PENGARUH FINANCIAL LITERACY DAN UANG SAKU TERHADAP PERILAKU PENGELOLAAN KEUANGAN DENGAN FINANCIAL SELF EFFICACY SEBAGAI VARIABEL MODERATING PADA SISWA KELAS XI AKL SMK NEGERI 1 SURABAYA

THE EFFECT OF FINANCIAL LITERACY AND POCKET MONEY ON FINANCIAL MANAGEMENT BEHAVIOR WITH FINANCIAL SELF EFFICACY AS A MODERATING VARIABLE IN CLASS XI AKL STUDENTS OF SMK NEGERI 1 SURABAYA

Tujuan dari riset ini adalah untuk mengetahui financial self efficacy mampu memoderasi pengaruh financial literacy dan uang saku terhadap perilaku pengelolaan keuangan pada siswa kelas XI akuntansi dan keuangan lembaga SMK Negeri 1 Surabaya tahun ajar 2023/2024. Jenis riset ini adalah deskriptif dengan pendekatan kuantitatif. Teknik pengambilan data primer menggunakan kuesioner pada variabel uang saku, financial self efficacy dan perilaku pengelolaan keuangan sedangkan variabel financial literacy menggunakan soal tes pilihan ganda sesuai standart PISA (Programme for International Student Assessment) yang sudah disesuaikan dengan karakteristik siswa Indonesia. Pada riset ini teknik pengolahan dan analisis data menggunakan analisis SEM-PLS. Hasil riset ini menunjukkan bahwa financial literacy berpengaruh terhadap perilaku pengelolaan keuangan, uang saku berpengaruh terhapat perilaku pengelolaan keuangan financial self efficacy dapat memoderasi pengaruh financial literacy terhadap perilaku pengelolaan keuangan, dan financial self efficacy tidak dapat memoderasi pengaruh uang saku terhadap perilaku pengelolaan keuangan siswa kelas XI AKL SMK Negeri 1 Surabaya. Pada riset ini, financial self efficacy berperan sebagai quasi moderator, dimana financial self efficacy memiliki interaksi dengan eksogen maupun endogen serta menjadi predictor atas variabel yang diteliti. Bagi peneliti selanjutnya, diharapkan dapat memperluas sampel di beberapa instansi pendidikan SMK untuk memperkuat temuan penelitian, memperbanyak variabel yang diteliti seperti financial inclusion dan financial anxiety. 

The purpose of this research is to determine whether financial self-efficacy is able to moderate the influence of financial literacy and pocket money on financial management behavior in class XI accounting and finance students at SMK Negeri 1 Surabaya for the 2023/2024 academic year. This type of research is descriptive with a quantitative approach. The primary data collection technique uses a questionnaire on the pocket money, financial self-efficacy and financial management behavior variables, while the financial literacy variable uses multiple choice test questions according to PISA (Program for International Student Assessment) standards which have been adapted to the characteristics of Indonesian students. In this research, data processing and analysis techniques use SEM-PLS analysis. The results of this research show that financial literacy influences financial management behavior, pocket money influences financial management behavior, financial self-efficacy can moderate the influence of financial literacy on financial management behavior, and financial self-efficacy cannot moderate the influence of pocket money on financial management behavior of class XI students AKL SMK Negeri 1 Surabaya. In this research, financial self-efficacy acts as a quasi moderator, where financial self-efficacy has interactions with exogenous and endogenous factors and becomes a predictor of the variables studied. For future researchers, it is hoped that they can expand the sample in several vocational education institutions to strengthen research findings, increase the number of variables studied such as financial inclusion and financial anxiety.