scholarly journals Understanding Locus of Control on Emerging Adults Financial Behavior

2021 ◽  
Author(s):  
Muhammad Andi Abdillah Triono
Keyword(s):  
Locus Of Control ◽  
Emerging Adults ◽  
Financial Behavior

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (1) ◽  
pp. 37
Author(s):  
Wahyudi Wahyudi ◽  
Brigitta Azalea Pulo Tukan ◽  
Dahlia Pinem
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Partial Least Square Analysis ◽  
Analysis Technique ◽  
Positive Effect ◽  
Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

scholarly journals Financial Behavior Change and Progress Toward Self-Sufficiency: A Goal-Framing Theory Application

2019 ◽  
Vol 8 (6) ◽  
pp. 521-529
Author(s):  
Joyce Serido ◽  
Chuanyi Tang ◽  
Sun Young Ahn ◽  
Soyeon Shim
Keyword(s):  
Emerging Adults ◽  
Behavior Pattern ◽  
Multinomial Logistic Regression ◽  
Financial Education ◽  
Well Being ◽  
The United States ◽  
Framing Theory ◽  
Financial Behavior ◽  
Goal Framing ◽  
Self Sufficiency

We applied goal-framing theory to determine whether there were discernible patterns in emerging adults’ financial behavior from college to career and whether those patterns were associated with progress toward self-sufficiency. Using longitudinal data collected over 5 years from a college cohort of emerging adults ( N = 968) in the United States, we estimated latent growth curve models and identified three financial-behavior patterns suggestive of the overarching motivations in the theory: planful (gain), present focused (hedonic), and socially compliant (normative). Using multinomial logistic regression analysis, we found that higher perceived financial control, more positive financial attitudes, higher perceived parental expectations, and more exposure to financial education were predictive of a gain pattern. Analyses of variance showed that the gain financial-behavior pattern was associated with the most progress toward self-sufficiency (adult stability, career status, and well-being). We discuss the findings as they pertain to the connection between emerging adults’ financial behavior and progress toward self-sufficiency.

scholarly journals Faktor-faktor yang Mempengaruhi Finance Behavior Angkatan Kerja di Jakarta

2021 ◽  
Vol 5 (2) ◽  
pp. 167
Author(s):  
Claudia Rara Anggitha
Keyword(s):  
Locus Of Control ◽  
Structural Equation ◽  
Sampling Method ◽  
Work Force ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Level Of Education ◽  
Convenience Sampling ◽  
Processing Techniques

The purpose of this research is to analyze the influence of Level of Education, Financial Experience, Financial Attitude, Financial Knowledge and Locus of Control on Financial Behavior. The subjects of this research are work force in Jakarta. Sample was selected using convenience sampling method amounted to 100 respondents. Data processing techniques using structural equation modeling what helped by SmartPLS.3.0 program. The result of this study reveals that Level of Education, Financial Experience, Financial Attitude and Financial Knowledge do affect significantly on Financial Behavior, while Locus of Control does not affect significantly on Financial Behavior. Tujuan dari penelitian ini adalah untuk menganalisis adanya pengaruh Tingkat Pendidikan, Pengalaman Keuangan, Sikap Keuangan, Pengetahuan Keuangan dan Lokus Kendali terhadap Perilaku Keuangan. Subjek penelitian ini adalah angkatan kerja di Jakarta. Sampel dipilih menggunakan metode convenience sampling berjumlah 100 responden. Teknik pengolahan data menggunakan pemodelan persamaan struktural yang dibantu oleh program SmartPLS.3.0. Hasil penelitian ini menunjukkan bahwa Tingkat Pendidikan, Pengalaman Keuangan, Sikap Keuangan, Pengetahuan Keuangan berpengaruh secara signifikan terhadap Perilaku Keuangan, sedangkan Lokus Kendali tidak berpengaruh signifikan terhadap Perilaku Keuangan.

