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All Journal Jurnal Promosi Pendidikan Ekonomi Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Aniek Hindrayani
Universitas Sebelas Maret, Surakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGARUH LITERASI KEUANGAN TERHADAP KESEJAHTERAAN KEUANGAN MELALUI FINANCIAL SELF-EFFICACY SEBAGAI VARIABEL INTERVENING PADA GURU SMA NEGERI KOTA SURAKARTA Nurul Afiyah; Aniek Hindrayani
Promosi: Jurnal Program Studi Pendidikan Ekonomi Vol 14 No 1 (2026): Promosi
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jp.v14i1.13629

Abstract

Penelitian ini bertujuan untuk: (1) menganalisis pengaruh literasi keuangan terhadap financial self-efficacy pada guru SMA Negeri di Kota Surakarta, (2) menganalisis pengaruh financial self-efficacy terhadap kesejahteraan keuangan, dan (3) menganalisis peran mediasi financial self-efficacy dalam hubungan antara literasi keuangan dan kesejahteraan keuangan. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan metode analisis Structural Equation Modeling-Partial Least Square (SEM-PLS). Sampel dalam penelitian ini terdiri dari 176 guru SMA Negeri di Kota Surakarta yang dipilih dengan teknik purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan uji validitas, reliabilitas, model fit, kolinearitas, signifikansi jalur, dan uji mediasi. Hasil penelitian menunjukkan bahwa: (1) literasi keuangan berpengaruh positif dan signifikan terhadap financial self-efficacy dengan nilai signifikansi 0,000 < 0,05, (2) financial self-efficacy berpengaruh positif dan signifikan terhadap kesejahteraan keuangan dengan nilai signifikansi 0,000 < 0,05, dan (3) financial self-efficacy memediasi secara signifikan hubungan antara literasi keuangan terhadap kesejahteraan keuangan. Selain itu, variabel kontrol jenis kelamin berpengaruh negatif dan signifikan terhadap kesejahteraan keuangan melalui financial self-efficacy, sedangkan bidang studi tidak menunjukkan pengaruh yang signifikan. Penelitian ini menegaskan pentingnya literasi keuangan dalam membentuk keyakinan diri finansial guna meningkatkan kesejahteraan keuangan.  
PENGARUH BUDAYA KERJA BERLEBIHAN (HUSTLE CULTURE) TERHADAP KESEJAHTERAAN FINANSIAL DENGAN PERILAKU PENGELOLAAN KEUANGAN PRIBADI SEBAGAI VARIABEL MEDIASI PADA KARYAWAN SALES DI KOTA SURAKARTA Nadila Rizka Ardinda; Aniek Hindrayani
Jurnal Maneksi Vol. 15 No. 3 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i3.4053

Abstract

Introduction: Financial well-being is an individual ability to achieve financial security and maintain a satisfactory quality of life. Beyond income, it is strongly inflenced by how effectively financial resources are managed. This study investigates whether hustle culture influences financial well-being and examies in the mediating role of personal financial management behaviour sales employees in Surakarta. Methods: A quantitative approach was adopted using purposive sampling, resulting in 338 sales employees who met the predetermined criteria. Primary data were obtained through questionnaire based on a five-point Likert scale and analysed with PLS-SEM using SmartPLS 4. Results: The result indicate that hustle culture does not exert a significant direct influence on financial well-being. However, employees who demonstrate stronger hustle culture tendiencies are more likely to show better personal financial management behaviour, which in turn contributes positively to their financial well-being. The mediation analysis further confirms that personal financial management behaviour serve as a significant mechanism linking hustle culture to financial well-being. The findings suggest that sustained financial well-being depends less on intensive work effort alone and more on employees’ ability to manage their finances responsibly. Therefore, organisations should encourage employees to improve their financial management capabilities alongside work performance to enhance long-term financial well-being. Keywords: Financial Well-Being, Hustle culture, Management Behavior, Personal Financial Sales Employees
Co-Authors Nadila Rizka Ardinda Nurul Afiyah