Mengungkap Peran Kontrol Diri dalam Hubungan Literasi Keuangan, Gaya Hidup, dan Perilaku Pengelolaan Keuangan
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Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan gaya hidup terhadap perilaku pengelolaan keuangan dengan kontrol diri sebagai variabel mediasi pada Generasi Z di Kabupaten Tuban. Penelitian menggunakan pendekatan kuantitatif dengan data primer yang dikumpulkan melalui penyebaran kuesioner kepada Generasi Z yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan SEM-PLS. Hasil penelitian menunjukkan bahwa literasi keuangan dan gaya hidup berpengaruh positif terhadap kontrol diri. Literasi keuangan dan kontrol diri berpengaruh positif terhadap perilaku pengelolaan keuangan, sedangkan gaya hidup tidak berpengaruh secara langsung terhadap perilaku pengelolaan keuangan. Lebih lanjut, kontrol diri terbukti memediasi hubungan antara literasi keuangan dan perilaku pengelolaan keuangan, namun tidak mampu memediasi hubungan antara gaya hidup dan perilaku pengelolaan keuangan. Temuan ini menegaskan bahwa kontrol diri memiliki peran penting dalam mengubah literasi keuangan menjadi perilaku pengelolaan keuangan yang lebih baik pada Generasi Z, sementara gaya hidup saja belum cukup untuk membentuk perilaku pengelolaan keuangan tanpa didukung oleh kemampuan pengendalian diri yang memadai.
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