Pengaruh Literasi Keuangan, Materialisme, dan Persepsi Risiko terhadap Kecenderungan Berutang pada Generasi Milenial di Kota Padang

Anggun Fatresia Wardani; Eliyanora; Dita Maretha Rissi

doi:10.62108/asrj.v5i1.13906

Authors

Anggun Fatresia Wardani Politeknik Negeri Padang
Eliyanora Politeknik Negeri Padang
Dita Maretha Rissi Politeknik Negeri Padang

DOI:

https://doi.org/10.62108/asrj.v5i1.13906

Keywords:

Literasi Keuangan, Materialisme, Persepsi Risiko, Kecenderungan Berutang

Abstract

Meningkatnya kecenderungan berutang pada generasi milenial di era digital menjadi fenomena yang perlu dikaji karena berpotensi memengaruhi stabilitas keuangan individu. Berdasarkan Theory of Planned Behavior, perilaku berutang ditentukan oleh aspek kognitif dan psikologis yang membentuk niat serta keputusan keuangan individu. Studi ini menggunakan pendekatan kuantitatif melalui metode survei dengan melibatkan 189 responden yang dipilih berdasarkan teknik purposive sampling, yaitu individu kelahiran 1981–1996 (sekitar usia 29–44 tahun pada saat penelitian) yang berdomisili di Kota Padang dan pernah atau sedang memiliki pinjaman atau utang. Penelitian ini dianalisis dengan pendekatan SEM-PLS menggunakan aplikasi SmartPLS 4.0. Temuan penelitian menunjukkan bahwa literasi keuangan tidak memiliki pengaruh yang signifikan terhadap kecenderungan berutang, sementara materialisme terbukti berpengaruh positif dan signifikan. Variabel persepsi risiko tidak dapat dilanjutkan ke tahap analisis berikutnya karena belum memenuhi kriteria validitas konvergen. Temuan ini menyimpulkan bahwa kecenderungan berutang generasi milenial lebih dipengaruhi oleh orientasi nilai materialistik dibandingkan tingkat literasi keuangan, sehingga upaya pengendalian perilaku berutang perlu menekankan pembentukan nilai dan pengendalian konsumsi selain peningkatan pengetahuan keuangan.

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