Pengaruh Pengetahuan Keuangan dan Kontrol Diri terhadap Perilaku Pengelolaan Keuangan dengan Financial Self-Efficacy sebagai Variabel Mediasi

This research aims to determine the influence of financial knowledge and self-control on financial management behavior with financial self-efficacy as a mediating variable. The methods used in this research are descriptive assessment, path coefficient analysis, and indirect effects analysis with data processing using Smart PLS Version 4. The object of this research is MSMEs in Mataram City. The research results show that self-control has a positive and significant effect on financial self-efficacy and financial management behavior; financial knowledge has a positive effect on financial self-efficacy; financial self-efficacy has a positive and significant influence on financial management behavior; However, on the other hand, financial knowledge has a negative and significant influence on financial management behavior. Judging from the mediating factors, it can be concluded that financial self-efficacy successfully mediates the relationship between self-control and financial management behavior; This is different from financial self-efficacy which does not succeed in mediating the relationship between self-control and personality in financial management.