Financial Literacy terhadap Financial Satisfaction: Peran Financial Risk Attitude sebagai Variabel Mediasi

Yulfiswandi Yulfiswandi, Irvin Ng, Delfina Delfina, Alexander Janio Wijaya, Fionna Quinn, Hardy Winata Lie

Abstract


Kemampuan seseorang untuk mengelola keuangan pribadinya adalah kunci utama untuk mencapai kepuasan finansial untuk individual. Tingkat keberhasilan pengelolaan keuangan secara pribadi juga dipengaruhi oleh faktor individual seperti literasi keuangan dan sikap terhadap risiko dalam keuangan. Oleh karena itu, dilakukan penelitian untuk menguji faktor-faktor yang memengaruhi kepuasan finansial seseorang. Penelitian ini memperoleh 118 responden sebagai sampel yang berasal dari Kota Batam dan telah berpenghasilan. Data penelitian bersifat primer karena dihasilkan dari kuesioner tertutup yang disajikan dalam google form. Data yang terkumpul dianalisis menggunakan metode partial least square dengan bantuan program SmartPLS. Berdasarkan hasil analisis, ditemukan bahwa financial literacy memengaruhi financial risk attitude secara positif, namun tidak memengaruhi financial satisfaction. Selain itu, financial risk attitude ditemukan tidak memengaruhi financial satisfaction. Penelitian ini juga menguji pengaruh tidak langsung dan tidak menemukan adanya pengaru dari financial literacy terhadap financial satisfaction melalui intervensi financial risk attitude.

Keywords


Keuangan Personal; Kepuasan Keuangan; Literasi Keungan; Sikap Risiko Keuangan

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References


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DOI: https://doi.org/10.37479/jimb.v6i2.19956

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Alamat Redaksi:

Fakultas Ekonomi Universitas Negeri Gorontalo

Jalan Jenderal Sudirman No. 6 Kota Gorontalo