The Effect of Financial Knowledge, Financial Behavior, and Income on Financial Satisfaction of Employees in Production at PT Sarana

The background in this research is that the employees in this production section are not able to manage their personal finances, so they experience financial dissatisfaction. Many factors influence financial satisfaction, one of which is income, financial knowledge, and financial behavior. This study aims to examine the effect of financial knowledge, financial behavior, and income on financial satisfaction in production employees at PT Sarana Karya Utama. This research uses quantitative methods. The population in this research is employees of the production department of PT Sarana Karya Utama, totaling 52 people, while taking samples using probability sampling technique. The reason is because taking samples from a population of less than 100 samples studied by researchers are 52 production employees. The analysis technique uses instrument test, classic assumption test, and hypothesis test. For test aids using the Statistical Package For The Social Sciences (SPSS). The results of this study indicate that financial knowledge has an influence on financial satisfaction, financial behavior has an influence on financial satisfaction, income has an influence on financial satisfaction.


INTRODUCTION
The industrial world is currently entering the era of the industrial revolution 4.0. in the era this happens automation and data exchange in the factory technology that includes cyberphysical systems and the internet for all forms of cloud computing (cloud computing) to cognitive computing.
At this time the workforce in Indonesia is being faced with challenges poor financial management that results in consumptive behavior.Consumptive behavior occurs because society has materialistic tendencies, hedonism and a great desire to own things without attention to needs and most purchases made are driven desire to fulfill desire pleasure only.Such behavior can cause economic problems for the family and have an even more severe impact if the fulfillment is using improper methods, such as corruption and other criminal acts.This can be minimized with effective and efficient financial management to achieve financial goals.Everyone has financial goals to fulfill all needs and wants (Andini 2018).
PT. Sarana Karya Utama, also known as Sakatama Established in April 2003.It is a Toll Industry Manufacturing in ready-to-drink powder and liquid products in Indonesia.
PT Sarana Karya Utama revenue data is shown by the movement of revenue which has decreased which is quite fluctuating.In the last three months from February to April Employee income fluctuates, this is due to productivity employee performance decreases so that employees do not reach the targets given by the company.The decline in employee performance productivity resulted in the company experiencing a decrease in product demand from customers.This causes a decrease in income for employees, especially in the production section.
Based on the description of the data that has been explained in the background, namely the employees of the production section of PT Sarana Karya Utama that they are capable of managing their personal finances.However, they experience financial dissatisfaction, because of consumptive behavior and lack of knowledge of financial management.So the researcher is interested in conducting research entitled "The Influence of Financial Knowledge, Financial Behavior, and Income on Financial Satisfaction in Employees of the Production Section of PT.Sarana Karya Utama.

Financial Knowledge
According to Teae and Kumar (2019:10), Handayani (2020) Financial knowledge is process by individuals to increase understanding of financial products, concepts,and information also develop skills and become aware of risks and opportunities finance, make the right decisions And understand How method support And take other Actions to prove financial well-being.understanding are consistently more satisfied with their quality of life as a result of their thorough understanding of their current financial situation and how to handle it.So if individuals or families are able to manage financial knowledge well and use their money wisely, namely only to meet the needs needed, the desired goals will be achieved.This is in line with the research of Darmawan and Pamungkas (2019) in their research stating that financial knowledge has a positive and significant effect on financial satisfaction.H1: It is suspected that financial knowledge has an influence on financial satisfaction for employees in the production division of PT Sarana Karya Utama.

Financial Behavior
According to Santoso & Handayani (2019) financial management is an action to assist planning, problem solving and decision making.According to Sukaris, Al Kusani, Handayani, Rajani, Saepuloh, (2019) financial behavior is the way individuals make decisions to manage sources of funds (money), one's attitude will affect the basis of decision making on financial management behavior.By having good financial behavior, individuals can avoid unlimited consumer behavior.With financial behavior, individuals can better plan and manage their finances in different expenditure items with balanced proportions.This is in line with research by Astuti (2015), that financial behavior has a significant influence on financial satisfaction because people who have positive financial behavior tend to be financially satisfied.H2: It is suspected that financial behavior has an influence on financial satisfaction to employees of the production division of PT Sarana Karya Utama.

