Pengaruh Motivasi, Literasi Keuangan, Dan Demografi Terhadap Perencanaan Keuangan Untuk Mencapai Kebebasan Keuangan

Magda Endrica Raharjo; Bambang Hadi Santoso; Budhi Satrio

doi:10.33050/tmj.v8i2.2095

Penulis

Magda Endrica Raharjo , Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA)
Bambang Hadi Santoso , Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA)
Budhi Satrio , Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA)

DOI:

https://doi.org/10.33050/tmj.v8i2.2095

Abstrak

Perencanaan keuangan merupakan langkah awal untuk mencapai kebebasan keuangan guna mencakup tujuan keuangan yang perlu dicapai. Skor indeks kesehatan keuangan pada masyarakat Indonesia masih relatif rendah, hanya sebesar 37,72 dari skor maksimal 100, hal ini semakin menegaskan bahwa literasi keuangan sangat penting bagi masyarakat yang ingin mencapai kebebasan keuangan. Tujuan penelitian ini untuk mengetahui pengaruh motivasi, literasi keuangan, dan demografi terhadap perencanaan keuangan keluarga dan kebebasaan keuangan. Populasi penelitian ini adalah investor PT. XYZ Sekuritas Surabaya. Penentuan sampel menggunakan metode non probability sampling dengan jumlah sampel sebanyak 180. Teknik analisis menggunakan partial least square. Hasil penelitiaan ini memperlihatkan motivasi, literasi keuangan, dan demografi berpengaruh signifikan terhadap perencanaan keuangan dengan p value 0,000. Motivasi,dan literasi keuangan, berpengaruh signifikan terhadap kebebasan keuangan melalui mediasi perencanaan keuangan dengan p value 0,000 dan 0,046. Saran penelitian selanjutnya dapat menambahkan variabel lain yang diduga dapat mengidentifikasi Self Control, serta faktor dari demografi seperti pendapatan dan juga jumlah anggota keluarga.

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