Pengaruh Behavioral Finance terhadap Financial Discipline Rumah Tangga Melalui Peran Kepemilikan Mobil Mewah Sebagai Variabel Mediasi

Abstract

Meningkatnya tren kepemilikan mobil mewah di Indonesia tidak hanya mencerminkan kebutuhan transportasi, namun telah menjadi simbol status sosial dan prestise. Penelitian ini bertujuan menganalisis pengaruh behavioral finance terhadap financial discipline rumah tangga melalui peran kepemilikan mobil mewah sebagai variabel mediasi. Penelitian dilaksanakan menggunakan sejak Mei 2026 hingga Juli 2026 dengan menggunakan data primer dari 183 pemilik atau pengguna mobil mewah yang diperoleh melalui purposive sampling. Analisis data dilakukan menggunakan statistik deskriptif dan metode SEM-PLS. Hasil penelitian menunjukkan bahwa behavioral finance berpengaruh positif dan signifikan terhadap kepemilikan mobil mewah dan financial discipline. Namun, kepemilikan mobil mewah tidak berpengaruh signifikan dalam memediasi hubungan antara behavioral finance dan financial discipline. Peningkatan financial discipline rumah tangga dapat dioptimalkan melalui penguatan literasi keuangan, pengendalian bias perilaku, serta pengambilan keputusan keuangan yang rasional

The growing trend of luxury car ownership in Indonesia not only reflects transportation needs but has also become a symbol of social status and prestige. This study aims to analyze the influence of behavioral finance on household financial discipline through the mediating role of luxury car ownership. The study was conducted from May 2026 to July 2026 using primary data from 183 luxury car owners or users obtained through purposive sampling. Data analysis was performed using descriptive statistics and the SEM-PLS method. The results show that behavioral finance has a positive and significant effect on luxury car ownership and financial discipline. However, luxury car ownership does not significantly mediate the relationship between behavioral finance and financial discipline. Improvements in household financial discipline can be optimized by strengthening financial literacy, controlling behavioral biases, and making rational financial decisions.