Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Kesejahteraan Finansial Mahasiswi di Surabaya dengan Perilaku Keuangan sebagai Variabel Mediasi: Penelitian

Ardha Dyah Puspita; Raden Johnny Hadi Raharjo

doi:10.31004/jerkin.v4i1.1534

Authors

Ardha Dyah Puspita Universitas Pembangunan Nasional
Raden Johnny Hadi Raharjo Universitas Pembangunan Nasional

DOI:

https://doi.org/10.31004/jerkin.v4i1.1534

Keywords:

Financial Literacy, Financial Attitude, Financial Behavior, Financial Well-Being, Female Students

Abstract

This study aims to analyze the influence of financial literacy and financial attitude on the financial well-being of female university students in Surabaya, with financial behavior as a mediating variable. The research employed a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM). Respondents were active female students in Surabaya, selected using purposive sampling techniques. The results indicate that financial attitude significantly affects financial behavior, which in turn strongly influences financial well-being. However, financial literacy does not have a statistically significant direct effect on financial behavior, although it remains theoretically relevant. Therefore, financial behavior is confirmed as a crucial mediating variable linking financial literacy and attitude to financial well-being. These findings underscore the importance of cultivating healthy financial behaviors as a strategy to improve the financial well-being of students, especially women.

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