Pengaruh Financial Knowledge dan Financial Socialization terhadap Financial Literacy pada Individu yang Menggunakan Layanan Digital Perbankan
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Abstract
The purpose of this research is to examine the effect of financial knowledge and financial socialization on financial literacy. This study uses 414 samples, consisting of parties who use the digital banking system mobile banking in DKI Jakarta. A partial least square was applied to analyze the association of financial knowledge and financial literacy with financial socialization as the mediation variable. This study reveals a direct effect of financial knowledge on financial literacy. But financial socialization has no significant impact on financial literacy. This study provides input for the Indonesian people to encourage investment intentions for investors and potential investors in using mobile banking services so that investment in mutual funds will be easier and increase. This research is an outreach for investors and potential investors to use mobile banking in investing in finance in Indonesia.
Tujuan penelitian ini adalah untuk menguji pengaruh pengetahuan keuangan dan sosialisasi keuangan terhadap literasi keuangan. Penelitian ini menggunakan 414 sampel yang terdiri dari pihak-pihak yang menggunakan sistem perbankan digital mobile banking di DKI Jakarta. Partial Least Square digunakan untuk menganalisis hubungan antara pengetahuan keuangan dan literasi keuangan dengan sosialisasi keuangan sebagai variabel mediasi. Studi ini mengungkapkan pengaruh langsung pengetahuan keuangan terhadap literasi keuangan. Namun sosialisasi keuangan tidak berpengaruh signifikan terhadap literasi keuangan. Penelitian ini memberikan masukan bagi masyarakat Indonesia untuk mendorong niat berinvestasi bagi investor dan calon investor dalam menggunakan layanan mobile banking agar investasi pada reksa dana semakin mudah dan meningkat. Penelitian ini bertujuan untuk menjangkau investor dan calon investor untuk menggunakan mobile banking dalam berinvestasi di bidang keuangan di Indonesia.
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