Faktor yang Mempengaruhi Stabilitas Keuangan Keluarga yang Dimoderasi Pasangannya (Istri)
DOI:
https://doi.org/10.55606/jupiman.v5i2.6896Keywords:
Family Expenditure, Family Financial Stability, Family Income, Financial Literacy, Wife's RoleAbstract
This study is motivated by the importance of family financial stability in maintaining household well-being. Family financial stability is influenced by family income, family expenditure, financial literacy, and social contribution costs, with the wife's role serving as a moderating variable. This study aims to analyze the effects of these factors on family financial stability among households with a marriage duration of more than five years.
This study employed a quantitative approach with a causal associative research design. Data were collected through questionnaires distributed to 136 married women who had been married for more than five years in the Greater Jakarta (Jabodetabek) area. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4.The results indicate that family income and social contribution costs have a positive and significant effect on family financial stability, whereas family expenditure and financial literacy do not have a significant effect. The wife's role only moderates the relationship between financial literacy and family financial stability, while its moderating effects on the other variables are not significant. Simultaneously, all research variables, with the wife's role as the moderating variable, have a significant effect on family financial stability.
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