Pengaruh Financial Literacy dan Financial Attitude terhadap Financial Well-Being Melalui Financial Behavior

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Published: Jan 31, 2025
DOI: https://doi.org/10.24912/jmk.v7i1.33013
Keywords:
financial literacy, financial attitude, financial behavior, financial well-being
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Jocelyn Andrene
Universitas Tarumanagara
Ary Satria Pamungkas
Universitas Tarumanagara

Abstract

Saat ini, laju penurunan kemiskinan dan kesenjangan di daerah perkotaan bergerak dengan lambat. Sebagai provinsi dengan tingkat penduduk yang padat, Provinsi Jawa Barat masih menghadapi ketimpangan sosial dan masalah kesejahteraan. Data Badan Pusat Statistik (BPS) menunjukkan Kabupaten Bogor memiliki jumlah penduduk miskin terbanyak di Provinsi Jawa Barat untuk tahun 2024. Penelitian ini dilakukan dengan tujuan untuk menguji pengaruh financial literacy dan financial attitude terhadap financial well-being dengan dimediasi oleh financial behavior. Populasi yang digunakan dalam penelitian ini adalah seluruh masyarakat Kabupaten Bogor yang telah berpenghasilan dan telah menyelesaikan jenjang pendidikan Strata 1 (S1) dimana sampel yang digunakan pada penelitian ini berjumlah 303 responden. Teknik analisis data yang digunakan dalam penelitian ini adalah Structural Equation Modeling (SEM) dengan software SmartPLS versi 4.1.0.8 digunakan untuk mendukung pengelolaan data. Hasil penelitian ini menunjukkan bahwa financial literacy dan financial behavior berpengaruh positif terhadap financial well-being, financial literacy dan financial attitude berpengaruh positif terhadap financial behavior, financial attitude tidak berpengaruh terhadap financial well-being, serta financial behaviormemiliki peran memediasi pengaruh financial literacy dan financial attitude terhadap financial well-being.
 

Currently, the rate of poverty reduction and inequality in urban areas is moving slowly. As a province with a high population density, West Java still faces social inequality and welfare issues. Data from Central Bureau of Statistics West Java shows that Bogor Regency has the highest number of poor residents in West Java for the year 2024. This research was conducted with the aim of examining the effect of financial literacy and financial attitude on the financial well-being of the people of Bogor Regency, mediated by financial behavior. The population in this research consists of all residents of Bogor Regency who already have an income and have completed a bachelor's degree (S1), with a sample size of 303 people used in this research. The data analysis technique used in this research is Structural Equation Modeling (SEM) with SmartPLS version 4.1.0.8 as the software that is used to support data processing. The results of this research show that financial literacy and financial behavior have a positive effect on financial well-being, financial literacy and financial attitude have a positive effect on financial behavior, financial attitude does not affect financial well-being, and financial behavior mediates the effect of financial literacy and financial attitude on financial well-being.

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Vol. 7 No. 1 (2025): Jurnal Manajerial dan Kewirausahaan
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Author Biographies

Jocelyn Andrene, Universitas Tarumanagara

Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara Jakarta

Ary Satria Pamungkas, Universitas Tarumanagara

Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara Jakarta

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