PENGARUH LITERASI KEUANGAN DIGITAL DAN GAYA HIDUP KONSUMTIF TERHADAP PENGELOLAAN KEUANGAN PRIBADI DENGAN SELF-CONTROL SEBAGAI VARIABEL MEDIASI

Serlitha Desy Rismawati, . (2025) PENGARUH LITERASI KEUANGAN DIGITAL DAN GAYA HIDUP KONSUMTIF TERHADAP PENGELOLAAN KEUANGAN PRIBADI DENGAN SELF-CONTROL SEBAGAI VARIABEL MEDIASI. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.

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Abstract

The development of digital technology brings changes in people's behavior in shifting financial transaction patterns, but this will have a negative impact if it is not accompanied by knowledge and skills in financial management. This is supported by the massive development of social media that can influence students' perceptions of their lifestyle. The purpose of this study is to analyse the influence of Digital Financial Literacy and a Consumptive Lifestyle on Personal Financial Management with Self-Control as a mediating variable. This type of research is quantitative with a non-probability sampling method through purposive sampling of 200 respondents, with an allocation of 100 FEB students and 100 non-FEB students. Data analysis was carried out using the SEM-PLS method supported by the SmartPLS 4.0 application. The results of the study stated that Digital Financial Literacy and Self-Control have a significant positive effect on Personal Financial Management. While Consumptive Lifestyle has no effect on Personal Financial Management. Self-Control mediates the influence of Digital Financial Literacy and a Consumptive Lifestyle on Personal Financial Management. Similarities were found in the influence of Digital Financial Literacy on Personal Financial Management with Self-Control as a mediating variable between FEB and non-FEB students. A similar finding was found for Self-Control, did not mediate the influence of a Consumptive Lifestyle on Personal Financial Management. Keywords: Digital Financial Literacy, Consumptive Lifestyle, Self-Control, Personal Financial Management

Item Type: Thesis (Skripsi)
Additional Information: [No. Panggil: 2210111080] [Pembimbing: Ardhiani Fadila] [Penguji 1: Kery Utami] [Ketua Penguji: Sri Mulyantini]
Uncontrolled Keywords: Digital Financial Literacy, Consumptive Lifestyle, Self-Control, Personal Financial Management
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HG Finance
Divisions: Fakultas Ekonomi dan Bisnis > Program Studi Manajemen (S1)
Depositing User: SERLITHA DESY RISMAWATI
Date Deposited: 26 Mar 2026 05:11
Last Modified: 26 Mar 2026 05:11
URI: http://repository.upnvj.ac.id/id/eprint/41371

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