The Effect of Income Intention on Financial Well-Being: Household Behavior as a Mediating Variable : (Study on Women MSME Actors in Bantul Regency, Yogyakarta)

Bangun Putra Prasetya; Nany Noor Kurniyati; Raden Teja Yokanan

doi:10.61132/digitalinnovation.v2i1.213

Authors

Bangun Putra Prasetya Universitas Widya Mataram
Nany Noor Kurniyati Universitas Widya Mataram
Raden Teja Yokanan Universitas Kristen Immanuel

DOI:

https://doi.org/10.61132/digitalinnovation.v2i1.213

Keywords:

Incomeintention, Household Behavior, Financial Well Being

Abstract

Currently, people are beginning to realize that housewives actually have a role in moving the wheels of the economy and are able to achieve financial prosperity. This study uses an explanatory approach. The population in this study is female MSME actors in Bantul Regency under the guidance of related agencies. The sample in this study is 99 samples. Hypothesis testing is carried out in two stages. The first stage is testing the instrument by testing its validity and reliability. The next stage is hypothesis testing. then Mediation Test. The analysis tool using Smart PLS. shows that Income intention plays a role in influencing Financial Well-Being with a P-Value of 0.002. In addition, Income intention affects Household Behavior with a P-Value of 0.001. Household Behavior has an effect on Financial Well-Being with a P-Value of 0.000. and the mediation test showed that household behavior was able to mediate the relationship between the ability of Income intention in achieving Financial Well-Being. In addition, if a person's Income intention is balanced with the ability to control household behavior in controlling finances and saving, it will have a good impact on Financial Well-Being.

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