scholarly journals The Influence of Financial Attitude, Financial Literacy, and Locus of Control on Financial Management Behavior (Study Case Working-Age of Semarang)

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Stella Maris Juhar Baptista
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Financial Management ◽  
Behavior Management ◽  
Age Groups ◽  
Financial Behavior ◽  
Management Behavior ◽  
Financial Attitudes ◽  
Working Age ◽  
The Individual

The financial attitude possessed by individuals can be realized because of literacy or knowledge. Meanwhile, the current level of working-age literacy in Semarang City needs to be improved. This background can be seen in the widespread use of credit cards, excessive consumption activities, and the low level of public knowledge about financial institutions and financial products and services. To inhibit this desire, a high locus of control is needed in the individual. This study aims to determine the influence and relationship between financial attitudes, financial literacy, and locus of control on financial management behavior at working-age in Semarang City. The research method used is the quantitative method with multiple regression analysis. The data collection technique was by distributing questionnaires to four hundred productive age groups in the city of Semarang. The results of this study showed that there was an influence between financial attitudes and financial literacy on partial financial behavior management based on hypothesis testing (t-test), but there is no influence between the locus of control on financial management behavior partially.

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.

scholarly journals THE INFLUENCE OF FINANCIAL INFORMATION, FINANCIAL SELF EFFICACY, AND EMOTIONAL INTELLIGENCE TO FINANCIAL MANAGEMENT BEHAVIOR OF FEMALE LECTURER

2020 ◽  
Vol 7 (6) ◽  
pp. 1112-1124
Author(s):  
Nadia Asandimitra ◽  
Achmad Kautsar
Keyword(s):  
Emotional Intelligence ◽  
Financial Literacy ◽  
Financial Management ◽  
Self Efficacy ◽  
Psychological Factors ◽  
Private Universities ◽  
Financial Information ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Management Behavior

Purpose of the study: The purpose of the study was to compare the financial information, financial self-efficacy and emotional intelligence on the financial management of women lecturer in state and private university. Methodology: This study was designed as a conclusive causality study. The study population was female lectures of state and private universities in Indonesia. From the population, there are two hundred (200) female lectures from a state university and private universities have selected as a sample of study by quota sampling method. The data collection techniques used in this research are interviews and surveys. Multiple regressions was chosen to get results with the SPSS tools. Main Findings: There is an influence of financial knowledge, financial self-efficacy, financial literacy, and emotional intelligence to the financial management behavior of female lecturers at state universities while there is no influence of financial attitude, financial literacy, and emotional intelligence to the financial management [behavior] of female university lecturers in private universities. Applications of this study: The results of this study will be beneficial for financial institutions and governments that usually hold education and training programs for their customers to increase financial knowledge so as to increase the confidence of their customers (including lecturers) in their ability to manage finance. Furthermore, this knowledge will be conveyed back to the students of the lecturer in the learning process about finance, so that it will indirectly increase the financial literacy of their students and society at large. Novelty/Originality of this study: Many researches about financial behavior topics have analyzed financial information factors’ influence on financial management behavior, but few of them have included psychological factors such as financial self-efficacy and emotional intelligence. This distinguishes this research compared to other studies of financial behavior as it analyzes the two effects of psychological factors on financial management behavior. Another novelty of this study is the selection of female lecturer as research object as their characteristic as well-informed and well-educated about financial management that has not observed by previous studies.

scholarly journals PENGARUH LITERASI KEUANGAN DAN FAKTOR DEMOGRAFI TERHADAP PERILAKU PENGELOLAAN KEUANGAN PRIBADI PADA DOSEN-DOSEN FAKULTAS EKONOMI UKIM

Jurnal Soso-Q ◽  
2020 ◽  
Vol 8 (1) ◽  
Author(s):  
Chricela N Joseph
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Scientific Journal ◽  
Demographic Factors ◽  
Test Reliability ◽  
Financial Behavior ◽  
Absolute Poverty ◽  
Management Behavior ◽  
Cross Sectional ◽  
Independent Variable

