KEPUASAN KEUANGAN : KARAKTERISTIK SOSIAL-EKONOMI, SIFAT-SIFAT KEPRIBADIAN, LITERASI KEUANGAN, PERILAKU KEUANGAN

  • Rizki Sari Eka Putri Universitas Esa Unggu
  • Agus Munandar Universitas Esa Unggu

Abstract

Setiap orang yang bekerja berhak memperoleh imbalan pendapatan berupa gaji/upah, termasuk Pegawai Negeri Sipil (PNS). Pendapatan PNS tersebut harus dikelola dengan baik untuk memenuhi standar kehidupan minimum/layak. Semakin tinggi pendapatan individu maka semakin mudah baginya mencukupi kebutuhan sehingga kondisi keuangannya dapat mencapai titik kepuasan. Berdasarkan hal tersebut, penelitian ini bertujuan untuk menguji pengaruh karakteristik sosial-ekonomi, sifat-sifat kepribadian dan literasi keuangan dengan mediasi perilaku keuangan. Penelitian dilakukan dengan metode Structural Equation Modeling (SEM) dengan menggunakan SmartPLS 3.0 terhadap 415 responden PNS Kementerian Dalam Negeri yang ditetapkan secara purposive. Beberapa hasil riset menemukan karakteristik sosial ekonomi, kepribadian conscientiousness dan literasi keuangan terbukti berpengaruh positif dan signifikan terhadap kepuasan keuangan, sedangkan kepribadian openness to experince, extraversion, agreeableness, dan neuroticism tidak berpengaruh terhadap kepuasan keuangan. Sementara itu, perilaku keuangan hanya mampu memediasi pengaruh kepribadian conscientiousness dan literasi keuangan terhadap kepuasan keuangan.

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Published
2024-01-11
How to Cite
Putri, R., & Munandar, A. (2024). KEPUASAN KEUANGAN : KARAKTERISTIK SOSIAL-EKONOMI, SIFAT-SIFAT KEPRIBADIAN, LITERASI KEUANGAN, PERILAKU KEUANGAN. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 8(1), 32-55. https://doi.org/10.31955/mea.v8i1.3559
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