scholarly journals The Impact of Financial Knowledge, Lifestyle Pattern on Career Woman Financial Management Behaviour with Locus of Control as

2019 ◽  
Vol 8 (2) ◽  
pp. 271
Author(s):  
Rendra Elvira Shinta ◽  
Wiwik Lestari
Keyword(s):  
Locus Of Control ◽  
Financial Management ◽  
Financial Knowledge ◽  
Management Behaviour ◽  
Lifestyle Pattern ◽  
Career Woman ◽  
The Impact

scholarly journals Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater

2021 ◽  
Vol 9 (3) ◽  
pp. 863-875
Author(s):  
Vicky Pradita Dewanti ◽  
Nadia Asandimitra
Keyword(s):  
Locus Of Control ◽  
Financial Management ◽  
Structural Equation ◽  
Sem Analysis ◽  
Financial Knowledge ◽  
Equation Modeling ◽  
Financial Socialization ◽  
Snowball Sampling ◽  
Online Data ◽  
Management Behaviour

The research of this study investigates financial management behaviour among the user of the Paylater in Surabaya. It also analyzes the relationship between financial socialization, financial knowledge, financial experience, and locus of control as a mediating variable. This research is conclusive causality, used purposive sampling and snowball sampling techniques. The total number of respondents obtained was 234 respondents by distributing questionnaires online. Data analyzed using the Structural Equation Modeling (SEM) analysis technique in the AMOS software. The results show that financial knowledge significantly impacts financial management behaviour, while financial socialization, financial experience, and locus of control do not affect financial management behaviour. The mediation testing result shows that locus of control cannot mediate between financial knowledge and financial management behaviour. Because the sample dominant is the student and age range between 15 and 24, almost all of them still have income from their parents, so they can not manage financial independence to the greatest extent and do not have much experience related to finance. It was also caused by female respondents who often engage in impulsive buying. This study could be helpful to references for various parties, especially Paylater users, to be responsible for making financial decisions and wise in managing their finances.

Determining Drivers of Financial Management Behavior Among Working Adults In Malaysia

2021 ◽  
Vol 7 (2) ◽  
pp. 161
Author(s):  
Afiza Azura Mohamad Arshad ◽  
Azlin Shafinaz Mohamad Arshad ◽  
Zahariah Mohd Zin ◽  
Arief Wibisono Lubis ◽  
Putri Hana Najla Mohamed Haniffa
Keyword(s):  
Financial Management ◽  
Negative Relationship ◽  
Financial Knowledge ◽  
Survey Questionnaire ◽  
Management Behavior ◽  
Working Adults ◽  
Government Sector ◽  
Management Behaviour ◽  
Convenience Sampling ◽  
The Government

Financial management behavior encompasses of four main fields such as saving, expenditure, borrowing and investment. The purpose of this paper is to determine the driver that influences financial management behavior among Malaysian working adults. A survey questionnaire was distributed to 300 Malaysian working adults in three sectors which are the government sector, private sector and self-employed using convenience sampling. A total of 273 responses were collected and deemed usable. The findings of the study found that financial knowledge and financial attitude have a significant and positive relationship to financial management behaviour among Malaysian working adults while the locus of control has a negative relationship with financial management behavior among Malaysian working adults. Recommendations are put forth at the end of the study.

scholarly journals The Impact of Employee Characteristics in the Relation of Financial Knowledge, Financial Management Behavior and Personal Income with Investment Decision of Employee

2020 ◽  
Vol 1 (2) ◽  
pp. 195
Author(s):  
Natasha Asmara ◽  
Andreas Lako ◽  
Eny Trimeiningrum
Keyword(s):  
Financial Management ◽  
Positive Impact ◽  
Investment Decision ◽  
Moderating Effect ◽  
Personal Income ◽  
Financial Knowledge ◽  
Management Behavior ◽  
Study Results ◽  
Employee Characteristics ◽  
The Impact

The resarch is to analyze the impact of financial knowledge, financial management behavior, and personal income on investment decision of the employees of PT. Industri Jamu dan Farmasi Sido Muncul Tbk. This study is also to analyze moderating effect of employee’ characteristics in relation to financial knowledge and financial management behavior and personal income to investment decision of the employees. Based on purposive sampling and questionnaire, the study results in financial knowledge, financial management behavior, and personal income have positive impact on investment decision of the employees. However, employee’ characteristics do not show moderating effect in relations to financial knowledge and management behavior and personal income to investment decision of the employees. The results inidicate that emloyees’ characteristics (risk taker or risk adverse) weaken the influence of financial knowledge, financial management behavior, and personal income to investment decision of the employees.

