scholarly journals PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE DAN INTERNAL LOCUS OF CONTROL TERHADAP PERILAKU MANAJEMEN KEUANGAN

2021 ◽  
Vol 11 (1) ◽  
pp. 150-161
Author(s):  
Nurul Rohmah ◽  
Arik Susbiyani ◽  
Rendy Mirwan Aspirandy ◽  
Dwi Cahyono
Keyword(s):  
Locus Of Control ◽  
Financial Management ◽  
Sampling Method ◽  
Financial Knowledge ◽  
Test Results ◽  
Food Sector ◽  
Management Behavior ◽  
Internal Locus ◽  
Internal Locus Of Control ◽  
Control Factors

This study aims to determine whether the behavior of financial management on MSME actors can be measured or influenced by several factors that have been proposed in this study, namely financial knowledge, financial attitude and internal locus of control . The factors proposed are factors that may have an influence on financial management behavior on the object of research. The population in this study were MSMEs in the food sector in Genteng District, Banyuwangi Regency and the sample in this study amounted to 60 MSMEs in the food sector, Genteng District, Banyuwangi Regency which were taken through purposive sampling method .  Based on t test results, financial knowledge has no significant effect on the behavior of financial management in SMEs in the field of food District of tiles, Banyuwangi. The financial attitude and internal locus of control factors have a significant influence on the behavior of financial management on MSME actors in the food sector, Genteng District, Banyuwangi Regency.Keywords : Financial Knowledge, Financial Attitude, Internal locus of Control, Financial Management Behavior

scholarly journals Analysis of personal financial management behavior in higher education student

2018 ◽  
Vol 7 (1) ◽  
Author(s):  
Abel Tasman ◽  
Deny Ari Efendi ◽  
Erni Masdupi
Keyword(s):  
Locus Of Control ◽  
Undergraduate Students ◽  
Financial Management ◽  
Financial Knowledge ◽  
Equation Modeling ◽  
Education Student ◽  
Management Behavior ◽  
Parental Income ◽  
Internal Locus ◽  
Internal Locus Of Control

Personal financial management behavior is one of the interesting topics in financial management because in practice there are links with other science such as psychology and sociology. This research aimed to analyze the influence of (1) financial knowledge (2) internal locus of control and (3) parental income on personal financial management behavior. The population in this research are undergraduate students in the Faculty of Economics, Universitas Negeri Padang consists of 1,658 students. The samples were selected by using a clustered random sampling to get as much of the total samples of 100 students. The data of this research are primary and secondary data. The data were analyzed by Structural Equation Modeling (SEM) The results of this research show: (1) financial knowledge has a negative and no significant effect on personal financial management behavior of undergraduate students in the Faculty of Economics, Universitas Negeri Padang (2) internal locus of control has a positive and significant effect on personal financial management behavior of undergraduate students in the Faculty of Economics, Universitas Negeri Padang (3) parental income has a positive and no significant effect on personal financial management behavior of undergraduate students in the Faculty of Economics, Universitas Negeri Padang.Keywords: Behavior finance; financial knowledge; internal locus of control; parental income

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: 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.

scholarly journals Lokus Kendali Internal dan Kemampuan Interpersonal sebagai Prediktor Kesiapan Mengelola Bisnis

2020 ◽  
Vol 9 (2) ◽  
pp. 160-173
Author(s):  
Agung Minto Wahyu ◽  
Angga Yuni Mantara ◽  
Rakhmaditya Dewi Noorrizki
Keyword(s):  
Locus Of Control ◽  
Quantitative Methods ◽  
Sampling Method ◽  
Business Students ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Test Results ◽  
Internal Locus ◽  
Internal Locus Of Control ◽  
The Subject

Students' ability to operate their business will be determined by certain aspects. The aim of this study was to analyze the influence of internal locus of control (X1) and interpersonal ability (X2) on the readiness to manage business (Y). This research uses quantitative methods with linear regression analysis. Subjects were 141 business students. Sampling method that was used in this research was a purposive sampling technique using a Likert scale. Descriptive test results indicate that most students have internal locus of control, interpersonal skills, and readiness to manage businesses that are in the medium category. Partial test shows that X1 has a positive and significant effect on readiness to manage business Y. Variable X2 has a positive and significant effect on Y. Simultaneous results show that X1 and X2 have positive and significant effects on Y. In next research researchers are expected to be able to broaden the scope of the subject and explore further about the independent variables that have the ability to influence the readiness to manage the business. More detailed discussions and suggestions have been discussed in this study.

ANALISIS KOMPARASI PERILAKU ETIS MAHASISWA AKUNTANSI STIE SAKTI ALAM KERINCI DENGAN STIE SUMATERA BARAT DAN FAKTOR-FAKTOR YANG MEMPENGARUHINYA

2018 ◽  
Vol 3 (1) ◽  
pp. 91
Author(s):  
Elex Sarmigi
Keyword(s):  
Locus Of Control ◽  
Ethical Behavior ◽  
Female Students ◽  
Equity Sensitivity ◽  
Male Students ◽  
Accounting Students ◽  
External Locus ◽  
Internal Locus ◽  
Internal Locus Of Control ◽  
Control Factors

