Pengaruh Financial Literacy, Financial Self Efficacy, Dan Financial Management Behavior Pada ASN Kantor Kecamatan Di Wilayah Surabaya Selatan

Pengaruh Financial Literacy, Financial Self Efficacy, Dan Financial Management Behavior Pada ASN Kantor Kecamatan Di Wilayah Surabaya Selatan

ABSTRAK

Tujuan penelitian ini adalah untuk mengetahui bagaimana pengaruhfinancial literacy, financial self-efficacy, dan financial attitude terhadap financial management behaviorpada ASN di Kecamatan Surabaya Selatan. Penelitian ini terdiri dari dua jenis variabel yaitu variabel independen dan variabel dependen. financial literacy, financial self-efficacy, dan financial attitude dinilai sebagai variabel independen, dengan financial management behavior sebagai variabel dependen. Landasan teori yang digunakan antara lain theory of planned behavior, financial literacy, financial self-efficacy, financial attitude, dan financial management behavior. Penelitian ini menggunakan metode kuantitatif, dan pengumpulan data dilakukan dengan penyebaran kuesioner. Populasi penelitian ini adalah ASN dari kecamatan di Wilayah Surabaya Selatan, dengan jumlah sampel sebanyak 216. Teknik penentuan sampel dilakukan dengan sampel proporsional. Data dalam penelitian ini dianalisis dengan SEM-PLS. Studi tersebut menemukan bahwa financial literacy, financial self-efficacy, dan financial attitude berpengaruh terhadap financial management behavior.

 

Kata kunci: Financial Literacy, Financial Self-Efficacy, Financial Attitude, Financial Management Behavior

ABSTABSTRACT

The purpose of this study was to determine how financial literacy, financial self-efficacy, and financial attitude affect financial management behavior in ASN in South Surabaya District. This study consists of two types of variables, namely independent variables and dependent variables. financial literacy, financial self-efficacy, and financial attitude are considered as independent variables, with financial management behavior as the dependent variable. The theoretical foundations used include theory of planned behavior, financial literacy, financial self-efficacy, financial attitude, and financial management behavior. This research uses quantitative methods, and data collection is done by distributing questionnaires. The population of this study was ASN from sub-districts in the South Surabaya Region, with a total sample size of 216. The sampling technique was carried out with a proportional sample. The data in this study were analyzed with SEM-PLS. The study found that financial literacy, financial self-efficacy, and financial attitude affect financial management behavior.

Key words: Financial Literacy, Financial Self-Efficacy, Financial Attitude, Financial Management Behavior