<![CDATA[This study aims to analyze the effect of cognition needs, feelings of Powerlessness, and moderation of the social environment on financial literacy. The methodology used is quantitative analysis with a structured survey of individuals aged 18-60 years. Data analysis was performed using Smart PLS SEM (Partial et al. – Structural Equation Modeling) software, which is efficient in handling latent variables and analyzing complex relationships between variables. The results of the hypothesis test showed that feelings of Powerlessness had a significant negative impact on financial literacy (coefficient -0.251, p < 0.001). In contrast, the influence of environmental moderation on feelings of Powerlessness on financial literacy was significantly positive (coefficient 0.104, p = 0.001). Cognition needs contribute significantly positively to literacy (coefficient 0.369, p < 0.001), but environmental moderation to Cognition needs shows no significant effect (coefficient -0.050, p = 0.238). Environmental variables themselves have a significant favorable influence on financial literacy (coefficient 0.289, p < 0.001). The conclusions of this study underscore the importance of understanding cognitive and environmental factors in efforts to improve financial literacy, as well as presenting a database for effective policy development and interventions.]]>
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