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Sifat Kepribadian Big Five sebagai Pemoderasi Pengaruh Literasi Keuangan Islam terhadap Perencanaan Keuangan Islam
Islamic financial planning is a making process of financial planning in prudence to
make it compatible with Islamic law in order to achieve the level of Al-Falah, that
is the blessing of dunya and the salvation of akhira. Yet, with the importance of
Islamic financial planning, the individuals who apply the Islamic financial planning
in managing their wealth are still rare. So that this research intends to discover the
influence of Islamic financial literacy towards each individual’s Islamic financial
planning, and moderation effects given by the big five personality trait. The
researcher used the simple regression test to find out the Islamic financial literacy
effects towards the Islamic financial planning, and used the analysis of moderated
multiple regression (MMR) to take the idea that the big five personality trait can
moderate the Islamic financial literacy effects towards the Islamic financial
planning. The data is collected by using the survey technique through questionnaire
distribution to 115 moslem entrepreneurs in Bandung area. The result of this
research shows that the Islamic financial literacy influences the Islamic financial
planning significantly, and the big five personality trait partially moderates that
influence. Furthermore, the conscientiousness and opennes to experience
personality trait moderate the influence of Islamic financial literacy towards
Islamic financial planning, while the other three of big five personality trait do not
moderate.
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