Pengaruh Pendidikan Keuangan Dan Stress Keuangan Terhadap Kesejahteraan Keuangan Dengan Teknologi Keuangan Sebagai Variabel Intervening
DOI:
https://doi.org/10.59086/jak.v4i1.721Abstract
This study aims to explore the impact of financial education and financial stress on financial well-being, with financial technology serving as an intervening variable among the residents of Talawi District. Utilizing an associative and quantitative approach, the research targeted the entire population of Talawi District, comprising 25,958 individuals, with a sample size of 82 participants. Data collection involved tests, interviews, documentary studies, and questionnaires. The quantitative data analysis employed the Partial Least Square-Structural Equation Model (PLS-SEM) to assess the relationships between variables. The findings revealed that financial education significantly influences financial well-being, as does financial stress. Both financial education and financial stress also significantly impact the adoption of financial technology. Importantly, financial technology acts as a significant intervening variable, affecting the relationship between financial education and financial well-being, as well as between financial stress and financial well-being. These results underscore the pivotal role of financial technology in enhancing the financial well-being of the community
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Copyright (c) 2025 Mahdini Aminarti, Qahfi Romula Siregar

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Mandiri Jurnal Akuntansi dan Keuangan
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© 2025
This work is licensed under a Creative Commons Attribution 4.0 International License.
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