Pengaruh Pengetahuan Keuangan dan Kontrol Diri terhadap Perilaku Pengelolaan Keuangan dengan Financial Self-Efficacy sebagai Variabel Intervening (Studi pada Mahasiswa Pendidikan Ekonomi Angkatan 2023 Universitas Jember)

Abstract

This study aims to analyze the effect of financial knowledge and self-control on financial management behavior with financial self-efficacy as an intervening variable among students of the Economics Education Study Program, Universitas Jember, class of 2023. This research used a quantitative approach with a survey method. The sample consisted of 125 students selected using a saturated sampling technique. Data were collected through questionnaires, interviews, and documentation, and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with SmartPLS software. The results show that all indicators are valid and reliable, and the research model has a good fit. The hypothesis testing results indicate that financial knowledge and self-control have a positive and significant effect on financial self-efficacy. In addition, self-control and financial self-efficacy also have a positive and significant effect on financial management behavior. Financial self-efficacy is proven to mediate the effect of self-control on financial management behavior. Overall, all hypotheses in this study are accepted.