Membangun Kesejahteraan Finansial Rumah Tangga: Integrasi Lifestyle, Financial Behavior, dan Financial Self-Control
DOI:
https://doi.org/10.37849/midi.v26i1.551Keywords:
Lifestyle, Financial Self-Control, Financial Behavior, Financial Well-BeingAbstract
Kesejahteraan finansial rumah tangga menjadi tantangan penting di tengah dinamika gaya hidup dan perilaku keuangan masyarakat perkotaan. Penelitian ini menganalisis pengaruh lifestyle dan financial behavior terhadap financial well-being, serta peran mediasi financial self-control pada rumah tangga di Kota Semarang. Penelitian menggunakan pendekatan kuantitatif dengan survei cross-sectional terhadap 250 responden yang dipilih melalui stratified random sampling. Data dianalisis menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa lifestyle berpengaruh signifikan terhadap financial behavior (β = 0,412) dan financial well-being (β = 0,287). Sementara itu, financial behavior berpengaruh signifikan terhadap financial self-control (β = 0,534) dan financial well-being (β = 0,356). Financial self-control juga berpengaruh signifikan terhadap financial well-being (β = 0,423). Lebih lanjut, financial self-control terbukti memediasi secara parsial pengaruh financial behavior terhadap financial well-being (β = 0,226; p < 0,001). Temuan ini menegaskan pentingnya pengendalian diri dalam memperkuat kontribusi perilaku keuangan terhadap kesejahteraan finansial rumah tangga. Penelitian ini memberikan implikasi bagi pengembangan edukasi keuangan yang tidak hanya berorientasi pada pengetahuan, tetapi juga pembentukan perilaku dan pengendalian diri finansial.
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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
