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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan International Journal of Science and Environment
Istisqa, Fatra
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Agriculture, Biological Sciences & Forestry Arts Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Mathematics Physics Social Sciences

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PENGARUH MENTAL ACCOUNTING DAN FINANCIAL BEHAVIOR TERHADAP FINANCIAL SATISFACTION Istisqa, Fatra; Sartika, Novira
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 1 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v5i1.4221

Abstract

This study aims to analyze the influence of mental accounting and financial behavior on financial satisfaction among lecturers in Bengkalis Island. The research employs a quantitative approach using cross-sectional survey method. The population comprises all active lecturers in educational institutions on Bengkalis Island, with a sample of 207 respondents selected through convenience sampling. Data were collected using an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling with SmartPLS version 4.0. The findings indicate that mental accounting has a positive and significant effect on financial satisfaction with a coefficient of 0.137 and p-value of 0.045. Financial behavior also demonstrates a positive and significant influence with a stronger coefficient of 0.182 and p-value of 0.005. Both variables collectively explain only 5.4 percent of the variation in financial satisfaction, suggesting that numerous other factors influence financial satisfaction. The study concludes that structured financial management through mental accounting and healthy financial behavior are important components for enhancing individual financial satisfaction, although their contribution remains limited and requires integration with other factors such as financial literacy and emotional intelligence.
The Influence of Mental Accounting and Financial Behavior on Financial Satisfaction Istisqa, Fatra; Sartika, Novira
International Journal of Science and Environment (IJSE) Vol. 6 No. 1 (2026): February 2026
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijse.v6i1.324

Abstract

The rapid development of financial technology accompanied by consumer behavior has increased the financial literacy gap despite the high level of inclusion in Indonesia, triggering an analysis of cognitive and behavioral factors that influence financial satisfaction. This study aims to examine the influence of Mental Accounting and Financial Behavior on Financial Satisfaction among lecturers on Bengkalis Island. Using a quantitative explanatory approach with Partial Least Squares Structural Equation Modeling (PLS-SEM), the population included all active lecturers with a sample of 207 respondents through convenience sampling. Data were collected via an online Likert-scale questionnaire (26 indicators) and analyzed using SmartPLS 4 through outer-inner model evaluation and bootstrapping. The results showed that Mental Accounting (β=0.137, t=2.001, p=0.045) and Financial Behavior (β=0.182, t=2.824, p=0.005) significantly influenced Financial Satisfaction (R²=0.054). The conclusion states that structured financial grouping and disciplined spending habits improve lecturers' financial well-being, suggesting the integration of financial literacy training into professional development programs.
Co-Authors Sartika, Novira