SMART MOMS IN SMART ECONOMY: THE INFLUENCE OF DIGITAL FINANCIAL LITERACY ON SUSTAINABLE FINANCIAL BEHAVIOR WITH LIFESTYLE AS AN INTERVENING VARIABLE

Abstract

This study aims to analyze the influence of digital financial literacy on sustainable financial behavior among housewives, with lifestyle as an intervening variable in Tasikmalaya Regency. The research employs a quantitative approach using Structural Equation Modeling (SEM) as the analytical method. The population of this study comprises housewives in Tasikmalaya Regency, with a total sample of 110 respondents selected through purposive sampling. Data were collected using a structured questionnaire measured on a five-point Likert scale. The results indicate that digital financial literacy has a positive and significant influence on both lifestyle and sustainable financial behavior. Furthermore, lifestyle is found to positively affect sustainable financial behavior and acts as a mediating variable in the relationship between digital financial literacy and sustainable financial behavior. These findings emphasize the crucial role of enhancing digital financial literacy and cultivating an adaptive lifestyle to support sustainable financial practices among housewives in the era of the smart economy.