The Influence of Financial Literacy and Financial Behavior on Financial Well-being Moderated by Family Economic Education

Aliffansyah, Dhani; Sudarno; Sabandi, Muhammad

doi:10.15294/dykkaa86

Journal

The Influence of Financial Literacy and Financial Behavior on Financial Well-being Moderated by Family Economic Education

Economic Education Analysis Journal · Vol. 13 No. 3 (2024) · pp. 253–261

DOI: 10.15294/dykkaa86
ISSN: 2502-356X, 2252-6544
Published: 2024-10-24
Publisher: Universitas Negeri Semarang
Language: eng

Abstract

This study aims to (1) the effect of financial literacy on financial well-being of UNS students; (2) the effect of financial behavior on financial well-being of UNS students; (3) the effect of family economics education in strengthening financial literacy and financial behavior on financial well-being of UNS students. This research was quantitative research with a population of UNS students. This study used 269 samples by using probably sampling technique. The data collection technique was used a Likert scale of 1-5 points and a dummy variable which was distributed directly via the Google form. Test the validity of the instrument using Confirmatory Factor Analysis (CFA) and test the reliability using Cronbach Alpha. The research hypothesis was tested using Moderated Regression Analysis (MRA) after descriptive statistical tests and analysis prerequisite tests were carried out and processed with SPSS 24 software. This study gave the results that (1) there was a positive and significant effect of financial literacy on the financial well-being of UNS students; (2) there was a positive and significant influence of financial behavior on financial well-being of UNS students; (3) family economic education moderates the relationship between financial literacy and financial behavior on the financial well-being of UNS students.

Keywords

Collaboration network of the authors

15 authors · 22 co-authorship links

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Institut Teknologi Sepuluh Nopember
Affiliation unknown

Different organisations
Same organisation
Affiliation unknown
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Show as table

Co-author	Organisation	Joint articles
Dini Octoria	Affiliation unknown	2
Titis Rena Siwi Pambudi	Affiliation unknown	2
Muhammad Said Karim	Affiliation unknown	1
Fadilah Mutia Latifah	Affiliation unknown	1
Indah Warih Yanti	Affiliation unknown	1
Nugraheni Ramadhona	Affiliation unknown	1
Sudarno Sudarno	Affiliation unknown	1
Hasna Nur Faramida	Affiliation unknown	1
Lukman Hakim	Institut Teknologi Sepuluh Nopember	1
Saringatun Mudrikah	Affiliation unknown	1
Mintasih Indriayu	Affiliation unknown	1
Andika Yudha Tiyasa	Affiliation unknown	1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/eeaj/oai, first harvested 5 Nov 2026, last seen 8 Nov 2026.

Original metadata (oai_dc)

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	<dc:title xml:lang="en">The Influence of Financial Literacy and Financial Behavior on Financial Well-being Moderated by Family Economic Education</dc:title>
	<dc:creator xml:lang="en">Aliffansyah, Dhani </dc:creator>
	<dc:creator xml:lang="en">Sudarno</dc:creator>
	<dc:creator xml:lang="en">Sabandi, Muhammad </dc:creator>
	<dc:subject xml:lang="en">Family Economics Education</dc:subject>
	<dc:subject xml:lang="en">Financial Behavior</dc:subject>
	<dc:subject xml:lang="en">Financial Literacy</dc:subject>
	<dc:subject xml:lang="en">Financial Well-being</dc:subject>
	<dc:description xml:lang="en">This study aims to (1) the effect of financial literacy on financial well-being of UNS students; (2) the effect of financial behavior on financial well-being of UNS students; (3) the effect of family economics education in strengthening financial literacy and financial behavior on financial well-being of UNS students. This research was quantitative research with a population of UNS students. This study used 269 samples by using probably sampling technique. The data collection technique was used a Likert scale of 1-5 points and a dummy variable which was distributed directly via the Google form. Test the validity of the instrument using Confirmatory Factor Analysis (CFA) and test the reliability using Cronbach Alpha. The research hypothesis was tested using Moderated Regression Analysis (MRA) after descriptive statistical tests and analysis prerequisite tests were carried out and processed with SPSS 24 software. This study gave the results that (1) there was a positive and significant effect of financial literacy on the financial well-being of UNS students; (2) there was a positive and significant influence of financial behavior on financial well-being of UNS students; (3) family economic education moderates the relationship between financial literacy and financial behavior on the financial well-being of UNS students.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2024-10-24</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
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	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
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	<dc:identifier>https://journal.unnes.ac.id/journals/eeaj/article/view/13942</dc:identifier>
	<dc:identifier>10.15294/dykkaa86</dc:identifier>
	<dc:source xml:lang="en">Economic Education Analysis Journal; Vol. 13 No. 3 (2024): Economic Education Analysis Journal; 253-261</dc:source>
	<dc:source>2502-356X</dc:source>
	<dc:source>2252-6544</dc:source>
	<dc:source>10.15294/t03tdx10</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/eeaj/article/view/13942/1766</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2024 Economic Education Analysis Journal</dc:rights>
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