Analisis Pengaruh Saving Behavior, Money Attitude, dan Financial Literacy terhadap Financial Well-Being
Studi Kasus pada Mahasiswa Universitas Budi Luhur Kampus Roxy
DOI:
https://doi.org/10.61132/pajamkeu.v3i5.2547Keywords:
Financial Literacy, Money Attitude, Students, Financial Well-Being, Saving BehaviorAbstract
This study aims to analyze the effect of saving behavior, money attitude, and financial literacy on the financial well-being of students at Universitas Budi Luhur Kampus Roxy. The study employed a quantitative approach using a survey method. The sample consisted of 246 active students selected through purposive sampling. Respondents were active students who had experience managing personal finances and using digital financial services such as e-wallets, mobile banking, or other digital transaction platforms. Data were collected through a questionnaire using a five-point Likert scale and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 4. The measurement model showed that all indicators met the required validity and reliability criteria. The structural model indicated that saving behavior had a positive and significant effect on financial well-being, with a coefficient of 0.334, t-statistics of 7.299, and p-values of 0.000. Money attitude also had a positive and significant effect, with a coefficient of 0.407, t-statistics of 9.625, and p-values of 0.000. Financial literacy had a positive and significant effect, with a coefficient of 0.404, t-statistics of 10.595, and p-values of 0.000. The R² value of 0.634 indicates that saving behavior, money attitude, and financial literacy jointly explain 63.4% of the variation in students’ financial well-being. The findings indicate that improving students’ financial well-being requires consistent saving habits, a healthy attitude toward money, and continuous improvement of financial literacy.
Keywords: Saving Behavior; Money Attitude; Financial Literacy; Financial Well-Being; Students
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