Pengaruh Kualitas Hidup dan Ketahanan Finansial terhadap Kesejahteraan Finansial dengan Melalui Mindset Keuangan Positif pada Karyawan Gen Z di Jakarta
DOI:
https://doi.org/10.58812/jmws.v4i08.2616Kata Kunci:
Kualitas Hidup, Ketahanan Finansial, Pola Pikir Finansial Positif, Kesejahteraan Finansial, Karyawan Gen ZAbstrak
Penelitian ini mengkaji pengaruh kualitas hidup dan ketahanan finansial terhadap kesejahteraan finansial melalui pola pikir finansial positif di kalangan karyawan Generasi Z di Jakarta. Dengan pendekatan kuantitatif, data dikumpulkan dari 170 responden melalui kuesioner terstruktur berdasarkan skala Likert 1–5. Analisis data dilakukan menggunakan Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). Hasil penelitian menunjukkan bahwa baik kualitas hidup maupun ketahanan finansial secara signifikan mempengaruhi kesejahteraan finansial. Selain itu, pola pikir finansial yang positif berperan sebagai mediator dalam hubungan ini, memperkuat efek tidak langsung dari kualitas hidup dan ketahanan finansial terhadap kesejahteraan finansial. Di antara kedua prediktor tersebut, ketahanan finansial menunjukkan pengaruh yang paling kuat, menunjukkan bahwa kemampuan untuk mengelola dan pulih dari tantangan finansial sangat penting untuk meningkatkan kesejahteraan finansial secara keseluruhan. Penelitian ini menyoroti pentingnya menumbuhkan ketahanan finansial dan mempromosikan pola pikir finansial yang konstruktif untuk memastikan kesejahteraan finansial yang berkelanjutan di kalangan karyawan muda dalam konteks perkotaan. Temuan ini berkontribusi pada psikologi finansial dan manajemen sumber daya manusia dengan memberikan wawasan tentang strategi untuk mendukung pekerja Gen Z dalam mempertahankan stabilitas finansial dan kemakmuran jangka panjang.
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