Analisis Financial Knowledge Dan Financial Attitude Terhadap Financial Well-Being Dengan Financial Management Behavior Sebagai Variabel Intervening
Abstract
Penelitian ini bertujuan untuk menguji pengaruh financial knowledge dan financial attitude terhadap financial well-being dengan financial management behavior sebagai variabel intervening pada guru di YPI Al-Mahmud Bacem Ponggok Blitar. Jenis penelitian ini adalah kuantitatif dengan pendekatan Partial Least Square (PLS-SEM) menggunakan SmartPLS. Populasi penelitian terdiri dari 118 guru, dengan teknik pengambilan sampel total sampling. Hasil analisis menunjukkan bahwa financial knowledge berpengaruh positif dan signifikan terhadap financial management behavior (koefisien 0,534; T-statistik 7,031; P-value 0,000). Financial attitude juga berpengaruh positif signifikan terhadap financial management behavior. Selain itu, financial management behavior berpengaruh positif terhadap financial well-being, dan berperan sebagai variabel mediasi antara financial attitude dan financial well-being. Temuan ini mengindikasikan bahwa peningkatan pengetahuan dan sikap keuangan yang baik akan meningkatkan perilaku pengelolaan keuangan, yang pada akhirnya meningkatkan kesejahteraan keuangan guru.
References
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Doriza, S., Keluarga, P. K., Negeri, U., Kampus, J., Timur, J., Sidik, N. A., & Hamiyati, H. (2022). Hubungan Keperibadian Conscientiousness Dan Persepsi Subjektif Financial Distress Pekerja Garmen Wanita Lajang Usia Dewasa Muda. Jurnal Keluarga, 8(1). http://jurnal.ustjogja.ac.id/index.php/keluarga/index
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Humaidi, A., Khoirudin, M., Adinda, A. R., & Kautsar, A. (2020). The Effect of Financial Technology, Demography, and Financial Literacy on Financial Management Behavior of Productive Age in Surabaya, Indonesia. International Journal of Advances in Scientific Research and Engineering, 06(01), 77–81. https://doi.org/10.31695/ijasre.2020.33604
Humaira, I., & Sagoro, E. M. (2018). Pengaruh pengetahuan keuangan, sikap keuangan, dan kepribadian terhadap perilaku manajemen keuangan pada pelaku UMKM sentra kerajinan batik Kabupaten Bantul. Nominal Barometer Riset Akuntansi dan Manajemen, 7(1), 96-110.
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Kadoya, Y., & Rahim Khan, M. S. (2020). Financial literacy in Japan: New evidence using financial knowledge, behavior, and attitude. Sustainability (Switzerland), 12(9). https://doi.org/10.3390/su12093683
Kusairi, S., Sanusi, N. A., Muhamad, S., Shukri, M., & Zamri, N. (2019). Financial households’ efficacy, risk preference and saving behaviour: Lessons from lower-income households in Malaysia. Economics and Sociology, 12(2), 301– 318. https://doi.org/10.14254/2071-789X.2019/12-2/18
Kriyantono, R. (2020). Teknik praktis riset komunikasi kuantitatif dan kualitatif disertai contoh praktis Skripsi, Tesis, dan Disertai Riset Media, Public Relations, Advertising, Komunikasi Organisasi, Komunikasi Pemasaran. Rawamangun: Prenadamedia Group.
Khalisharani, H., Johan, I. R., & Sabri, M. F. (2022). The Influence of Financial Literacy and Attitude towards Financial Behaviour Amongst Undergraduate Students: A Cross-Country Evidence. Pertanika Journal of Social Sciences and Humanities, 30(2), 449–474. https://doi.org/10.47836/pjssh.30.2.03 Konsumen. (2024). Ojk.go.id. https://ojk.go.id/id/kanal/edukasi-dan-perlindungankonsumen/Pages/literasi-keuangan.aspx
Maris, S., Baptista, J., & Dewi, A. S. (2021). The Influence of Financial Attitude, Financial Literacy, and Locus of Control on Financial Management Behavior
Amalia, S.T. dan Asandimitra, N. (2022) ‘‘Pengaruh Income, Debt, Financial Strain, Financial Attitude, Dan Financial Literacy Dengan Financial Management Behavior Sebagai Variabel Mediasi Terhadap Financial Satisfaction Pengguna Fintech Lending Di Surabaya’’, Jurnal Ilmu Manajemen, 10(1), pp. 312–328. Tersedia pada: https:// journal.unesa.ac.id/index.php/jim/article/view/16533/7733
Asih, S.W. dan Khafid, M. (2020) ‘‘Pengaruh Financial Knowledge, Financial Attitude dan Income terhadap Personal Financial Management Behavior melalui Locus of Control sebagai Variabel Intervening’’, Economic Education Analysis Journal, 9(3), pp. 748–767. Tersedia pada: https:// journal.unnes.ac.id/sju/eeaj/article/view/42349/17291
Budiandriani dan Rosyadah, K. (2020) ‘‘The Influence of Financial Knowledge, Financial Attitudes and Personality to Financial Management Behavior for Micro, Small and Medium Enterprises Typical Food of Coto Makassar’’, Journal of Humanities and Social Studies, 4(2), pp. 152–156. Tersedia pada: https://journal.unpak.ac.id/index.php/jhss/article/view/2468/1805
Budiono, E. (2020) ‘‘Analisis Financial Knowledge, Financial Attitude, Income, Locus of Control, Financial Management Behavior Masyarakat Kota Kediri’’, Jurnal Ilmu Manajemen, 8(1), pp. 284–295. Tersedia pada: https:// core.ac.uk/download/pdf/270267809.pdf
Adiputra, I. G., & Patricia, E. (2020). The effect of financial attitude, financial knowledge, andincome on financial management behavior. In Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2019) (pp. 107-112). Atlantis Press.
