PENGARUH SOSIALIASI KEUANGAN DAN LITERASI KEUANGAN SEBAGAI VARIABEL INTERVENING TERHADAP PERILAKU KEUANGAN (Studi pada KPM PKH di Kabupaten Tuban)
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Institusion
Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah
Author
Shoimah, Maslahatus
Subject
H Social Sciences (General)
Datestamp
2023-07-03 06:41:17
Abstract :
The aim of this study was to examine and analyze the direct influence of financial socialization on financial behavior, as well as the indirect influence of financial socialization on financial behavior through financial literacy. This study adopts Zhao and Zhang's research model which divides financial literacy into three parts, namely financial knowledge, financial skills, and financial self-efficacy. Sampling technique using simple random sampling technique in the form of convenience sampling with a total of 100 respondents from KPM PKH in Tuban Regency. Data analysis method using SEM PLS on SmartPLS 3.2.9. The results showed that financial socialization has no direct effect on financial behavior, this is due to education and low income KPM. Financial socialization has a direct effect on financial knowledge, financial skills and financial self-efficacy, meaning that there is socialization through FDS and parents are able to increase the knowledge, ability, and confidence of KPM in managing finances. There is also a direct influence on financial knowledge, financial skills, and financial self-efficacy on financial behavior. As for indirect influence, there is an indirect influence of financial socialization on financial behavior through financial education, financial skills, and financial self-efficacy to produce a full mediation effect (indirect olny).
The aim of this study was to examine and analyze the direct influence of financial socialization on financial behavior, as well as the indirect influence of financial socialization on financial behavior through financial literacy. This study adopts Zhao and Zhang's research model which divides financial literacy into three parts, namely financial knowledge, financial skills, and financial self-efficacy. Sampling technique using simple random sampling technique in the form of convenience sampling with a total of 100 respondents from KPM PKH in Tuban Regency. Data analysis method using SEM PLS on SmartPLS 3.2.9. The results showed that financial socialization has no direct effect on financial behavior, this is due to education and low income KPM. Financial socialization has a direct effect on financial knowledge, financial skills and financial self-efficacy, meaning that there is socialization through FDS and parents are able to increase the knowledge, ability, and confidence of KPM in managing finances. There is also a direct influence on financial knowledge, financial skills, and financial self-efficacy on financial behavior. As for indirect influence, there is an indirect influence of financial socialization on financial behavior through financial education, financial skills, and financial self-efficacy to produce a full mediation effect (indirect olny).
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