DETERMINAN KEPUASAN KEUANGAN: STUDI PADA PENGGUNA PAYLATER DI JABODETABEK

Annisa Nurur Rahman; Umi Widyastuti; Destria Kurnianti

doi:10.31539/costing.v7i5.11076

Annisa Nurur Rahman Universitas Negeri Jakarta
Umi Widyastuti Universitas Negeri Jakarta
Destria Kurnianti Universitas Negeri Jakarta

DOI: https://doi.org/10.31539/costing.v7i5.11076

Keywords: Financial Satisfaction, Financial Self-Efficacy, Financial Management Behavior

Abstract

Penelitian ini dilakukan pada 535 responden pengguna paylater di Jabodetabek dengan tujuan untuk mengkaji pengaruh perilaku pengelolaan keuangan, pengetahuan keuangan, dan financial self-efficacy terhadap kepuasan keuangan. Metode analisis data yang digunakan adalah Structural Equation Modeling (SEM) berbasis kovarians dengan program AMOS 22. Hasil penelitian menunjukkan bahwa perilaku pengelolaan keuangan berpengaruh positif dan signifikan terhadap kepuasan keuangan. Pengetahuan keuangan tidak memiliki pengaruh langsung terhadap kepuasan keuangan, tetapi dapat mempengaruhi secara tidak langsung melalui perilaku pengelolaan keuangan. Financial self-efficacy juga tidak memiliki pengaruh langsung terhadap kepuasan keuangan, namun dapat mempengaruhi secara tidak langsung melalui perilaku pengelolaan keuangan. Selain itu, pengetahuan keuangan dan financial self-efficacy berpengaruh positif signifikan terhadap perilaku pengelolaan keuangan. Hasil ini mengindikasikan pentingnya perilaku pengelolaan keuangan sebagai mediator dalam hubungan antara pengetahuan keuangan serta financial self-efficacy dengan kepuasan keuangan.

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