PENGARUH JUDI ONLINE DAN LIFESTYLE TERHADAP FINANCIAL STRESS MAHASISWA: LITERASI KEUANGAN SEBAGAI MEDIASI

M. Akbar M. Akbar; Husnul Muttaqin

doi:10.31539/851jrw44

Authors

M. Akbar M. Akbar Politeknik Negeri Bengkalis
Husnul Muttaqin Politeknik Negeri Bengkalis

DOI:

https://doi.org/10.31539/851jrw44

Keywords:

Judi Online, Lifestyle, Literasi Keuangan, Financial Stress, Mahasiswa

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh judi online dan gaya hidup (lifestyle) terhadap financial stress mahasiswa, dengan literasi keuangan sebagai variabel mediasi. Fenomena meningkatnya aktivitas judi daring di kalangan mahasiswa menjadi perhatian serius karena berdampak pada stabilitas keuangan, perilaku konsumtif, serta kesejahteraan psikologis. Penelitian ini menggunakan metode kuantitatif dengan pendekatan Structural Equation Modeling (SEM) berbasis WarpPLS, melibatkan mahasiswa aktif Politeknik Negeri Bengkalis sebagai responden. Hasil penelitian diharapkan dapat menunjukkan bahwa literasi keuangan berperan signifikan dalam memperlemah pengaruh negatif judi online dan lifestyle terhadap financial stress mahasiswa. Temuan ini diharapkan menjadi dasar dalam pengembangan edukasi literasi keuangan serta upaya pencegahan judi daring di kalangan mahasiswa.

References

[1] Archuleta, K. L., Dale, A., & Spann, S. (2013). College students and financial distress: Exploring debt, financial satisfaction, and financial anxiety. Journal of Financial Counseling and Planning, 24(2), 50–62.

[2] Chen, & Lim. (2021). Financial stress model. Asian Journal of Finance.

[3] Dittmar, H., Bond, R., Hurst, M., & Kasser, T. (2014). The relationship between materialism and personal well-being: A meta-analysis. Journal of Personality and Social Psychology, 107(5), 879–897. https://doi.org/10.1037/a0037409

[4] Griffiths, M. (2003). Internet gambling: Issues, concerns, and recommendations. CyberPsychology & Behavior, 6(6), 557–568. https://doi.org/10.1089/109493103322725333

[5] Hair, J. F. (2021). Multivariate Data Analysis. Cengage.

[6] Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Sage Publications.

[7] Julito, & Rafi. (2023). Online gambling and financial decision making among students. Journal of Behavioral Finance.

[8] Kock, N., & Hadaya, P. (2018). Minimum sample size estimation in PLS-SEM: The inverse square root and gamma-exponential methods. Information Systems Journal, 28(1), 227–261. https://doi.org/10.1111/isj.12131

[9] Koomson, I., Churchill, S. A., & Munyanyi, W. (2022). Gambling and financial stress. Social Indicators Research, 162(2), 541–560. https://doi.org/10.1007/s11205-021-02838-7

[10] Laily. (2023). Financial stress in young adults. Jurnal Psikologi.

[11] Lathiifah, D. R., & Kautsar, A. (2022). Financial literacy, fintech, lifestyle, and financial behavior. Jurnal Ilmu Manajemen, 10(3).

[12] Lee, J., & Kim, S. (2020). Consumer lifestyle and financial stress. Journal of Consumer Studies.

[13] Lestari, & Santoso. (2023). Financial literacy among university students. Jurnal Keuangan Pendidikan.

[14] Lusardi, A. (2019). Financial literacy and financial education. Journal of Economic Perspectives, 33(4), 77–100.

[15] Maharani, & Kusuma. (2025). Lifestyle and student consumption behavior. Journal of Economic Studies.

[16] Putri, & Santoso. (2024). Financial literacy and financial stress. Jurnal Ekonomi Dan Bisnis.

[17] Roberts, J. A., & Jones, E. (2001). Money attitudes, credit card use, and compulsive buying. Journal of Consumer Affairs, 35(2), 213–240. https://doi.org/10.1111/j.1745-6606.2001.tb00111.x

[18] Siregar, & Anwar. (2024). Financial stress and behavior. Jurnal Riset Ekonomi.

[19] Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.

[20] Watanapongvanich, S., Binnagan, P., Putthinun, P., Khan, M. S., & Kadoya, Y. (2020). Financial literacy and gambling behavior: Evidence from Japan. Journal of Gambling Studies, 36(3), 891–915. https://doi.org/10.1007/s10899-019-09904-4

[21] Widodo, & Pratama. (2022). Financial stress among students. Jurnal Manajemen Keuangan.

[22] Wijaya, & Halim. (2024). Financial stress among Indonesian students. Jurnal Akuntansi Indonesia.

[23] Zhang, Y., Wang, Y., & Chen, X. (2023). Self-control, impulsivity, and financial stress among young adults. Journal of Behavioral Finance, 24(2), 220–235. https://doi.org/10.1080/15427560.2022.2035799