Financial Resilience dalam Perspektif Financial Awareness dan Impulse Buying pada Konteks Nano Influencer : A Systematic Literature Review

Abstract

This study aims to examine the relationship between financial awareness, impulse buying, and financial resilience in the context of nano influencers in the digital economy era. A Systematic Literature Review method was employed by analyzing 12 relevant journal articles discussing financial behavior, digital consumption, social media influence, and individual financial resilience. The findings indicate that financial awareness plays an important role in encouraging responsible financial behavior, improving financial planning, and strengthening individuals’ ability to withstand economic pressures. However, impulse buying tendencies may weaken financial management, reduce savings capacity, and increase the risk of financial difficulties. Furthermore, the growth of social media platforms and the convenience of digital payment systems contribute to increasingly consumptive behavior among users. Nano influencers also affect purchasing decisions because they are often perceived as trustworthy, authentic, and closely connected to their audiences. Their recommendations may encourage followers to make unplanned purchases, particularly when promotional content is presented persuasively. Overall, financial resilience is influenced by interconnected internal factors, such as awareness and self-control, and external factors, including social media exposure and influencer marketing. Therefore, strong financial management skills and critical consumption awareness are essential for effectively managing spending pressures and maintaining financial stability in the digital era.