ANALISIS SIKAP INDIVIDU, FAKTOR EKONOMI DAN LINGKUNGAN, LITERASI KEUANGAN TERHADAP KEBEBASAN FINANSIAL MELLUI PASAR MODAL (STUDI KASUS MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NUSANTARA PGRI KEDIRI ANGKATAN 2022)
DOI:
https://doi.org/10.29407/jae.v11i1.28227Keywords:
sikap individu, ekonomi dan lingkungan, literasi keuangan, kebebasan finansial, pasar modalAbstract
Penelitian ini dilatarbelakangi oleh rendahnya kemampuan finansial mahasiswa yang mencerminkan perlunya penguatan perilaku dan pemahaman mengenai pengelolaan keuangan. Penelitian ini bertujuan menganalisis pengaruh sikap individu, lingkungan ekonomi, dan literasi keuangan terhadap kebebasan finansial dengan pasar modal sebagai variabel mediasi. Pendekatan kuantitatif digunakan dengan data primer yang diperoleh melalui kuesioner kepada 237 mahasiswa Fakultas Ekonomi dan Bisnis Universitas Nusantara PGRI Kediri. Analisis dilakukan menggunakan Structural Equation Modeling (SEM) berbasis Partial Least Square melalui SmartPLS. Hasil penelitian menunjukkan bahwa sikap individu, lingkungan ekonomi, dan literasi keuangan berpengaruh positif dan signifikan terhadap kebebasan finansial. Selain itu, pasar modal berperan sebagai mediator parsial yang memperkuat hubungan antara variabel independen ketiga dengan kebebasan finansial. Temuan ini menekankan pentingnya penguatan literasi keuangan dan pengalaman investasi bagi mahasiswa untuk membangun kemandirian finansial. Diharapkan hasil penelitian ini menjadi landasan konseptual bagi institusi pendidikan dalam mengembangkan strategi pembelajaran yang dapat mendorong terbentuknya perilaku keuangan dan investasi yang rasional.
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