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All Journal Jurnal Manajemen Bisnis dan Kewirausahaan Jurnal Manajerial Dan Kewirausahaan
Olivia Sandra Wijaya
Universitas Tarumanagara
Economics, Econometrics & Finance Social Sciences

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Pengaruh Financial Attitude, Financial Behavior, Financial Knowledge, dan Risk Tolerance terhadap Financial Satisfaction Olivia Sandra Wijaya; Ary Satria Pamungkas
Jurnal Manajerial Dan Kewirausahaan Vol 2, No 3 (2020): Jurnal Manajerial dan Kewirausahaan
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmk.v2i3.9575

Abstract

The purpose of this study is to examine the effect of Financial Attitude, Financial Behavior, Financial Knowledge and Risk Tolerance on Financial Satisfaction. The sample in this study is all residents who already have income or income in the Jakarta area. The sample was chosen by the non-probability sampling method, amounting to 190 respondents by distributing questionnaires online. The data analysis technique used is Structural Equation Modeling (SEM) which is assisted with the assistance of the Smart-PLS program.3.3.2. The results of this study are that there is a positive influence of Financial Attitude on Financial Satisfaction, there is a positive influence of Financial Behavior on Financial Satisfaction, and there is a positive influence of Financial Knowledge on Financial Satisfaction. While the results obtained in this study indicate there is no effect of Risk Tolerance on Financial Satisfaction. Tujuan dari penelitian ini adalah untuk meneliti mengetahui pengaruh Financial Attitude, Financial Behavior, Financial Knowledge dan Risk Tolerance terhadap Financial Satisfaction. Sampel pada penelitian ini adalah seluruh penduduk yang sudah memiliki pendapatan atau penghasilan di wilayah Jakarta. Sampel dipilih dengan metode non-probability sampling yang berjumlah 190 responden dengan penyebaran kuesioner secara online. Teknis analisis data digunakan adalah Structural Equation Modeling (SEM) yang dibantu dengan bantuan program Smart-PLS.3.3.2. Hasil dari penelitian ini adalah terdapat pengaruh positif Financial Attitude terhadap Financial Satisfaction, terdapat pengaruh positif Financial Behavior terhadap Financial Satisfaction, dan terdapat pengaruh positif Financial Knowledge terhadap Financial Satisfaction. Sedangkan hasil yang didapat pada penelitian ini menunjukkan tidak terdapat pengaruh Risk Tolerance terhadap Financial Satisfaction.
Pengaruh Financial Literacy dan Financial Self-efficacy terhadap Financial Satisfaction dengan Financial Management Behavior sebagai Variabel Mediasi Olivia Sandra Wijaya; Indra Widjaja
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 6 No 6 (2022): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v6i6.20695

Abstract

The purpose of this study was to determine the effect of financial literacy and financial self-efficacy on financial satisfaction by adding the mediating effect of financial management behavior. The population in this study are all people who already have income in the DKI Jakarta area. The number of samples in this study was 250 respondents. The test used in this study uses the SEM-PLS data analysis technique. The results of this study indicate that there is no influence of financial literacy on financial satisfaction and there is a positive influence of financial self-efficacy on financial satisfaction. Instead, it was found that financial literacy can have a positive and significant effect on financial satisfaction through the mediation of financial management behavior with the meaning of full mediation. It can be interpreted that financial management behavior has an important role so financial literacy can affect financial satisfaction. Tujuan penelitian ini untuk mengetahui pengaruh financial literacy dan financial self-efficacy terhadap financial satisfaction dengan menambahkan pengaruh mediasi financial management behavior. Populasi dalam penelitian ini adalah semua masyarakat yang telah mempunyai penghasilan di wilayah DKI Jakarta. Jumlah sampel pada penelitian ini terdapat 250 responden. Pengujian yang digunakan dalam penelitian ini menggunakan teknik analisis data SEM-PLS. Hasil penelitian ini menunjukkan tidak memiliki pengaruh financial literacy terhadap financial satisfaction dan terdapat pengaruh positif financial self-efficacy terhadap financial satisfaction. Selain itu, ditemukan hasil bahwa financial literacy dapat berpengaruh secara positif dan signifikan terhadap financial satisfaction melalui adanya mediasi financial management behavior dengan makna full mediation. Dapat diartikan bahwa financial management behavior memiliki peran penting sehingga financial literacy dapat memengaruhi financial satisfaction.
Co-Authors Ary Satria Pamungkas Indra Widjaja