<p><em>This study aims to see the comparison of ethical behavior of accounting students of STIE Sakti Alam Kerinci with accounting students of STIE Sumatera Barat. This study will also look at the comparative ethical behavior between male students and female students as well as the ethical behavior of individuals who have internal locus of control factors with individuals who have external locus of control factors separately from each college. In addition, this study will also look at the effects of equity sensitivity (X<sub>1</sub>) and culture (X<sub>2</sub>)</em> <em>on the ethical behavior of accounting students. This study uses primary data collected by using questionnaires. The method of testing the comparative hypothesis in this study is T-test, then multiple linear regression is used to analyze the influence of equity sensitivity (X1) and culture (X2) on ethical behavior (Y).</em><em> </em><em>This study found that (1) the accounting students of STIE Sumatera Barat have more ethical behavior than accounting students of STIE Sakti Alam Kerinci, (2) there are no differences of ethical behavior among male students and female students of STIE Sakti Alam Kerinci as well as STIE Sumatera Barat, (3a) The accounting students of STIE Sakti Alam Kerinci have internal locus of control factors has more ethical behavior than accounting student have external locus of control factors, (3b) there is no difference of ethical behavior among accounting students of STIE Sumatera Barat based on locus of control factors, (4a) Equity sensitivity and culture affect the ethical behavior of accounting students of STIE Sakti Alam Kerinci, (4b) equity sensitivity affects the ethical behavior of accounting students of STIE Sumatera Barat, but culture does not affect the ethical behavior of accounting students of STIE Sumatera Barat.</em><em></em></p><p> </p><p>Penelitian ini bertujuan untuk melihat komparasi perilaku etis mahasiswa akuntansi STIE Sakti Alam Kerinci dengan mahasiswa akuntansi STIE Sumatera Barat. Penelitian ini melihat komparasi perilaku etis antara mahasiswa dengan mahasiswi akuntansi serta perilaku etis individu yang memiliki faktor internal <em>locus of control</em> dengan individu yang memiliki faktor eksternal <em>locus of control</em> secara terpisah dari masing-masing perguruan tinggi. Selain itu, penelitian ini juga melihat pengaruh dari <em>equity sensitivity</em> (X<sub>1</sub>) dan budaya (X<sub>2</sub>) terhadap perilaku etis mahasiswa akuntansi. Penelitian ini menggunakan data primer yang dikumpulkan dengan menggunakan kuesioner. Metode pengujian hipotesis komparatif dalam penelitian ini adalah T-<em>test</em>, kemudian regresi linear berganda digunakan untuk menganalisa pengaruh <em>equity sensitivity </em>(X<sub>1</sub>) dan budaya (X<sub>2</sub>) terhadap perilaku etis (Y). Penelitian ini menemukan bahwa (1) mahasiswa akuntansi STIE Sumatera Barat memiliki perilaku yang lebih etis dibandingkan mahasiswa akuntansi STIE Sakti Alam Kerinci, (2) tidak terdapat perbedaan perilaku etis antara mahasiswa dan mahasiswi akuntansi STIE Sakti Alam Kerinci maupun STIE Sumatera Barat, (3a) mahasiswa akuntansi STIE Sakti Alam Kerinci yang memiliki faktor  internal<em> locus of control </em>memiliki perilaku lebih etis dibandingkan mahasiswa akuntansi yang memiliki faktor eksternal<em> locus of control, </em>(3b) tidak terdapat perbedaan perilaku etis antara mahasiswa akuntansi STIE Sumatera Barat berdasarkan faktor<em> locus of control</em>, (4a) <em>equity sensitivity</em> dan budaya mempengaruhi perilaku etis mahasiswa akuntansi STIE Sakti Alam Kerinci, (4b) <em>equity sensitivity</em> mempengaruhi perilaku etis mahasiswa akuntansi STIE Sumatera Barat</p>

scholarly journals Motivasi Kerja, Internal Locus Of Control dan Kepuasan Kerja Pada Karyawan Bagian Marketing Dan Supporting di PT X Cabang Surabaya

2016 ◽  
Vol 4 (02) ◽  
Author(s):  
Weni Hastuti ◽  
M. Farid
Keyword(s):  
Job Satisfaction ◽  
Locus Of Control ◽  
Employee Satisfaction ◽  
Work Motivation ◽  
Study Data ◽  
Test Results ◽  
Internal Locus ◽  
Internal Locus Of Control ◽  
Regression Test ◽  
The Subject

Research that takes the subject 100 employees at PT. X in Surabaya branch fromand marketing supporting division to find the motivation to work and internal locus ofcontrol and job satisfaction in a correlational study. Data collected through questionnairesand analyzed by multiple regression test. The results show the value of F = 3.449; p =0.0036 (p <0.05), which means that work motivation and internal locus of controlcombination has a significant correlation with employees job satisfaction. It can besaid that the hypothesis that states motivation and internal locus of control on employeesat the marketing and supporting division have a relationship with employee satisfaction,that means it can be accepted. The value of R2 = 0.066 describe motivation and internallocus of control simultaneously have contributed effectively to job satisfaction up to 6.6%and that is a quite low in value. Partial test results of work motivation are t = 2.353; p= 0.021 (p <0.05), which means there is a significant positive correlation between workmotivation and job satisfaction, while the result of internal locus of control are = -0.572;p = 0.568 (p> 0.05), that means there is no correlation between the internal locus ofcontrol and job satisfaction.Keywords : Job satisfaction, work motivation, internal locus of control

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 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 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.

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