PENGARUH FINANCIAL KNOWLEDGE DAN INCOME TERHADAP FINANCIAL MANAGEMENT BEHAVIOR DENGAN FINANCIAL CONFIDENCE SEBAGAI VARIABEL MEDIASI DALAM PERSPEKTIF KONSUMTIF ISLAM (Studi Pada Karyawan Generation Z di Bandar Lampung)

Aldo, Faturizki (2026) PENGARUH FINANCIAL KNOWLEDGE DAN INCOME TERHADAP FINANCIAL MANAGEMENT BEHAVIOR DENGAN FINANCIAL CONFIDENCE SEBAGAI VARIABEL MEDIASI DALAM PERSPEKTIF KONSUMTIF ISLAM (Studi Pada Karyawan Generation Z di Bandar Lampung). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan kuangan (Financial Knowledge) dan pendapatan (Income) terhadap perilaku pengelolaan keuangan (Financial Management Behavior) dengan kepercayaan kuangan (Financial Confidence) sebagai variabel mediasi dalam prsepektif konsumtif islam pada Karyawan Generation Z di Bandar Lampung. Menggunakan pendekatan kuantitatif, data dikumpulkan dari 79 responden melalui kuesioner dan dianalisis menggunakan Smart PLS4. Hasil penelitian menunjukkan bahwa Financial Knowledge berpengaruh positif dan signifikan terhadap Financial Management Behavior, serta terhadap Income. Selain itu, Financial Confidence juga berpengaruh signifikan terhadap Financial Management Behavior, dan memediasi secara parsial hubungan antara Financial Knowledge dan Income terhadap Financial Management Behavio. Penelitian ini memberikan implikasi penting bagi Konsumtif Islam. Kata kunci: Financial Knowledge, Income, Financial Management Behavior, Financial Confidence, Konsumtif Islam, Karyawan Generation Z di Bandar Lampung. Abstract: This research examines the impact of financial knowledge and income on financial management behavior, incorporating financial confidence as a mediating construct within the context of Islamic consumption perspectives among Generation Z employees in Bandar Lampung. A quantitative methodology was adopted, involving the collection of data from 79 respondents through a questionnaire survey. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with Smart PLS 4. The empirical results indicate that financial knowledge and income positively and significantly influence financial management behavior. Moreover, financial confidence demonstrates a significant positive effect on financial management behavior and partially mediates the effects of financial knowledge and income on such behavior. The study contributes to the growing body of literature on personal financial management and provides practical implications for enhancing financial decision-making in line with Islamic consumption principles. Keywords: Financial Knowledge; Income; Financial Management Behavior; Financial Confidence; Islamic Consumption Perspective; Generation Z Employees.

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