Pengaruh Financial Literacy dan Financial Self-efficacy terhadap Financial Satisfaction dengan Financial Management Behavior sebagai Variabel Mediasi
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Abstract
The purpose of this study was to determine the effect of financial literacy and financial self-efficacy on financial satisfaction by adding the mediating effect of financial management behavior. The population in this study are all people who already have income in the DKI Jakarta area. The number of samples in this study was 250 respondents. The test used in this study uses the SEM-PLS data analysis technique. The results of this study indicate that there is no influence of financial literacy on financial satisfaction and there is a positive influence of financial self-efficacy on financial satisfaction. Instead, it was found that financial literacy can have a positive and significant effect on financial satisfaction through the mediation of financial management behavior with the meaning of full mediation. It can be interpreted that financial management behavior has an important role so financial literacy can affect financial satisfaction.
Tujuan penelitian ini untuk mengetahui pengaruh financial literacy dan financial self-efficacy terhadap financial satisfaction dengan menambahkan pengaruh mediasi financial management behavior. Populasi dalam penelitian ini adalah semua masyarakat yang telah mempunyai penghasilan di wilayah DKI Jakarta. Jumlah sampel pada penelitian ini terdapat 250 responden. Pengujian yang digunakan dalam penelitian ini menggunakan teknik analisis data SEM-PLS. Hasil penelitian ini menunjukkan tidak memiliki pengaruh financial literacy terhadap financial satisfaction dan terdapat pengaruh positif financial self-efficacy terhadap financial satisfaction. Selain itu, ditemukan hasil bahwa financial literacy dapat berpengaruh secara positif dan signifikan terhadap financial satisfaction melalui adanya mediasi financial management behavior dengan makna full mediation. Dapat diartikan bahwa financial management behavior memiliki peran penting sehingga financial literacy dapat memengaruhi financial satisfaction.
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