Mindset FIRE dan digital financial inclusion sebagai penentu stabilitas keuangan Generasi Z

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Diterbitkan: May 18, 2026
DOI: https://doi.org/10.28932/jmm.v25i2.15136
Kata Kunci:
digital financial inclusion, financial stability, FIRE mindset, self-concept inklusi keuangan digital, konsep diri, mindset FIRE, stabilitas keuangan

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Detak Prapanca
Program Studi Manajemen, Fakultas Bisnis, Hukum, dan Ilmu Sosial, Universitas Muhammadiyah Sidoarjo
Nur Ravita Hanun
Program Studi Manajemen, Fakultas Bisnis, Hukum, dan Ilmu Sosial, Universitas Muhammadiyah Sidoarjo
Putri Ayunda Anggraeni
Program Studi Manajemen, Fakultas Bisnis, Hukum, dan Ilmu Sosial, Universitas Muhammadiyah Sidoarjo
Amelia Fitri Agustin
Program Studi Manajemen, Fakultas Bisnis, Hukum, dan Ilmu Sosial, Universitas Muhammadiyah Sidoarjo

Abstrak

Penelitian ini mengkaji pengaruh FIRE mindset dan inklusi keuangan digital terhadap stabilitas keuangan pada Generasi Z, dengan konsep diri sebagai variabel mediasi. Survei kuantitatif dilakukan terhadap 300 orang responden yang aktif secara digital, dan data dianalisis menggunakan PLS-SEM. Hasil penelitian menunjukkan bahwa FIRE mindset dan inklusi keuangan digital berpengaruh signifikan terhadap stabilitas keuangan, sementara konsep diri juga memiliki pengaruh langsung yang signifikan. Namun, inklusi keuangan digital tidak berpengaruh signifikan terhadap konsep diri, dan konsep diri tidak memediasi hubungan tersebut. Temuan ini menunjukkan bahwa stabilitas keuangan pada Generasi Z lebih banyak didorong oleh kedisiplinan perilaku dan orientasi keuangan jangka panjang dibandingkan oleh mekanisme mediasi psikologis. Penelitian ini menekankan pentingnya integrasi literasi keuangan, akses digital, dan perilaku keuangan yang konsisten untuk meningkatkan ketahanan finansial.

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Cara Mengutip
Prapanca, D., Hanun, N. R., Anggraeni, P. A., & Agustin, A. F. (2026). Mindset FIRE dan digital financial inclusion sebagai penentu stabilitas keuangan Generasi Z. Jurnal Manajemen Maranatha, 25(2), 217–230. https://doi.org/10.28932/jmm.v25i2.15136
Terbitan
Vol 25 No 2 (2026): Jurnal Manajemen Maranatha
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Artikel ini berlisensi Creative Commons Attribution-NonCommercial 4.0 International License.

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