PENGARUH LITERASI KEUANGAN DAN SIKAP KEUANGAN TERHADAP PENGELOLAAN KEUANGAN DAN INKLUSI KEUANGAN SEBAGAI VARIABEL INTERVENING DI MASA PANDEMI PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS ABDURACHMAN SALEH SITUBONDO

Abstract

The purpose of this study is to find out financial literacy has a significant effect on financial inclusion, financial attitudes have a significant effect on financial inclusion, financial literacy has a significant effect on financial management, financial attitudes have a significant effect on financial management, financial inclusion has a significant effect on financial management, financial literacy significant effect on financial management through financial inclusion, financial attitude has a significant effect on financial management through financial inclusion. The sampling technique was determined by purposive sampling. Data analysis and hypothesis testing in this study used the Structural Equation Model - Partial Least Square (PLS-SEM)

Based on the results of the study, it is known that financial literacy has a positive and significant effect on financial inclusion, financial attitudes have a positive and significant effect on financial inclusion, financial literacy has a positive and significant effect on financial management, financial attitudes have a positive and significant effect on financial management, financial inclusion has a positive and significant impact on financial management. significant on financial management, financial inclusion has a positive but not significant effect on financial management through financial inclusion, financial attitudes have a positive and significant effect on financial management through financial inclusion.