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Nurkhalida, Khairunisa
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The Mediating Role of Financial Well-Being in the Relationship between Financial Behavior and Stress Among Irregular Income Workers Nurkhalida, Khairunisa; Renanita, Theda
Psikologika: Jurnal Pemikiran dan Penelitian Psikologi Vol. 30 No. 2 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/psikologika.vol30.iss2.art5

Abstract

Psychological well-being is characterized by low stress levels and influenced by financial factors. Therefore, this research aims to determine the effect of financial behavior on stress mediated by financial well-being. An instrument validation test was conducted with 200 participants, followed by a hypothesis model including 266 individuals aged 20–40 years with irregular income patterns. Monte Carlo simulations suggested that a sample of 200 was estimated to produce statistical power approaching 0.8 using a purposive non-probability method. Stress instrument, Financial Management Behavior Scale, and Financial Well-being Scale from DASS-21, Dew and Xiao (2011), and Prawitz (2006) were adopted, respectively. According to the hypothesis, financial well-being mediated the relationship between behavior and stress. Data analysis was performed using an efficient macro process in the statistical analysis process. The results showed that financial well-being had a full mediating role in the influence of financial behavior on stress. The primary contribution of this research lies in offering insights into stress reduction through the enhancement of financial well-being.
Co-Authors Theda Renanita