Nur Anggraeni, - and Asep Kurniawan, - and Fitrina Kurniati, - (2025) PENGARUH FINANCIAL ATTITUDE DAN FINANCIAL LITERACY TERHADAP FINANCIAL BEHAVIOR DENGAN PENDAPATAN SEBAGAI VARIABEL MODERASI : Studi pada ibu rumah tangga milenial Kelurahan Cimincrang. S1 thesis, Universitas Pendidikan Indonesia.
Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh financial attitude dan financial literacy terhadap financial behavior dengan pendapatan sebagai variabel moderasi pada ibu rumah tangga milenial di Kelurahan Cimincrang. Jenis penelitian ini adalah kuantitatif dengan pendekatan deskriptif dan verifikatif. Sampel penelitian berjumlah 154 Ibu Rumah Tangga Milenial melalui metode census. Uji Validitas instrumen dilakukan menggunakan korelasi Product Moment, sedangkan uji reliabilitas menggunakan Cronbach's Alpha. Data dikumpulkan melalui kuesioner berbasis Google Form yang disebarkan secara langsung dengan pendampingan pengisian. Teknik analisis data dilakukan menggunakan Moderated Regression Analysis (MRA), serta pengujian hipotesis menggunakan uji F dan uji t yang dianalisis menggunakan IBM SPSS Versi 30. Hasil Penelitian menunjukan bahwa financial attitude dan financial literacy berpengaruh positif terhadap financial behavior. Pendapatan berperan sebagai variabel moderasi, yaitu memperlemah pengaruh financial attitude namun memperkuat pengaruh financial literacy terhadap financial behavior. This study aims to analyze the influence of financial attitude and financial literacy on financial behavior with income as a moderating variable among millennial housewives in Cimincrang Subdistrict. The research employs a quantitative approach with descriptive and verification methods. The sample consisted of 154 millennial housewives determined using a census method. Instrument validity was tested using the Product Moment correlation, while reliability was measured with Cronbach's Alpha. Data were collected through questionnaires distributed via Google Form and assisted directly during completion. The data were analyzed using Moderated Regression Analysis (MRA), with hypothesis testing conducted through F-test and t-test using IBM SPSS Version 30. The results indicate that financial attitude and financial literacy have a positive effect on financial behavior. Furthermore, income moderates these relationships by weakening the effect of financial attitude while strengthening the effect of financial literacy on financial behavior.
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| Item Type: | Thesis (S1) |
|---|---|
| Additional Information: | https://scholar.google.com/citations?hl=en&user=eTX__fAAAAAJ&view_op=list_works&gmla=AH8HC4wLKJf2JxPB4rLrEa1kEw7rodP80hZppFnWWfuOnJH0oJIpfH-4N_9z1rXWGa6Joo0U8oLWQzBNBZElGOMl ID SINTA Dosen Pembimbing: Asep Kurniawan: 5993334 Fitrina Kurniati: 6753806 |
| Uncontrolled Keywords: | Sikap Keuangan, Literasi Keuangan, Pendapatan, Perilaku Keuangan, Ibu Rumah Tangga Financial Attitude, Financial Literacy, Income, Financial Behavior, Housewives |
| Subjects: | H Social Sciences > HG Finance H Social Sciences > HQ The family. Marriage. Woman |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Akuntansi |
| Depositing User: | Nur Anggraeni |
| Date Deposited: | 16 Sep 2025 02:03 |
| Last Modified: | 16 Sep 2025 02:03 |
| URI: | http://repository.upi.edu/id/eprint/138701 |
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