Analisis Faktor-Faktor yang Mempengaruhi Financial Well-Being melalui Financial Behavior pada Pegawai Direktorat Jenderal Perbendaharaan Kementerian Keuangan

Abstract

Financial well-being is an important part of an individual to increase his life quality and performance in the organization/work unit for which financial well-being can increase positive brand image and create trust while in the macro level financial well-being is very important for sustainable development. However, in order to achieve it the government and organizational/work unit management has to strive hard The objective of the research was to analyze some factors affecting financial well-being through financial behavior in the employees of the Directorate General of Treasury, the Minister of Finance. The samples were 240 employees, taken by using proportionate stratified random sampling technique and tested by using PLS SEM statistic analysis. The research used the significance level of 95%, a=5%. The result of the research shows that the factors of financial literacy and attitude toward money have positive and significant influence on financial well-being while internal locus of control has positive and insignificant influence on financial well-being and financial socialization has negative and insignificant influence on financial behavior. Meanwhile, attitude toward money has positive but insignificant influence on financial behavior. Financial behavior succeeds in mediate the influence of financial literacy, internal locus of control, and financial socialization on financial well-being. However, financial behavior fails to mediate the influence of attitude toward money on financial well-being.