Faktor-faktor yang Memengaruhi Financial Satisfaction Buruh di Kota Surabaya
DOI:
https://doi.org/10.26740/jim.v8n4.p1312-1324Keywords:
financial attitude, financial literacy, financial management behavior, financial satisfaction.Abstract
The high value of wages is influenced by the high level of living needs as well. A high standard cost of living can cause financial distress for workers. Individuals with high incomes but dont have any skill to control their financial situation can cause financial problems. Consequently, individual financial satisfaction is low. This study conducted to determine the influence between financial attitude and financial literacy toward financial satisfaction with financial management behavior as a mediating variable. The respondents are 121 workforces from companies in the Rungkut Industry area (SIER) as samples. This research using quota sampling and collecting data by online questionnaires. This study uses Structural Equation Model (SEM) and processed by AMOS 2.4. The result shows that only financial management behavior can affect financial satisfaction. Meanwhile, variable financial attitude, financial literacy can not affect on financial satisfaction. Financial attitude and financial literacy also can not affect on financial management behavior. This study indicated that financial management behavior can not mediate between financial attitude on financial satisfaction and financial literacy on financial satisfaction.
References
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Ameliawati, M., & Setiyani, R. (2018). The Influence of Financial Attitude, Financial Socialization, and Financial Experience to Financial Management Behavior with Financial Literacy as the Mediation Variable. KnE Social Sciences, 3(10), 811. https://doi.org/10.18502/kss.v3i10.3174
Andani, N. D. (2018). Pengaruh Income, Financial Knowledge, Financial Behavior dan Childhood Consumer Experience terhadap Financial Satisfaction Pada Pegawai PT Perusahaan Listrik Negara (Persero) Wilayah Sumatera Utara. http://repositori.usu.ac.id/handle/123456789/7266
Arifin, A. Z. (2018). Influence Factors toward Financial Satisfaction with Financial Behavior as Intervening Variable on Jakarta Area Workforce. European Research Studies Journal, 21(1), 90103.
Armilia, N., & Isbanah, Y. (2020). Faktor yang Mempengaruhi Kepuasan Keuangan Pengguna Financial Technology di Surabaya. Jurnal Informasi Manajemen (JIM), 8(2018), 3950.
Asandimitraa, N., Kautsar, A. (2019). The Influence of Financial Information, Financial Self Efficacy, and Emotional Intelligence to Financial Management Behavior of Female Lecturer. Humanities & Social Sciences Reviews, 7(6), 1112-1124. https://doi.org/10.18510/hssr.201li9.76160
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BPS RI (2018). Berita Resmi Statistik Keadaan Ketenagakerjaan Kota Surabaya. (https://surabayakota.bps.go.id/pressrelease/2018/12/26/118/keadaan-ketenagakerjaan--kotasurabaya--agustus-2018-.html. Diakses pada 14 Oktober 2019 Pukul 09:59 WIB)
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, Volume 7, Issue 2. 107-128. https://doi.org/10.1016/S10570810(99)80006-7
CoÅŸkuner, S. (2016). Understanding Factors Affecting Financial Satisfaction: The Influence of Financial Behavior, Financial Knowledge and Demographics. Imperial Journal of Interdisciplinary Research, 2(5), 24541362. http://www.onlinejournal.in
Darmawan, D., & Pamungkas, A. S. (2019). Pengaruh Financial Attitude, Financial Behavior, dan Financial Knowledge terhadap Financial Satisfaction. Jurnal Manajerial dan Kewirausahaan, Volume 1, No. 2. 172-181.
Deny, Septian. (2018). Cek Besaran UMP 2019 di 25 Provinsi. Liputan6.com (https://m.liputan6.com/bisnis/read/3685917/cek-besaran-ump-2019-di-25-provinsi. Diakses pada 12 Oktober 2019 Pukul 21:40 WIB)
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Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment a model of financial satisfaction predictors: Examining the mediate effect of financial behaviour and financial strain. World Applied Sciences Journal, 20(2), 190197. https://doi.org/10.5829/idosi.wasj.2012.20.02.1832
Ghozali, I. (2017). Model Persamaan Struktural Konsep dan Aplikasi dengan Program AMOS 24 Update Bayesian SEM (VII). Badan Penerbit Undip.
