| NIM | C1B021032 |
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| Namamhs | DIAN TANITA PUTRI |
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| Judul Artikel | Pengaruh Financial Literacy dan Financial Stress terhadap Financial Well-Being pada UMKM di Banyumas dengan Financial Behaviour sebagai Variabel Mediasi |
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| Abstrak (Bhs. Indonesia) | Penelitian ini bertujuan untuk menganalisis pengaruh financial literacy dan financial stress terhadap financial well-being dengan financial behaviour sebagai variabel mediasi. Variabel dependen yang digunakan dalam penelitian ini yaitu financial well-being, variabel independen terdiri dari financial literacy dan financial stress, serta variabel mediasi berupa financial behaviour. Jenis penelitian pada penelitian ini adalah penelitian kuantitatif dengan metode kuesioner. Populasi pada penelitian ini yaitu pemilik UMKM di Kabupaten Banyumas. Teknik penentuan sampel menggunakan purposive sampling yang didasarkan pada beberapa kriteria. Diperoleh jumlah sampel sebanyak 110 pemilik UMKM. Teknik analisis data yang digunakan yaitu analisis deskriptif, evaluasi model pengukuran (outer model), evaluasi model struktural (inner model), dan uji hipotesis. Hasil penelitian menunjukkan bahwa financial literacy berpengaruh positif terhadap financial well-being, financial literacy berpengaruh positif terhadap financial behaviour, financial behaviour berpengaruh positif terhadap financial well-being, financial behaviour memediasi pengaruh financial literacy terhadap financial well-being, financial stress tidak berpengaruh terhadap financial well-being, financial stress berpengaruh positif terhadap financial behaviour, dan financial behaviour tidak memediasi pengaruh financial stress terhadap financial well-being. |
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| Abtrak (Bhs. Inggris) | This research aims to analyze the influence of financial literacy and financial stress on financial well-being with financial behaviour as a mediating variable. The dependent variable used in this research is financial well-being, the independent variable consists of financial literacy and financial stress, and the mediating variable is financial behaviour. The type of research in this research is quantitative research using a questionnaire method. The population in this research is MSME owners in Banyumas Regency. The sampling technique uses purposive sampling which is based on several criteria. The sample size was 110 MSME owners. The data analysis techniques used are evaluation of the measurement model (outer model), evaluation of the structural model (inner model), and hypothesis testing. The research results show that financial literacy has a positive effect on financial well-being, financial literacy has a positive effect on financial behaviour, financial behaviour has a positive effect on financial well-being, financial behaviour mediates the effect of financial literacy on financial well-being, financial stress has no effect on financial well-being, financial stress has a positive effect on financial behaviour, and financial behaviour does not mediate the effect of financial stress on financial well-being. |
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| Kata kunci | inancial Well-Being, Financial Literacy, Financial Stress, Financial Behaviour |
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| Pembimbing 1 | Prof. Dr. Sri Lestari, S.E., M.Si |
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| Pembimbing 2 | |
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| Pembimbing 3 | |
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| Tahun | 2025 |
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| Jumlah Halaman | 12 |
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| Tgl. Entri | 2025-05-08 11:06:58.963672 |
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