The Mediating Role of Digital Financial Literacy : Examining How Problem Based Learning Influences Consumption Decision Making Among Adolescents

Desy Wulan Ayuning Gumilar, Khresna Bayu Sangka, Salman Alfarisy Totalia

Abstract


This study aims to analyze the role of digital financial literacy in mediating problem-based learning in adolescents' consumption decision-making. The research method used a survey with a quantitative approach. The population consists of tenth-grade high school students, sampled using purposive sampling from classes that had undergone problem-based learning in economics subjects covering (1) consumption and (2) financial literacy and prioritizing scales, resulting in 142 respondents. The instrument in this study was a questionnaire on Google Forms, which was  distributed via QR code. The data was analyzed using SPSS 25. The results obtained by digital financial literacy can significantly mediate problem-based learning in adolescent consumption decision-making with a Z value of 3.003 > 1.96 and sig 0.002 < 0.05. Integrating digital financial literacy in problem-based learning can synergize to improve students' critical thinking, which gives them the ability to make smart consumption decisions regarding their consumption activities.


Keywords


Problem Based Learning; Digital Financial Literacy; Decision Making.

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