Pengaruh Judi Online dan Lifestyle Terhadap Perilaku Keuangan Dengan Literasi Keuangan Sebagai Pemoderasi

Abstract

This research is about the influence of online gambling and lifestyle on financial behavior with financial literacy as a moderator. This research is motivated by the increasing influence of online gambling among society, and lifestyles are getting higher with the times. This researcher uses four variables consisting of online gambling and lifestyle as independent variables. Financial behavior as the dependent variable. Financial literacy as a moderating variable. This research aims to confirm again whether online gambling and lifestyle influence financial behavior which makes people unable to apply financial literacy with basic knowledge of financial management and risk management. research result. First, it shows that online gambling has a significant effect on financial behavior, meaning that based on these results the hypothesis is accepted. Second, the results of statistical tests show that lifestyle has a positive effect on financial behavior, meaning that based on these results the hypothesis is accepted. Third, the results of statistical tests show that financial literacy has no effect on financial behavior, meaning that based on these results the hypothesis is rejected. Fourth, the results of statistical tests show that financial literacy strengthens the relationship between online gambling and financial behavior without a significant effect, meaning that based on these results the hypothesis is rejected. Fifth, the results of statistical tests show that Financial Literacy Strengthens the Relationship between lifestyle and Financial Behavior has a significant effect, meaning that based on these results the hypothesis is accepted. also for people to be smarter in managing finances and knowing risk management so they don't fall into online gambling and excessive lifestyles.