Pengaruh Literasi Keuangan Digital, Penggunaan E-Commerce, dan Kreativitas terhadap Minat Kewirausahaan Siswa SMA melalui Efikasi Diri
The Effect of Digital Financial Literacy, E-Commerce Use, and Creativity on High School Students' Entrepreneurial Interest through Self-Efficacy
DOI:
https://doi.org/10.58230/04x16466Keywords:
Literasi Keuangan Digital, penggunaan e-commerce, kreativitas, minat kewirausahaan, PLS-SEM, siswa sekolah menengah atasAbstract
Penelitian ini mengkaji apakah literasi keuangan digital, penggunaan e-commerce, dan kreativitas berasosiasi dengan minat kewirausahaan siswa SMA, serta apakah efikasi diri memediasi asosiasi tersebut. Survei kuantitatif cross-sectional melalui Google Forms dilakukan terhadap 213 siswa kelas XI dan XII SMA Wachid Hasyim 5 Surabaya yang dipilih dengan purposive sampling. Data dianalisis dengan Partial Least Squares Structural Equation Modeling (PLS-SEM) menggunakan SmartPLS 4. Seluruh konstruk memenuhi kriteria reliabilitas, validitas konvergen, dan Fornell–Larcker, tetapi dua nilai HTMT melampaui 0,90 (efikasi diri–minat kewirausahaan, 0,944; penggunaan e-commerce–literasi keuangan digital, 0,908), yang menunjukkan kemungkinan tumpang tindih konstruk. Literasi keuangan digital (koefisien 0,153) dan kreativitas (koefisien 0,330) berpengaruh positif terhadap minat kewirausahaan, sedangkan penggunaan e-commerce tidak (koefisien 0,066). Ketiganya meningkatkan efikasi diri (koefisien 0,189; 0,235; dan 0,432), dan efikasi diri meningkatkan minat kewirausahaan (koefisien 0,434). Efek tidak langsung melalui efikasi diri positif (0,082; 0,102; dan 0,187), sehingga efikasi diri memediasi sebagian pengaruh literasi keuangan digital dan kreativitas serta memediasi penuh pengaruh penggunaan e-commerce. Model menjelaskan 77,4% varians minat kewirausahaan dan 60,1% varians efikasi diri. Karena data bersifat cross-sectional, berasal dari satu sekolah, dan menunjukkan masalah validitas diskriminan, hasil ini menunjukkan asosiasi statistik, bukan sebab-akibat, dan perlu ditafsirkan hati-hati. Sekolah dapat memperkuat kreativitas dan kepercayaan diri siswa bersama literasi keuangan digital.
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