Systematic Literature Review tentang Financial Wellbeing: Eksplorasi Metode dan Relasi Antar Variabel
DOI:
https://doi.org/10.38035/jafm.v6i3.2206Keywords:
Kesejahteraan Financial, Perilaku Pengelolaan Keuangan, Tinjauan Literatur SistematisAbstract
Penelitian ini berjudul Systematic Literature Review tentang Financial Wellbeing: Eksplorasi Metode dan Relasi Antar Variabel. Tujuan penelitian ini adalah untuk mengkaji hasil-hasil penelitian terdahulu mengenai faktor-faktor yang memengaruhi kesejahteraan finansial dan implikasinya terhadap aspek psikososial. Objek kajian meliputi sebelas artikel ilmiah internasional yang membahas kesejahteraan finansial dari berbagai perspektif. Penelitian ini menggunakan metode tinjauan literatur sistematis dengan pendekatan PRISMA. Data dikumpulkan melalui seleksi artikel pada database ilmiah bereputasi dan dianalisis secara kualitatif berdasarkan tema-tema penelitian yang berulang. Hasil penelitian menunjukkan bahwa kesejahteraan finansial dipengaruhi oleh literasi keuangan, perilaku keuangan, status pekerjaan, pendidikan, peran keluarga, dan kemampuan adaptasi terhadap teknologi keuangan. Selain itu, kesejahteraan finansial juga terbukti berdampak pada kepuasan pernikahan dan kualitas hubungan sosial. Kesimpulan dari penelitian ini adalah bahwa kesejahteraan finansial merupakan konstruksi multidimensi yang tidak hanya dipengaruhi oleh faktor ekonomi, tetapi juga oleh perilaku, nilai keluarga, dan kesiapan digital individu. Penelitian ini merekomendasikan penguatan literasi keuangan berbasis perilaku dan teknologi, serta pengembangan model teoritis yang integratif untuk memahami kesejahteraan finansial secara lebih komprehensif.
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