Ana, A., Besri, O., Manajemenen, J., & Ekonomi, F. (2018). Universitas Islam Indonesia Yogyakarta.
Angelista, F. D., Anggraini, L. D., & Putri, A. U. (2024). Pengaruh Literasi Keuangan, Gaya Hidup dan Sikap Keuangan Terhadap Perilaku Keuangan Mahasiswa Pengguna Shopee Paylater. Journal of Trends Economics and Accounting Research, 4(3), 696–705. https://doi.org/10.47065/jtear.v4i3.1197
Arifin, A. Z., Anastasia, I., Siswanto, H. P., & Henny,. (2019). The Effects of Financial Attitude, Locus of Control, and Income on Financial Behavior. 59– 66. https://doi.org/10.5220/0008488200590066
Aydin, A. E., & Akben Selcuk, E. (2019). An investigation of financial literacy, money ethics and time preferences among college students: A structural equation model. International Journal of Bank Marketing, 37(3), 880–900. https://doi.org/10.1108/IJBM-05-2018-0120 Badan Pusat Statistik Kota Bandung. (2018). Bps.go.id. https://bandungkota.bps.go.id/indicator/12/103/1/penduduk-menurut kelompok-umur-dan-jenis-kelamin.html
Bapat, D. (2020). Antecedents to responsible financial management behavior among young adults: moderating role of financial risk tolerance. International Journal of Bank Marketing, 38(5), 1177–1194. https://doi.org/10.1108/IJBM- 10-2019-0356
Belayeth Hussain, A. H. M., Endut, N., Das, S., Chowdhury, M. T. A., Haque, N., Sultana, S., & Ahmed, K. J. (2019). Does financial inclusion increase financial resilience? Evidence from Bangladesh. Development in Practice, 29(6), 798– 807. https://doi.org/10.1080/09614524.2019.1607256
Bisnis, J. M., Atikah, A., & Kurniawan, R. R. (2020). Pengaruh Literasi Keuangan, Locus of Control, dan Financial Self Efficacy Terhadap Perilaku Manajemen Keuangan (Studi Pada PT. Panarub Industry Tangerang).
Bisnis, J. M., Kewirausahaan, D., Lukesi, E., Rahadjeng, E. R., & Satiti, N. R. (2021). Effect of Financial Attitudes, Financial Knowledge, Locus of Control, and Financial Self-Efficacy to Financial Management Behavior in Millennial Generation (Vol. 01, Issue 01). http://ejournal.umm.ac.id/index.php/
Budiono, E. (2020) Nomor 1-Jurusan Manajemen Fakultas Ekonomi Universitas Negeri Surabaya 2020 284 Analisis Financial Knowledge, Financial Attitude, Income, Locus of control. In Financial Management Behavior (Vol. 8).88
Damayanti, S. M., & Zakarias, R. (2020). Generasi Milenial sebagai Pengguna Fintech: Dampaknya terhadap Literasi dan Inklusi Keuangan di Indonesia. 7(2), 105–120. https://doi.org/10.35590/jeb.v6i2.1649
Dewi, V. I., Febrian, E., & Anwar, M. (2020). Financial Literacy among the Millennial Generation: Relationships between Knowledge, Skills, Attitude, and Behavior.
Doriza, S., Keluarga, P. K., Negeri, U., Kampus, J., Timur, J., Sidik, N. A., & Hamiyati, H. (2022). Hubungan Keperibadian Conscientiousness Dan Persepsi Subjektif Financial Distress Pekerja Garmen Wanita Lajang Usia Dewasa Muda. Jurnal Keluarga, 8(1). http://jurnal.ustjogja.ac.id/index.php/keluarga/index
Dwiastanti, A. (2017). Analysis of financial knowledge and financial attitude on locus of control and financial management behavior. MBR (Management and Business Review), 1(1), 1-8. EduRank. (2019). 25 Best Universities in Bandung [2024 Rankings]. EduRank.org - Discover University Rankings by Location. https://edurank.org/geo/bandung/
Ghozali, Imam. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25. Badan Penerbit Universitas Diponegoro: Semarang
Hidayah, N., & Bowo, A. (2018). Economic Education Analysis Journal Pengaruh Uang Saku, Locus Of Control, Dan Lingkungan Teeman Sebaya Terhadap Perilaku Konsumtif. http://journal.unnes.ac.id/sju/index.php/eeaj Handayani. (2020). Metode Penelitian Kualitatif & Kuantitatif. CV. Pustidaka Ilmu.
