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Abstrak :
Penelitian ini bertujuan untuk mengungkapkan pengaruh kesejahteraan finansial terhadap kebahagiaan, dan pengaruh kebahagiaan terhadap pengambilan keputusan finansial pada masyarakat Indonesia. Sumber kesejahteraan finansial, provinsi, dan gender dimasukkan sebagai variabel moderasi untuk hubungan antara kesejahteraan finansial dan kebahagiaan. Penelitian ini mengkaji data primer dari sampel 152 responden di seluruh negeri dengan menggunakan PLS-SEM dan data sekunder dari World Happiness Report, PDB/kapita, jumlah tabungan di bank umum dan tabungan pensiun untuk Indonesia menggunakan regresi. Berdasarkan analisis terhadap data primer dan sekunder, ditemukan bahwa kesejahteraan finansial memiliki korelasi positif dengan kebahagiaan, dan kebahagiaan memiliki korelasi positif dengan keputusan keuangan. Selain itu, berdasarkan analisis dari data primer, tidak ditemukan pengaruh dari semua variabel moderasi yaitu sumber kesejahteraan keuangan, provinsi, dan gender. ......This research aims to reveal the effect of financial well-being on happiness, and the effect of happiness on financial decision-making among Indonesians. Source of financial well-being, province, and gender are included as moderating variables to the relationship between financial well-being and happiness. The analysis examined primary data from a sample of 152 respondents across the country with PLS-SEM and secondary data from World Happiness Report, GDP/capita, amount of saving in general bank and retirement saving for Indonesia with regression. Based on analysis on the primary and secondary data, it is found that financial well-being has positive correlation with happiness, and happiness has positive correlation with financial decisions. In addition, based on analysis from the primary data, there is no effect from all moderating variables, namely source of financial well-being, province, and gender.

Abstrak :
Penelitian ini bertujuan untuk menganalisis perbedaan financial literacydan financial distress/financial well-beingpada karyawan yang berkerja di bidang keuangan dan bidang non keuangan di DKI Jakarta.Sampel terdiri dari 290 responden yang terdiri dari 145 karyawan yang bekerja di bidang keuangan dan 145 karyawan yang bekerja di bidang non-keuangan di DKI Jakarta. Penelitian ini menggunakan pendekatan kuantitatif dan survei kuisioner secara onlinedengan data primer yang dianalisis menggunakan statistik deskriptif dan uji beda. Hasil penelitian ini menunjukkan bahwa terdapat perbedaan pada variabel financial literacyantara karyawan yang bekerja di bidang keuangan dengan karyawan yang bekerja di bidang non keuangan. Namun, pada variabel financial distress/financial well-beingtidak terdapat perbedaan antara karyawan yang bekerja di bidang keuangan dengan karyawan yang bekerja di bidang non keuangan. Selain itu, tidak ada faktor sosialekonomi dan demografi yang berpengaruh terhadap financial literacy, sedangkan faktor pendapatan adalah faktor sosialekonomi dan demografi yang berpengaruh terhadap financial distress/financial well-being. ......This study aims at analysing the difference in financial literacy level and financial distress/well-being level between employees who are working in financial and non-financial sector. The sample amounts to 290 employees, which then grouped  into equally balanced number representing the financial and non-financial sector. This study uses quantitative approach with online survey and  analyzed using descriptive statistics, different test (independent sample t-test), and Kolmogorov-Smirnov Test. The result shows that there is a difference between the two groups in financial literacy level with Employees Working in the Financial Sector group shows superior level compares to the Employees Working in the non Financial Sector  group. In terms of financial distress/well-being variabel, is the result shows no difference between the two grups. Another result is there are no socioeconomic and demographic factors that affect financial literacy, while income factors are socioeconomic and demographic factors that affect financial distress /financial well-being.

