Hikmayani Subur, Sitti Hajerah Hasyim

Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Rantau dengan Kontrol Diri Sebagai Variabel Intervening

Introduction

Pengaruh literasi keuangan terhadap perilaku pengelolaan keuangan mahasiswa rantau dengan kontrol diri sebagai variabel intervening. Kaji literasi keuangan & perilaku pengelolaan keuangan mahasiswa rantau. Kontrol diri sebagai mediator. Pahami pentingnya literasi finansial dan self-control untuk mahasiswa.

Abstract

Penelitian ini bertujuan untuk menganalisis sejauh mana literasi keuangan memengaruhi perilaku pengelolaan keuangan pada mahasiswa rantau, dengan kontrol diri sebagai variabel intervening. Metode yang digunakan adalah kuantitatif deskriptif, dengan data diperoleh melalui penyebaran kuesioner dan dianalisis menggunakan metode PLS-SEM melalui bantuan software SmartPLS 4. Populasi dalam penelitian ini adalah 2.655 mahasiswa Fakultas Ekonomi Universitas Negeri Makassar dengan total sampel sebanyak 100 mahasiswa rantau yang ditentukan melalui teknik purposive sampling. Hasil penelitian mengungkapkan bahwa literasi keuangan memiliki pengaruh positif dan signifikan terhadap kontrol diri, serta terhadap perilaku pengelolaan keuangan. Selain itu, kontrol diri juga terbukti berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan, serta berperan sebagai mediator dalam hubungan antara literasi keuangan dan perilaku pengelolaan keuangan. Hasil temuan ini menegaskan pentingnya peningkatan literasi keuangan dan kontrol diri guna mendorong perilaku pengelolaan keuangan yang sehat pada mahasiswa rantau.

Review

The paper presents a timely and relevant investigation into the critical factors influencing financial management behavior among migrant students. Focusing on the interplay between financial literacy, self-control, and financial management practices, the study addresses a demographic often facing unique financial challenges. The clear objective to analyze the influence of financial literacy, with self-control as an intervening variable, is well-articulated. Utilizing a quantitative descriptive approach and PLS-SEM, the research successfully uncovers significant relationships, providing a structured understanding of how these elements connect. A key strength of this research lies in its robust methodological approach and the insightful inclusion of self-control as a mediator. By demonstrating that financial literacy positively and significantly influences both self-control and financial management behavior, and crucially, that self-control itself significantly impacts financial management behavior while also mediating the initial relationship, the study offers a more comprehensive model. The use of SmartPLS 4 for analysis ensures a rigorous examination of these hypothesized relationships. These findings are valuable, affirming the importance of foundational financial knowledge and the psychological capacity for self-regulation in fostering sound financial practices, particularly relevant for young adults transitioning to independent living. While the study provides compelling evidence, there are avenues for further enhancement and exploration. The sample size of 100 migrant students, drawn from a larger population of 2,655, might limit the generalizability of the findings to a broader student body or other migrant student populations. Future research could benefit from a larger and more geographically diverse sample to strengthen external validity. Additionally, while the quantitative data provides strong statistical insights, incorporating qualitative elements (e.g., in-depth interviews) could offer a richer, nuanced understanding of the specific financial challenges and behavioral nuances unique to migrant students, potentially uncovering additional contextual factors influencing their financial management decisions.

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