Hani, (2024). Hasil Survei APJII: Pengguna Internet di Indonesia Tembus 221 Juta, Mendominasi Gen Z | Komite. Komite.id. https://www.komite.id/2024/02/06/hasil-survei-apjii-pengguna-internet-diindonesia-tembus-221-juta-mendominasi genz
Hartati & Nurdin. (2019). Analisis Profitabilitas,Pertumbuhan Aset Dan Leverage Terhadap Nilai Perusahaan Dengan Ukuran Perusahaan Sebagai Variabel Moderator. Pengertian Metodologi Penelitian, 32–41.
Humaidi, A., Khoirudin, M., Adinda, A. R., & Kautsar, A. (2020). The Effect of Financial Technology, Demography, and Financial Literacy on Financial Management Behavior of Productive Age in Surabaya, Indonesia. International Journal of Advances in Scientific Research and Engineering, 06(01), 77–81. https://doi.org/10.31695/ijasre.2020.33604
Humaira, I., & Sagoro, E. M. (2018). Pengaruh pengetahuan keuangan, sikap keuangan, dan kepribadian terhadap perilaku manajemen keuangan pada pelaku UMKM sentra kerajinan batik Kabupaten Bantul. Nominal Barometer Riset Akuntansi dan Manajemen, 7(1), 96-110.
Ida, I., Zaniarti, S., & Wijaya, G. E. (2020). Financial Literacy, Money Attitude, Dan Financial Management Behavior Generasi Milenial. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 4(2), 406. https://doi.org/10.24912/jmieb.v4i2.9144
Indrawati. (2015). Metode Penelitian Manajemen dan Bisnis Konvergensi Teknologi dan Informasi. Bandung: PT. Refika Aditama.
Ismanto, H., Widiastuti, A., Muharam, H., Pangestuti, I. R. D., & Rofiq, F. (2019). Perbankan Dan Literasi Keuangan - Google Books. Deepublish. https://www.google.co.id/books/edition/Perbankan_Dan_Literasi_Keuangan/9qTODwAAQBAJ?hl=id&gbpv=1&dq=ismanto+perbankan+dan+literasi
+keuanga n&printsec=frontcover Infografis Hasil SNLIK Tahun 2022. (2022). Ojk.go.id. https://ojk.go.id/id/berita dan-kegiatan/info-terkini/Pages/Infografis-Survei-Nasional-Literasi-dan Inklusi-Keuangan-Tahun-2022.aspx
Kadoya, Y., & Rahim Khan, M. S. (2020). Financial literacy in Japan: New evidence using financial knowledge, behavior, and attitude. Sustainability (Switzerland), 12(9). https://doi.org/10.3390/su12093683
Kusairi, S., Sanusi, N. A., Muhamad, S., Shukri, M., & Zamri, N. (2019). Financial households’ efficacy, risk preference and saving behaviour: Lessons from lower-income households in Malaysia. Economics and Sociology, 12(2), 301– 318. https://doi.org/10.14254/2071-789X.2019/12-2/18
Kriyantono, R. (2020). Teknik praktis riset komunikasi kuantitatif dan kualitatif disertai contoh praktis Skripsi, Tesis, dan Disertai Riset Media, Public Relations, Advertising, Komunikasi Organisasi, Komunikasi Pemasaran. Rawamangun: Prenadamedia Group.
Khalisharani, H., Johan, I. R., & Sabri, M. F. (2022). The Influence of Financial Literacy and Attitude towards Financial Behaviour Amongst Undergraduate Students: A Cross-Country Evidence. Pertanika Journal of Social Sciences and Humanities, 30(2), 449–474. https://doi.org/10.47836/pjssh.30.2.03 Konsumen. (2024). Ojk.go.id. https://ojk.go.id/id/kanal/edukasi-dan-perlindungankonsumen/Pages/literasi-keuangan.aspx
Maris, S., Baptista, J., & Dewi, A. S. (2021). The Influence of Financial Attitude, Financial Literacy, and Locus of Control on Financial Management Behavior
Published
2026-04-28
How to Cite
KURNIAWATI, Septia Dwi; ARISYAHIDIN, Arisyahidin.
Analisis Financial Knowledge Dan Financial Attitude Terhadap Financial Well-Being Dengan Financial Management Behavior Sebagai Variabel Intervening.
Otonomi, [S.l.], v. 26, n. 1, p. 96-109, apr. 2026.
ISSN 2657-1684.
Available at: <https://ejournal.uniska-kediri.ac.id/index.php/otonomi/article/view/8794>. Date accessed: 25 may 2026.
doi: https://doi.org/10.32503/otonomi.v26i1.8794.
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Articles
This work is licensed under a Creative Commons Attribution 4.0 International License.
http://creativecommons.org/licenses/by/4.0
