Pengaruh Literasi Keuangan terhadap Pola Konsumsi Rumah Tangga di Era Digital
DOI:
https://doi.org/10.31004/joecy.v5i2.3067Keywords:
Literasi Keuangan, Pola Konsumsi Rumah Tangga, Teknologi Digital, Pengelolaan Keuangan, Literasi DigitalAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan terhadap pola konsumsi rumah tangga di era digital, dengan fokus pada Kecamatan Galesong, Kabupaten Takalar. Literasi keuangan memainkan peran penting dalam pengelolaan keuangan rumah tangga, dan teknologi digital berperan dalam meningkatkan efisiensi pengelolaan pengeluaran rumah tangga. Penelitian ini menggunakan metode kuantitatif dengan survei yang melibatkan 200 responden rumah tangga di Kecamatan Galesong. Hasil penelitian menunjukkan bahwa rumah tangga dengan literasi keuangan yang lebih tinggi cenderung memiliki pengelolaan keuangan yang lebih efisien dan pola konsumsi yang lebih terkontrol. Selain itu, penggunaan teknologi digital dalam pengelolaan keuangan juga berkontribusi pada pengelolaan anggaran yang lebih baik. Namun, terdapat hambatan yang signifikan terkait dengan rendahnya literasi digital dan akses terbatas terhadap teknologi, yang mempengaruhi kemampuan masyarakat untuk memanfaatkan teknologi finansial secara optimal. Berdasarkan temuan ini, rekomendasi utama adalah meningkatkan literasi keuangan dan digital di kalangan masyarakat melalui pelatihan yang terstruktur serta meningkatkan akses terhadap teknologi digital di daerah pedesaan. Penelitian ini diharapkan dapat memberikan wawasan bagi kebijakan pemerintah dan lembaga keuangan dalam meningkatkan pengelolaan keuangan rumah tangga di era digital.
Kata Kunci: Literasi Keuangan, Pola Konsumsi Rumah Tangga, Teknologi Digital, Pengelolaan Keuangan, Literasi Digital, Kecamatan Galesong
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