The Influence of Financial Literacy and Financial Attitude on Financial Management Mediated by Financial Self-Efficacy among High School and Vocational School Teachers in East Kalimantan

ABSTRACT: This study aims to analyze the influence of Financial Literacy and Financial Attitude on Financial Management, with Financial Self-Efficacy as a mediating variable among high school and vocational school teachers in East Kalimantan. This research employed a quantitative approach using a stratified proportional sampling technique involving 240 teachers as respondents. Primary data were collected through a questionnaire and analyzed using the Structural Equation Modeling – Partial Least Squares (SEM-PLS) method. The results indicate that Financial Attitude and Financial Self-Efficacy have a significant positive and direct influence on Financial Management. Conversely, Financial Literacy was not found to have a significant direct influence on Financial Management. Furthermore, this study proves that Financial Self-Efficacy significantly mediates the relationship between both Financial Literacy and Financial Attitude toward Financial Management. This finding highlights the central role of psychological factors, wherein Self-Efficacy becomes a key mechanism that transforms knowledge and attitudes into effective financial behavior among teachers.

KEYWORDS: Financial Attitude, Financial Literacy, Financial Management, Financial Self-Efficacy.