PENGARUH INCOME DEBT GENDER DIFFERENCES FINANCIAL LITERACY DAN FINANCIAL ATTITUDE TERHADAP FINANCIAL SATISFACTION

THE EFFECT OF INCOME DEBT GENDER DIFFERENCES FINANCIAL LITERACY AND FINANCIAL ATTITUDE ON FINANCIAL SATISFACTION

Penelitian ini mengkaji financial satisfaction pada kalangan karyawan di Kabupaten Sidoarjo serta menganalisis hubungan antara income debt gender differences financial literacy dan financial attitude Objek penelitian ini adalah karyawan di Kabupaten Sidoarjo dan teknik pengumpulan data menggunakan teknik purposive sampling dan snowball sampling Total responden yang diperoleh adalah 298 dengan menyebarkan kuesioner secara online Penelitian ini bersifat konklusif kausalitas dan menggunakan teknik analisis Structural Equation Modeling SEM pada software AMOS versi 24 Hasil penelitian ini menunjukkan bahwa debt dan financial attitude berpengaruh signifikan terhadap financial satisfaction sedangkan variabel income gender differences dan financial literacy tidak berpengaruh terhadap financial satisfaction Kajian ini dapat menjadi referensi yang bermanfaat bagi berbagai pihak khususnya buruh karyawan pegawai dimana sebaiknya selalu bertindak dan bersikap baik dalam hal keuangan karena sikap terhadap keuangan berperan penting untuk menentukan keberhasilan atau kegagalan perilaku keuangan individu Tingginya sikap keuangan individu dapat menentukan tingginya kesadaran dalam bertanggungjawab atas pengeluaran keuangannya sehingga akan menimbulkan dampak positif pada perilaku manajemen keuangan untuk mencapai kepuasan keuangan pribadi

This study examines the financial satisfaction among the employees in the District of Sidoarjo as well as to analyze the relationship between income debt gender differences financial literacy and financial attitude The object of this research is the employees in the District of Sidoarjo and techniques of data collection using the technique of purposive sampling and snowball sampling Total respondents obtained is 298 by distributing questionnaires online This research is conclusive causality and using the analysis technique of Structural Equation Modeling SEM in AMOS software version 24 The results of this study showed that the debt and financial attitude have a significant effect on financial satisfaction while the variable income gender differences and financial literacy does not affect the financial satisfaction This study can be a useful reference for a variety of parties especially labour employees employee where you should always act and behave better in financial terms because the attitude towards finance plays an important role to determine the success or failure of the financial behavior of individuals The high attitude of the individual financial can determine the high awareness in responsible for the expenditure of finances so it will cause a positive impact on the behavior of financial management to achieve the satisfaction of personal finance