Halim, Y. K. E., & Astuti, D. (2015). Financial Stressors, Financial Behavior, Risk Tolerance, Financial Solvency, Financial Knowledge, dan Kepuasan Finansial. Jurnal Finesta, 3(1), 1923. https://doi.org/10.1109/EDOC.2009.26
Hasibuan, B. K., Lubis, Y. M., & HR, W. A. (2018). Financial Literacy and Financial Behavior as a Measure of Financial Satisfaction. Advances in Economics, Business and Management Reearch (AEBMR), 46, 503507. https://doi.org/10.2991/ebic-17.2018.79
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income terhadap Financial Management Behavior. Journal of Theory and Applied Management, 9(3), 226241. https://doi.org/10.20473/jmtt.v9i3.3077
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Kautsar, A., Asandimitra, N. (2019). Financial Knowledge as Youth Preneur Success Factor. Journal of Social and Development Science, Vol. 10, No. 2, 2019, pp. 26-32
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255
Laily, N. (2016). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. Journal of Accounting and Business Education, 1(4). https://doi.org/10.26675/jabe.v1i4.6042
Lianto, R., Elizabeth, S. M. (2017). Analisis Pengaruh Financial Attitude, Financial Knowledge, Income terhadap Financial Behavior di Kalangan Ibu Rumah Tangga Palembang (Studi Kasus Kecamatan Ilir Timur I). STMIK GI MDP & MDP Business School. https://eprints.mdp.ac.id/2365
Listiani, K. (2017). Pengaruh Financial Knowledge, Locus of Control dan Financial Attitude terhadap Financial Management Behavior pada Mahasiswa. STIE Perbanas. Perbanas Institutional Repository. https://eprints.perbanas.ac.id/id/eprint/2917
Malhotra. (2017). Riset Pemasaran Pendekatan Terapan In Pemasaran (4th ed). Jakarta: PT Indeks Mien, N. T. N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Economics, Finance and Social Sciences Journal, 9781. http://digital.lib.ueh.edu.vn/handle/UEH/56557
Pusparani, A., & Krisnawati, A. (2019). Analisis Pengaruh Financial Literacy dan Financial Attitude terhadap Financial Behavior pada Siswa Sekolah Menengah Pertama di Kota Bandung. Jurnal Mitra Manajemen (JMM Online), 72-83.
Rai, K., Dua, S., & Yadav, M. (2019). Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach. FIIB Business Review, 8(1), 5160. https://doi.org/10.1177/2319714519826651
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3), 93107.
Santoso, S. H. (2017). Analisis Faktor-faktor yang Mempengaruhi Financial Satisfaction pada Masyarakat di Kota Makassar.
Sugiyono. (2012). Metode Penelitian Kombinasi (Mixed Methods). In Sugiyono. Bandung: CV Alfabeta.
Sugiyono. (2013). In Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: CV Alfabeta.
Sugiyanto, T., Radianto, W. E., Efrata, T. C., & Dewi, L. (2019). Financial Literacy, Financial Attitude, and Financial Behavior of Young Pioneering Business Entrepreneurs. 2019 International Conference on Organizational Innovation (ICOI 2019), 100(Icoi), 353358. https://doi.org/10.2991/icoi-19.2019.60
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. Bisnis & Birokrasi Journal, 23(3). https://doi.org/10.20476/jbb.v23i3.9175
Ajzen 2005. Attitude, Peronality and Behavior. New York: Open Univerity Press.
