Pengaruh Financial Knowledge, Self Control, dan Financial Attitude Terhadap Saving Behavior dengan Financial Self Efficacy Sebagai Variabel Moderasi
DOI:
https://doi.org/10.36312/ej.v6i2.2789Keywords:
Perilaku Menabung, Pengetahuan Keuangan, Pengendalian Diri, Sikap KeuanganAbstract
Generasi Z yang sedang memasuki dunia kerja menghadapi tantangan finansial yang kompleks, terutama di tengah ketidakpastian ekonomi dan perkembangan gaya hidup konsumtif. Salah satu upaya penting untuk menciptakan kestabilan finansial adalah dengan membangun perilaku menabung. Perilaku ini dipengaruhi oleh berbagai faktor, antara lain financial knowledge, self control, dan financial attitude. Namun, seberapa besar pengaruh ketiga faktor tersebut terhadap perilaku menabung masih dapat dipengaruhi oleh tingkat keyakinan diri seseorang dalam mengelola keuangan atau financial self efficacy. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh financial knowledge, self control, dan financial attitude terhadap saving behavior dengan financial self efficacy sebagai variabel moderasi pada Generasi Z di UIN Malang yang sedang bekerja di berbagai sektor. Penelitian ini menggunakan metode pendekatan kuantitatif. Teknik pengambilan sampel menggunakan teori yang digunakan oleh Malhotra dengan jumlah responden penelitian sebanyak 95 orang. Skala pengukuran yang digunakan adalah skala Likert 1–5. Metode analisis data dalam penelitian ini menggunakan Structural Equation Modeling-Partial Least Square (SEM-PLS) dengan bantuan software SmartPLS versi 3.0. Analisis data meliputi pengujian outer model (validitas dan reliabilitas), inner model (uji R-square dan Q-square), serta pengujian hipotesis menggunakan teknik bootstrapping. Hasil penelitian menunjukkan bahwa financial knowledge, self control, dan financial attitude berpengaruh signifikan terhadap saving behavior. Selain itu, financial self efficacy terbukti mampu memoderasi pengaruh financial knowledge terhadap saving behavior, namun financial self efficacy tidak mampu memoderasi pengaruh self control maupun financial attitude terhadap saving behavior.
The Effect of Financial Knowledge, Self Control, and Financial Attitude on Saving Behavior with Financial Self Efficacy as a Moderating Variable
Abstract
Generation Z entering the workforce faces complex financial challenges, especially amidst economic uncertainty and the development of a consumptive lifestyle. One important effort to create financial stability is to build savings behavior. This behavior is influenced by various factors, including financial knowledge, self-control, and financial attitude. However, how much influence these three factors have on saving behavior can still be influenced by the level of one's confidence in managing finances or financial self-efficacy. The purpose of this study is to determine the effect of financial knowledge, self-control, and financial attitude on saving behavior with financial self-efficacy as a moderating variable in Generation Z at UIN Malang who are working in various sectors. This research uses a quantitative approach method. The sampling technique used the theory used by Malhotra with a total of 95 research respondents. The measurement scale used is a Likert scale of 1-5. The data analysis method in this study uses Structural Equation Modeling-Partial Least Square (SEM-PLS) with the help of SmartPLS software version 3.0. Data analysis includes testing the outer model (validity and reliability), inner model (R-square and Q-square tests), and hypothesis testing using bootstrapping techniques. The results showed that financial knowledge, self-control, and financial attitude have a significant effect on saving behavior. In addition, financial self efficacy is proven to be able to moderate the effect of financial knowledge on saving behavior, but financial self efficacy is not able to moderate the effect of self control or financial attitude on saving behavior.
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