SKRIPSI MBS
PEBGARUH LITERASI KEUANGAN DAN UANG SAKU TERHADAP PERILAKU KEUANGAN MAHASISWA MELALUI FINANCIAL SELF EFFICACY SEBAGAI VARIABEL MEDIASI
ABSTRACT
In this era of globalization and economic progress, there have been many
changes, one of which is in financial behavior. Not a few people have difficulty
managing money, which sadly is considered a failure. This study aims to determine
the effect of financial literacy and pocket money on student financial behavior
through financial self-efficacy as a mediating variable in active students of UIN
Raden Mas Said Surakarta Strata one.
The population in this study were active students of Raden Mas Said State
Islamic University Surakarta strata one who received pocket money. The exact
population in this study is unknown. This study uses a non-probability sampling
method. The technique used is purposive sampling and data collection by
distributing questionnaires. Meanwhile, data processing was carried out with the
help of SmartPLS 4.1.0 software.
The results of this study reveal that financial literacy is stated to have no effect
on financial behavior. Pocket money has no effect on financial behavior. Financial
self-efficacy significantly mediates the effect of financial literacy on financial
behavior. Financial self-efficacy can mediate the relationship between student
pocket money < IDR 500,000 on financial behavior. Financial self-efficacy cannot
mediate the effect of pocket money IDR 500,000 - IDR 700,000 on student financial
behavior. Financial self-efficacy can mediate the relationship between student
pocket money IDR 701,000 - IDR 900,000 on financial behavior. Financial self-
efficacy cannot mediate the effect of pocket money IDR 901,000 - IDR 1,100,000 on
student financial behavior.
Keywords: Financial Literacy, Pocket Money, Financial Self-Efficacy, Financial
Behavior.
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