scholarly journals Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Kota Samarinda

2021 ◽  
Vol 9 (3) ◽  
pp. 138-144
Author(s):  
Jeremia Hasiholan Napitupulu ◽  
Noor Ellyawati ◽  
Ratna Fitri Astuti
Keyword(s):  
Data Collection ◽  
Financial Literacy ◽  
Financial Management ◽  
Management Behavior ◽  
Financial Problems ◽  
Financial Attitudes ◽  
Knowledge And Attitudes ◽  
The Future ◽  
Behavior Based

The role of financial literacy and financial attitude is important in producing wise behavior in student financial management. This research aims to determine how the influence of financial literacy and financial attitudes on student financial management behavior. Data collection was carried out by distributing questionnaires to 110 Samarinda’s students to find out responses to the condition of financial literacy, financial attitudes and student financial management behavior. Based on the analysis results show that partially and simultaneously, the higher the financial literacy and financial attitude, the higher the student's financial management behavior. Students who have good behavior show that students are able to apply their knowledge and attitudes in their financial management behavior. Optimization of financial literacy and attitudes is needed, so that student's behavior in managing finances is getting better in order to face increasingly complex financial problems in the future

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 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 Antecedents Behavioral of the Millennial Generation Financial Management

2019 ◽  
Vol 8 (4) ◽  
pp. 1583-1588
Keyword(s):  
Financial Management ◽  
Millennial Generation ◽  
Sampling Technique ◽  
Financial Knowledge ◽  
Primary Data ◽  
Management Behavior ◽  
Financial Attitudes ◽  
Program Testing ◽  
Knowledge And Attitudes ◽  
Test Feasibility

The purpose of this study is to uncover the antecedents of millennial generation financial management behavior with two important variables, namely financial knowledge and attitudes toward finance. The sampling technique is purposive, the sample used is 100 millennial generations. The sampling technique is by selecting respondents including the millennial generation, which was born in 1978-2000. The data source used is primary data obtained through the results of questionnaire collection to millennial generations. The technique for analyzing is the technical regression analysis using the WarpPLS software program. Testing is done by instrument test, feasibility of the model and finally testing the hypothesis. The results of the study show that financial knowledge influences the management behavior of millennial generation, financial attitudes influence the behavior of the financial management of millennial generations. So that it can be concluded that financial knowledge and attitudes towards finance are important antecedents of millennial generation financial management behavior because financial knowledge and financial attitudes influence the behavior of millennial generation financial management.

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 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 THE EFFECT OF FINANCIAL LITERATION ON FINANCIAL PERFORMANCE IN COOPERATIVES OF STATE EMPLOYEES IN BANDAR LAMPUNG

2019 ◽  
Vol 2 (01) ◽  
pp. 69
Author(s):  
Liya Ermawati
Keyword(s):  
Financial Performance ◽  
Path Analysis ◽  
Financial Literacy ◽  
Financial Management ◽  
Total Sample ◽  
Management Behavior ◽  
Financial Problems ◽  
Financial Products ◽  
State Employees ◽  
Cooperative Units

Allegedly, the reason for the number of cooperatives not actively running cooperative units is because there are still many financial problems. Individual needs and increasingly complex financial products require cooperative managers to have adequate financial literacy. Individuals need basic financial knowledge and the ability to effectively manage financial resources for better welfare and development of cooperatives.A person's ability to use money depends very much on the knowledge they have, the better the financial literacy that someone has, the better the financial management behavior of that person. This kind of thing, then, will have an impact on one's financial performance. Therefore, studies regarding this matter are very important to do. In this study, the total sample was 50. all the data obtained were analyzed using path analysis. Path analysis is used to analyze the pattern of relationships between variables in order to determine the direct and indirect effects of a set of independent variables on the dependent variable Based on the results of data processing, it can be seen that the value of the direct effect of the variable behavior of financial management on financial performance is equal to 0.681. Whereas, the indirect effect of variables x1, x2 and x3 on financial performance through financial management behavior is 0.0051 (0.367 x 0.480 x 0.029). by comparing the two values, it can be proved that the influence of knowledge variables (X1), understanding (X2), and application (X3) on financial performance is directly smaller than their influence on financial performance (Z) through financial management behavior (Y), so it can be concluded that the behavior of financial management is an intervening factor for financial literacy with financial performance Someone who has good financial literacy, coupled with proper financial management behavior, can be said as prosperous in terms of finances. By having good skills in managing finances, a cooperative manager will be free from financial problems so that the cooperative's financial performance will be achieved optimally.

ANALISIS PENGARUH PENERAPAN BUDAYA TERHADAP KEBUTUHAN EKONOMI DAN PERILAKU MANAJEMEN KEUANGAN PADA MASYARAKAT ENDE LIO

Analisis ◽  
2020 ◽  
Vol 10 (1) ◽  
Author(s):  
Laurentius D. Gadi Djou ◽  
Apriana Marselina
Keyword(s):  
Financial Management ◽  
Structural Equation ◽  
Sem Analysis ◽  
Economic Conditions ◽  
Equation Modeling ◽  
Significant Positive Effect ◽  
Management Behavior ◽  
Financial Attitudes ◽  
Economic Needs ◽  
Positive Effect

Indonesia is a country that has diverse tribes and cultures. Each culture has different behavioral characteristics in terms of financial management that can affect the economic growth of a region. Wurumana culture is a local custom of the Ende Lio community which is related to the cycle of money circulation in the family which has become a tradition for generations. The purpose of this study was to determine the effect of local culture (Wurumana) on Economic Needs, the effect of Economic Needs on Financial Management Behavior, the influence of Economic Needs on Financial Attitudes, and to determine the effect of Financial Attitudes on Financial Management Behavior of the Ende Lio community. The research method used in this study is a quantitative method using Structural Equation Modeling (SEM) analysis tools using AMOS 22. The results of the study show that Wurumana Culture has a significant positive effect on Economic Conditions (H1), Economic Conditions are proven to have a significant positive effect on Management Behavior Financial (H2), Economic Conditions have a significant positive effect on Financial Attitudes (H3), and Financial Attitudes have a significant positive effect on Financial Management Behavior (H4).

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