Pengaruh Edukasi Keuangan Terhadap Pengelolaan Keuangan Pribadi dengan Kesadaran Resiko Sebagai Variabel Mediasi
DOI:
https://doi.org/10.37385/msej.v7i4.10754Keywords:
Edukasi keuangan, kesadaran resiko, pengelolaan keuangan pribadi, SmartPLS, perilaku keuanganAbstract
Penelitian ini bertujuan menganalisis pengaruh edukasi keuangan terhadap pengelolaan keuangan pribadi dengan kesadaran resiko sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif dengan desain survei. Populasi penelitian adalah masyarakat Bekasi yang memiliki pengalaman atau minat dalam investasi keuangan. Sampel berjumlah 85 responden yang dipilih menggunakan purposive sampling. Pengumpulan data dilakukan melalui kuesioner online dengan skala Likert lima poin, sedangkan analisis data menggunakan Structural Equation Modeling berbasis SmartPLS. Hasil penelitian menunjukkan bahwa edukasi keuangan berpengaruh positif dan signifikan terhadap kesadaran resiko dan pengelolaan keuangan pribadi. Kesadaran resiko juga berpengaruh positif dan signifikan terhadap pengelolaan keuangan pribadi. Selain itu, kesadaran resiko terbukti mampu memediasi secara signifikan pengaruh edukasi keuangan terhadap pengelolaan keuangan pribadi. Nilai R Square menunjukkan bahwa model memiliki kemampuan penjelasan yang kuat. Temuan ini menegaskan bahwa peningkatan edukasi keuangan dan kesadaran resiko dapat memperkuat kualitas pengelolaan keuangan pribadi masyarakat
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