The term financial literacy is the ability of an individual to make decisions in terms of personal financial knowledge. According to Remund (2010) describes five domains of financial literacy namely knowledge of financial concepts, the ability to communicate about financial concepts, the ability to manage finances, the ability to make financial decisions and the confidence to make future plans. 1) Does financial literacy affect the personal financial management behavior of the UKIM faculty of economics? 2) Does income affect the personal financial management behavior of the UKIM faculty of economics? The output of this study is the publication of the results of studies in the National Scientific Journal (with ISSN). In this study the variables to be examined consist of the independent variable (dependent variable), namely capital ownership, dependents and education level, while the dependent variable (independent variable), namely absolute poverty. Time horizon of one stage research (cross sectional). The analysis in this study is the entire lecturer at the UKIM faculty of economics. The research method used in this research is explanatory survey. The population in this study is the whole faculty of economics at UKIM, amounting to 22 people. While the sample in this study is the entire population. Data analysis techniques used in this study are the validity test, reliability test and Chi Square Test.The results of this study indicate that 1) Demographic factors which include income do not affect the financial behavior of the UKIM faculty of economics. 2) Financial literacy has a significant effect on the financial behavior of the UKIM faculty of economicsKeywords: Financial Literacy, Demographic Factors, Financial Management Behavior.

scholarly journals Determinan Perilaku Pengelolaan Keuangan di Kecamatan Kajoran Kabupaten Magelang

2021 ◽  
Vol 3 (1) ◽  
pp. 53-69
Author(s):  
Agung Nurrohmat ◽  
Himawan Arif Sutanto
Keyword(s):  
Locus Of Control ◽  
Linear Regression ◽  
Financial Literacy ◽  
Financial Management ◽  
Sampling Method ◽  
Management Behavior ◽  
Regression Test ◽  
Consumptive Behavior ◽  
Positive Effect ◽  
Research Show

Financial management behavior is one of the main topics of discussion at this time. Because it is related to consumptive behavior in the community in Indonesia, and especially in the community of Kajoran sub-district. This research aims to determine the effect on financial literacy, financial attitude, income and locus of control financial management behavior. 100 people take as respondent using accidental sampling method. Analytical method uses linear regression test. The research show that financial literacy, financial attitude and locus of control have positive effect on financial management behavior. While income doesn’t affect on financial management behavior

scholarly journals FAKTOR PREDIKTOR FINANCIAL MANAGEMENT BEHAVIOR GENERASI X

2021 ◽  
Vol 5 (1) ◽  
pp. 179
Author(s):  
Ida Ida ◽  
Sri Zaniarti ◽  
Nabilla Ayuningtyas
Keyword(s):  
Locus Of Control ◽  
Generation X ◽  
Financial Literacy ◽  
Financial Management ◽  
Self Efficacy ◽  
Management Behavior ◽  
Internal Locus ◽  
Human Needs ◽  
Internal Locus Of Control ◽  
Ease Of Access

Kemudahan akses menggunakan internet dalam memenuhi kebutuhan manusia dapat meningkatkan konsumsi. Generasi X sebagai generasi yang mengenal komputer perlu memiliki financial management behavior yang baik agar tidak menimbulkan masalah keuangan. Studi ini bertujuan untuk menguji secara empiris faktor- faktor yang dapat digunakan sebagai prediktor financial management behavior generasi X. Data dikumpulkan dengan menyebarkan kuesioner secara elektronik kepada generasi X yang lahir tahun 1961- 1980 dan terdapat 579 responden yang mengisi lengkap serta diolah dengan menggunakan pendekatan PLS-SEM. Hasil pengolahan diperoleh bahwa self efficacy, internal locus of control, dan Financial Literacy dapat digunakan sebagai faktor yang dapat memprediksi financial management behavior generasi X di kota Bandung Raya dengan responden penelitian yang mayoritasnya berjenis kelamin laki- laki, pendidikan tertinggi Perguruan Tinggi dan bekerja sebagai pegawai. Hasil penelitian ini diharapkan dapat memberikan masukan bagi generasi X agar dapat terus meningkatkan self efficacy, internal locus of control, dan Financial Literacy sehingga dapat meningkatkan financial management behaviornya.  Ease of access using the internet to meet human needs can increase consumption. Generation X is the generation that knows computers. Generation X needs to have good financial management behavior so as not to cause financial problems. This study aimed to test empirically the factors that can be predictors of generation X financial management behavior. The data were collected using questionnaires electronically to generation X (born in 1961-1980). There were 579 respondents. Data were processed using the PLS–SEM approach. The results of the processing show that self-efficacy, internal locus of control, and financial literacy can be used as factors that can predict the financial management behavior of generation X in the city of Bandung Raya with the majority of research respondents who are male, the highest education is higher education and work as an employee. The results of this study are expected to provide input for generation X to improve self-efficacy, internal locus of control, and financial literacy to improve their financial management behavior.

scholarly journals PENGARUH LITERASI KEUANGAN DAN SIKAP KEUANGAN TERHADAP PERILAKU PENGELOLAAN KEUANGAN KELUARGA DI MASA PANDEMI COVID-19 DENGAN SELF EFFICACY SEBAGAI VARIABEL INTERVENING