scholarly journals PERAN PEMEDIASI LOCUS OF CONTROL PADA PENGARUH FINANCIAL KNOWLEDGE DAN FINANCIAL ATTITUDE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR

2021 ◽  
Vol 9 (4) ◽  
pp. 1500-1515
Author(s):  
Bella Cahyaningrum ◽  
Muhammad Ali Fikri
Keyword(s):  
Locus Of Control ◽  
Financial Management ◽  
Sampling Technique ◽  
Positive Influence ◽  
Financial Knowledge ◽  
Primary Data ◽  
Questionnaire Data ◽  
Management Behavior ◽  
Positive Effect ◽  
Special Region

This study aim to determine the effect of financial knowledge and financial attitude towards financial management behavior with locus of control as a mediating variable for students of the Faculty of Economics and Business in Yogyakarta. The population of this study were students of the Faculty of Economics and Business in Yogyakarta, totaling 198,144 respondents. Sampling in this study used purposive sampling technique by using several criteria, namely students of the Faculty of Economics and Business in the Special Region of Yogyakarta, class 2016-2019 because students have studied finance-related subjects that have been studied in lectures, so that students have an understanding and knowledge of finance. The number of samples in this study were 96 respondents. The technique of collecting data by using a questionnaire. Data analysis tools using SmartPLS version 3.0 software. the type of data used is primary data. Direct significance testing of the hypothesis shows that financial knowledge has a positive effect on financial management behavior. Locus of control mediates the positive influence of financial knowledge on financial management behavior. Financial attitude has a positive effect on financial management behavior. Locus of control mediates the positive effect of financial attitude on financial management behavior.

scholarly journals THE INFLUENCE OF SOCIO-DEMOGRAPHIC AND FINANCIAL KNOWLEDGE FACTORS ON FINANCIAL MANAGEMENT PRACTICES OF MALAYSIANS

2017 ◽  
Vol 18 (1) ◽  
Author(s):  
Yiing-Jia Loke
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Management Practices ◽  
Financial Education ◽  
Financial Knowledge ◽  
Insurance Policy ◽  
Management Behaviour ◽  
Income Shock ◽  
The Individual ◽  
Socio Economic Factors

Using the pilot survey data on "Measuring financial literacy" in 2010 from OECD (International Network for Financial Education, INFE), this paper aims to investigate the influence of sociodemographic and financial knowledge factors on four selected financial management practices of Malaysians. The four types of financial management practices are: whether the individual plans a budget, lives within their means, is prepared for income shock and owns an insurance policy. These four financial management practices are used to measure individuals' overall financial management behaviour. The measurement of financial management behaviour is divided into three levels depending on the type of financial management practices carried out by individuals. Ordered probit is used to determine socio-economic factors that are significant in explaining the varying differences in the financial management behaviours among Malaysians. The paper also identifies the financial knowledge gaps and investigates the levels of financial knowledge of Malaysians. While the majority of Malaysians show an average level of financial knowledge and plan their budget, many are financially unprepared for income shock and unexpected circumstances. The findings show that ethnicity, income, gender, regularity of income, education, age and financial knowledge have significant effect on individuals’ financial management behaviour. The findings have implications for regulators, financial educators and consumer groups in their efforts to enhance individuals’ financial management behaviour. Keywords: Emergency Saving; Financial Capability; Financial Knowledge; Living within One's Means; Personal Finance.

scholarly journals Financial Risk Tolerance: The Case of Older Chinese in Klang Valley, Malaysia 2020

2021 ◽  
Vol 12 (2) ◽  
pp. 1
Author(s):  
Shyue Chuan Chong ◽  
Han Kok Heng ◽  
Siok Jin Lim ◽  
Vejaratnam Navaratnam ◽  
Andaeus Zun Khan Neoh
Keyword(s):  
Financial Management ◽  
Financial Risk ◽  
Risk Tolerance ◽  
Financial Knowledge ◽  
Financial Satisfaction ◽  
Retirement Plans ◽  
Short Period ◽  
Retirement Funds ◽  
The Impact ◽  
Malaysian Chinese

Ageing demographic profiles pose challenges to the nation as policymakers are concerned about the health, public pension and the financial management of the society. In Malaysia, retirees are mostly dependent on savings from the Employees Provident Fund (EPF), a government agency that manages savings and retirement plans for private-sector employees and non-pensionable public servants. Many Malaysians aged past the targeted retirement age of 60 years old chose to remain in the workforce, mainly due to insufficient retirement funds or has depleted their retirement funds in a short period. To ensure sufficient funds to attain an ideal retirement life, Malaysians resort to invest or seek business opportunities. Thus, this paper studies the impact of demographic characteristics (sex, age, and educational level) and finance characteristics (financial knowledge and financial satisfaction) on the risk tolerance among older Malaysian Chinese in the year 2020. The results of this study showed that the older Malaysian Chinese risk tolerance is highly influenced by sex, age, education level, financial knowledge and financial satisfaction.

