Determinasi Perilaku Pengelolaan Keuangan Pribadi ASN: Pengetahuan dan Efikasi Diri Keuangan sebagai Variabel Moderasi
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Abstract
Fenomena meningkatnya tekanan ekonomi dan rendahnya literasi keuangan di kalangan masyarakat, termasuk Aparatur Sipil Negara (ASN), memicu urgensi akan pentingnya pengelolaan keuangan pribadi yang efektif. Penelitian ini dilakukan untuk mengkaji dampak sikap individu atas uang dan sosialisasi keuangan dalam keluarga terhadap perilaku pengelolaan keuangan pribadi dengan memasukkan pengetahuan keuangan dan efikasi diri keuangan sebagai variabel moderasi. Metode purposive sampling digunakan dalam menentukan jumlah sampel dan diperoleh 367 orang ASN. Data yang diperoleh diolah menggunakan sofware Smart PLS 4.1. Temuan penelitian menunjukkan sikap atas uang dan sosialisasi keuangan keluarga berpengaruh signifikan positif terhadap perilaku pengeloalaaan keuangan ASN, sedangkan pengetahuan keuangan melemahkan pengaruh sosialisasi keuangan keluarga terhadap perilaku pengelolaan keuangan pribadi.
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