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Andang Fazri
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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The Influence Of Digital Financial Literacy And Locus Of Control On Financial Satisfaction Mediated By Financial Well-Being Among Generation Z In Jambi City Ervina Oktavia Rizki; Besse Wediawati; Andang Fazri
International Journal of Economics, Business and Innovation Research Vol. 4 No. 04 (2025): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v4i04.2018

Abstract

This study aims to determine the effect of digital financial literacy and locus of control on financial satisfaction, mediated by financial well-being among Generation Z in Jambi City. The study adopts a quantitative approach using the Cochran formula for sampling. The sample in this study amounted to 96 respondents. Data were collected through questionnaires measured on a Likert scale. The data analysis method used was Partial Least Square (PLS), processed using SmartPLS 3.0 software. The results indicate that both digital financial literacy and locus of control have a significant effect on financial satisfaction. Digital financial literacy also has a significant positive effect on financial well-being. However, locus of control does not significantly affect financial well-being. Furthermore, financial well-being mediates the relationship between digital financial literacy and financial satisfaction, but it does not mediate the relationship between locus of control and financial satisfaction.
Model Financial Satisfaction Berbasis Financial Literacy dan Self-Control Melalui Financial Well-Being pada Karyawan Perempuan Bank BUMN di Kota Jambi Rusita, Dea; Wediawati, Besse; Fazri, Andang; Ratnawati, RTS
Keizai Vol 6, No 2 (2025): September-Februari
Publisher : Universitas Darwan Ali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56589/keizai.v6i2.526

Abstract

Financial satisfaction is an important indicator of individual financial well-being, especially for female employees who often face the dual burden of managing work and household finances. This study aims to analyze the influence of financial literacy and self-control on financial satisfaction through financial well-being as a mediating variable among female employees of state-owned banks in Jambi City. This quantitative research uses a survey method with 100 respondents selected through purposive sampling. Data analysis uses Structural Equation Modeling-Partial Least Square (SEM-PLS) with SmartPLS 3.0 software. The results show that: financial literacy has a positive and significant effect on financial satisfaction; self-control has no direct effect on financial satisfaction; both financial literacy and self-control have a positive and significant effect on financial well-being; financial well-being has a strong positive effect on financial satisfaction; and financial well-being significantly mediates the relationship between financial literacy and self-control on financial satisfaction. This study provides important implications for financial education programs and employee welfare policies in the banking sector.
Co-Authors Ade Octavia Al-Shehari, Azzam Ali Mohammed Hazea Alfian, Egi Rama Ali Suman Aminart, Sintia B, Sylvia Kartika Wulan Bastian, Eriko Fedrick Ervina Oktavia Rizki F. Husni Hasbullah, F. Husni Faisal Riza, Faisal Fitriaty, Fitriaty Harto, Muji Hendryaldi, Hendryaldi Ida Masriani, Ida Ihkam, Febrianto Al Irmanelly, Irmanelly Januardi, Kristanto johannes johannes Korta, Omar Kurniawan, Adli Mala Fithriani Aira, Dian Muhammad Haris Saputra Muhammad Ridwansyah musnaini musnaini Nesa, Neda Wiliya Rusita, Dea Seftiani, Azia Sry Rosita Susi Desmaryani, Susi Waehama, Firadao Wilda Julianti Yacoob, Zulnaidi