THE INFLUENCE OF FINANCIAL SELF-EFFICACY, FINANCIAL BEHAVIOR, AND FINANCIAL ANXIETY ON FINANCIAL WELL-BEING, WITH FINANCIAL LITERACY AS A MODERATING VARIABLE
DOI:
https://doi.org/10.61912/jeinsa.v5i2.534Keywords:
Financial Self-Efficacy, Financial Behavior, Financial Anxiety, Financial Well-Being, Literasi KeuanganAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh Financial Self-Efficacy, Financial Behavior, dan Financial Anxiety terhadap Financial Well-Being dengan Literasi Keuangan sebagai variabel moderasi pada pegawai Rumah Sakit Umum Daerah Badan Layanan Umum Daerah Otanaha Kota Gorontalo. Penelitian ini menggunakan metode kuantitatif dengan analisis Partial Least Square Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa Financial Self-Efficacy berpengaruh positif dan signifikan terhadap Financial Well-Being sebesar 0,495 atau 49,5% dengan nilai T-Statistics 4,241 dan P-value 0,000. Financial Behavior berpengaruh positif namun tidak signifikan terhadap Financial Well-Being sebesar 0,004 atau 0,4% dengan nilai T-Statistics 0,029 dan P-value 0,977. Financial Anxiety berpengaruh positif dan signifikan terhadap Financial Well-Being sebesar 0,280 atau 28% dengan nilai T-Statistics 2,335 dan P-value 0,020. Hasil pengujian moderasi menunjukkan bahwa Literasi Keuangan mampu memperkuat pengaruh Financial Self-Efficacy terhadap Financial Well-Being sebesar 0,156 atau 15,6% dengan nilai T-Statistics 1,992 dan P-value 0,047. Literasi Keuangan tidak mampu memoderasi pengaruh Financial Behavior terhadap Financial Well-Being dengan nilai -0,238 atau -23,8%, nilai T-Statistics 1,703 dan P-value 0,090. Selanjutnya, Literasi Keuangan mampu memperkuat pengaruh Financial Anxiety terhadap Financial Well-Being sebesar 0,243 atau 24,3% dengan nilai T-Statistics 2,013 dan P-value 0,045.
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