Pengaruh Nilai Pribadi dan Literasi Keuangan terhadap Perencanaan Keuangan Keluarga dengan Tingkat Pendidikan sebagai Variabel Moderasi

Every family and individual must be able and proficient in handling their finances, especially to ensure that expenses are not greater than the income they receive. For example, allocating their income, for shopping needs, paying bills, investing, and saving, and also managing the family's financial cash flow to be better and orderly. Many factors can affect family financial planning. For example, personal values and financial literacy. The purpose of this study is to determine the effect of personal values and financial literacy on family financial planning in Tuban Regency. As well as the level of education as a moderating variable of the effect of financial literacy on family financial planning. The population of this study were all families residing in Tuban district. Tests performed using descriptive and inferential analysis using SEM-PLS with the WarpPLS 7.0 application. The test results show that personal values and financial literacy have a positive effect on family financial planning. The moderation test using the education level variable shows that the level of education does not moderate the effect of financial literacy on family financial planning. Keywords: Family Financial Planning, Financial Literacy, Personal Valu