Abstrak :
Penelitian ini bertujuan untuk mengetahui pengaruh mindfulness pada penggunaan fitur Buy Now, Pay Later (BNPL) terhadap financial well-being dengan faktor perilaku seperti pembelian impulsif dan financial self-control, serta faktor emosi sebagai mediasi. Penelitian ini juga menyertakan faktor materialisme untuk melihat pengaruh moderasi dari hubungan penggunaan BNPL terhadap financial well-being. Penelitian ini menggunakan metode PLS-SEM untuk menguji hipotesis. Sampel dalam penelitian ini berjumlah 304 individu baik pengguna aktif BNPL maupun yang tidak pernah menggunakan fitur tersebut. Hasil penelitian menunjukkan bahwa mindfulness berpengaruh terhadap penggunaan BNPL baik secara langsung maupun dimediasi melalui pembelian impulsif dan financial self-control, sementara emosi tidak signifikan dalam memediasi hubungan mindfulness terhadap penggunaan BNPL. Oleh karena itu, mindfulness diasosiasikan dengan menurunnya perilaku pembelian impulsif dan meningkatkan financial self-control. Selanjutnya, hasil penelitian menunjukkan bahwa hubungan penggunaan BNPL berpengaruh terhadap financial well-being baik secara langsung maupun dimediasi oleh variabel current money management stress dan expected future financial security. Hal ini menunjukkan bahwa penggunaan BNPL dikaitkan dengan financial well-being yang lebih rendah dengan meningkatnya current money management stress serta menurunkan expected future financial security. Sementara materialisme tidak terbukti signifikan dalam memoderasi hubungan penggunaan BNPL terhadap financial well-being. ......This study aims to investigate the influence of mindfulness on the usage of Buy Now, Pay Later (BNPL) feature on financial well-being, considering behavioral factors such as impulsive buying and financial self-control, as well as emotional factors as mediators. The study also includes materialism as a moderating factor to examine its influence on the relationship between BNPL usage and financial well-being. The research adopts the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method to test the hypotheses. The sample consists of 304 individuals, including both active BNPL users and non-users. The findings of the study indicate that mindfulness has a direct and mediated impact on BNPL usage through impulsive buying and financial self-control, while emotions do not significantly mediate the relationship between mindfulness and BNPL usage. Therefore, mindfulness is associated with reduced impulsive buying behavior and increased financial self-control. Furthermore, the results demonstrate that BNPL usage has a direct and mediated impact on financial well-being through current money management stress and expected future financial security. This suggests that the use of BNPL is associated with lower financial well-being, characterized by increased current money management stress and decreased expected future financial security. On the other hand, materialism is not found to significantly moderate the relationship between BNPL usage and financial well-being.

Abstrak :
Penelitian ini secara garis besar bertujuan untuk mengetahui pengaruh Covid-19 anxiety dan job insecurity terhadap burnout pada pekerja sektor pariwisata di Indonesia dengan peranan financial well-being sebagai variabel moderasi. Penelitian ini merupakan penelitian kuantitatif yang menggunakan cross-sectional design dan metode purposive sampling dalam proses pengumpulan data primer. Hasil temuan diperoleh dari data yang terkumpul sebanyak 171 responden yang merupakan pekerja sektor pariwisata. Data tersebut kemudian diolah dengan menggunakan pendekatan structural equation modelling (SEM). Temuan dalam penelitian ini menunjukkan bahwa Covid-19 anxiety dan job insecurity berpengaruh secara signifikan terhadap tingkat burnout pada pekerja sektor pariwisata di Indonesia. Sementara itu, financial well-being tidak memiliki peran moderasi terhadap hubungan antara Covid-19 anxiety dan job insecurity terhadap burnout. Penelitian ini dilakukan pada saat pandemi Covid-19, oleh karena itu penyebaran kuisioner dilaksanakan dengan self-report measures melalui media LinkedIn, Telegram, dan Instagram. ......This study broadly aims to determine the effect of Covid-19 anxiety and job insecurity on burnout in tourism sector workers in Indonesia with the role of financial well-being as a moderating variable. This study is a quantitative study that uses a cross-sectional design and purposive sampling method in the primary data collection process. The findings are generated from data collected from 171 respondents in the tourism sector using a structural equation modeling (SEM) approach. The findings in this study indicate that Covid-19 anxiety and job insecurity have a significant effect on burnout levels in tourism sector workers in Indonesia. Meanwhile, financial well-being does not have a moderating role in the relationship between Covid-19 anxiety and job insecurity on burnout. This research was conducted during the Covid-19 pandemic, therefore the distribution of the questionnaire was using self-report measures through LinkedIn, Telegram, and Instagram platform.

