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All Journal International Journal of Advanced Research in Social Studies
Ewirta Lista Pertaviana
STAI Assalamiyah Serang
Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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Bridging Budgeting and Well-Being: The Strategic Role of Self-Control in Financial Behavior Rosananda Oktala; Ewirta Lista Pertaviana
International Journal of Advanced Research in Social Studies Vol. 5 No. 1 (2026): International Journal of Advanced Research in Social Studies
Publisher : Department of Business Administration Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17972343

Abstract

This study investigates the influence of financial budgeting on financial well-being and examines the moderating role of self-control among employees of Bank Pembangunan Daerah (BPD) Sumsel in Indonesia. Using a quantitative approach, data were collected from 160 respondents and analyzed through Structural Equation Modeling with SmartPLS 4.0. The results reveal that financial budgeting significantly enhances financial well-being (β = 0.432, p < 0.001), suggesting that individuals who actively plan and manage their finances experience greater financial satisfaction and security. Furthermore, self-control significantly moderates this relationship, indicating that individuals with higher self-control are more capable of converting financial plans into consistent behavior, thus amplifying the positive effects of budgeting on well-being. These findings underscore the importance of integrating psychological dimensions into financial literacy programs. Financial interventions that combine budgeting education with self-control strengthening tools—such as behavioral coaching, commitment devices, or digital nudges—are likely to yield more sustainable improvements in financial well-being. This study contributes to the literature by positioning self-control not only as a personal trait but also as a strategic enabler that bridges the gap between financial planning and financial outcomes, particularly in the context of salaried professionals in emerging economies.
Co-Authors Rosananda Oktala