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Melyta Hasty Dwi Andini Kharis
Master of Management Program, Universitas Terbuka, Jakarta, Indonesia
Economics, Econometrics & Finance

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Literacy Finance and Financial Planning for Welfare Finance with Behavior Finance as Variables Mediation for Young Workers in Jakarta Melyta Hasty Dwi Andini Kharis
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3573

Abstract

his study aims to analyze the effect of financial literacy and financial planning on financial well-being, with financial behavior as a mediating variable, among young workers in Jakarta using the Theory of Planned Behavior framework. Data were collected from 225 young worker respondents in Jakarta through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS- SEM) with SmartPLS 4. The results show that financial literacy and financial planning have a positive and significant effect on both financial behavior and financial well-being, with financial behavior proven to be the strongest predictor of financial well-being (β=0.557). Financial behavior also partially mediates the effect of financial literacy and financial planning on financial well-being. The research model explains 75.7% of the variance in financial well-being and 55.9% of the variance in financial behavior. These findings confirm that improving young workers' financial well-being requires not only financial literacy and planning education, but also the reinforcement of consistent, real daily financial habits and actions.
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