PENGARUH LITERASI KEUANGAN TERHADAP KESEJAHTERAAN KEUANGAN MELALUI FINANCIAL SELF-EFFICACY SEBAGAI VARIABEL INTERVENING PADA GURU SMA NEGERI KOTA SURAKARTA
DOI:
https://doi.org/10.24127/jp.v14i1.13629Keywords:
Financial Self-Efficacy, Kesejahteraan keuangan, Literasi keuanganAbstract
Penelitian ini bertujuan untuk: (1) menganalisis pengaruh literasi keuangan terhadap financial self-efficacy pada guru SMA Negeri di Kota Surakarta, (2) menganalisis pengaruh financial self-efficacy terhadap kesejahteraan keuangan, dan (3) menganalisis peran mediasi financial self-efficacy dalam hubungan antara literasi keuangan dan kesejahteraan keuangan. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan metode analisis Structural Equation Modeling-Partial Least Square (SEM-PLS). Sampel dalam penelitian ini terdiri dari 176 guru SMA Negeri di Kota Surakarta yang dipilih dengan teknik purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan uji validitas, reliabilitas, model fit, kolinearitas, signifikansi jalur, dan uji mediasi. Hasil penelitian menunjukkan bahwa: (1) literasi keuangan berpengaruh positif dan signifikan terhadap financial self-efficacy dengan nilai signifikansi 0,000 < 0,05, (2) financial self-efficacy berpengaruh positif dan signifikan terhadap kesejahteraan keuangan dengan nilai signifikansi 0,000 < 0,05, dan (3) financial self-efficacy memediasi secara signifikan hubungan antara literasi keuangan terhadap kesejahteraan keuangan. Selain itu, variabel kontrol jenis kelamin berpengaruh negatif dan signifikan terhadap kesejahteraan keuangan melalui financial self-efficacy, sedangkan bidang studi tidak menunjukkan pengaruh yang signifikan. Penelitian ini menegaskan pentingnya literasi keuangan dalam membentuk keyakinan diri finansial guna meningkatkan kesejahteraan keuangan.
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