Financial Satisfaction of Students in Serang City: The Importance of Financial Literacy and Financial Management Behavior

Authors

  • Among Sunandi Universitas Primagraha
  • Desman Hidayat Universitas Bina Nusantara

DOI:

https://doi.org/10.38043/jiab.v8i2.4625

Keywords:

Financial Literacy, Financial Satisfaction, Financial Management Behaviour

Abstract

Financial difficulties are not always caused by the influence of income, but are also influenced by mistakes in financial management, such as not planning a financial plan, consumer living and various other problems. Especially students in the teenage age group, who still need the ability to manage their own finances to achieve financial satisfaction. Apart from that, students are also a group that has a big impact on the economy. There is a research gap which suggests that financial literacy has a significant effect on financial satisfaction and vice versa. Therefore, there is a need for mediating variables to increase financial satisfaction significantly. So, researchers want to conduct research with the aim of finding out the effect of financial literacy on financial satisfaction, by considering financial management behavior as an intervening variable. This is to find out the extent to which a person's level of financial literacy influences their financial management behavior, and whether this financial management behavior plays a role in linking financial literacy with financial satisfaction. Based on the discussion and hypothesis testing using the partial least squares (PLS) analysis method, it can be concluded that financial literacy influences the financial management behavior of female students on campuses in the Serang city area, meaning that the better the financial literacy of a person or group, the better the behavior. managing one's finances. Financial literacy does not directly influence the financial satisfaction of female students in the city of Serang. This means that as a person's level of Financial Literacy increases, their Financial Management Behavior can improve. So, it is very important to mediate Financial Management Behavior on the Financial Satisfaction of female students in the city of Serang.

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References

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Yulinar, B., Y., & Umrie, R. H. (2020). Literasi Keuangan dan Kepuasan Keuangan dengan Gender sebagai Moderasi: Studi pada Mahasiswa di Kota Palembang. Jurnal Manajemen Dan Bisnis Equilibrium. Jurnal Manajemen Dan Bisnis Equilibrium, 6(1), 116. https://doi.org/10.47329/jurnal_mbe.v6i1.424

Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi Dan Manajemen, 6(1). https://doi.org/10.21831/nominal.v6i1.14330

Adiputra, I. G. (2021). The Influence of Financial Literacy , Financial Attitude and Locus of Control on Financial Satisfaction: Evidence From the Community in Jakarta. International Conference on Entrepreneurship (ICOEN) Volume 2021 C, 2021, 636654. https://doi.org/10.18502/kss.v5i5.8848

Amelia, M., & Isbanah. (2021). Analisis faktor-faktor yang memengaruhi financial satisfaction pengguna e-wallet. Jurnal Ilmu Manajemen Volume 9 Nomor 2, 9, 426437.

Arifa, J. S. N., & Setiyani, R. (2020). Pengaruh Pendidikan Keuangan di Keluarga, Pendapatan, dan Literasi Keuangan terhadap Financial Management Behavior Melalui Financial Self-Efficacy Sebagai Variabel Mediasi. Economic Education Analysis Journal, 9(2), 552568. https://doi.org/10.15294/eeaj.v9i2.39431

Asandimitra, N., & Prabowo. (2021). Faktor yang memengaruhi financial satisfaction pengguna e- commerce di surabaya. Jurnal Ilmu Manajemen Volume 9 Nomor 1, 9(2018), 2841.

BCAlife. (2019). Tingkatan Literasi Keuangan Penduduk Indonesia, Anda Nomor Berapa? https://www.bcalife.co.id/info/tahapan-kehidupan/memiliki-pasangan/4-tingkatan-literasi-keuangan-penduduk-indonesia-anda-nomor-berapa

Candra, J. W., & Memarista, G. (2015). Faktor-faktor yang Mempengaruhi Financial Satisfaction pada Mahasiswa Universitas Kristen Petra. Finesta, 3(2), 16.