Abstrak :
Paylater merupakan layanan kredit cicilan dan termasuk ke dalam fintech sektor pembayaran. Saat ini PayLater telah menjadi sebuah tren dikarenakan memungkinkan konsumen melakukan pembelian dengan cara mengangsur dan membayarnya di masa mendatang serta mudah untuk diakses oleh siapapun. Namun pada kenyataanya kemudahan akses serta kepercayaan pada produk fintech tidak hanya memberi manfaat namun juga membawa kecenderungan masyarakat untuk berutang. Oleh karena itu tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi seseorang untuk menggunakan Paylater dan bagaimana dampaknya terhadap financial well-being dari pengguna fitur tersebut. Penelitian ini bersifat kuantitatif dimana data yang digunakan dalam penelitian ini adalah data primer yang mencakup 355 responden. Pengolahan data dilakukan dengan model Structural Equation Modeling (SEM) untuk mengestimasi hubungan antar variabel. Hasil penelitian menunjukan bahwa Performance Expectancy, Facilitating Conditions dan Financial Literacy berpangaruh positif secara signifikan terhadap Adoption of Paylater. Selain itu dapat diketahui bahwa Adoption of Paylater dapat memediasi pengaruh Performance Expectancy, Social Influence, Facilitating Conditions secara negatif dan signifikan terhadap Financial Well-being sedangkan Financial Literacydapat memberikan pengaruh positif dan signifikan terhadap Financial Well-being. Namun tidak ditemukan pengaruh yang signifikan dari Social Influence dah Habit terhadap Adoption of Paylater serta Habit terhadap Financial Well-being. ......Paylater is an instalment credit service and is a part of the fintech payment sector. Currently Paylater has become a trend because it allows consumers to make purchases by instalments and pay for them in the future. This feature has been known for its ease of use and can be easily accessed by anyone. However, in reality the ease of access and trust in fintech products do not only provide benefits but also bring people's tendency to go into debt. Therefore, the purpose of this study is to determine the factors that influence a person to use Paylater and how it impacts the financial well-being of its users. This is a quantitative research where the data used is primary data which includes 355 respondents. Data processing was carried out using the Structural Equation Modeling (SEM) model to estimate the relationship between variables. The results of the study show that Performance Expectancy, Facilitating Conditions and Financial Literacy have a significant positive effect on Paylater Adoption. In addition, it can be seen that Paylater Adoption can mediate the effect of Performance Expectancy, Social Influence, Facilitating Conditions negatively and significantly on Financial Well-being, while Financial Literacy can have a positive and significant impact on Financial Well-being. However, no significant effect was found from Social Influence and Habits on Paylater Adoption and Habits on Financial Well-being.

Abstrak :
Penelitian ini bertujuan untuk mengetahui pengaruh dari keyakinan psikologis (subjective financial knowledge, financial attitude, dan locus of control) terhadap kesejahteraan finansial (financial well-being) dengan perilaku keuangan sebagai variabel mediasi. Sampel dari penelitian ini adalah angkatan kerja di wilayah DKI Jakarta. Jumlah responden yang berhasil dikumpulkan sebanyak 200. Data yang diperoleh kemudian diolah menggunakan metode Partial Least Square - Structural Equation Modeling (PLS-SEM) dengan software SmartPLS. Hasil penelitian menunjukkan bahwa subjective financial knowledge, financial attitude, dan locus of control berhubungan positif  terhadap financial behavior secara signifikan.Financial behavior memiliki hubungan positif  terhadap financial well-being. Financial behavior memediasi hubungan positif  antara subjective financial knowledge dan financial attitude dengan financial well-being. Namun, Financial behavior tidak memediasi hubungan positif antara financial attitudes dengan financial well-being. ......This study aims to determine the effect of psychological beliefs (subjective financial knowledge, financial attitude, and locus of control) on financial well-being with financial behavior as a mediating variable. The sample of this study is the labor force in the DKI Jakarta area. The number of respondents collected was 200. The data obtained was then processed using the Partial Least Square - Structural Equation Modeling (PLS-SEM) method with SmartPLS software. The results showed that subjective financial knowledge, financial attitude, and locus of control are significantly positively related to financial behavior. Financial behavior has a positive relationship with financial well-being. Financial behavior mediates the positive relationship between subjective financial knowledge and financial attitude with financial well-being. However, financial behavior does not mediate the positive relationship between financial attitudes and financial well-being. 

