Pengaruh Literasi Keuangan Terhadap Financial Well Being

Indrawan, Marwan Asri, Prof., M.B.A., Ph.D

2024 | Tesis | S2 MANAJEMEN (MM) JAKARTA

Beberapa dampak negatif yang muncul akibat masalah keuangan atau ekonomi pada seseorang melibatkan risiko perceraian, potensi tindakan bunuh diri, gangguan tidur yang meningkat, penurunan kesehatan mental, pengaruh terhadap harga diri, kesehatan fisik, dan dinamika hubungan di lingkungan rumah tangga. Oleh karena itu, tujuan dari penelitian ini adalah untuk mengevaluasi sejauh mana literasi keuangan dapat memengaruhi kesejahteraan keuangan. Apakah tingkat literasi keuangan memberikan dampak positif terhadap kesejahteraan keuangan. Metodologi yang diterapkan dalam penelitian ini adalah Partial Least Square – Structural Equation Model (PLS-SEM). Penelitian ini menggunakan data primer yang diperoleh melalui kuesioner daring, melibatkan 215 responden. Hasil penelitian menunjukkan bahwa literasi keuangan memberikan dampak positif terhadap kesejahteraan keuangan. Individu dengan tingkat literasi keuangan yang lebih tinggi lebih cenderung mencapai tingkat kesejahteraan keuangan yang lebih baik. Mereka dapat menurunkan bias kognitif dan emosional sehingga memiliki kemampuan membuat keputusan keuangan yang cerdas dan mengelolaa resiko lebih baik yang berkontribusi pada peningkatan kesiapan finansial untuk situasi darurat, mengurangi stres dalam pengelolaan uang saat ini, dan meningkatkan keamanan finansial.

Various adverse consequences arise when individuals face challenges related to financial or economic factors, including divorce, an elevated risk of suicide, heightened sleep disturbances, diminished mental health, reduced self-esteem, compromised physical health, and strained household relationships. Consequently, the objective of this study is to assess the influence of financial literacy on financial well-being, exploring whether financial literacy exerts a positive effect on financial well-being. The analysis employs the Partial Least Square - Structural Equation Model (PLS-SEM) method. Primary data for this research are gathered through an online questionnaire involving 215 respondents. The results reveal that financial literacy exerts a positive influence on financial well-being. Individuals with higher levels of financial literacy are more likely to attain superior financial well-being.

They can mitigate cognitive and emotional biases, enabling them to make intelligent financial decisions and better manage risks. This contributes to increased financial preparedness for emergencies, reduces stress in current money management, and enhances financial security.

 Various adverse consequences arise when individuals face challenges related to financial or economic factors, including divorce, an elevated risk of suicide, heightened sleep disturbances, diminished mental health, reduced self-esteem, compromised physical health, and strained household relationships. Consequently, the objective of this study is to assess the influence of financial literacy on financial well-being, exploring whether financial literacy exerts a positive effect on financial well-being. The analysis employs the Partial Least Square - Structural Equation Model (PLS-SEM) method. Primary data for this research are gathered through an online questionnaire involving 215 respondents. The results reveal that financial literacy exerts a positive influence on financial well-being. Individuals with higher levels of financial literacy are more likely to attain superior financial well-being.

They can mitigate cognitive and emotional biases, enabling them to make intelligent financial decisions and better manage risks. This contributes to increased financial preparedness for emergencies, reduces stress in current money management, and enhances financial security.

Kata Kunci : Literasi keuangan , Financial well being, Keputusan keuangan