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All Journal Jurnal Ilmiah Mahasiswa FEB Journal of Entrepreneurship & Business
Ismayanti, Niken Wahyu
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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The Influence of Financial Literacy, Attitude toward Debt, Risk Perception, and Religiosity on Financial Satisfaction (Study on Bank Employees in East Java) Wijayanti, Risna; Cahyaningtyas, Sindy Eka Yulianti; Ismayanti, Niken Wahyu
Journal of Entrepreneurship and Business Vol. 4 No. 3 (2023): Journal of Entrepreneurship and Business (October)
Publisher : Program MM Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/jeb.v4i3.5944

Abstract

Purpose: to contribute to further research on the conceptualization of financial satisfaction as a specific individual satisfaction domain based on subjective behavioral studies using a judgment approach. Financial Satisfaction is mostly studied based on standard economic theory which uses an objective approach in determining individual satisfaction with their financial conditions such as income, socio-demography, socio-capital, and socio-economy. This research examines several subjective variables in the form of judgment and examines the integrated relationship between these variables such as financial literacy, risk perception, attitudes toward debt, and religiosity. Method: The sample for this research was 100 bank employees in East Java using a random sampling method. The analysis technique used is SEM PLS. Result: The results show that financial literacy influences financial satisfaction among bank employees in East Java. Likewise, attitudes toward debt and religiosity also show an influence on financial satisfaction. Meanwhile, risk perception has no effect on financial satisfaction among bank employees in East Java.
PENGARUH PENDAPATAN, PENGETAHUAN KEUANGAN, DAN PERILAKU KEUANGAN TERHADAP KEPUASAN KEUANGAN PADA PEGAWAI PT. BANK PEMBANGUNAN DAERAH JAWA TIMUR CABANG KEDIRI Ismayanti, Niken Wahyu
Jurnal Ilmiah Mahasiswa FEB Vol. 10 No. 1
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Pendapatan, Pengetahuan keuangan, dan Perilaku keuangan terhadap Kepuasan keuangan pada pegawai PT. Bank Pembangunan Daerah Jawa Timur Cabang Kediri. Jenis penelitian ini explanatory research dengan pendekatan kuantitatif. Penelitian ini menggunakan teknik random sampling yang dilakukan pada 89 responden. Data penelitian ini merupakan data primer yang diperoleh dari hasil kuesioner. Metode analisis data menggunakan analisis statistik outer model dan inner model dengan program Smart PLS 3.0. Hasil penelitian ini menunjukkan bahwa variabel pendapatan dan perilaku keuangan berpengaruh positif dan signifikan terhadap kepuasan keuangan. Sedangkan, variabel pengetahuan keuangan berpengaruh negative dan tidak signifikan terhadap kepuasan keuangan. Pegawai Bank Jatim Cabang Kediri penting untuk memiliki pendapatan yang stabil, pengetahuan keuangan yang memadai, dan kepuasan keuangan yang baik agar mencapai kepuasan keuangan dan terhindar dari risiko keuangan dimasa depan.Kata kunci: Pendapatan, Pengetahuan Keuangan, Perilaku Keuangan, Kepuasan Keuangan
Co-Authors Cahyaningtyas, Sindy Eka Yulianti Wijayanti, Risna