PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU PENGELOLAAN KEUANGAN GENERASI Z: SYSTEMATIC LITERATURE REVIEW
Keywords:
literasi keuanganAbstract
Perkembangan layanan keuangan digital memberi Generasi Z akses yang luas terhadap pembayaran, kredit, tabungan, dan investasi, tetapi kemudahan tersebut juga meningkatkan risiko konsumsi impulsif serta keputusan keuangan yang kurang terencana. Penelitian ini bertujuan menganalisis pengaruh literasi keuangan terhadap perilaku pengelolaan keuangan Generasi Z melalui systematic literature review. Artikel ditelusuri berdasarkan kombinasi kata kunci literasi keuangan, perilaku keuangan, pengelolaan keuangan, dan Generasi Z. Lima belas artikel empiris dan tinjauan yang relevan, terutama terbit pada 2023–2026, disintesis secara naratif dengan memperhatikan desain, sampel, variabel, dan temuan. Hasil menunjukkan bahwa literasi keuangan pada umumnya berhubungan positif dengan penganggaran, menabung, pengendalian utang, dan pengambilan keputusan. Namun, pengetahuan tidak selalu langsung berubah menjadi tindakan. Sikap keuangan, efikasi diri, kontrol diri, locus of control, sosialisasi keuangan, gaya hidup, dan penggunaan fintech berperan sebagai mekanisme penjelas maupun kondisi batas. Temuan menegaskan perlunya pendidikan keuangan yang berbasis praktik dan pembentukan kebiasaan, bukan hanya transfer konsep. Program bagi Generasi Z perlu menggabungkan simulasi anggaran, pengelolaan kredit, tujuan tabungan, refleksi konsumsi digital, dan dukungan teknologi yang memberikan umpan balik perilaku.
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