LITERASI KEUANGAN DAN DAMPAKNYA TERHADAP PERILAKU KEUANGAN MAHASISWA: TINJAUAN LITERATUR
Abstract
Penelitian ini bertujuan untuk mengkaji dan mendalami mengenai literasi keuangan dan juga untuk melihat bagaimana dampaknya kepada perilaku keuangan mahasiswa dalam mengelola keuangan pribadinya. Penelitian ini mengunakan metode studi tinjauan dengan Pendekatan Literatur Review 9 Jurnal Artikel Ilmiah, ditemukan bahwa Literasi Keuangan memiliki pengaruh dan berdampak terhadap Perilaku keuangan mahasiswa, karena semakin baik pemahaman akan mengenai keuangan, maka mahasiswa tersebut akan tecermin dari cara mengelola dan mengatur keuangan pribadinya, termasuk dalam penggunaan pembayaran digital, dan menurut Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2022. Generasi Z memiliki presentasi literasi keuangan sebesar 47,88% dan generasi milenial sebesar 52,12%. Berdasarkan gender, perempuan memiliki indeks financial literacy sebesar 50, 33% lebih tinggi dibandingkan laki-laki sebesar 49.05%. Artinya bahwa generasi milenial memiliki kemampuan pengelolaan lebih baik dibandingkan generasi Z.
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