scholarly journals Peran Mediasi Locus of Control pada Perilaku Keuangan

MANAJERIAL ◽  
2019 ◽  
Vol 6 (2) ◽  
pp. 64
Author(s):  
Asep Saepuloh ◽  
Sukaris Sukaris
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Financial Management ◽  
Structural Equation ◽  
Financial Knowledge ◽  
Equation Modeling ◽  
Management Behavior ◽  
Financial Attitudes ◽  
Mediating Role ◽  
Analysis Technique

Financial problems for the next five to ten years are spending greater than income, increasing loans, and not being able to have a place to live because income and housing installment costs are not balanced, on the other hand Indonesian people's awareness of the importance of financial literacy is currently low. The purpose of this study was to determine the mediating role of the locus of control between financial knowledge, financial attitudes towards financial management behavior. The sample used was 100 respondents, the analysis technique used was structural equation modeling with WarpPLS. The results show that internal and external locus of control variables are not mediating variables between financial knowledge, financial attitudes towards financial management behavior.

Impact of financial attitude on financial management behaviour of retail investors: A COVID-19 perspective

2021 ◽  
Vol 9 (3) ◽  
Author(s):  
Aashu Aggarwal ◽  
Ashmeet Kaur ◽  
Sanya Sachdeva
Keyword(s):  
Financial Management ◽  
Structural Equation ◽  
Human Life ◽  
Academic Research ◽  
Equation Modeling ◽  
Negative Effects ◽  
Medical Needs ◽  
Management Behaviour ◽  
Retail Investors ◽  
The Impact

With the emergence of COVID-19, the end of 2019 witnessed worldwide crises causing immense harm to human life. The virus that emerged from China at the end of the year 2019 soon spread to almost all the world economies with negative effects getting amplified each passing day. To combat the rapid spread of the virus and meet the rising medical needs the various governments imposed complete to restricted lockdown. Though the lockdown to an extent helped control the spread of the deadly virus, it also affected the economies severely. The unstable financial system, lack of earnings and limited savings brought a noticeable change in the financial attitude of the retail investors and hence, the emergence of COVID-19 opened up new areas of academic research in the field of financial management behaviour. Considering the novelty of the subject, this paper seeks to examine the impact of financial attitude and financial management behaviour of retail investors during the pandemic. To meet the objectives, the data were collected from a sample of 325 Delhi-NCR based retail investors. Structural Equation Modeling has been used to study the relationship amongst the identified variables. The findings enrich our understanding of retail investment behaviour.

scholarly journals Pengaruh: Financial Attitude, Financial Knowledge Locus Of Control Terhadap Perilaku Manajemen Keuangan

2021 ◽  
Vol 3 (4) ◽  
pp. 1087
Author(s):  
Laurensia Agustine ◽  
Indra Widjaja
Keyword(s):  
Data Analysis ◽  
Locus Of Control ◽  
Financial Management ◽  
Structural Equation ◽  
Sampling Method ◽  
Structural Equation Models ◽  
Financial Knowledge ◽  
Management Behavior ◽  
Analysis Technique ◽  
Convenience Sampling

This study aims to analyze the influence of financial attitude, financial knowledge and locus of control on financial management behavior in 212 students of the Faculty of Economics and Business, Tarumanagara University. The sample was selected using convenience sampling method. The data analysis technique was using Structural Equation Models (SEM) with Smart-PLS version 3.3.3. The results of this study reveals that financial attitude and financial knowledge have an influence on financial management behavior, while locus of control have no effect on financial management behavior. Penelitian ini dilakukan untuk mengetahui pengaruh financial attitude, financial knowledge dan locus of control terhadap perilaku manajemen keuangan pada 212 mahasiswa Fakultas Ekonomi dan Bisnis Universitas Tarumanagara. Teknik pemilihan sampel yang digunakan adalah metode convenience sampling. Teknik analisis data menggunakan Structual Equation Models (SEM) dengan program Smart-PLS versi 3.3.3. Hasil penelitian menunjukkan bahwa financial attitude dan financial knowledge berpengaruh terhadap perilaku manajemen keuangan, sedangkan locus of control tidak berpengaruh terhadap perilaku manajemen keuangan.

Sign in / Sign up

Export Citation Format

Share Document