PERSEPSI REDENOMINASI DAN LITERASI KEUANGAN SYARIAH: IMPLIKASINYA TERHADAP POLA KONSUMSI GENERASI Z

Rokhman Abdillah; Alimatul Farida; Muhammad Nizar

doi:10.32806/currency.v5i1.1923

Authors

Rokhman Abdillah Universitas Yudharta Pasuruan
Alimatul Farida Universitas Yudharta Pasuruan
Muhammad Nizar Universitas Yudharta Pasuruan

DOI:

https://doi.org/10.32806/currency.v5i1.1923

Keywords:

Transaksi Non-Tunai, Kekebalan Kognitif, Keuangan Syariah, Ilusi Uang

Abstract

Digitalisasi sistem pembayaran secara fundamental mengubah perilaku ekonomi Generasi Z. Wacana redenominasi mata uang menimbulkan kekhawatiran tentang bias ilusi uang, di mana nominal yang disederhanakan dapat memicu konsumsi impulsif. Studi ini bertujuan untuk menganalisis implikasi persepsi ilusi uang dan literasi keuangan digital syariah terhadap pola konsumsi Generasi Z di Kabupaten Pasuruan. Penelitian kuantitatif ini menggunakan sampel purposif sebanyak 104 responden. Analisis data menggunakan regresi linier berganda. Hasil parsial menunjukkan bahwa ilusi uang tidak berpengaruh signifikan terhadap pola konsumsi. Hal ini menunjukkan bahwa kebiasaan transaksi tanpa uang tunai yang menampilkan nominal ringkas pada aplikasi membangun kekebalan kognitif. Sebaliknya, literasi keuangan digital syariah memiliki pengaruh positif dan signifikan, bertindak sebagai mekanisme pengendalian diri yang efektif untuk mencegah perilaku boros. Secara bersamaan, kedua variabel tersebut memengaruhi pola konsumsi dengan koefisien determinasi sebesar 15,5 persen. Studi ini menyiratkan bahwa pendidikan literasi keuangan merupakan prasyarat penting sebelum menerapkan kebijakan redenominasi untuk menjaga rasionalitas daya beli di era digital.

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