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All Journal GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan
Amellia Amellia
Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya
Humanities Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGARUH LITERASI KEUANGAN DIGITAL DAN E-LIFESTYLE TERHADAP PERILAKU KONSUMTIF PENGGUNA E-MONEY DENGAN KONTROL DIRI SEBAGAI VARIABEL MEDIASI PADA GENERASI Z DI KOTA PALANGKA RAYA Amellia Amellia; Eri Triani; Hafidza Umul Rizky
GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Vol. 13 No. 7 (2026): 2026 Juli
Publisher : Lembaga Kajian Ilmu Sosial dan Politik (LKISPOL)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56015/gjikplp.v13i7.1037

Abstract

This study aims to analyze the influence of digital financial literacy and e-lifestyle on the consumptive behavior of e-money users among Generation Z in Palangka Raya City, with self-control as a mediating variable. This phenomenon is relevant considering the dominance of Generation Z in the city's demographic structure and the rapid adoption of digital payments, which have the potential to encourage consumptive behavior. The study employed a quantitative approach using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). Primary data were collected through questionnaires from 163 Generation Z respondents in Palangka Raya who had used e-money for at least one month. The sampling technique used was non-probability sampling (snowball sampling). The results of the study show that digital financial literacy has a negative and significant effect on consumptive behavior. In contrast, e-lifestyle has a positive and significant effect on consumptive behavior. Both independent variables also have a positive and significant effect on self-control. Self-control itself has a positive and significant effect on consumptive behavior and has been proven to act as a significant mediator in the relationship between digital financial literacy and consumptive behavior, as well as between e-lifestyle and consumptive behavior. Practically, these findings serve as recommendations for stakeholders to strengthen digital financial literacy programs and the development of self-control among Generation Z so that they can utilize the convenience of e-money wisely.
Co-Authors Eri Triani Hafidza Umul Rizky