Faktor-Faktor yang Memengaruhi Behavioral Intention Serta Dampaknya Terhadap Financial Management Behavior
DOI:
https://doi.org/10.38035/jim.v5i2.2130Keywords:
literasi keuangan, sikap keuangan, niat berperilaku, perilaku manajemen keuangan, pls-semAbstract
Studi ini menginvestigasi financial management behavior mahasiswa S1 Akuntansi Universitas Jambi melalui variabel literasi keuangan, sikap keuangan, dan niat perilaku. Metode kuantitatif eksplanatori digunakan dengan purposive sampling terhadap 185 responden dan pengolahan data melalui PLS-SEM menggunakan SmartPLS 4. Pengujian mengungkapkan bahwa literasi keuangan berpengaruh signifikan terhadap sikap keuangan (β = 0,757; p = 0,000), niat perilaku (β = 0,441; p = 0,000), dan financial management behavior (β = 0,465; p = 0,000). Sikap keuangan juga berpengaruh signifikan terhadap niat perilaku (β = 0,444; p = 0,000) dan financial management behavior (β = 0,278; p = 0,000), sedangkan niat perilaku tidak terbukti sebagai prediktor bermakna (p = 0,084). Mediasi sikap keuangan terkonfirmasi signifikan (β = 0,210; p = 0,000), sementara niat perilaku gagal memediasi jalur mana pun.
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