Pengaruh Financial Literacy, Financial Attitude dan Locus Of Control Terhadap Financial Management Behaviour ASN  Sektor Pertanian di Kab. Simalungun Provinsi Sumatera Utara

Pandu Agung Prayogi; Umi Widyastuti; Titis Fatarina Mahfirah

Authors

Pandu Agung Prayogi Universitas Negeri Jakarta
Umi Widyastuti Universitas Negeri Jakarta
Titis Fatarina Mahfirah Universitas Negeri Jakarta

Keywords:

Literasi Keuangan, Sikap Keuangan, Locus of Control, Perilaku Pengelolaan Keuangan

Abstract

Penelitian ini bertujuan “menganalisis pengaruh financial literacy dan financial attitude terhadap financial management behaviour dengan locus of control sebagai variabel mediasi pada Aparatur Sipil Negara (ASN) sektor pertanian di Kabupaten Simalungun. Penelitian menggunakan pendekatan kuantitatif melalui metode survei. Unit analisis adalah ASN yang bekerja di sektor pertanian, dengan jumlah sampel 217 responden yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS). Hasil penelitian menunjukkan bahwa financial literacy dan financial attitude berpengaruh positif dan signifikan terhadap financial management behaviour. Kedua variabel tersebut juga terbukti berpengaruh positif dan signifikan terhadap locus of control. Selanjutnya, locus of control berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan. Pengujian mediasi menunjukkan bahwa locus of control mampu memediasi pengaruh financial literacy dan financial attitude terhadap financial management behaviour. Temuan ini menegaskan pentingnya peningkatan literasi keuangan, sikap keuangan yang bertanggung jawab, serta pengendalian diri dalam mendukung perilaku pengelolaan keuangan ASN yang lebih baik

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