CD Tesis
Pengaruh Financial Attitude, Financial Behaviour Dan Financial Socialization Terhadap Financial Well Being Melalui Financial Literacy Sebagai Variabel Mediasi
Financial well-being is a condition in which a person feels happy and free
from fulfilling his financial needs, have money left over, and have ability to
manage his finances. Financial well-being can be seen from how a person
manages his finances well for now and even in the future. The purpose of this
study was to examine and analyze the influence of financial attitudes, financial
behavior, and financial socialization on financial well-being through financial
literacy as a mediating variable for SMEs in the food and beverage sector in
Pekanbaru City. This research is a descriptive study using a quantitative
approach. The distribution of questionnaires to respondents was accompanied
directly by the researcher so that there were no multiple perceptions and the
research objectives were achieved in accordance with expectations. The
population in this study is the MSMEs in the food and beverage sector in
Pekanbaru City as many as 2690 units. Based on the sampling using the Slovin
formula, the number of respondents (sample) was 99 respondents, using the
sample using accidental sampling technique with certain criteria. The data were
then analyzed using structural equation modeling (SEM) and the instrument used
was partial least squares (PLS) software.
The results of this study prove that financial attitudes, financial behavior,
financial socialization have a positive effect on financial welfare. This shows that
good financial attitudes, financial behavior, and financial socialization will
improve the financial welfare of MSME actors in the food and beverage sector in
the city of Pekanbaru. In addition, it is also proven that financial attitudes,
financial behavior, financial socialization through financial literacy as a mediator
have an influence on the financial welfare of MSMEs in the food and beverage
sector in the city of Pekanbaru. This means that financial literacy is able to
mediate on the variables proposed in this study.
Keywords : Financial Attitude, Financial Behavior and Financial Socialization,
Financial Welfare Financial Literacy
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