THE INFLUENCE OF FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, AND LOCUS OF CONTROL ON FINANCIAL MANAGEMENT BEHAVIOR  IN EMPLOYEE CLASS S1 STUDENTS IN MANAGEMENT STUDY PROGRAM FACULTY OF ECONOMICS AND  BUSINESS NATIONAL UNIVERSITY

Azizah Azizah; Kumba Digdowiseiso

Authors

Azizah Azizah National University
Kumba Digdowiseiso National University

Keywords:

Financial Management Behavior, Locus Of Control, Financial Knowledge, Financial Attitude

Abstract

The study aims to determine the effect of financial attitude, financial knowledge, and locus of control on financial management behavior in undergraduate students in the employee class of the Management Study Program, Faculty of Economics and Business, National University. The research uses primary data obtained from respondents through distributing questionnaires. The sample in this study was 100 respondents from 220 undergraduate students in the Employee Class of the Faculty of Economics and Business, National University. Descriptive analysis and multiple linear regression analysis are data analysis techniques used in this study using STATA version 17.0. Based on the research that has been done, it shows that the Financial Attitude variable has a positive but not significant effect on Financial Management Behavior, on the other hand Financial Knowledge and Locus Of Control have a positive and significant effect on Financial Management Behavior in S1 students in the Employee Class Management Study Program, Faculty of Economics and Business, National University.

Downloads

Download data is not yet available.

References

Aditya, D., & Azmansyah. (2021). Pengaruh Financial Knowledge, Financial Attitude, dan Income terhadap Financial Behavior pada Usaha Mikro kecil dan Menengah di Kecamatan Marpoyan Damai Pekanbaru. Jurnal Ekonomi KIAT, 32(2), 116. https://journal.uir.ac.id/index.php/kiat

Anggraini, V., Sriyunianti, F., & Yentifa, A. (2022). Pengaruh Financial Literacy, Financial Attitude Dan Locus of Control Terhadap Financial Management Behavior (Studi Kasus Pada Mahasiswa Bidikmisi Dan Non Bidikmisi Jurusan Akuntansi Politeknik Negeri Padang). Jurnal Akuntansi, Bisnis Dan Ekonomi Indonesia (JABEI), 1(1), 116–128. https://akuntansi.pnp.ac.id/jabei/index.php/jabei/article/view/21

Budiono, E. (2020). Analisis Financial Knowledge, Financial Attitude, Income, Locus of Control , Financial Management Behavior Masyarakat Kota Kediri. Jurnal Ilmu Manajemen, 8(1), 284–295.

Cahyaningrum, B., & Fikri, M. A. (2021). Peran Pemediasi Locus of Control Pada Pengaruh Financial Knowledge Dan Financial Attitude Terhadap Financial Management Behavior. Jurnal Ilmu Manajemen, 9(4), 1500–1515. https://doi.org/10.26740/jim.v9n4.p1500-1515

Ghozali, I. (2013). Aplikasi Analisis Multivariate dengan Program IBM SPSS 21 Update PLS Regresi. Universitas Diponegoro.

Ghozali, I. (2016). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 23. Badan Penerbit Universitas Diponegoro.

Hasanudin, Nurwulandari, A., & Safitri, R. K. (2021). Pengaruh Pengetahuan Investasi, Motivasi dan Pelatihan Pasar Modal Terhadap Keputusan Investasi yang Dimediasi oleh Minat Investasi (Studi. JIMEA | Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi), Vol. 5 No.(3), 494–512.

Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude,Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan| Journal of Theory and Applied Management, 9(3), 226–241. https://doi.org/10.20473/jmtt.v9i3.3077

Hikmah, & Rustam, T. A. (2020). Pengetahuan Investasi, Motivasi Investasi, Literasi Keuangan Dan Persepsi Resiko Pengaruhnya Terhadap Minat Investasi Pada Pasar Modal. Jurnal Manajemen Dan Keuangan, 8 (2).

Humaira, I., & Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku Umkm Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi Dan Manajemen, 7(1). https://doi.org/10.21831/nominal.v7i1.19363

Jurnal, J., & Mea, I. (2022). DAN PARENTAL INCOME TERHADAP FINANCIAL MANAGEMENT BEHAVIOR MAHASISWA DAERAH ISTIMEWA. 6(3), 905–914.

Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255

Kumba Digdowiseiso, S.E., M. A. E. (2017). Metode Penelitian Ekonomi dan Bisnis. In Universitas Pendidikan Indonesia (Vol. 1, Issue Metodologi Penelitian).

Nisa, F. K., & Haryono, N. A. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financial Self Efficacy, Income, Locus of Control, dan Lifestyle terhadap Financial Management Behavior Generasi Z di Kota Surabaya. Jurnal Ilmu Manajemen, 10(1), 82–97. https://doi.org/10.26740/jim.v10n1.p82-97

OJK. (2019). Survei Nasional Literasi dan Inklusi Keuangan. Otoritas Jasa Keuangan.

Pusparani, A., & Krisnawati, A. (2019). Analisis Pengaruh Financial Literacy Dan Financial Attitude Terhadap Financial Behavior Pada Siswa Sekolah Menengah Pertama Di Kota Bandung. Jurnal Mitra Manajemen, 3(1), 72–83. https://doi.org/10.52160/ejmm.v3i1.181

Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control Dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3), 93–103.

Sandi, K., Worokinasih, S., & Darmawan, A. (2020). Pengaruh Financial Knowledge dan Financial Attitude Terhadap Financial Behavior Pada Youth Entrepreneur Kota Malang. Jurnal Administrasi Bisnis, Ekosistem Strat p, 140.

Sugiyono. (2018). Bab III - Metode Penelitian Metode Penelitian. Metode Penelitian, 32–41.

Sugiyono. (2011). Metode penelitian kuantitatif kualitatif dan R&D. Alfabeta.

Tangngisalu, J. (2020). Pengaruh Financial Attitude Dan Financial Knowledge Terhadap Financial Management Behavior Pada Mahasiswa Berinvestasi. Business UHO: Jurnal Administrasi Bisnis, 5(1), 13. https://doi.org/10.52423/bujab.v5i1.12404