PENGARUH INCOME, DEBT, FINANCIAL STRAIN, FINANCIAL ATTITUDE, DAN FINANCIAL LITERACY DENGAN FINANCIAL MANAGEMENT BEHAVIOR SEBAGAI VARIABEL MEDIASI TERHADAP FINANCIAL SATISFACTION PENGGUNA FINTECH LENDING DI SURABAYA

Abstrak

This study investigates financial satisfaction of fintech lending users in Surabaya. It also considers the effect of income, debt, financial strain, financial attitude, and financial literacy on financial management behavior as a mediator. This study is a sort of conclusive causal research that uses quantitative research data, techniques used in this study are purposive sampling and snowballing sampling. Distributing online questionnaires was used as an instrument collection in this study. The samples size for this study was 230 respondents that fit the criteria. The Structural Equation Model (SEM) technique with AMOS tools was used to analyze the data in this study. This study shows that financial satisfaction is unaffected by income because the increase of income will bring to increase in lifestyle and financial responsibilities. Financial satisfaction is unaffected by debt because most of the respondents feel that by debt they can fulfill their needs and lifestyle. Financial satisfaction is unaffected by financial strain because most of the respondents are at the age of 15-24 years old so they did not feel how financial strain is. Financial satisfaction is unaffected by financial attitude because most of the respondents are not capable to manage their finances. Financial literacy and financial management behavior affect financial satisfaction. Financial management behavior is unaffected by financial attitude because most of the respondents put their needs and lifestyle first. Financial literacy affects financial management behavior. Financial management behavior does not mediate financial attitude towards financial satisfaction. Financial management behavior mediates financial literacy towards financial satisfaction.