Pengaruh Digitalisasi Keuangan Terhadap Financial Well-Being yang di Mediasi Oleh Financial Capability Pada Jemaat Kingdom Generation Community (KGC) di Mataram

Tabhita Berliana Siahaan; Rini Anggriani; Raden Bagus Faizal Irany Sidharta; Restu Alpiansah; Stevany Hanalyna Dethan

doi:10.69693/ijim.v4i3.2472

Authors

Tabhita Berliana Siahaan Universitas Bumigora
Rini Anggriani Universitas Bumigora
Raden Bagus Faizal Irany Sidharta Universitas Bumigora
Restu Alpiansah Universitas Bumigora
Stevany Hanalyna Dethan Universitas Bumigora

DOI:

https://doi.org/10.69693/ijim.v4i3.2472

Keywords:

Digitalisasi Keuangan, Financial Capability, Financial Well-Being, SEM-PLS, KGC

Abstract

Perkembangan layanan keuangan digital telah mengubah cara individu mengakses, menggunakan, dan mengelola aktivitas keuangan. Di satu sisi, mobile banking, dompet digital, QRIS, dan layanan keuangan digital lainnya memberikan kemudahan dan efisiensi; di sisi lain, kemudahan tersebut belum tentu menghasilkan pengelolaan keuangan yang baik apabila tidak disertai kemampuan keuangan yang memadai. Penelitian ini bertujuan menganalisis pengaruh digitalisasi keuangan terhadap financial well-being, pengaruh digitalisasi keuangan terhadap financial capability, pengaruh financial capability terhadap financial well-being, serta peran financial capability sebagai mediator pada anggota Kingdom Generation Community (KGC) di Mataram. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif. Populasi penelitian adalah seluruh anggota aktif KGC dan seluruhnya dijadikan responden melalui sampling jenuh, sehingga diperoleh 51 responden. Data dikumpulkan menggunakan kuesioner skala Likert lima tingkat dan dianalisis dengan Structural Equation Modeling-Partial Least Squares (SEM-PLS) menggunakan SmartPLS 4. Hasil penelitian menunjukkan bahwa digitalisasi keuangan berpengaruh positif dan signifikan terhadap financial capability dengan t-statistic 2,923 dan p-value 0,003. Digitalisasi keuangan juga berpengaruh positif dan signifikan terhadap financial well-being dengan t-statistic 3,612 dan p-value 0,000. Financial capability berpengaruh positif dan signifikan terhadap financial well-being dengan t-statistic 8,219 dan p-value 0,000. Selanjutnya, financial capability terbukti memediasi secara positif dan signifikan hubungan digitalisasi keuangan dengan financial well-being dengan t-statistic 2,611 dan p-value 0,009. Temuan ini menunjukkan bahwa manfaat digitalisasi keuangan terhadap kesejahteraan finansial semakin kuat ketika individu mampu mengelola, merencanakan, dan mengambil keputusan keuangan secara tepat.

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