Abstrak :
Perkembangan industri ekonomi syariah cenderung meningkat secara nominal, namun tak mampu mengungguli produk keuangan di konvensional. market share keuangan syariah masih berada di bawah belasan persen(10,16%). Dengan melihat rendahnya market share produk keuangan islam dapat dimungkinkan akibat kesejahteraan finansial yang rendah maupun belum merata. Kesejahteraan Indonesia tahun 2021 mengalami penurunan yang cukup anjlok. Hal ini sejalan dengan penduduk miskin pada tahun 2021 yang mengalami kenaikan sebesar 1,12 juta jiwa. Kesejahteraan secara finansial dapat tercermin melalui pertumbuhan ekonomi dan pemberian upah minimum. Tercatat pertumbuhan ekonomi Indonesia mengalami penurunan signifikan pada pertengahan 2021, begitupun dengan upah minimum yang tidak mengalami kenaikan seperti tahun- tahun sebelumnya. Oleh karena itu, Penelitian ini bertujuan untuk menganalisis Determinan financial well-being berupa subjective financial knowledge, financial attitude, locus of control, dan islamic gratitude dan juga mengetahui pengaruh financial well-being terhadap intensi memakai produk keuangan islam di perbankan dan pasar modal syariah. Pengumpulan data dilakukan dengan metode online survei dan memperoleh 662 responden dimana unit analisis yang dijadikan sampel pada penelitian ini merupakan seorang muslim dewasa di Indonesia yang sudah memiliki pekerjaan. Data diolah dengan memakai metode Partial Least Square Structural Equation Modelling (PLS-SEM). Hasil penelitian menunjukkan subjective financial knowledge, locus of control dan islamic gratitude memiliki pengaruh positif yang signifikan terhadap financial well-being, sedangkan financial attitude justru memiliki pengaruh yang negatif signifikan, namun financial attitude dapat mempengaruhi positif signifikan terhadap financial well-being jika dimediasi oleh financial behavior. Kemudian, penelitian ini juga menunjukkan bahwa terdapat pengaruh secara positif signifikan oleh financial well-being terhadap intensi memakai produk keuangan islam dalam menabung di perbankan maupun berinvestasi di pasar modal syariah. Hasil ini mengindikasikan bahwa pentingnya edukasi terkait financial knowledge, financial attitude, dan penyuluhan terkait rasa syukur terhadap pekerja muslim di Indonesia yang diharapkan dapat meningkatkan financial well-being dan pada akhirnya bermuara pada naiknya intensi dalam memakai produk keuangan Islam. ......The development of the Islamic economic industry tends to increase nominally, but is unable to outperform conventional financial products. Islamic finance market share is still below a dozen percent (10.16%). By looking at the low market share of Islamic financial products, it can be possible due to low or uneven financial welfare. Indonesia's welfare in 2021 will experience a significant decline. This is in line with the poor population in 2021 which will increase by 1.12 million people. Financial prosperity can be reflected through economic growth and the provision of minimum wages. It was noted that Indonesia's economic growth experienced a significant decline in mid-2021, as well as the minimum wage which did not increase as in previous years. Therefore, this study aims to analyze the determinants of financial well-being in the form of subjective financial knowledge, financial attitude, locus of control, and Islamic gratitude and also to determine the effect of financial well-being on the intention to use Islamic financial products in Islamic banking and capital markets. Data collection was carried out using an online survey method and obtained 662 respondents where the unit of analysis used as a sample in this study was an adult Muslim in Indonesia who already had a job. The data was processed using the Partial Least Square Structural Equation Modeling (PLS-SEM) method. The results show that subjective financial knowledge, locus of control and Islamic gratitude have a significant positive effect on financial well-being, while financial attitude actually has a significant negative effect, but financial attitude can have a significant positive effect on financial well-being if mediated by financial behavior. Then, this study also shows that there is a significant positive effect of financial well-being on the intention to use Islamic financial products in saving in banking and investing in the Islamic capital market. These results indicate that the importance of education related to financial knowledge, financial attitude, and counseling related to gratitude for Muslim workers in Indonesia is expected to increase financial well-being and ultimately lead to increased intention to use Islamic financial products.

