The INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE ON FINANCIAL WELL-BEING WITH FINANCIAL BEHAVIOR AS A MEDIATING VARIABLE: A STUDY OF CIVIL SERVANTS IN JAMBI PROVINCE

Authors

  • Ario Gusmansyah Universitas Jambi
  • Tona Aurora Lubis Universitas Jambi
  • Agus Solikhin Universitas Jambi

DOI:

https://doi.org/10.22437/jbsmr.v9i1.53520

Keywords:

: Financial Literacy, Financial Attitude, Financial Behavior, Financial Well-Being, Civil Servants

Abstract

This study aims to analyze the influence of financial literacy and financial attitude on financial well-being, with financial behavior as a mediating variable among civil servants at the Regional Financial and Revenue Management Agency (BPKPD) of Jambi Province. Using a quantitative approach with Structural Equation Modeling (SEM-PLS), data were collected from 175 respondents through structured questionnaires. The results indicate that financial behavior is the strongest and most dominant predictor in determining financial well-being. Interestingly, the findings reveal that financial literacy has no direct effect on financial behavior, indicating a knowledge-behavior gap among the officers. However, financial attitude is proven to be the primary driver in shaping disciplined financial behavior. The mediation test confirms that financial behavior acts as a crucial bridge that transforms knowledge and attitude into tangible financial well-being. This study recommends that government agencies focus on educational programs based on behavioral and mental shifts, rather than merely providing theoretical materials.

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Published

2025-12-31

How to Cite

Ario Gusmansyah, Tona Aurora Lubis, & Agus Solikhin. (2025). The INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE ON FINANCIAL WELL-BEING WITH FINANCIAL BEHAVIOR AS A MEDIATING VARIABLE: A STUDY OF CIVIL SERVANTS IN JAMBI PROVINCE. Journal of Business Studies and Management Review, 9(1), 191–196. https://doi.org/10.22437/jbsmr.v9i1.53520

Issue

Vol. 9 No. 1 (2025): JBSMR, Vol 9 No.1 December 2025

Section

Table of Contents

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Copyright (c) 2025 Ario Gusmansyah, Tona Aurora Lubis, Agus Solikhin

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This work is licensed under a Creative Commons Attribution 4.0 International License.

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.