2021 ◽  
Vol 1 (1) ◽  
pp. 630-644
Author(s):  
Ina Khodijah ◽  
Raden Irna Afriani ◽  
Yuliah Yuliah ◽  
Yollanda Octavitri
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Self Efficacy ◽  
Sampling Technique ◽  
Economic Life ◽  
Primary Data ◽  
P Value ◽  
Management Behavior ◽  
Financial Attitudes ◽  
The Government

The effect of the PSBB or PPKM implemented by the government has changed the economic life of the Indonesian people in general, so that housewives must be able to manage their family finances well. With her knowledge and confidence in managing every family's expenses by adjusting her husband's income. This study aims to examine the effect of Financial Literacy and Financial Attitude on Financial Management Behavior of Women Farmers Group with Self Efficacy as Intervening Variable. This research is a quantitative research with data collection techniques using a questionnaire. The sample is 30 respondents. The sampling technique used is saturated sampling. Primary data processing using path analysis techniques using SMART PLS 3 software. he results of the research hypothesis 1 have a P value of 0.001 so that it rejects Ho and accepts Ha. Hypothesis 2, obtained a P value of 0.027 so that it rejects Ho and accepts Ha. Hypothesis 3, the result of P value is 0.781 so that it accepts Ho and rejects Ha. Hypothesis 4, the result of P value is 0.450 so that it accepts Ho and rejects Ha. And hypothesis 5, the result of P value is 0.773 so that it accepts Ho and rejects Ha. The conclusion is that financial literacy has a significant effect on financial management behavior, while financial attitudes have a significant effect on financial management behavior. And Self Efficacy has no influence on financial management behavior. In addition, the results of the study show that Self Efficacy is not able to mediate financial literacy on financial management behavior and is also unable to mediate between financial attitudes and financial management behavior

scholarly journals Perilaku Manajemen Keuangan Mahasiswa Kelas Karyawan Di Cikarang

2020 ◽  
Vol 11 (1) ◽  
pp. 47-60
Author(s):  
Wisnu Setyawan ◽  
Siska Wulandari
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Quantitative Data ◽  
Female Students ◽  
Statistical Testing ◽  
Male Students ◽  
Management Behavior ◽  
Financial Attitudes ◽  
Economics Students ◽  
Positive Effect

AbstractFor some students, requires them to go to college while working to pay for their studies and living expenses. Financial management behavior has an important role in determining the success of their studies. This study aims to determine the financial management behavior of income-earning students, as well as the influence of financial literacy and financial attitudes on financial management behavior of employee class students in Cikarang.  The method in this study is quantitative associative research, research that uses quantitative data, then processed through regression statistical testing in answering research hypotheses.Respondents were 100 faculty of economics students of the Pelita Bangsa University, consisting of 71 female students and 29 male students. The results showed that financial literacy and financial attitudes had a positive effect on financial management behavior of the employee class students in Cikarang, with a contribution of more than 61%.Keywords: employee class; financial attitudes; financial management behavior; financial literacy; student income-earning.AbstrakBagi sebagian mahasiswa mengharuskan mereka kuliah sambil bekerja guna membiayai studi dan kebutuhan hidup. Perilaku manajemen keuangan memiliki peran penting dalam menentukan keberhasilan studi mereka. Penelitian ini bertujuan untuk mengetahui perilaku manajemen keuangan mahasiswa berpenghasilan, serta pengaruhnya literasi keuangan dan sikap keuangan terhadap perilaku manajemen keuangan mahasiswa kelas karyawan di Cikarang. Metode dalam penelitian ini adalah penelitian asosiatif kuantitatif, penelitian yang menggunakan data kuantitatif, lalu diolah melalui pengujian statistik regresi dalam menjawab hipotesis penelitian. Responden adalah 100 mahasiswa kelas karyawan fakultas ekonomi Universitas Pelita Bangsa yang terdiri dari 71 mahasiswa perempuan dan 29 mahasiswa laki-laki. Hasil penelitian menunjukan bahwa literasi keuangan dan sikap keuangan berpengaruh positif terhadap perilaku manajemen keuangan mahasiswa kelas karyawan di cikarang, dengan kontribusi diterminasi lebih dari 61%.Kata kunci : kelas karyawan; literasi keuangan; mahasiswa berpenghasilan; perilaku manajemen keuangan; sikap keuangan

scholarly journals Faktor Yang Mempengaruhi Financial Management Behavior Pada Mahasiswa Fokus Keilmuan Ekonomi Dan Bisnis Kabupaten Gresik

