Pengaruh Digital Payment Dan Literasi Keuangan Terhadap Perilaku Keuangan Masyarakat Di Kecamatan Kota Kefamenanu

Natalia Lily; Emilia Khristina Kiha; Yuventus Bere; Felisisima Afoan

doi:10.32938/jep.v8i01.10957

Authors

Natalia Lily Universitas Timor
Emilia Khristina Kiha Universitas Timor
Yuventus Bere Universitas Timor
Felisisima Afoan Universitas Timor

DOI:

https://doi.org/10.32938/jep.v8i01.10957

Keywords:

Digital Payment, literasi keuangan mahasiswa, Perilaku Keuangan

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh digital payment dan literasi keuangan terhadap perilaku keuangan masyarakat di Kecamatan Kota Kefamenanu. Perkembangan teknologi finansial telah mendorong perubahan pola transaksi masyarakat menuju sistem non-tunai yang lebih praktis dan efisien. Namun, kemudahan tersebut berpotensi memicu perilaku konsumtif apabila tidak diimbangi dengan literasi keuangan yang memadai. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik purposive sampling terhadap 100 responden. Analisis data menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa digital payment berpengaruh signifikan terhadap perilaku keuangan masyarakat, literasi keuangan juga berpengaruh positif dan signifikan, serta secara simultan kedua variabel berpengaruh terhadap perilaku keuangan.

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