Pengaruh Motivasi, Culture, dan Mental Budgeting Terhadap Management of Household Finance Melalui Komitmen

Abstract

This study aims to determine the effect of motivation, culture, and mental budgeting on household finance management through commitments made by homemakers aged 20-50 years, high school/vocational school education level, and not working. The population in this study is homemakers in 2021 in West Sumatra. The number of samples in this study was 160 respondents, using the convenience sampling method. The data analysis was path analysis on the Structural Equation Modeling (SEM) model using STATA 16 software. The research instrument used was a questionnaire distributed via a google form. Based on the data processing results, motivation does not directly affect household finance management. In contrast, culture, mental budgeting, and commitment have a direct effect on the management of household finance. Commitment cannot mediate the relationship between motivation and culture in managing household finance, while commitment can mediate the relationship between mental budgeting and managing household finance.