MONEY DYSMORPHIA: TANTANGAN PSIKOLOGIS DAN STRATEGI REKONSTRUKSI MINDSET INVESTASI BAGI MAHASISWA DI ERA DIGITAL

Abstract

The financial condition shaped by digital environmental pressures. This artikel examines how the social media ecosystem constructs social comparison mechanisms that ultimately distort students' financial perceptions and impede the formation of healthy investment behaviors. Employing a behavioral finance and Social Comparison Theory approach, the artikel analyzes two destructive behavioral patterns engendered by money dysmorphia: investment paralysis and excessive speculative behavior. Conceptual findings indicate that the core problem lies not in limited access or capital, but in perceptual distortions that obstruct rational financial decision-making. As a response, this artikel introduces the RESET framework (Realize, Evaluate, Shift Mindset, Educate, Take Action) as a comprehensive model for transforming students' investment mindset. The framework's implications are expected to serve as a foundation for developing more contextually grounded, psychology-based financial literacy programs for students in the digital age.