Pengaruh Literasi Keuangan terhadap Kesejahteraan Keuangan pada Guru Milenial melalui Sikap Terhadap Menabung dan Perilaku Keuangan

Rosichah Dina Amalia; Aniek Hindrayani

doi:10.69693/ijim.v4i3.1637

Authors

Rosichah Dina Amalia Universitas Sebelas Maret
Aniek Hindrayani Universitas Sebelas Maret

DOI:

https://doi.org/10.69693/ijim.v4i3.1637

Keywords:

Keywords: financial literacy, saving attitude, financial behavior, financial well-being

Abstract

Penelitian dimaksudkan untuk mengkaji sejauh mana pengaruh literasi keuangan terhadap kesejahteraan keuangan para guru milenial di SMK Negeri Kota Surakarta, baik melalui jalur langsung maupun melalui peran mediasi sikap terhadap kegiatan menabung serta perilaku pengelolaan keuangan. Pendekatan yang digunakan bersifat kuantitatif dengan desain survei. Sebanyak 157 guru milenial berusia antara 30 hingga 45 tahun, yang berstatus sebagai PNS, PPPK, maupun honorer, menjadi responden penelitian ini melalui penyebaran kuesioner secara daring (Google Form) maupun cetak. Data yang terkumpul selanjutnya diolah dengan teknik Partial Least Squares Structural Equation Modeling (PLS-SEM) menggunakan perangkat lunak SmartPLS versi 4. Temuan menunjukkan bahwa literasi keuangan memberikan pengaruh yang positif dan signifikan baik terhadap sikap menabung maupun terhadap perilaku keuangan. Sikap menabung sendiri turut memberikan pengaruh positif terhadap perilaku keuangan, sementara perilaku keuangan memberikan pengaruh positif terhadap kesejahteraan keuangan. Akan tetapi, tidak ditemukan bukti pengaruh langsung yang signifikan antara literasi keuangan dan kesejahteraan keuangan. Pengujian mediasi mengonfirmasi bahwa sikap menabung berperan memediasi hubungan literasi keuangan dengan perilaku keuangan, perilaku keuangan berperan memediasi hubungan literasi keuangan dengan kesejahteraan keuangan, serta kombinasi sikap menabung dan perilaku keuangan secara berjenjang (serial mediation) turut memediasi hubungan literasi keuangan terhadap kesejahteraan keuangan. Dengan demikian, dapat disimpulkan bahwa peningkatan literasi keuangan semata tidak akan cukup mendorong tercapainya kesejahteraan keuangan guru milenial apabila tidak dibarengi dengan sikap positif dalam menabung serta praktik pengelolaan keuangan yang bertanggung jawab. Temuan ini diharapkan dapat menjadi pertimbangan bagi pihak sekolah maupun dinas pendidikan dalam menyusun program literasi keuangan yang tidak sebatas transfer pengetahuan, melainkan juga membangun sikap dan kebiasaan pengelolaan keuangan yang baik di kalangan guru milenial.

Kata kunci: literasi keuangan, kesejahteraan keuangan; sikap terhadap menabung, perilaku keuangan, guru milenial

This study aims to examine the effect of financial literacy on the financial well-being of millennial teachers at State Vocational High Schools (SMK Negeri) in Surakarta City, considering both a direct pathway and indirect pathways mediated by saving attitude and financial behavior. A quantitative survey design was adopted for this purpose. The sample consisted of 157 millennial teachers between 30 and 45 years of age, holding civil-servant (PNS), government-contract (PPPK), or honorary (Honorer) employment status, who responded to questionnaires distributed both online through Google Form and in printed form. The collected data were subsequently processed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. The findings reveal that financial literacy exerts a positive and significant influence on both saving attitude and financial behavior. Saving attitude, in turn, positively affects financial behavior, while financial behavior positively affects financial well-being. Nevertheless, no significant direct relationship was found between financial literacy and financial well-being. The mediation analysis confirms that saving attitude mediates the relationship between financial literacy and financial behavior, financial behavior mediates the relationship between financial literacy and financial well-being, and the sequential combination of saving attitude and financial behavior (serial mediation) mediates the relationship between financial literacy and financial well-being. These results suggest that raising financial literacy alone is insufficient to secure the financial well-being of millennial teachers unless it is coupled with a favorable attitude toward saving and the practice of responsible financial behavior. The study offers practical implications for schools and education authorities in designing financial education initiatives that go beyond knowledge transfer to also cultivate sound financial attitudes and habits among teachers.

Keywords: financial literacy, saving attitude, financial behavior, financial well-being

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