Article Sidebar

Submitted
May 3, 2026
Published
June 30, 2026
Download
PDF
Statistic
Read Counter : 3 Download : 2

Main Article Content

Abstract

This study is motivated by the increasing number of online gambling cases in Indonesia, which has developed into a serious social, economic, and financial well-being issue for society. West Java Province has recorded the highest number of online gambling cases in Indonesia, involving 535,644 individuals with a transaction value of approximately IDR 3.8 trillion. The high prevalence of online gambling has placed Indonesia in a state of financial health emergency. This study aims to examine and analyze the influence of financial literacy and religiosity on online gambling behavior, as well as its impact on the financial health of the younger generation in Parung District. This study employed a quantitative research design using path analysis with the assistance of SPSS software. The variables examined in this study were financial literacy (X1), religiosity (X2), online gambling behavior (Z), and financial health (Y). The results of Model I show that financial literacy and religiosity have a significant negative effect on online gambling behavior. Meanwhile, the results of Model II indicate that only financial literacy has a significant effect on financial health, whereas religiosity has no significant effect on financial health.

Keywords

Financial Literacy Religiosity Online Gambling Young Generation Financial Health

Article Details

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

References

  1. Addiyansyah, Wahfidz, and Rofi’ah. “Kecanduan Judi Online di Kalangan Remaja Desa Cilebut Barat Kecamatan Sukaraja Kabupaten Bogor.” Manifesto: Jurnal Gagasan Komunikasi, Politik dan Budaya, 1, No. 1 (2023): 13–22. https://journal.awatarapublisher.com/index.php/manifesto/article/view/27.
  2. Anand, Swati, Kushendra Mishra, Vishal Verma, and Taruna Taruna. “Financial Literacy as a Mediator of Personal Financial Health During COVID-19: A Structural Equation Modelling Approach.” Emerald Open Research, 1, No. 4 (2021): 1–20. https://doi.org/10.35241/emeraldopenres.13735.2.
  3. Banyumas, Pemerintah Kabupaten. “Membangun Generasi Berkarakter Pancasila Menuju Indonesia Emas 2045.” Badan Kesatuan Bangsa dan Politik, 2023. https://kesbangpol.banyumaskab.go.id.
  4. Barone, Chiara, and Guendalina Graffigna. “Financial Literacy and Economic Attitudes as Protective Factors Against Pathological Gambling? A Systematic Review.” Journal of Gambling Studies, 41, No. April (2025): 489–514. https://link.springer.com/article/10.1007/s10899-025-10375-1.
  5. Binde, Per. “Gambling and Religion: Histories of Concord and Conflict.” Journal of Gambling Issues, 20, No. 1 (2007): 145–65. https://doi.org/10.4309/jgi.2007.20.4.
  6. Calado, Filipa, Mike Vernon, Filip Nuyens, Joana Alexandre, and Mark D. Griffiths. “How Does Religiosity Influence Gambling? A Cross-Cultural Study Between Portuguese and English Youth.” Journal of Gambling Studies, 40, No. 2 (2023): 1005–19. https://doi.org/10.1007/s10899-023-10269-0.
  7. Chassapis, Dimitris, and Evanthis Chatzivasileiou. “Socio-Cultural Influences on Children’s Conceptions of Chance and Probability.” In International Mathematics Education and Society Conference, 197–206. Thessaloniki: Aristotle University of Thessalonik, 2008.
  8. Chetioui, Youssef, Hind Lebdaoui, Tahar Harkat, Hajar Chetioui, Chaimae Jerbouri, and Mohamed Makhtari. “On the Link Between Financial Literacy and Financial Well-Being in Times of Economic Stagnation: An Integrated Framework.” International Journal of Social Economics, 53, No. 5 (2026): 816–31. https://doi.org/10.1108/IJSE-02-2023-0153.