Erawati, N., & Susanti. (2013). PENGARUH LITERASI KEUANGAN, PEMBELAJARAN DI PERGURUAN TINGGI, DAN PENGALAMAN BEKERJA TERHADAP PERILAKU KEUANGAN MAHASISWA FAKULTAS EKONOMI UNIVERSITAS NEGERI SURABAYA Neni. Literasi Keuangan, Pembelajaran Di Perguruan Tinggi, 17.

Ghozali, I., & Latan, H. (2015). Partial Least Squares Konsep, Teknik dan Aplikasi Mengguanakan Program SmartPLS 3.0. Semarang: Badan Penerbit Universitas Diponegoro.

Gunawan, ade; W. S. P. M. S. (2020). Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa Prodi Manajemen Universitas Muhammadiyah Sumatera Utara. Jurnal Humaniora, Vol. 4, No. 2, 4(2), 2335.

Hidayati, N. L. (2018). PENGARUH VIRAL MARKETING, ONLINE CONSUMER REVIEWS DAN HARGA TERHADAP KEPUTUSAN PEMBELIAN SHOPEE DI SURABAYA Nur. Jurnal Pendidikan Tata Niaga (JPTN), 06, 7784.

Kholilah, N. Al, & Iramani, R. (2013). STUDI FINANCIAL MANAGEMENT BEHAVIOR PADA MASYARAKAT SURABAYA. Journal of Business and Banking, 3(1), 6980.

Margaretha, F., & Pambudhi, R. A. (2015). TINGKAT LITERASI KEUANGAN PADA MAHASISWA S-1 FAKULTAS EKONOMI. JURNAL MANAJEMEN DAN KEWIRAUSAHAAN, 17(1), 7685. https://doi.org/10.9744/jmk.17.1.76

Mukhafi, C. M. (2020). Faktor-faktor yang Memengaruhi Financial Satisfaction Buruh di Kota Surabaya. Jurnal Ilmu Manajemen (JIM), 8(4), 13121324. https://doi.org/10.26740/jim.v8n4.p1312-1324

Nugraha, D. F., Pratama, I. M., Ekonomi, D. P., Pascasarjana, S., & Indonesia, U. P. (2020). Financial Satisfaction Increase: Advances in Social Science, Education and Humanities Research, 400(Icream 2019), 320322.

Okezone.com. (2018). Orang RI Kini Lebih Senang Belanja Online. https://economy.okezone.com/read/2018/11/26/320/1982947/orang-ri-kini-lebih-senang-belanja-online

Rusdini, D. A. (2021). Faktor yang memengaruhi financial satisfaction pada masyarakat kabupaten pamekasan. Jurnal Ilmu Manajemen Volume 9 Nomor 1, 9(2016).

Sugiyono. (2016). METODE PENELITIAN KUANTITATIF, KUALITATIF, DAN R&D (Cetakan Ke). ALFABETA.

Suherman, R. (2006). Pengantar Teori Ekonomi: Pendekatan Kepada Teori Ekonomi Mikro dan Makro. PT Raja Grafindo Persada.

Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. International Journal of Administrative Science and Organization, 23(3), 139146. https://doi.org/10.20476/jbb.v23i3.9175

Yulinar, B., Y., & Umrie, R. H. (2020). Literasi Keuangan dan Kepuasan Keuangan dengan Gender sebagai Moderasi: Studi pada Mahasiswa di Kota Palembang. Jurnal Manajemen Dan Bisnis Equilibrium. Jurnal Manajemen Dan Bisnis Equilibrium, 6(1), 116. https://doi.org/10.47329/jurnal_mbe.v6i1.424

Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi Dan Manajemen, 6(1). https://doi.org/10.21831/nominal.v6i1.14330

Published

2023-12-25

How to Cite

1.
Sunandi A, Hidayat D. Financial Satisfaction of Students in Serang City: The Importance of Financial Literacy and Financial Management Behavior. j.ab [Internet]. 2023Dec.25 [cited 2024Feb.25];8(2). Available from: https://journal.undiknas.ac.id/index.php/akuntansi/article/view/4625

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