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All Journal Journal of Innovative and Creativity
Rizkian Sulistia
Mataram University
Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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The Effect of Financial Literacy, Financial Experience, and Income Level on Family Financial Behavior in Mataram City with Locus of Control as a Mediating Variable Rizkian Sulistia; Wirawan Suhaedi
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1362

Abstract

This study aims to examine and analyze the influence of financial literacy, financial experience, and income level on family financial behavior in Mataram City with locus of control as a mediating variable. Data were obtained using purposive sampling from 270 housewife respondents who manage family finances and analyzed using Structural Equation Modeling with a Partial Least Square approach (SEM-PLS). The results showed that financial literacy and income level had a positive and significant effect on financial behavior, while financial experience had no significant effect. In addition, locus of control was unable to mediate the relationship between financial literacy, financial experience, and income level on financial behavior. These results indicate that external factors such as literacy and income levels are more dominant in influencing financial behavior than internal psychological factors such as locus of control. Thus, financial literacy and economic capacity are very important in shaping healthy financial behavior.
Co-Authors Wirawan Suhaedi