PERILAKU KEUANGAN INDIVIDU: PERAN INTERNAL LOCUS OF CONTROL, MODERASI LITERASI KEUANGAN, SERTA MEDIASI GAYA HIDUP (Studi Pada Pegawai Sekretariat DPRD Provinsi Jawa Tengah)

SUKMAWATI, VITRI (2024) PERILAKU KEUANGAN INDIVIDU: PERAN INTERNAL LOCUS OF CONTROL, MODERASI LITERASI KEUANGAN, SERTA MEDIASI GAYA HIDUP (Studi Pada Pegawai Sekretariat DPRD Provinsi Jawa Tengah). Other thesis, STIE BANK BPD JATENG.

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Abstract

This study focuses on the suboptimal financial behavior of employees of the Central Java Provincial DPRD Secretariat. Employees' debt behavior exceeds consumptive behavior, shopping behavior, saving behavior and investment behavior. Low internal locus of control, low financial literacy and high employee lifestyle have been suspected to be triggers for the suboptimal financial behavior of employees of the Central Java Provincial DPRD Secretariat. The population of this study was all employees of the Central Java Provincial DPRD Secretariat, totaling 117 employees. Determination of sampling was based on purposive sampling technique with special criteria for employees who had debt, namely 89 employees. The data analysis method in this study used SEM-PLS. The results of the study found that internal locus of control and financial literacy did not have a significant effect on financial behavior. Financial literacy was unable to moderate the influence of internal locus of control on financial behavior. Financial literacy had a positive and significant effect on lifestyle. Lifestyle had a positive and significant effect on financial behavior. Lifestyle was able to mediate the influence of financial literacy on financial behavior. Keywords : Financial Behavior; Internal Locus of Control; Financial Literacy; Lifestyle

Item Type:	Thesis (Other)
Additional Information:	Penelitian ini berorientasi pada kurang optimalnya perilaku keuangan pegawai Sekretariat DPRD Provinsi Jawa Tengah. Perilaku berhutang pegawai melebihi dari perilaku perilaku konsumtif, perilaku berbelanja, perilaku menabung dan perilaku investasi. Rendahnya internal locus of control, rendahnya literasi keuangan serta tingginya gaya hidup pegawai telah diduga menjadi pemicu terhadap kurang optimalnya perilaku keuangan pegawai Sekretariat DPRD Provinsi Jawa Tengah. Populasi penelitian ini adalah seluruh pegawai Sekretariat DPRD Provinsi Jawa Tengah sebanyak 117 pegawai. Penentuan pengambilan sampel didasarkan pada teknik purposive sampling dengan kriteria khusus pegawai yang memiliki hutang yakni sebanyak 89 pegawai. Metode analisis data pada penelitian ini menggunakan SEM-PLS. Hasil penelitian menemukan bahwa internal locus of control dan literasi keuangan tidak berpengaruh signifikan terhadap perilaku keuangan. Literasi keuangan tidak mampu memoderasi pada pengaruh internal locus of control terhadap perilaku keuangan. Literasi keuangan berpengaruh positif dan signifikan terhadap gaya hidup. Gaya hidup berpengaruh positif dan signifikan terhadap perilaku keuangan. Gaya hidup mampu memediasi pengaruh literasi keuangan terhadap perilaku keuangan. Kata Kunci : Perilaku Keuangan; Internal Locus Of Control; Literasi Keuangan; Gaya hidup
Uncontrolled Keywords:	Financial Behavior; Internal Locus of Control; Financial Literacy; Lifestyle
Subjects:	H Social Sciences > HB Economic Theory H Social Sciences > HG Finance
Divisions:	Faculty of Law, Arts and Social Sciences > School of Management
Depositing User:	Wisudawan S2
Date Deposited:	09 Sep 2024 06:44
Last Modified:	09 Sep 2024 06:44
URI:	http://eprints.stiebankbpdjateng.ac.id/id/eprint/2242

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