Shintani, Nadella Putri (2025) Model Kesejahteraan Keuangan Studi Komparasi Masyarakat Kota Surabaya Dan Kabupaten Trenggalek. Masters thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
One of the main factors hindering the achievement of financial well-being is overconsumption, which leads individuals to spend more money than they should due to the influence of a consumptive culture. Financial well-being includes good financial management, the ability to overcome financial problems, and the financial freedom to enjoy life. This study aims to investigate and analyze the influence of financial knowledge, financial experience, and financial behavior on the financial well-being of the people in Surabaya City and Trenggalek Regency, as well as the role of gender in moderating the relationship between financial knowledge and financial behavior. The data used are primary data collected through surveys using questionnaires distributed to respondents via a purposive sampling method. The analysis method employed is structural equation modeling with partial least squares. Based on the results of the analysis, it can be concluded that: (1) financial knowledge has no effect on financial well-being in both Surabaya City and Trenggalek Regency communities, (2) financial experience has a direct effect on financial well-being in both communities, (3) financial behavior does not mediate the effect of financial knowledge on financial well-being in both communities, (4) financial behavior partially mediates the effect of financial experience on financial well-being in Surabaya City communities, but not in Trenggalek Regency communities, and (5) gender does not moderate the effect of financial knowledge on financial behavior in either community group. Keywords: Financial well-being, Financial knowledge, Financial Experience, Financial Behavior, Gender
| Item Type: | Thesis (Masters) |
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| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS |
| Divisions: | Magister of Management |
| Depositing User: | NADELLA PUTRI SHINTANI |
| Date Deposited: | 05 Mar 2025 07:15 |
| Last Modified: | 05 Mar 2025 07:15 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13128 |
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