Income
Income is the total amount of money received by a person within a certain period of time, usually one year (Herlindawati, 2015).income has the greatest impact on a person's financial satisfaction, meaning that when individual income increases, financial satisfaction will also increase.This is in line with the research of Wahab et al., (2019) from the results of the study that income has a positive and significant effect on financial satisfaction.H3: It is suspected that income has an influence on financial satisfaction employees of the production division of PT Sarana Karya Utama.

METHODS
In this study the approach used is a quantitative approach.The research location was carried out at PT Sarana Karya Utama which is on Jalan Kig Raya Selatan Kavling A No.4, Gresik Industrial Estate, Rarang kuwung, Tlogopojok, Gresik, Gresik Regency, East Java 61121.
The population in this study were employees of the production division of PT Sarana Karya Utama in Gresik, totaling 52 employees.The sampling technique in this study is probability sampling.if the total population is less than 100 people, then the total number of samples taken.Based on this research, because the total population is not greater than 100 respondents, the authors take 100% of the total population in the production section of PT Sarana Karya Utama, namely as many as 52 respondents.
The type of data to be used is primary data.Primary data is data that comes from the original or first source which is obtained directly by researchers from the field or research object according to the variables studied and then processed.
The data collection technique used was by distributing questionnaires.The response of each indicator uses a Likert scale measurement scale as follows: strongly agree (5), agree (4), undecided (3), disagree (2), strongly disagree (1) (Sugiyono, 2013;133).The method used in this study is multiple linear regression, to determine the effect of financial knowledge (X1), financial behavior (X2), and income (X3), on financial satisfaction (Y).The formula used in multiple linear regression is as follows: Y = β1X1 + β2X2 + β3X3 + e Based on the results table from the reliability test, it can be explained that the Cronbach alpha value is greater than 0.60, so it can be concluded that the overall variables in the questionnaire are reliable.So the questionnaire in this study is consistent if the measurements are repeated and under the same conditions.

Normality test Table 3 Asymp Normality Test Results
Based on the output table above, the results of the normality test using the One-Sample Kolmogrov -Smirnov test produce an Asymp Sig of 0.200, which means that the value is greater than 0.05.Based on the provisions of the normality test, it can be concluded that the regression residual values in this study are normally distributed.

Multicollinearity Test Table 4 Multicollinearity Test Results
Variable Tolerance VIF Financial Knowledge (X1) 0,996 1,004 Financial Behavior 0,995 1,005 (X2) Income (X3) 0,999 1,001 Based on the results table from the multicollinearity test, it can be seen if the Tolerance value is > 0.10, namely the Tolerance value from financial knowledge (0.996), financial behavior (0.995), income (0.999).The VIF value < 10.00 is the VIF value of financial knowledge (1.004), financial behavior (1.005), income (1.001) and it can be concluded that there are no symptoms of multicollinearity among the independent variables.

Variable Sig Conclusion
Financial Knowledge (X1) 0,757 Based on the test results above, it shows that the Glejser test results can known sig > 0.05.For a sig value of Financial Knowledge of 0.757, the sig Financial Behavior is 0.758 and the sig value of Income is 0.828 it can be concluded that there are no symptoms of heteroscedasticity in the three variables independent.2. The value of β2 = Financial Behavior (X2) is 0.229 This means that there is a positive relationship between financial behavior and financial satisfaction (Y), the higher the financial behavior, the lower the financial satisfaction.Where if the lower the financial behavior, the higher the financial satisfaction.

