PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, FINANCIAL SATISFACTION, DAN FINANCIAL SOCIALIZATION TERHADAP FINANCIAL MANAGEMENT BEHAVIOR DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL INTERVENING

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh financial knowledge, financial attitude, financial satisfaction dan financial socialization terhadap financial management behavior dengan locus of control sebagai variabel intervening. Jumlah observasi yang dianalisis sebanyak 217 responden yang diperoleh menggunakan metode purposive sampling. Analisis data menggunakan SMART-PLS melalui pendekatan Structural Equation Modelin (SEM) yang menguji outer model (validitas dan reliabilitas) dan inner model (koefisien determinasi, f-square dan uji hipotesis serta efek mediasi). Hasil penelitian menunjukkan pengaruh langsung financial knowledge, financial attitude, financial satisfaction dan financial socialization berpengaruh signifikan terhadap locus of control dan financial management behavior. Selain itu, hasil uji mediasi menunjukkan bahwa locus of control berpengaruh signifikan antara hubungan financial knowledge, financial attitude, financial satisfaction dan financial socialization terhadap financial management behavior. Locus of control yang rendah dapat menghambat untuk meningkatkan financial management behavior, sementara locus of control yang tinggi memiliki lebih banyak peluang dalam meningkatan financial management behavior.

Kata Kunci: Financial Knowledge, Financial Attitude, Financial Satisfaction, Financial Socialization, Locus of Control, dan Financial Management Behavior.

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