  9. Effendi, Ridwan, Vidi Sukmayadi, Mina Holilah, and Muhammad Endriski Agraenzopati Haryanegara. “A Decade of Financial Literacy Research in Indonesia: A Bibliometric Review (2014-2024).” Social Sciences & Humanities Open, 14, No. Dec (2026): 1–9. https://doi.org/10.1016/j.ssaho.2026.103149.
  10. Ellison, Christopher G., and Michael J. McFarland. “Religion and Gambling Among U.S. Adults: Exploring the Role of Traditions, Beliefs, Practices, and Networks.” Journal for The Scientific Study of Religion, 50, No. 1 (2011): 82–102. https://doi.org/10.1111/j.1468-5906.2010.01553.
  11. Fatihudin, Didin, Musriha, Wiwi Wikanta, and Hammadi Fauzi. “The Linkage of Salt Farmer’s Financial Literacy with Salt’s Productivity, Capital, Price and Market Access.” Matrik Jurnal Manajemen Strategi Bisnis dan Kewirausahaan, 16, No. 1 (2022): 141–50. 10.24843/MATRIK:JMBK.2022.v16.i01.p11.
  12. Koenig, Harold, Dana King, and Verna B. Carson. Handbook of Religion and Health. 2nd ed. New York: Oxford University Press, 2012.
  13. Long Xiao, and Jingxia Ma. “The Impact of Financial Literacy on Education Investment: Empirical Evidence from Low-Income Youth.” Finance Research Letters, 106 (2026). https://doi.org/10.1016/j.frl.2026.110316.
  14. Lusardi, Annamaria, and Jialu L. Streeter. “Financial Literacy and Financial Well-Being: Evidence from The US.” Journal of Financial Literacy and Wellbeing, 1, No. 2 (2023): 169–98. https://doi.org/10.1017/flw.2023.13.
  15. Moreira-Almeida, Alexander, Francisco Lotufo Neto, and Harold G Koenig. “Religiousness and Mental Health: A Review.” Brazilian Journal of Psychiatry, 28, No. 3 (2006): 242–50. https://doi.org/10.1590/S1516-44462006005000006.
  16. Mukhid, Abd. Metodologi Penelitian Pendekatan Kuantitatif. Surabaya: Jakad Media Publishing, 2021.
  17. Muntazar. “Pengaruh Judi Online Terhadap Etos Kerja Pemuda di Dusun Pabbambaeng Desa Anrihua Kecamatan Kindang Kabupaten Bulukumba.” Universitas Islam Negeri Alauddin Makassar, 2023. https://repositori.uin-alauddin.ac.id/view/creators/Muntazar=3AMuntazar=3A=3A.html.
  18. Otoritas Jasa Keuangan. “POJK No. 3 Tahun 2023 Tentang Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan Bagi Konsumen dan Masyarakat.” ojk.go.id, 2023.
  19. Pinilas, Rifaldi, Ronny Gosal, and Ventje Kasenda. “Partisipasi Generasi Muda dalam Pelaksanaan Pembangunan (Studi Kasus di Desa Damau Kecamatan Damau Kabupaten Talaud).” Jurnal Eksekutif, 2, No. 2 (2017): 1–11. https://ejournal.unsrat.ac.id/v3/index.php/jurnaleksekutif/article/view/18244.
  20. Sari, Novita Erliana, Yogiswara Arimurti, Dhiah Fitrayati, and Farida Styaningrum. “Judi Slot di Kalagan Gen-Z Ditinjau dari Pendidikan Pengelolaan Keuangan Keluarga (Studi Kasus di Anak Pekerja Migran Ponorogo).” Jurnal Ekonomi dan Pendidikan, 21, No. 2 (2024): 63–75. https://doi.org/10.21831/jep.v21i2.78737.
  21. Takona, James P. “Research Design: Qualitative, Quantitative, and Mixed Methods Approaches / Sixth Edition.” Quality and Quantity, 2024. https://doi.org/10.1007/s11135-023-01798-2.
  22. Widyastuti, Umi, Usep Suhud, and Ati Sumiati. “The Impact of Financial Literacy on Student Teachers’ Saving Intention and Saving Behaviour.” Mediterranean Journal of Social Sciences, 7, No. 6 (2016): 41–48. https://doi.org/10.5901/mjss.2016.v7n6p41.
  23. Xiao, Jing Jian. “Consumer Financial Capability and Wellbeing.” Handbook of Consumer Finance Research, 2016, 3–17. https://doi.org/10.1007/978-3-319-28887-1_1.