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (01) ◽  
pp. 37
Author(s):  
Wahyudi Wahyudi ◽  
Brigitta Azalea Pulo Tukan ◽  
Dahlia Pinem
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Partial Least Square Analysis ◽  
Analysis Technique ◽  
Positive Effect ◽  
Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

scholarly journals Internet Addiction, Locus of Control and Resilience

2020 ◽  
Vol 19 (1) ◽  
pp. 27-45
Author(s):  
Juslin Jacob
Keyword(s):  
Locus Of Control ◽  
Gender Difference ◽  
Emerging Adults ◽  
Internet Addiction ◽  
Resilience Scale ◽  
Significant Difference ◽  
Research Findings ◽  
The Difference ◽  
One Way Anova ◽  
Different Levels

The study investigates the difference in the Locus of Control and Resilience with respect to different levels of Internet Addiction as well as their impact on Internet Addiction among emerging adults. It assesses Internet Addiction levels, investigates the association between Internet Addiction, Locus of Control and Resilience and analyses gender difference. Internet Addiction Test by Young, Locus of Control (LOC-Scale) Scale developed by Rotter (1966) and The Brief Resilience Scale were used. Pearson’s product-moment correlation analysis was used to evaluate the association between Internet Addiction, Locus of Control and Resilience. An independent t-test was used to test whether there is a statistical difference between gender and internet addiction at different levels. One-way ANOVA was used to investigate the gender difference in Internet Addiction, Locus of Control and Resilience respectively. The research findings show that there is a significant relationship between Internet Addiction, Locus of Control and Resilience as well as significant gender difference in Internet Addiction. A significant difference in Resilience among the different levels of Internet Addiction was also found in the study.

scholarly journals The role of locus of control and self-perception in the relationship between cyberbullying and depression, anxiety and stress in emerging adults

2019 ◽  
Vol 10 (1) ◽  
pp. 127-140
Author(s):  
Cătălina Maria Popoviciu
Keyword(s):  
Depressive Symptoms ◽  
Locus Of Control ◽  
Emerging Adults ◽  
The Self ◽  
Cyber Victimization ◽  
Self Perception ◽  
Stress Symptoms ◽  
Moderator Role ◽  
The Relationship

The present study aims at identifying the mediator role of the self-perception and the moderator role of locus of control in the relationship between cyberbullying and depression, anxiety, and stress symptoms. Seventy-two emerging adults between 20 to 25 years old were included in the study, filling in a series of measuring instruments for cyberbullying, self-perception, locus of control and depression, anxiety, and stress symptoms. The results were statistically significant in terms of the role of self-perception as mediator in the relationship between cyber-victimization and depressive symptoms. Moreover, statistical results show that the global self-worth dimension of the self-perception construct and the school competence dimension are also mediators of the relationship between cyber-victimization and depressive symptoms. An increased level of cyber-victimization causes a low level of self-perception, which will cause an increased level of depression, anxiety, and stress symptoms. As regards the moderator role of locus of control, the results were not statistically significant in the case of the sample included in the study, locus of control does not moderate the relationship between cyberbullying and depression, anxiety and stress symptoms.

scholarly journals The Lengthening Transition to Adulthood: Financial Parenting and Recentering during the College-to-Career Transition

2020 ◽  
Vol 41 (9) ◽  
pp. 1626-1648 ◽  
Author(s):  
Joyce Serido ◽  
Ashley B. LeBaron ◽  
Lijun Li ◽  
Emily Parrott ◽  
Soyeon Shim
Keyword(s):  
Emerging Adults ◽  
Transition To Adulthood ◽  
First Generation ◽  
The United States ◽  
Financial Behavior ◽  
Repeated Measure ◽  
Structural Factors ◽  
First Generation College Student ◽  
First Generation College ◽  
And Gender

Using longitudinal data collected from a college cohort in the United States ( N = 922), we examined the associations between systemic and structural factors (gender, race/ethnicity, family SES, and first-generation college status), financial parenting (teaching, and modeling behavior), and emerging adults’ financial behavior. We conducted a series of one-way repeated measure ANOVA analyses (GLM) to assess patterns of average change in financial parenting and financial behavior in the first year in college, fourth year in college, and two years after college and found evidence suggestive of recentering—a gradual transfer of responsibility during emerging adulthood from parent-directed behavior to self-directed behavior; however, the decline in financial parenting was not offset by an improvement in emerging adults’ financial behavior. Despite similar patterns of change, family socioeconomic status (SES), first-generation college student status, and gender influenced both financial parenting and financial behaviors at each time point. We discuss the findings and the implications on the timing and length of the recentering process.

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.

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