Jurnal Nirta: Studi Inovasi
Vol 5 No 2 (2026): Jurnal Nirta : Studi Inovasi

Pengaruh Literasi Keuangan Berbasis Media Sosial, Tekanan Konsumsi Digital, dan Kepercayaan terhadap Influencer Keuangan terhadap Ketahanan Keuangan Generasi Muda melalui Perilaku Pengendalian Konsumsi sebagai Variabel Mediasi pada Gen Z (Mahasiswa UNTAG

Ari Al Dini (Unknown)
Hafidzah Nur Ayni (Unknown)
Litanya Mazarella Freitas (Unknown)
Tenezia Tilman De Sena Correia (Unknown)
Maria Yovita R.Pandin (Unknown)



Article Info

Publish Date
29 Jun 2026

Abstract

This study aims to analyze the influence of social media-based financial literacy, digital consumption pressure, and trust in financial influencers on the financial resilience of the younger generation through consumption control behavior as a mediating variable in Accounting Study Program students of the University of 17 August 1945 Surabaya, class of 2024. The study used a quantitative approach with an associative method. The study population was active students of the Accounting Study Program, class of 2024, with a sample of 100 respondents determined using a purposive sampling technique. Primary data were obtained through the distribution of Likert-based questionnaires and analyzed using the Structural Equation Modeling Partial Least Square (SEM-PLS) method with the help of SmartPLS software. The results showed that social media-based financial literacy had a positive and significant effect on consumption control behavior and financial resilience of the younger generation. Conversely, digital consumption pressure had a negative and significant effect on consumption control behavior and financial resilience. Trust in financial influencers was proven to have a positive and significant effect on consumption control behavior and financial resilience of the younger generation. In addition, consumption control behavior had a positive and significant effect on the financial resilience of the younger generation. The results of the mediation test indicate that consumption control behavior mediates the relationship between social media-based financial literacy, digital consumption pressure, and trust in financial influencers on the financial resilience of the younger generation. This study's findings confirm that increased digital financial literacy, the ability to control consumption, and the use of credible financial information through social media are important factors in strengthening the financial resilience of Generation Z amidst high digital consumption pressure.

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Journal Info

Abbrev

JNSI

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

Description

artikel penelitian dan pengabdian kepada masyarakat yang berfokus pada bidang keilmuan yaitu Pendidikan, Manajemen dan ...