KESEJAHTERAAN KEUANGAN: PERAN PENGETAHUAN KEUANGAN, SIKAP KEUANGAN, PERILAKU KEUANGAN, DAN STRES KEUANGAN
Keywords:
Pengetahuan, Sikap, Perilaku, Stress, KesejahteraanAbstract
Adanya kesenjangan antara pemahaman teoritis tentang pengelolaan keuangan dengan implementasi praktisnya seringkali dipengaruhi oleh faktor psikologis dan emosional. Meskipun literasi keuangan telah menjadi fokus penting, banyak individu masih kesulitan mencapai stabilitas dan kesejahteraan keuangan. Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan keuangan, sikap keuangan, perilaku keuangan, dan stress keuangan terhadap kesejahteraan keuangan. Objek pada penelitian ini adalah mahasiswa Fakultas Ekonomi dan Bisnis di Daerah Istimewa Yogyakarta dengan data yang dikumpulkan sebanyak 113 responden. Sampel diambil menggunakan Teknik purposive sampling dengan beberapa kriteria yang diterapkan. Metode pengumpulan data menggunakan kuesioner. Alat analisis data menggunakan software SPSS 25. Hasil uji skala instrumen yang digunakan dalam penelitian ini adalah uji validitas dan uji reliabilitas. Pengujian hipotesis menunjukkan bahwa pengetahuan keuangan tidak memiliki pengaruh terhadap kesejahteraan keuangan, sikap keuangan tidak memiliki pengaruh terhadap kesejahteraan keuangan, perilaku keuangan memiliki pengaruh positif terhadap kesejahteraan keuangan, dan stress keuangan tidak memiliki pengaruh terhadap kesejahteraan keuangan.
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