Pengaruh Financial Literacy, Financial Knowledge, Financial Strain, Financial Attitude dan Debt terhadap Financial Satisfaction pada Pekerja Kabupaten Sidoarjo : Financial Behavior as Variabel Mediasi

The Influence of Financial Literacy, Financial Knowledge, Financial Strain, Financial Attitude and Debt on Financial Satisfaction in Workers in Sidoarjo Regency: Financial Behavior as Mediation Variable

Penelitian ini bertujuan untuk menguji pengaruh financial literacy, financial knowledge, financial strain, financial attitude terhadap financial satisfaction dengan financial behavior sebagai variabel mediasi pada pekerja Kab. Sidoarjo jumlah sampel yang digunakan sebanyak 225 responden. Software yang digunakan yaitu AMOS versi 24 dengan Teknik analisis Structural Equation Modeling. Data yang telah terkumpul dianalisis menggunakan teknik analisis data seperti uji validitas, uji reliabilitas, uji outlier, uji normalitas, uji goodness of fit, uji hipotesis, uji koefisien determinasi (R2), dan Uji Sobel. Hasil penelitian ini menunjukkan bahwa financial literacy dan financial strain tidak berpengaruh terhadap financial satisfaction karena mayoritas responden adalah anak berusia 18-25 tahun sehingga masih membutuhkan waktu agar dapat mengevaluasi pengalaman keuangan yang dialaminya serta terdapat bantuan yang diberikan oleh orang tuanya yang membuat variabel tersebut ix tidak memberikan pengaruh. Financial strain tidak berpengaruh terhadap financial satisfaction. Sedangkan financial knowledge, financial attitude, dan debt berpengaruh signifikan terhadap financial satisfaction. Financial behavior mampu memberikan mediasi financial literacy dan financial attitude terhadap financial satisfaction. 

This quantitative research was conducted to examine the effect of financial literacy, financial knowledge, financial pressure, financial attitudes on financial satisfaction with financial behavior as a mediating variable for Kab. Sidoarjo The number of samples used was 225 respondents. The software used is AMOS version 24 with the Structural Equation Modeling analysis technique. The collected data were analyzed using data analysis techniques such as validity test, reliability test, outlier test, normality test, goodness of fit test, hypothesis test, coefficient of determination test (R2), and Sobel test. The results of this study indicate that financial literacy and financial strain have no effect on financial satisfaction because the majority of respondents are children aged 18-25 years so they still need time to be able to evaluate their financial experiences and there is assistance provided by their parents which makes these variables not give influence. and financial strain has no effect on financial satisfaction. Meanwhile, financial knowledge, financial attitude, and debt have a significant effect on financial satisfaction. And financial behavior is able to mediate financial literacy and financial attitudes towards financial satisfaction.