MANAJERIAL ◽  
2020 ◽  
Vol 7 (2) ◽  
pp. 110
Author(s):  
Yanuar Trisnowati ◽  
Marisya Mahdia Khoirina ◽  
Firda Alvina Putri
Keyword(s):  
College Students ◽  
Locus Of Control ◽  
Financial Management ◽  
Student Behavior ◽  
Good Control ◽  
Financial Education ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Management Behavior ◽  
Personal Finances

Background – College students are one component of society that plays an important role for the change of the nation (agent of change). At this moment they are in a situation where they face financial independence and start making responsible decisions. Financial education can be done by providing understanding to the public, especially the younger generation about finances and their management that is good and wise, that is why, financial knowledge is needed. Today's society tends to buy things as they wish, so, financial knowledge requires skills and tools for individuals to be able to provide financial decisions and with confidence can manage individual welfare efficiently. Good personal financial management must have at least knowledge so that individuals can apply their knowledge based on their financial attitudes. Purpose - Determine and analyze the factors that influence the behavior of financial management of college students, focusing on Economics and Business, in Gresik Regency. Design / methodology / approach – This research methodology uses a descriptive quantitative approach. Chosen population was 2,636 college students and the sample used was 347 students. Data collection taken by questionnaires and analysis was using multiple linear regression. Finding - Three research variables (1) Financial Attitude, (2) Financial Knowledge, and (3) Locus of Control have an influence on the Financial Management Behavior. College students who tend to have a good financial attitude then they have good financial behavior in managing personal finances. College students with financial knowledge will better understand financial problems and be better in terms of financial behavior. College students who have a good locus of control will be able to measure the risks that occur so that they can easily make a decision and their finances tend to have a level of trust, confidence and good control over their financial management. Research Implication – This research has implications for assessing student behavior in managing personal finances in an effort to meet the needs of education and daily life. Limitation – In assessing financial management behavior (Financial Management Behavior), this research student only uses 3 variables, namely Financial Attitude, Financial Knowledge, and Locus of Control.

scholarly journals Financial Literacy among the Millennial Generation: Relationships between Knowledge, Skills, Attitude, and Behavior

2020 ◽  
Vol 14 (4) ◽  
pp. 24-37
Author(s):  
Vera Dewi ◽  
Erie Febrian ◽  
Nury Effendi ◽  
Mokhamad Anwar
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Millennial Generation ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Multiple Choice Questions ◽  
Management Behavior ◽  
Significant Relationships ◽  
Chi Squared ◽  
And Behavior

This study aims to determine the level of financial literacy among the millennial generation and to examine the correlation of their financial knowledge, financial attitude, and financial skills with their financial behavior. Multiple choice questions were used to measure financial knowledge with results grouped into three categories: low, moderate, and high. Financial attitude, financial skills, and financial behavior were also grouped using the quartile method into three categories: poor, fair, and good. Chi-squared analysis was used to test the hypotheses, with correspondence analysis conducted to identify the characteristics of the millennial generation and to graphically illustrate the gap. Regarding financial attitude, financial skills, and financial behavior, the proportions of respondents in the 'fair' category, were 70.6%, 66.5%, and 72.2%, respectively. Significant relationships were found not only between financial attitude and financial management behavior, but also between financial skills and financial management behavior. However, the relationship was not significant between financial knowledge and financial behavior.

scholarly journals Perilaku Keuangan Pada Pelaku UMKM Kelurahan Cinere Depok

2020 ◽  
Vol 8 (3) ◽  
pp. 225-238
Author(s):  
Yosua Triawan Harahap ◽  
Alfida Aziz ◽  
Dewi Cahyani
Keyword(s):  
Data Analysis ◽  
Locus Of Control ◽  
Financial Literacy ◽  
Population Data ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Sample Collection ◽  
Financial Attitudes ◽  
Saturated Sample

This research is a quantitative study aimed at knowing the financial literacy, financial attitude, and locus aof control to the financial behavior of SMES in Cinere village. This research uses the SME actors in Cinere village as a population of 30 MSMES. The sample collection is done using a saturated sample means all populations as a sample, so selected 30 respondents from a registered population. Data collected by spreading questionnaires. Data analysis testing is a validity test and reusability test as well as hypothesized analysis in this study using the analysis of PLS (Partial Least Square) with the program smartPLS version 3.0 and a signification rate of 5% (0.05). The results of this study indicated that (1) Financial literacy has no significant effect on financial behavior, (2) Financial attitudes have significant effect on financial behavior, (3) Locus of control significant effect on financial behavior.   Keywords: financial literacy, financial attitude, Locus of Control, Financial behavior

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