Ali, W., Ali, S., & Haq, A. U. (2019). Influence of Life Events on the Financial Satisfaction of Individuals. IBT Journal of Business studies 15, 123137. http://jms.ilmauniversity.edu.pk/index.php/jbs/article/view/300
Ameliawati, M., & Setiyani, R. (2018). The Influence of Financial Attitude, Financial Socialization, and Financial Experience to Financial Management Behavior with Financial Literacy as the Mediation Variable. KnE Social Sciences, 3(10), 811. https://doi.org/10.18502/kss.v3i10.3174
Andani, N. D. (2018). Pengaruh Income, Financial Knowledge, Financial Behavior dan Childhood Consumer Experience terhadap Financial Satisfaction Pada Pegawai PT Perusahaan Listrik Negara (Persero) Wilayah Sumatera Utara. http://repositori.usu.ac.id/handle/123456789/7266
Arifin, A. Z. (2018). Influence Factors toward Financial Satisfaction with Financial Behavior as Intervening Variable on Jakarta Area Workforce. European Research Studies Journal, 21(1), 90103.
Armilia, N., & Isbanah, Y. (2020). Faktor yang Mempengaruhi Kepuasan Keuangan Pengguna Financial Technology di Surabaya. Jurnal Informasi Manajemen (JIM), 8(2018), 3950.
Asandimitraa, N., Kautsar, A. (2019). The Influence of Financial Information, Financial Self Efficacy, and Emotional Intelligence to Financial Management Behavior of Female Lecturer. Humanities & Social Sciences Reviews, 7(6), 1112-1124. https://doi.org/10.18510/hssr.201li9.76160
BPS RI. (2018). Keadaan Angkatan Kerja di Indonesia. (https://www.bps.go.id/publication/2018/11/30/6d8a8eb26ac657f7bd170fca/keadaanangkatan-kerja-di-indonesia-agustus-2018.html. Diakses pada 14 Oktober 2019 Pukul 09:59 WIB)
BPS RI (2018). Berita Resmi Statistik Keadaan Ketenagakerjaan Kota Surabaya. (https://surabayakota.bps.go.id/pressrelease/2018/12/26/118/keadaan-ketenagakerjaan--kotasurabaya--agustus-2018-.html. Diakses pada 14 Oktober 2019 Pukul 09:59 WIB)
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, Volume 7, Issue 2. 107-128. https://doi.org/10.1016/S10570810(99)80006-7
CoÅŸkuner, S. (2016). Understanding Factors Affecting Financial Satisfaction: The Influence of Financial Behavior, Financial Knowledge and Demographics. Imperial Journal of Interdisciplinary Research, 2(5), 24541362. http://www.onlinejournal.in
Darmawan, D., & Pamungkas, A. S. (2019). Pengaruh Financial Attitude, Financial Behavior, dan Financial Knowledge terhadap Financial Satisfaction. Jurnal Manajerial dan Kewirausahaan, Volume 1, No. 2. 172-181.
Deny, Septian. (2018). Cek Besaran UMP 2019 di 25 Provinsi. Liputan6.com (https://m.liputan6.com/bisnis/read/3685917/cek-besaran-ump-2019-di-25-provinsi. Diakses pada 12 Oktober 2019 Pukul 21:40 WIB)
Diener, E., Lucas, R. E., & Oishi, S. (2000). Subjective Well-Being. In The Science of Happiness and Life Satisfaction (pp. 6373). https://doi.org/10.1093/oxfordhb/9780195187243.013.0017
Economy.okezone.com. (2017). Inilah Daftar Kebutuhan Hidup Layak di 7 Kota Besar. (http://economy.okezone.com/amp/2017/05/26/320/1700999/inilahdaftar-kebutuhan-hidup-layak-di-7-kota-besar. Diakses pada 16 Oktober 2019 Pukul 13:00 WIB)
Faizal. (2018). UMK Jatim 2019 Ditetapkan Tertinggi Rp 3,8 Juta Terendah Rp 1,7 juta. Kompas.com. (http://amp.kompas.com/surabaya. Diakses pada 13 Oktober 2019 Pukul 20:00 WIB)
Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment a model of financial satisfaction predictors: Examining the mediate effect of financial behaviour and financial strain. World Applied Sciences Journal, 20(2), 190197. https://doi.org/10.5829/idosi.wasj.2012.20.02.1832
Ghozali, I. (2017). Model Persamaan Struktural Konsep dan Aplikasi dengan Program AMOS 24 Update Bayesian SEM (VII). Badan Penerbit Undip.
