LITERASI KEUANGAN DAN PENGENDALIAN DIRI SEBAGAI PREDIKTOR KESEJAHTERAAN KEUANGAN : PERAN MEDIASI PERILAKU KEUANGAN
Keywords:
Indonesia
Abstract
Penelitan ini bertujuan untuk menganalisis pengaruh langsung dan tidak langsung literasi keuangan, pengendalian diri, dan perilaku keuangan terhadap kesejahteraan keuangan mahasiswa. Jenis penelitian ini adalah kuantitatif dengan pendekatan kausalitas. Kami merancang dan mendistribusikan kuesioner kepada sampel acak 266 mahasiswa di Semarang. Data dikumpulkan melalui kuesioner yang disebarkan menggunakan google-form. Teknik analisis data yang digunakan adalah analisis deskriptif dan analisis jalur. Hasil penelitian ini menunjukkan bahwa literasi keuangan, pengendalian diri dan perilaku keuangan berpengaruh langsung terhadap kesejahteraan keuangan. Perilaku keuangan berhasil memediasi hubungan literasi keuangan terhadap kesejahteraan keuangan. Temuan terakhir yaitu perilaku keuangan tidak mampu memediasi hubungan pengendalian diri terhadap kesejahteraan keuangan. Oleh karena itu penting bagi perumus kebijakan agar bisa meningkatkan upaya eskalasi pendidikan keuangan yang tidak hanya berfokus pada aspek kognitif seperti literasi keuangan melainkan juga aspek psikologis berupa pengendalian diri di kalangan mahasiswa.
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Bashir, I. dan Qureshi, I.H. (2023) “Examining theories, mediators and moderators in financial well-being literature: a systematic review and future research agenda,” Qualitative Research in Organizations and Management: An International Journal, 18(4), hal. 265–290. Tersedia pada: https://doi.org/10.1108/QROM-04-2022-2314.
Bilal, M. (2016) “Financial Wellbeing is the Goal of Financial Literacy,” Research Journal of Finance and Accounting, 7(11), hal. 94–103.
Brüggen, E.C. et al. (2017) “Financial well-being: A conceptualization and research agenda,” Journal of Business Research, 79, hal. 228–237. Tersedia pada: https://doi.org/10.1016/j.jbusres.2017.03.013.
Budiyanto, A. et al. (2024) “‘Factors affecting financial well-being: the mediating role of financial behavior towards religiosity and anti-consumption lifestyle – evidence from Indonesia,’” Investment Management and Financial Innovations, 21(3), hal. 187–198. Tersedia pada: https://doi.org/10.21511/imfi.21(3).2024.16.
Choung, Y., Chatterjee, S. dan Pak, T.Y. (2023) “Digital financial literacy and financial well-being,” Finance Research Letters, 58(PB), hal. 104438. Tersedia pada: https://doi.org/10.1016/j.frl.2023.104438.
Chu, Z. et al. (2017) “Financial Literacy, Portfolio Choice and Financial Well-Being,” Social Indicators Research, 132(2), hal. 799–820. Tersedia pada: https://doi.org/10.1007/s11205-016-1309-2.
Dare, S.E. et al. (2023) “How Executive Functioning and Financial Self-efficacy Predict Subjective Financial Well-Being via Positive Financial Behaviors,” Journal of Family and Economic Issues, 44(2), hal. 232–248. Tersedia pada: https://doi.org/10.1007/s10834-022-09845-0.
David Puelz, Robert Puelz, M.D. (2024) “Financial literacy and financial well-being,” The Routledge Handbook of Financial Literacy, hal. 505–516. Tersedia pada: https://doi.org/10.4324/9781003025221-38.
Dea Rusita, Besse Wediawati, Andang Fazri, R.R. (2025) “MODEL FINANCIAL SATISFACTION BERBASIS FINANCIAL LITERACY DAN SELF-CONTROL MELALUI FINANCIAL WELL-BEING PADA KARYAWAN,” Jurnal Kajian Ekonomi, Manajemen, & Akuntansi, 6(2), hal. 234–249.
Deuflhard, F. dan Georgarakos, D. (2019) “Financial literacy and savings account returns,” Journal of the European Economic Association, 85(6). Tersedia pada: https://doi.org/10.20955/r.85.67.
Farida, M.N., Soesatyo, Y. dan Aji, T.S. (2021) “Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior,” International Journal of Education and Literacy Studies, 9(1), hal. 86. Tersedia pada: https://doi.org/10.7575/aiac.ijels.v.9n.1p.86.
Farooq, M. (2019) “Impact of Self-Control, Financial Literacy and Financial Behavior on Financial Well-Being,” The Journal of Social Sciences Research, (51), hal. 211–218. Tersedia pada: https://doi.org/10.32861/jssr.51.211.218.
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Fred van Raaij, W., Riitsalu, L. dan Põder, K. (2023) “Direct and indirect effects of self-control and future time perspective on financial well-being,” Journal of Economic Psychology, 99. Tersedia pada: https://doi.org/10.1016/j.joep.2023.102667.
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Published
2026-02-28
How to Cite
Aningsih, S., & Susilowati, N. (2026). LITERASI KEUANGAN DAN PENGENDALIAN DIRI SEBAGAI PREDIKTOR KESEJAHTERAAN KEUANGAN : PERAN MEDIASI PERILAKU KEUANGAN. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 10(1), 1229-1251. https://doi.org/10.31955/mea.v10i1.7146
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