Hadaya, Muhammad Devin (2026) Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Ketahanan Finansial Rumah Tangga Desa Sumurgeneng Pasca Kompensasi. Other thesis, Institut Teknologi Sepuluh Nopember.
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Abstract
Program kompensasi yang diterima masyarakat Desa Sumurgeneng memberikan peluang bagi rumah tangga untuk memperkuat kondisi ekonominya. Namun dalam praktiknya, sebagian penerima masih menghadapi tantangan dalam mengelola dana secara bijak sehingga belum sepenuhnya mampu mencapai ketahanan finansial jangka panjang. Penelitian ini bertujuan menganalisis pengaruh literasi keuangan, literasi digital, serta peran moderasi jenis kelamin terhadap ketahanan finansial menggunakan metode kuantitatif Partial Least Squares–Structural Equation Modeling (PLS-SEM). Subjek penelitian ini adalah rumah tangga penerima kompensasi dengan jumlah sampel sebanyak 100 responden, serta menggunakan kuesioner terstruktur untuk pengumpulan data. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap ketahanan finansial, sedangkan literasi digital berpengaruh positif namun tidak signifikan karena pemanfaatannya belum produktif. Analisis moderasi mengungkapkan bahwa jenis kelamin tidak memengaruhi dampak literasi keuangan, namun terbukti memoderasi dalam memperkuat pengaruh literasi digital secara signifikan akibat perbedaan perilaku pemanfaatan teknologi antar jenis kelamin. Penelitian ini menyimpulkan bahwa literasi keuangan adalah faktor kunci ketahanan finansial, sementara strategi literasi digital memerlukan pendekatan berbasis jenis kelamin agar berdampak nyata bagi pengelolaan keuangan rumah tangga.
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The compensation program received by the people of Sumurgeneng Village provides opportunities for households to strengthen their economic conditions. However, in practice, some recipients still face challenges in managing funds wisely so that they are not fully able to achieve long-term financial resilience. This study aims to analyze the influence of financial literacy, digital literacy, and the role of gender moderation on financial resilience using the quantitative method Partial Least Squares–Structural Equation Modeling (PLS-SEM). The subjects of this study were compensated households with a sample of 100 respondents, and used a structured questionnaire for data collection. The results of the study show that financial literacy has a positive and significant effect on financial resilience, while digital literacy has a positive but insignificant effect because its use has not been productive. The moderation analysis revealed that gender did not affect the impact of financial literacy, but it was proven to moderate in strengthening the influence of digital literacy significantly due to differences in technology utilization behavior between genders. This study concludes that financial literacy is a key factor in financial resilience, while digital literacy strategies require a gender-based approach to have a real impact on household financial management.
| Item Type: | Thesis (Other) |
|---|---|
| Uncontrolled Keywords: | Ketahanan finansial, literasi keuangan, literasi digital, moderasi jenis kelamin, kompensasi, PLS-SEM, Desa Sumurgeneng Financial resilience, financial literacy, digital literacy, gender moderation, compensation, PLS-SEM, Sumurgeneng Village |
| Subjects: | H Social Sciences > HC Economic History and Conditions H Social Sciences > HC Economic History and Conditions > HC79.E5 Sustainable development. (circular economy) |
| Divisions: | Faculty of Creative Design and Digital Business (CREABIZ) > Developmental Studies > 60201-(S1) Undergraduate Thesis |
| Depositing User: | Muhammad Devin Hadaya |
| Date Deposited: | 29 Jan 2026 04:04 |
| Last Modified: | 29 Jan 2026 04:04 |
| URI: | http://repository.its.ac.id/id/eprint/130990 |
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