Strategi Pengelolaan Keuangan; Dampak Perspektif Waktu Masa Depan Dan Literasi Finansial Terhadap Ketahanan  Konsumen Gen Z Di Samarinda

Femi Sheillavina Ardilla; Hairul Anwar

Authors

Femi Sheillavina Ardilla Universitas Mulawarman
Hairul Anwar Universitas Mulawarman

Keywords:

Perspektif Masa Depan, Literasi Finansial, Ketahanan Konsumen, Generasi Z, Strategi Pengelolaan Keuangan

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh perspektif masa depan dan literasi finansial terhadap ketahanan konsumen Generasi Z di Kota Samarinda dalam konteks strategi pengelolaan keuangan. Penelitian ini menggunakan pendekatan kuantitatif dengan sumber data primer yang diperoleh melalui penyebaran kuesioner kepada 100 responden yang merupakan konsumen Generasi Z di Samarinda. Teknik pengambilan sampel yang digunakan adalah purposive sampling. Metode analisis data yang digunakan adalah Structural Equation Modeling (SEM) berbasis varians, yaitu Partial Least Squares (PLS), yang dioperasikan melalui perangkat lunak SmartPLS. Metode PLS dipilih karena mampu menganalisis model dengan ukuran sampel relatif kecil serta tidak memerlukan asumsi statistik yang ketat, sehingga sesuai untuk penelitian eksploratif dan pengembangan teori. Hasil penelitian menunjukkan bahwa perspektif masa depan berpengaruh positif dan signifikan terhadap ketahanan konsumen Generasi Z di Samarinda. Selain itu, literasi finansial juga terbukti berpengaruh positif dan signifikan terhadap ketahanan konsumen. Temuan ini mengindikasikan bahwa semakin baik orientasi individu terhadap masa depan serta semakin tinggi tingkat literasi finansial yang dimiliki, maka semakin kuat kemampuan konsumen dalam mengelola keuangan dan menghadapi tekanan ekonomi. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan strategi edukasi keuangan serta perumusan kebijakan yang mendukung peningkatan ketahanan finansial Generasi Z di Kota Samarinda.

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