Halim, Y. K. E., & Astuti, D. (2015). Financial Stressors, Financial Behavior, Risk Tolerance, Financial Solvency, Financial Knowledge, dan Kepuasan Finansial. Jurnal Finesta, 3(1), 1923. https://doi.org/10.1109/EDOC.2009.26
Hasibuan, B. K., Lubis, Y. M., & HR, W. A. (2018). Financial Literacy and Financial Behavior as a Measure of Financial Satisfaction. Advances in Economics, Business and Management Reearch (AEBMR), 46, 503507. https://doi.org/10.2991/ebic-17.2018.79
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income terhadap Financial Management Behavior. Journal of Theory and Applied Management, 9(3), 226241. https://doi.org/10.20473/jmtt.v9i3.3077
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Kautsar, A., Asandimitra, N. (2019). Financial Knowledge as Youth Preneur Success Factor. Journal of Social and Development Science, Vol. 10, No. 2, 2019, pp. 26-32
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255
Laily, N. (2016). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. Journal of Accounting and Business Education, 1(4). https://doi.org/10.26675/jabe.v1i4.6042
Lianto, R., Elizabeth, S. M. (2017). Analisis Pengaruh Financial Attitude, Financial Knowledge, Income terhadap Financial Behavior di Kalangan Ibu Rumah Tangga Palembang (Studi Kasus Kecamatan Ilir Timur I). STMIK GI MDP & MDP Business School. https://eprints.mdp.ac.id/2365
Listiani, K. (2017). Pengaruh Financial Knowledge, Locus of Control dan Financial Attitude terhadap Financial Management Behavior pada Mahasiswa. STIE Perbanas. Perbanas Institutional Repository. https://eprints.perbanas.ac.id/id/eprint/2917
Malhotra. (2017). Riset Pemasaran Pendekatan Terapan In Pemasaran (4th ed). Jakarta: PT Indeks Mien, N. T. N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Economics, Finance and Social Sciences Journal, 9781. http://digital.lib.ueh.edu.vn/handle/UEH/56557
Pusparani, A., & Krisnawati, A. (2019). Analisis Pengaruh Financial Literacy dan Financial Attitude terhadap Financial Behavior pada Siswa Sekolah Menengah Pertama di Kota Bandung. Jurnal Mitra Manajemen (JMM Online), 72-83.
Rai, K., Dua, S., & Yadav, M. (2019). Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach. FIIB Business Review, 8(1), 5160. https://doi.org/10.1177/2319714519826651
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3), 93107.
Santoso, S. H. (2017). Analisis Faktor-faktor yang Mempengaruhi Financial Satisfaction pada Masyarakat di Kota Makassar.
Sugiyono. (2012). Metode Penelitian Kombinasi (Mixed Methods). In Sugiyono. Bandung: CV Alfabeta.
Sugiyono. (2013). In Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: CV Alfabeta.
Sugiyanto, T., Radianto, W. E., Efrata, T. C., & Dewi, L. (2019). Financial Literacy, Financial Attitude, and Financial Behavior of Young Pioneering Business Entrepreneurs. 2019 International Conference on Organizational Innovation (ICOI 2019), 100(Icoi), 353358. https://doi.org/10.2991/icoi-19.2019.60
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. Bisnis & Birokrasi Journal, 23(3). https://doi.org/10.20476/jbb.v23i3.9175
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2020-07-29
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Mukhafi, C. M. (2020). Faktor-faktor yang Memengaruhi Financial Satisfaction Buruh di Kota Surabaya. Jurnal Ilmu Manajemen, 8(4), 1312–1324. https://doi.org/10.26740/jim.v8n4.p1312-1324
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