Pengaruh Financial Knowledge terhadap Financial Satisfaction dengan Financial Stress sebagai Variabel Moderasi pada Mahasiswa Universitas Mulawarman Samarinda
DOI:
https://doi.org/10.63822/5g5vqb91Keywords:
Pengetahuan Keuangan; Kepuasan Finansial; Stres KeuanganAbstract
Kepuasan finansial merupakan aspek penting dari kesejahteraan keuangan mahasiswa yang dapat dipengaruhi oleh pengetahuan keuangan dan tekanan keuangan. Penelitian ini bertujuan untuk menguji pengaruh pengetahuan keuangan terhadap kepuasan finansial serta peran tekanan keuangan sebagai variabel moderasi pada mahasiswa Fakultas Ekonomi dan Bisnis Universitas Mulawarman. Penelitian ini menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 98 responden yang dipilih menggunakan teknik purposive sampling. Data dianalisis menggunakan Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS) dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa pengetahuan keuangan berpengaruh positif terhadap kepuasan finansial, sedangkan tekanan keuangan berpengaruh negatif. Namun, tekanan keuangan tidak mampu memoderasi hubungan antara pengetahuan keuangan dan kepuasan finansial.
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