PERAN LITERASI KEUANGAN DALAM MEMODERASI EFEK INTERNAL LOCUS OF CONTROL TERHADAP KEPUTUSAN KEUANGAN PRIBADI
DOI:
https://doi.org/10.46229/bee.v6i2.964Abstrak
Penelitian ini menganalisis pengaruh faktor internal locus of control terhadap keputusan keuangan pribadi di Kalimantan Barat, dengan literasi keuangan sebagai variabel moderasi. Berdasarkan survei kuantitatif terhadap 295 responden, hasil penelitian menunjukkan bahwa internal locus of control berpengaruh positif dan signifikan terhadap keputusan keuangan pribadi. Literasi keuangan memiliki pengaruh signifikan secara langsung terhadap keputusan keuangan pribadi, sehingga ditemukan moderasi prediktor, namun tidak memoderasi pengaruh internal locus of control terhadap keputusan keuangan pribadi. Temuan ini memberikan kontribusi penting bagi pengembangan program edukasi literasi keuangan yang dapat membantu masyarakat mengambil keputusan keuangan lebih bijak dan meningkatkan kesejahteraan mereka.
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