Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Journal of Business Studies and Management Review
Ario Gusmansyah
Unknown Affiliation
Decision Sciences, Operations Research & Management Social Sciences

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Kesejahteraan Keuangan dengan Perilaku Keuangan sebagai Variabel Mediasi: Studi pada Pegawai Negeri Sipil di Provinsi Jambi Ario Gusmansyah; Tona Aurora Lubis; Agus Solikhin
Journal of Business Studies and Management Review Vol. 9 No. 1 (2025): JBSMR, Vol 9 No.1 December 2025
Publisher : Management Department, Faculty of Economics and Business, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jbsmr.v9i1.53520

Abstract

This study aims to analyze the influence of financial literacy and financial attitude on financial well-being, with financial behavior as a mediating variable among civil servants at the Regional Financial and Revenue Management Agency (BPKPD) of Jambi Province. Using a quantitative approach with Structural Equation Modeling (SEM-PLS), data were collected from 175 respondents through structured questionnaires. The results indicate that financial behavior is the strongest and most dominant predictor in determining financial well-being. Interestingly, the findings reveal that financial literacy has no direct effect on financial behavior, indicating a knowledge-behavior gap among the officers. However, financial attitude is proven to be the primary driver in shaping disciplined financial behavior. The mediation test confirms that financial behavior acts as a crucial bridge that transforms knowledge and attitude into tangible financial well-being. This study recommends that government agencies focus on educational programs based on behavioral and mental shifts, rather than merely providing theoretical materials.
Co-Authors Agus Solikhin Tona Aurora Lubis