PENGARUH FINANCIAL ANXIETY DAN ISLAMIC FINANCIAL LITERACY TERHADAP ISLAMIC FINANCIAL WELL-BEING PADA ASN IAIN BONE DENGAN MENTAL BUDGETING SEBAGAI VARIABEL MODERASI
DOI:
https://doi.org/10.30863/akunsyah.v6i2.6243Abstract
Penelitian ini mengkaji keterkaitan Financial Anxiety dan Islamic Financial Literacy dengan Islamic Financial Well-Being serta menguji peran Mental Budgeting dalam hubungan tersebut pada ASN IAIN Bone. Penelitian menggunakan pendekatan kuantitatif dengan desain cross-sectional dan melibatkan 177 responden dari total 361 ASN yang dipilih secara proportionate random sampling. Data kuesioner dianalisis menggunakan PLS-SEM melalui SmartPLS 4. Analisis menunjukkan bahwa Financial Anxiety berhubungan negatif dengan Islamic Financial Well-Being, sedangkan Islamic Financial Literacy dan Mental Budgeting memberikan pengaruh positif. Mental Budgeting tidak terbukti mengubah pengaruh Financial Anxiety maupun Islamic Financial Literacy terhadap Islamic Financial Well-Being. Model penelitian memiliki nilai R² sebesar 0,440, yang berarti mampu menjelaskan 44,0% variasi Islamic Financial Well-Being. Hasil tersebut menegaskan pentingnya penguatan literasi keuangan syariah, pembentukan kebiasaan penganggaran yang baik, dan pengelolaan kecemasan finansial sebagai bagian dari upaya mewujudkan kesejahteraan keuangan sesuai prinsip maqasid al-syari‘ah.
References
Abd Rahim, N., & Ismail, A. (2023). Financial Well-Being Among Serious Pecuniary Indebtedness Civil Servants at the Ministry of Education Malaysia (MOE). International Journal of Human Resource Studies, 13(1), 36. https://doi.org/10.5296/ijhrs.v13i1.20788
Abd Rahim, N., & Ismail, A. (2023). Financial Well-Being Among Serious Pecuniary Indebtedness Civil Servants at the Ministry of Education Malaysia (MOE). International Journal of Human Resource Studies, 13(1), 36. https://doi.org/10.5296/ijhrs.v13i1.20788
Akram Laldin, M., & Furqani, H. (2013). Developing Islamic finance in the framework of maqasid al-Shari’ah: Understanding the ends (maqasid) and the means (wasa’il). International Journal of Islamic and Middle Eastern Finance and Management, 6(4), 278–289. https://doi.org/10.1108/IMEFM-05-2013-0057
Ali, S. A., Aslam, S., Majeed, M. U., & Usman, M. (2024). The Interplay of Mental Budgeting , Self-Control , and Financial Behavior?: Implications for Individual Financial Well-Being. Pakistan Journal of Humanities and Social Sciences 12(02), 1038–1049. https://doi.org/10.52131/pjhss.2024.v12i2.2102.
Amanda, F., Possumah, B. T., & Firdaus, A. (2018). Consumerism in Personal Finance?: An Islamic Wealth Management Approach. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 10(78), 325–340.
Amir, M. F. (2021). Islamic Financial Literacy Dan Islamic Financial Behaviour. Iqtishaduna, 12(2).
Archuleta, K. L., Dale, A., & Spann, S. M. (2013). College Students and Financial Distress Exploring Debt. Financial Counseling and Planning Education, 24(2), 50–62.
Bai, R. (2023). Impact of financial literacy , mental budgeting and self control on financial wellbeing?: Mediating impact of investment decision making. 1–18. https://doi.org/10.1371/journal.pone.0294466.
Garg, N. (2024). Financial well-being?: An integrated framework , operationalization , and future research agenda. (April 2023), 3194–3212. https://doi.org/10.1002/cb.2372
Ilmi, N., Yamin, M., & Fahrika, A. I. (2025). Pengaruh Literasi Keuangan Syariah Terhadap Kesejahteraan Melalui Perilaku Keuangan Syariah Sebagai Variabel Intervening (Studi Pada Pelaku UMKM di Kecamatan Tanete Riattang. Ekonomika, 8(1), 397–408.
Noraisyah, S., Norizan, B., Binti, N., Bakar, A., & Iqbal, M. S. (2025). Examining financial well-being among students?: Islamic social finance and theory of planned behavior approach. Review of Islamic Social Finance and Entrepreneurship, 4(1), 1–16.
Rahmadhani, S. N., & Nasution, M. D. T. P. (2025). The Impact of Financial Capability on Well-Being?: Serial Mediation by Anxiety and Behaviour among Indonesian Retail Investors. Jurnal Ilmiah Akuntansi Kesatuan, 13(3), 629–642. https://doi.org/10.37641/jiakes.v13i3.3605
Rahman, M., Isa, C. R., Masud, M. M., Sarker, M., & Chowdhury, N. T. (2021). The role of financial behaviour, financial literacy, and financial stress in explaining the financial well-being of B40 group in Malaysia. Future Business Journal, 7(1), 1–18. https://doi.org/10.1186/s43093-021-00099-0
Sari, S. K., Husain, H., & Farida, I. (2025). Peran Hifz Al-Mal dalam Membentuk Praktik Frugal Living dan Kontribusinya Terhadap Gaya Hidup Berkelanjutan di Kalangan Rumah Tangga Muslim Watampone. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 7(8), 3365–3384. https://doi.org/10.47467/alkharaj.v7i8.8860
Thaler, R. H. (1999). Mental Accounting Matters. Journal of Behavioral Decision Making, 12(3), 183–206.
Thaler, R. H., & Johnson, E. J. (1990). Gambling with the House Money and Trying to Break Even?: The Effects of Prior Outcomes on Risky Choice. Management Science, 36(6).
Viera, M. K., Caroline, A., Potrich, G., & Angel, A. (2021). Loss of financial well-being in the COVID-19 pandemic?: Does job stability make a difference?? Journal of Behavioral and Experimental Finance, 31, 100554. https://doi.org/10.1016/j.jbef.2021.100554
Wijaya, H. R., Hati, S. R. H., Ekaputra, I. A., & Kassim, S. (2024). The impact of religiosity and financial literacy on financial management behavior and well-being among Indonesian Muslims. Humanities and Social Sciences Communications, 11(1), 1–13. https://doi.org/10.1057/s41599-024-03309-6
Zhang, C. Y., & Sussman, A. B. (2024). Income predictability and budgeting. Journal of Consumer Affairs, 58(1), 304–341. https://doi.org/10.1111/joca.12568
Zulfaka, A., & Kassim, S. (2025). Integrating Financial Decision-Making into Islamic Financial Literacy as A Mediating Factor: Implications for Enhancing Financial Well-Being. Journal of Islamic Finance, 14(2), 58–69.
Downloads
Published
Issue
Section
Citation Check
License
Copyright (c) 2026 Sardina, Sitti Nikmah Marzuki, Ida Farida
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with AKUNSYAH: Jurnal Akuntansi dan Keuangan Syariah agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
