ANALISIS FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, DAN INCOME TERHADAP FINANCIAL SATISFACTION MELALUI FINANCIAL BEHAVIOUR SEBAGAI VARIABEL MEDIASI DI ERA PANDEMI COVID-19

ANALYSIS OF FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, AND INCOME ON FINANCIAL SATISFACTION THROUGH FINANCIAL BEHAVIOR AS MEDIATION VARIABLES IN THE COVID-19 PANDEMIC ERA

Nasrulloh, 2022. Analisis Financial Attitude, Financial Knowledge, dan Income terhadap Financial Satisfaction Melalui Financial Behaviour Sebagai Variabel Mediasi di Era Pandemi Covid-19. Tesis, Program Studi S2 Manajemen Pasca Sarjana Universitas Negeri Surabaya. Pembimbing: (I) Dr. Ulil Hartono, S.E., M.Si dan (II) Dr. Tony Seno Aji, S.E., M.E.

Kata kunci: Financial Attitude, Financial Knowledge, Income, Financial Behaviour, Financial Satisfaction

Penelitian ini bertujuan untuk menganalisis Financial Attitude, Financial Knowledge, dan Income terhadap Financial Satisfaction melalui Financial Behaviour sebagai Variabel Mediasi di Era Pandemi Covid-19. Riset ini ialah jenis penelitian kuantitatif. Variabel yang dipakai penelitian ini dibagi menjadi variabel dependen atau variabel terikat yakni financial satisfaction, variabel mediasi yaitu financial behaviour, dan variabel independen atau variabel bebas yakni financial attitude, financial knowledge, dan income.

Penelitian ini didapat dengan menyebarkan kuesioner online melalui Whatsapp, Google Formulir, dan Gmail kepada 200 pekerja perusahaan yang bekerja di Kabupaten Gresik. Pengolahan data menggunakan Structural Equation Modeling (SEM) dengan menggunakan alat analisis AMOS 24.0.Teknik estimasi yang digunakan adalah maximum likelihood (ML).

Berdasarkan hasil penelitian, diketahui bahwa Financial attitude tidak berpengaruh signifikan terhadap Financial behaviour.  Financial knowledge  berpengaruh positif signifikan terhadap Financial behaviour .  Income berpengaruh negatif signifikan  terhadap Financial behaviour. Financial behaviour berpengaruh positif signifikan terhadap Financial satisfaction. Financial attitude tidak berpengaruh signifikan terhadap Financial satisfaction. Financial knowledge  tidak berpengaruh signifikan terhadap Financial satisfaction.  Income tidak berpengaruh signifikan terhadap Financial satisfaction. Financial behaviour tidak memediasi pengaruh Financial attitude terhadap Financial satisfaction.  Financial behaviour memediasi pengaruh Financial Knowledge terhadap Financial satisfaction. Financial Behaviour tidak memediasi pengaruh Income terhadap Financial satisfaction.

Nasrulloh, 2022. Analysis of Financial Attitude, Financial Knowledge, and Income on Financial Satisfaction through Financial Behavior as a Mediation Variable in the Era of the Covid-19 Pandemic. Thesis, Management Study Program, Post graduate, Surabaya State University. Advisor: (I) Dr. Ulil Hartono, S.E., M.Si dan (II) Dr. Tony Seno Aji, S.E., M.E.

Key Words: Financial Attitude, Financial Knowledge, Income, Financial Behaviour, Financial Satisfaction

This study aims to analyze Financial Attitude, Financial Knowledge, and Income on Financial Satisfaction through Financial Behavior as a Mediation Variable in the Era of the Covid-19 Pandemic. This research is a type of quantitative research. The variables used in this study are divided into dependent variables or dependent variables, namely financial satisfaction, mediating variables, namely financial behavior, and independent variables or independent variables, namely financial attitude, financial knowledge, and income. Based on the results of the study, it is known that financial attitude has no significant effect on financial behavior. Financial knowledge has a significant positive effect on financial behavior. Income has a significant negative effect on financial behavior.

This research was obtained by distributing online questionnaires via Whatsapp, Google Forms, and Gmail to 200 company workers working in Gresik Regency. Data processing uses Structural Equation Modeling (SEM) using AMOS 24.0 analysis tool. The estimation technique used is maximum likelihood (ML).

Based on the results of the study, it is known that financial attitude has no significant effect on financial behavior. Financial knowledge has a significant positive effect on financial behavior. Income has a significant negative effect on financial behavior. Financial behavior has a significant positive effect on financial satisfaction. Financial attitude has no significant effect on financial satisfaction. Financial knowledge has no significant effect on financial satisfaction. Income has no significant effect on financial satisfaction. Financial behavior does not mediate the influence of financial attitude on financial satisfaction. Financial behavior mediates the influence of Financial Knowledge on Financial satisfaction. Financial Behavior does not mediate the effect of Income on Financial satisfaction.