Model Financial Satisfaction Berbasis Financial Literacy dan Self-Control Melalui Financial Well-Being pada Karyawan Perempuan Bank BUMN di Kota Jambi

Dea Rusita, Besse Wediawati, Andang Fazri, RTS Ratnawati

Sari


Financial satisfaction is an important indicator of individual financial well-being, especially for female employees who often face the dual burden of managing work and household finances. This study aims to analyze the influence of financial literacy and self-control on financial satisfaction through financial well-being as a mediating variable among female employees of state-owned banks in Jambi City. This quantitative research uses a survey method with 100 respondents selected through purposive sampling. Data analysis uses Structural Equation Modeling-Partial Least Square (SEM-PLS) with SmartPLS 3.0 software. The results show that: financial literacy has a positive and significant effect on financial satisfaction; self-control has no direct effect on financial satisfaction; both financial literacy and self-control have a positive and significant effect on financial well-being; financial well-being has a strong positive effect on financial satisfaction; and financial well-being significantly mediates the relationship between financial literacy and self-control on financial satisfaction. This study provides important implications for financial education programs and employee welfare policies in the banking sector.


Kata Kunci


female bank employees, financial literacy, financial satisfaction, financial well-being, self-control

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Referensi


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DOI: http://dx.doi.org/10.56589/keizai.v6i2.526

Keizai

Gedung Fakultas Bisnis, Universitas Darwan Ali, JL. Batu Berlian, No. 10, Sampit, Kabupaten Kotawaringin Timur, Provinsi Kalimantan Tengah, 74325

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