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All Journal Equilibrium Jurnal penelitian Pendidikan dan Ekonomi
Bulan Rahmalia
Universitas Negeri Semarang

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LITERASI KEUANGAN DAN AKSES SUMBER BELAJAR TERHADAP PERILAKU FINANSIAL MELALUI FINANCIAL SELF-EFFICACY Bulan Rahmalia; Wahidatul Jannah; Maharani Augusta Handini; Yoga Prastiya; Octavia Ishmatul Maula; Inaya Sari Melati
EQUILIBRIUM: JURNAL PENELITIAN PENDIDIKAN DAN EKONOMI Vol. 23 No. 01 (2026): Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi
Publisher : Department of Economic Education, Faculty of Teacher Training and Education, the University of Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/ph2r8m69

Abstract

This study aims to analyze the influence of financial literacy and access to learning resources on the financial behavior of students at SMKN 2 Semarang, with financial self-efficacy (FSE) serving as a mediating variable. A quantitative approach was employed by distributing questionnaires to 207 students in the Accounting Expertise Program. The data were analyzed using Structural Equation Modeling (SEM) to examine both direct and indirect relationships among the variables. The results indicate that financial literacy has a significant effect on FSE, while access to learning resources does not show a significant influence. FSE strongly affects financial behavior, whereas financial literacy and access to learning resources do not provide a direct effect on students’ financial behavior. Mediation analysis reveals that FSE fully mediates the relationship between financial literacy and financial behavior and partially mediates the relationship between access to learning resources and financial behavior. These findings highlight that students’ confidence in managing finances plays an essential role in shaping more responsible financial behavior. The study recommends strengthening FSE through practice-based financial learning, improving the quality of financial literacy materials, and providing relevant and accessible learning resources.
Co-Authors Maharani Augusta Handini Melati, Inaya Sari Octavia Ishmatul Maula Wahidatul Jannah Yoga Prastiya