menggunakan kuesioner berskala Likert lima tingkat terhadap 94 responden. Sampel dinyatakan dipilih melalui simple random sampling; data dianalisis dengan regresi linear berganda. Hasilnya menunjukkan financial literacy (B = 0,418; p < 0,001) dan financial technology literacy (B = 0,360; p < 0,001) berasosiasi positif dan signifikan dengan kesejahteraan finansial, sedangkan financial anxiety (B = −0,072; p = 0,014) berasosiasi negatif dan signifikan. Uji simultan menghasilkan F = 76,853 (p < 0,001), dengan adjusted R² sebesar 0,710. Financial literacy memiliki koefisien beta terstandarisasi terbesar (β = 0,446). Temuan ini menggarisbawahi pentingnya kemampuan keuangan sehari-hari, kecakapan menggunakan layanan digital, dan pengelolaan kecemasan finansial bagi pekerja muda. Perusahaan dapat mempertimbangkan edukasi anggaran, utang, keamanan transaksi, dan dana darurat yang relevan dengan kebutuhan karyawan.
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