Kesejahteraan Psikologis Self-Supporting Student: Peran Religiusitas, Frugal Behavior, dan Faktor Keuangan

Abstract

Kesejahteraan psikologis merupakan aspek penting bagi self-supporting students yang menghadapi tuntutan untuk memenuhi kebutuhan hidup dan pendidikan secara mandiri. Penelitian ini bertujuan menganalisis pengaruh religiusitas, sosialisasi keuangan orang tua, literasi keuangan syariah, frugal behavior, dan resiliensi keuangan terhadap kesejahteraan psikologis self-supporting students. Penelitian menggunakan desain explanatory dengan pendekatan kuantitatif, melibatkan 195 mahasiswa Muslim berusia 18–25 tahun yang bekerja selama masa perkuliahan. Data dianalisis menggunakan independent-samples t-test, korelasi, dan structural equation modeling. Hasil penelitian menunjukkan bahwa self-supporting students memiliki resiliensi keuangan dan kesejahteraan psikologis yang lebih tinggi dibandingkan mahasiswa dengan sumber dana campuran. Pendapatan bulanan, lama bekerja, pendidikan ayah, dan jumlah tanggungan berhubungan dengan beberapa variabel penelitian. Selanjutnya, religiusitas berpengaruh positif terhadap literasi keuangan syariah, sedangkan literasi keuangan syariah dan sosialisasi keuangan orang tua berpengaruh positif terhadap frugal behavior dan resiliensi keuangan. Resiliensi keuangan berpengaruh positif terhadap kesejahteraan psikologis, sedangkan frugal behavior berpengaruh negatif terhadap kesejahteraan psikologis. Hasil Multi-Group Analysis menunjukkan bahwa pengaruh literasi keuangan syariah terhadap frugal behavior lebih besar pada mahasiswa dengan sumber dana campuran dibandingkan mahasiswa dengan sumber dana mandiri. Temuan ini menunjukkan bahwa kesejahteraan psikologis self-supporting students berkaitan dengan bagaimana mahasiswa mengelola dan mempertahankan sumber daya finansialnya dalam menghadapi tuntutan kehidupan. Oleh karena itu, upaya mendukung kesejahteraan mahasiswa bekerja perlu memperhatikan kondisi ekonomi dan sumber pendanaan, serta mendorong pengelolaan keuangan yang adaptif dan berkelanjutan.

Psychological well-being is an important aspect for self-supporting students who face the demands of independently meeting their living and educational needs. This study aims to analyze the effects of religiosity, parental financial socialization, Islamic financial literacy, frugal behavior, and financial resilience on the psychological well-being of self-supporting students. The study employed an explanatory design with a quantitative approach, involving 195 Muslim students aged 18–25 years who worked while pursuing their studies. Data were analyzed using an independent-samples t-test, correlation analysis, and structural equation modeling. The results showed that self-supporting students had higher financial resilience and psychological well-being than students with mixed funding sources. Monthly income, length of employment, father’s education, and number of dependents were associated with several research variables. Furthermore, religiosity had a positive effect on Islamic financial literacy, while Islamic financial literacy and parental financial socialization had positive effects on frugal behavior and financial resilience. Financial resilience had a positive effect on psychological well-being, whereas frugal behavior had a negative effect on psychological well-being. The results of the Multi-Group Analysis showed that the effect of Islamic financial literacy on frugal behavior was stronger among students with mixed funding sources than among students with independent funding. These findings indicate that the psychological well-being of self-supporting students is related to how students manage and maintain their financial resources in facing life demands. Therefore, efforts to support the well-being of working students need to consider their economic conditions and sources of funding, while promoting adaptive and sustainable financial management.