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"Penelitian ini bertujuan untuk meninjau pengaruh faktor psikologis & sosial (psiko-sosial) serta faktor kognitif berupa financial literacy terhadap financial risk tolerance dan financial behavior konsumen. Penelitian ini juga menguji peran financial risk tolerance sebagai mediasi dari pengaruh faktor-faktor prediktor terhadap financial behavior, serta moderasi emotional intelligence pada pengaruh financial literacy terhadap financial risk tolerance dan financial behavior. Metode penelitian yang digunakan adalah survey dengan total responden penelitian yang valid sebanyak 349 orang yang dipilih dengan teknik purposive sampling, untuk menguji 17 hipotesis. Hasil pengolahan data dengan menggunakan Structural Equation Model-Partial Least Square (SEM-PLS) memperlihatkan trust dan family financial socialization memiliki pengaruh terhadap financial risk tolerance. Disisi lain variabel prediktor seperti financial literacy, financial threat, deliberative thinking, dan optimism tidak memiliki pengaruh signifikan pada financial risk tolerance. Secara langsung financial literacy dan family financial socialization serta financial risk tolerance mempengaruhi financial behavior. Dalam penelitian ini ditemukan peran mediasi financial risk tolerance, pada pengaruh hubungan trust, dan family financial socialization terhadap financial behavior. Selanjutnya, peran moderasi dari emotional intelligence memiliki pengaruh pada financial literacy terhadap financial risk tolerance dan financial behavior. Penelitian ini memberikan kontribusi baik teoritis dan manajerial yang dapat digunakan bagi para marketer dan stakeholder untuk memperhitungkan peran faktor psiko-sosial terhadap pengambilan keputusan keuangan individu.

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This study aims to review the influence of psychological and social (psycho-social) factors, as well as cognitive factors such as financial literacy, on financial risk tolerance and consumer financial behavior. It also examines the role of financial risk tolerance as a mediator in the influence of predictor factors on financial behavior and the moderating role of emotional intelligence on the impact of financial literacy on financial risk tolerance and financial behavior. The research method used is a survey, with a total of 349 valid respondents selected using purposive sampling technique to test 17 hypotheses. Data processing results using Structural Equation Modeling-Partial Least Square (SEM-PLS) show that trust and family financial socialization significantly influence financial risk tolerance. On the other hand, predictor variables such as financial literacy, financial threat, deliberative thinking, and optimism do not have a significant impact on financial risk tolerance. Directly, financial literacy and family financial socialization, as well as financial risk tolerance, affect financial behavior. This study found the mediating role of financial risk tolerance in the relationship between trust and family financial socialization on financial behavior. Furthermore, the moderating role of emotional intelligence influences the effect of financial literacy on financial risk tolerance and financial behavior. This research provides both theoretical and managerial contributions that can be utilized by marketers and stakeholders to consider the role of psycho-social factors in individual financial decision-making."

"Penelitian ini memiliki tujuan untuk mengetahui pengaruh financial knowledge, financial attitude, locus of control terhadap financial management behavior pada mahasiswa di Indonesia. Penelitian ini juga menguji peran financial risk tolerance sebagai variabel moderasi yang dapat memperkuat atau memperlemah pengaruh financial knowledge, financial attitude, locus of control terhadap financial management behavior. Data yang diperoleh sebanyak 447 responden melalui survei cross sectional yang kemudian diolah dan dianalisis menggunakan Partial Least Square-Structural Equation Method (PLS-SEM). Hasil dari penelitian ini menunjukkan bahwa financial knowledge berpengaruh positif terhadap financial attitude. Financial knowledge, financial attitude, dan internal locus of control berpengaruh positif terhadap financial management behavior. Financial attitude memediasi pengaruh antara financial knowledge terhadap financial management behavior dan hubungan mediasi ini termasuk complementary mediation. Pengaruh antara financial knowledge, financial attitude, dan internal locus of control terhadap financial management behavior tidak dimoderasi oleh financial risk tolerance. Penelitian ini diharapkan dapat meningkatkan kesadaran mahasiswa tentang pentingnya financial management behavior dan pentingnya mengelola keuangan.

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This study aims to determine the effect of financial knowledge, financial attitude, locus of control on financial management behavior among students in Indonesia. This study also investigates the role of financial risk tolerance as a moderating variable that can strengthen or weaken the effect of financial knowledge, financial attitude, and locus of control on financial management behavior. The data obtained by 447 respondents through a cross-sectional survey were then processed and analyzed using the Partial Least Square-Structural Equation Method (PLS-SEM). The results of this study indicate that financial knowledge has a positive effect on financial attitude. Financial knowledge, financial attitude, and internal locus of control positively affect financial management behavior. Financial attitude mediates the influence between financial knowledge on financial management behavior and this mediation relationship includes complementary mediation. This study does not find the significant role of financial risk tolerance in moderating the effect of financial knowledge, financial attitude, and internal locus of control on financial management behavior. This research is expected to increase student awareness about the importance of financial management behavior and the importance of managing finances."

"Tujuan penelitian ini adalah untuk mengetahui pengaruh Literasi Keuangan yang terdiri atas Literasi Keuangan Dasar dan Literasi Keuangan Lanjutan, serta Toleransi Risiko Keuangan terhadap Perencanaan Hari Tua yang dimediasi oleh faktor budaya pada karyawan di lingkungan Jabodetabek pada tahun 2023. Penelitian ini adalah penelitian kuantitatif dengan metode pengumpulan data kuesioner. Adapun data yang diperoleh kemudian diolah dengan menggunakan PLS-SEM. Hasil penelitian menunjukkan bahwa Literasi Keuangan, Toleransi Risiko Keuangan, maupun budaya berpengaruh positif dan signifikan terhadap Perencanaan Hari Tua pada karyawan di lingkungan Jabodetabek. Selain itu, budaya sebagai variabel mediasi juga mempengaruhi hubungan antara Literasi Keuangan dan Toleransi Risiko Keuangan terhadap Perencanaan Hari Tua dengan positif dan signifikan. Hasil analisis tambahan pada penelitian ini juga menggambarkan bahwa perbedaan gender dan usia memberikan pengaruh yang berbeda pada hubungan Literasi Keuangan terhadap Perencanaan Hari Tua. Sementara itu, perbedaan tingkat pendidikan memberikan pengaruh yang berbeda pada hubungan Toleransi Risiko Keuangan terhadap Perencanaan Hari Tua pada karyawan di lingkungan Jabodetabek pada tahun 2023.

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The purpose of this study is to find the effect of Financial Literacy and Financial Risk Tolerance on Financial Planning for Retirement mediated by culture on employees in Jabodetabek, Indonesia in 2023. The results of this study can help the government to find and strengthen the factors that support Indonesian people’s Financial Planning for Retirement. This study is quantitative research using questionnaire data collection method and PLS-SEM as data processing method. The results of the study show that Financial Literacy, Financial Risk Tolerance, and culture have a positive and significant effect on Financial Planning for Retirement. In addition, culture as a mediating variable also positively and significantly influences the relationship between Financial Literacy and Financial Risk Tolerance on Financial Planning for Retirement. As additional analysis results, this research also illustrate that gender and age differences have a different influence on the relationship between Financial Literacy and Financial Planning for Retirement. Meanwhile, different levels of education have different effects on the relationship between Financial Risk Tolerance and Financial Planning for Retirement."