Peran Financial Self-Efficacy Sebagai Variabel Intervening Terhadap Perilaku Pengelolaan Keuangan

Abstract

Perilaku pengelolaan keuangan adalah perbuatan serta keputusan yang dilaksanakan seseorang untuk mengatur sumber daya financial dengan efektif. Perilaku pengelolaan keuangan jadi masalah yang harus diperhatikan mahasiswa. Sebab mahasiswa mempunyai peranan krusial di perekonomian Indonesia. Riset ini bermaksud untuk memahami pengaruh literasi keuangan, pendidikan keuangan di keluarga, uang saku dan gaya hidup terhadap perilaku pengelolaan keuangan dengan financial self-efficacy sebagai variabel intervening. Jenis riset ini kuantitatif dengan total sampel 270 responden pada mahasiswa universitas di Kota Pekanbaru. Penentuan sampel menggunakan rumus Isaac dan Michael dengan prosedur pengambilan sampel non-probability dan menggunakan teknik purposive sampling. Metode analisis data menggunakan SEM-PLS 4.0. Hasil riset memperlihatkan literasi keuangan, pendidikan keuangan di keluarga, uang saku, gaya hidup serta financial self-efficacy berpengaruh positif signifikan terhadap perilaku pengelolaan keuangan. Literasi keuangan, pendidikan keuangan di keluarga, uang saku serta gaya hidup berpengaruh positif signifikan terhadap financial self-efficacy. Financial self-efficacy mampu memediasi literasi keuangan, pendidikan keuangan di keluarga, uang saku, dan gaya hidup terhadap perilaku pengelolaan keuangan. Artinya mahasiswa mempunyai perilaku pengelolaan keuangan yang baik, melalui perencanaan yang matang, kesadaran akan pentingnya anggaran dan dana darurat, serta keyakinan untuk mengatasi tantangan financial.

Abstract - Financial management behavior is the actions and decisions that a person implements to manage financial resources effectively. Financial management behavior is a problem that students must pay attention to. Because students have a crucial role in the Indonesian economy. This research intends to understand the influence of financial literacy, financial education in the family, pocket money, and lifestyle on financial management behavior with financial self-efficacy as an intervening variable. This type of research is quantitative, with a total sample of 270 respondents among university students in Pekanbaru City. The sample determination used Isaac and Michael's formula with a non-probability sampling procedure and using purposive sampling techniques. The data analysis method uses SEM-PLS 4.0. The results of the research show that financial literacy, financial education in the family, pocket money, lifestyle, and financial self-efficacy have a significant positive effect on financial management behavior. Financial literacy, financial education in the family, pocket money, and lifestyle have a significant positive effect on financial self-efficacy. Financial self-efficacy is able to mediate financial literacy, financial education in the family, pocket money, and lifestyle to financial management behavior. This means that students have good financial management behavior through careful planning, awareness of the importance of budgets and emergency funds, and confidence to overcome financial challenges.