Abstrak :
Penelitian ini bertujuan untuk mengetahui pengaruh dari Financial Socialization dan Financial Literacy terhadap Financial Well-Being dengan peran Financial Behavior sebagai yang mediasi. Penelitian menggunakan sampel karyawan swasta tingkat staf dan staf senior berdomisili di Jakarta, Bogor, Depok, Tangerang, dan Bekasi (Jabodetabek) berusia 21-35 tahun. Jumlah responden terkumpul pada penelitian ini sebanyak 251 responden. Penelitian diolah menggunakan metode Structural Equation Modeling dan software PLS-SEM. Hasil penelitian menunjukkan bahwa Financial Skills, Financial Self-Efficacy, dan Financial Behavior memiliki pengaruh positif terhadap Financial Well-Being. Financial Socialization, Financial Knowledge, Financial Skills memiliki pengaruh tidak langsung secara positif terhadap Financial Well-Being melalui Financial Behavior sebagai mediasi. Saran dan implikasi manajerial akan dijelaskan selanjutnya. ......This study aims to determine the effect of Financial Socialization and Financial Literacy on Financial Well-Being with the role of Financial Behavior as a mediation. The study used a sample of staff-level private employees and senior staff living in Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek) aged 21-35 years. The number of respondents collected in this study were 251 respondents. The research was processed using the Structural Equation Modeling method and PLS-SEM software. The results of the study show that Financial Skills, Financial Self-Efficacy, and Financial Behavior have a positive impact on Financial Well-Being. Financial Socialization, Financial Knowledge, Financial Skills have a positive indirect impact on Financial Well-Being through Financial Behavior as mediator. Managerial suggestions and implications will be explained next.

Abstrak :
Penelitian ini berfokus pada faktor-faktor yang memengaruhi keputusan investor individu dalam kepemilikan instrumen keuangan pasar modal. Peneliti menggunakan Theory of Planned Behaviour (TPB) dalam pengembangan hipotesis, hal ini dikarenakan keputusan investor individu kerap dipengaruhi oleh perbedaan karakteristik setiap individu. Metode Partial Least Square - Structural Equation Model (PLS-SEM) digunakan untuk menganalisis model dan hubungan antara variabel dengan software SmartPLS 3.0. Sampel terdiri dari 385 investor individu yang berusia diatas 18 tahun, berinvestasi pada instrumen keuangan dalam Pasar Modal Indonesia, dan berdomisili di Pulau Jawa. Hasil penelitian ini menunjukkan bahwa financial wellbeing, objective dan subjective financial literacy, perceived investment of significant others, dan attitude to investment behaviour memiliki pengaruh yang signifikan terhadap investment intention. Sedangkan investment intention, financial well-being, objective dan subjective financial literacy secara positif signifikan memengaruhi capital market investment. Studi ini membuktikan bahwa perilaku investor individu untuk berinvestasi dalam pasar modal dapat dijelaskan dengan variabel-variabel yang ada dalam penelitian. ...... This study focuses on factors that influence individual investors’ investment decision on their ownership of capital market instruments. Theory of Planned Behaviour (TPB) is used in this study to develop hypothesis due to the fact that individual investors’ investment decisions are influence by their behaviour. The proposed model uses Partial Least Square – Structural Equation Model (PLS-SEM) to examine relationship between dependent and independent variables with the help of SmartPLS 3.0 software. The results suggest that financial well-being, objective dan subjective financial literacy, perceived investment of significant others, and attitude to investment have a significant impact on individual investor’s investment intention. While, investment intention, financial well-being, objective and subjective financial literacy have a positive significant impact on capital market investment. This study proves that the behaviour of individual investors to invest in capital market can be explained by the variables in this study.