PENGARUH PERSEPSI KEUANGAN DAN PENGELOLAAN KEUANGAN TERHADAP PERENCANAAN KEUANGAN: PERAN MEDIASI LITERASI KEUANGAN

  • Alfa Santoso Budiwidjojo Putra Fakultas Ekonomika dan Bisnis – Universitas Pignatelli Triputra, Indonesia
  • Evi Dewi Kusumawati Fakultas Ekonomika dan Bisnis – Universitas Pignatelli Triputra, Indonesia
  • Dewi Kartikasari Fakultas Ekonomika dan Bisnis – Universitas Pignatelli Triputra, Indonesia
Keywords: Financial Perception, Financial Management, Financial Planning, Financial Literacy, Personal Finance

Abstract

This study aims to analyze the influence of financial perception and financial management on financial planning with financial literacy as a mediating variable. The problem investigated is how financial perception, financial management, and financial literacy affect individual financial planning. This study uses a quantitative approach with a survey method on subjects involved in personal financial management. Data was collected through online questionnaires distributed to active adult financial managers. The data was then analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS software. The results show that financial perception has a significant effect on financial planning, financial management has a significant effect on financial planning, and financial literacy has a significant effect on financial planning. Furthermore, financial literacy was proven to mediate the influence of financial perception and financial management on financial planning. The conclusion of this study is that financial perception, financial management, and financial literacy play an important role in improving individual financial planning. Financial literacy has been proven to be a mediating factor that strengthens the relationship between financial perception, financial management, and financial planning. Practical implications and recommendations for future research are also discussed.

References

Atkinson, A., & Messy, F.-A. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study.
Hastings, J. S., Madrian, B. C., & Skimmyhorn, W. L. (2013). Financial literacy, financial education, and economic outcomes. Annu. Rev. Econ., 5(1), 347–373.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316.
Kartikasari, D., Kusumawati, E. D., & Putra, A. S. B. (2023). Regression Analysis of Financial Literacy Moderation to Increase Interest in Investing in the Capital Market in Atmi Surakarta Students. JASa (Jurnal Akuntansi, Audit Dan Sistem Informasi Akuntansi), 7(3), 584–597.
Kusumawati, E. D., Putra, A. S. B., & Kartikasari, D. (2023). Literasi Keuangan sebagai Variabel Moderasi dalam Pengaruh Persepsi Keuangan Terhadap Perencanaan Keuangan. Fokus Bisnis Media Pengkajian Manajemen Dan Akuntansi, 22(2), 247–260.
Kusumawati, E. D., Putra, A. S. B., Kartikasari, D., Suharto, B. H., Hardiyanti, M., & Wendarto, W. (2024). INKUBASI BISNIS UMKM MELALUI PERENCANAAN FINANSIAL BISNIS. Martabe: Jurnal Pengabdian Kepada Masyarakat, 7(3), 1086–1094.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. American Economic Journal: Journal of Economic Literature, 52(1), 5–44.
Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics & Finance, 14(4), 332–368.
Putra, A. S. B., Dwiatmadja, C., Sasongko, G., & Suharti, L. (2019). The Determinants of Performance Behavior of Bank Employees in Indonesia. Quality-Access to Success, 20(173).
Putra, A. S. B., Kusumawati, E. D., & Kartikasari, D. (2023). Empowerment of Handicraft Production and Marketing Activities at the Bunga Raya Waste Bank. IJCS: International Journal of Community Service, 2(2), 174–181.
Putra, A. S. B., Kusumawati, E. D., & Kartikasari, D. (2024). Psychological Empowerment And Psychological Well-Being As Job Performance Mediators. Journal Of Business Management And Economic Development, 2(01), 127–141.
Putranto, A., Putra, A. S. B., Hikmah, N., Imanirubiarko, S., Susanto, S., & Purwati, S. (2023). Program Pelatihan Analisis Data Menggunakan Aplikasi Spss Dalam Penyusunan Artikel Ilmiah Pada Jurnal Internasional. Community Development Journal: Jurnal Pengabdian Masyarakat, 4(5), 10146–10153.
Robb, C. A., & Woodyard, A. (2011). Financial knowledge and best practice behavior. Journal of Financial Counseling and Planning, 22(1).
Shefrin, H. M., & Thaler, R. H. (1988). The behavioral life‐cycle hypothesis. Economic Inquiry, 26(4), 609–643.
Soegoto, A. S., Putra, A. S. B., Wijiharta, W., Mahadewi, E. P., Saputro, M. E., Lusiana, H., Subagja, A. D., Al Sabet, F. B., Januarsi, Y., & Nugroho, M. (2023). MANAJEMEN STRATEGI KORPORASI.
Xiao, J. J., Chen, C., & Chen, F. (2014). Consumer financial capability and financial satisfaction. Social Indicators Research, 118, 415–432.
Xiao, J. J., & O’Neill, B. (2018). Propensity to plan, financial capability, and financial satisfaction. International Journal of Consumer Studies, 42(5), 501–512.
Published
2024-03-31
Abstract viewed = 34 times
PDF downloaded = 72 times