Multiple Linear Regression Test
3. The value of β3 = income (X3) is 0.506 This means that there is a positive relationship between income and financial satisfaction (Y), the higher the income, the lower the financial satisfaction.Where the lower the income, the higher the opportunity to experience financial satisfaction.Based on the table above, it shows that the results of the analysis of the Determination test (R2) obtained an R value of 0.595 or 59.5% meaning that the variables of financial knowledge (X1), financial behavior (X2), and income (X3) are able to explain the financial satisfaction variable of 59, 5% while the remaining 40.5% can be explained by other factors outside of this study.

Significant Income (X3)
.004 Significant Based on the table above it can be seen: a. Financial Knowledge Significant t < significant value 0.05 or .000< 0.05, it can be concluded that H0 is rejected and H1 is accepted, which means that financial knowledge has a positive and significant effect on financial satisfaction.
b. Financial Behavior Significant t < significant value 0.05 or .004< 0.05, it can be concluded that H0 is rejected and H2 is accepted, which means that financial behavior has a positive and significant effect on financial satisfaction.
c. Income Significant t < significant value 0.05 or .004< 0.05, it can be concluded that H0 is rejected and H3 is accepted, which means that income has a positive and significant effect on financial satisfaction.

Effect of Financial Knowledge on Financial Satisfaction
According to Halim & Astuti (2015), Dr. Selda Coskuner (2016), Kumar Saurabh and Tanuj Nandan (2018), and Darmawan and Pamungkas (2019) which state that financial knowledge has a positive and significant effect on financial satisfaction.The results of this study differ from research conducted by Pratiwi (2019) which explains that financial knowledge has an insignificant effect on financial satisfaction.The differences in the results of these studies are found in the indicators of research variables used by researchers so that different research results are obtained.
The results of this study indicate that financial knowledge has a positive and significant effect on financial satisfaction.This shows that in this study the financial knowledge variable can be a factor that influences financial satisfaction.

Effect of Financial Behavior on Financial Satisfaction
This is supported by research conducted by Halim & Astuti (2015), which states that financial behavior has a positive and significant influence on financial satisfaction because people who have positive financial behavior tend to be financially satisfied.The results of this study differ from research conducted by Sherly and Pamungkas (2020) which explains that financial behavior has no effect on financial satisfaction.The differences in the results of these studies are found in the indicators of research variables used by researchers so that different research results are obtained.
The results of this study indicate that financial behavior has a positive and significant effect on financial satisfaction.This shows that in this study the financial behavior variable can be a factor that influences financial satisfaction.A positive direction means that the better the individual's financial behavior, the higher their level of satisfaction or their financial condition.

Effect of Income on Financial Satisfaction
According to Wahab et al. (2019), which states that income has a positive and significant effect on financial satisfaction.The results of this study indicate that income has a positive and significant effect on financial satisfaction.This shows that in this study the income variable can be a factor that influences financial satisfaction.
So it can be concluded that if income is greater, it will affect financial satisfaction and if income is smaller, it will have a negative effect on financial satisfaction, because most people with low income are on average dissatisfied with their financial condition, and vice versa.This means that income that is in accordance with the work of employees will support the fulfillment of material and nonmaterial needs, conversely if the income is not appropriate it will affect material needs and non-material needs.

CONCLUSION
Based on the results of data analysis and interpretation of the results, this study can be concluded as follows:1) Financial knowledge has an influence on financial satisfaction PT.Sarana Karya Utama Gresik.2) Financial behavior has an influence on financial satisfaction in PT.Sarana Karya Utama Gresik.3)Income has an influence on financial satisfaction of employees production department PT.Sarana Karya Utama Gresik.

Table 2 Reliability Test Results
VALIDBased on the SPSS results table above, the questionnaire containing 4 variables contained 15 questions which had been filled in by 52 correspondents in this study indicating that r count > from r table / can be declared valid.

Table 6
Multiple Linear Regression Test Results

Table 7
Test Results for the Coefficient of Determination (R2)

Table 8
Significance Test Results (t-test)