Financial Attitude and Financial Knowledge toward Behavior Financial Management through Internal Locus of Control on Pelita Bangsa University Student
Keywords:
Financial Attitude, Financial Knowledge, Internal Locus of Control, Financial Management Behavior.
Abstract
Financial management practices for young people and students get serious attention from various organizations such as government, financial institutions, universities, etc. Young people are growing up amid a debt culture facilitated by expensive lifestyles and easy credit creation and use. Young people often begin to enter the world of college without having responsibility for their sources and financial management. This study determines the effect of Financial Knowledge, Financial Attitude on Financial Management Behavior with Internal Locus of Control as an intervening variable in Pelita Bangsa University Academic Year 2019-2020. This study uses a descriptive analysis approach using questionnaire data. Sampling by disproportionate stratified random sampling and snowball sampling subsequently resulted in a sample of 315 respondents from undergraduate students at Pelita Bangsa University. This research uses the SEM analysis technique with the PLS method and hypothesis testing by calculating bootstrapping on Structural Equation Modeling (SEM). Financial attitude and financial knowledge through the locus of control significantly impact Pelita Bangsa University students' financial management behavior.
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Terri G. Seuntjens, Niels Van De Ven, Marcel Zeelenberg and Anna Van der Schors.
2016. ‘Greed and Adolescent Financial Behavior’. Journal of Economic Psycology
57 (2016), Page 1-12
Thi H. Pham, Keong Yap and Nicki A. Dowling. 2011. ‘The Impact of Financial
Management Practices and Financial Attitudes on The Relationship Between
Materialism and Compulsive Buying’. Journal of Economic Psycology 33 (2012),
Page 461-470.
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Diakses tanggal 14 Juni 2020.
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Publishing Switzerland.
Zahroh, Fatimus. 2014. “Menguji Tingkat Pengetahuan Keuangan, Sikap Keungan, dan
Perilaku Keuangan Pribadi Mahasiswa Jurusan Manajemen FEB Semester 3 dan
7”. Skripsi. UNDIP
Andrew, Vincentius dan Linawati, Nanik. 2014. “Hubungan Faktor Demografi dan
Pengetahuan Keuangan Dengan Perilaku Keuangan Karyawan di Surabaya”.
Finesta Vol 2 No 2.
Aprilia, Zenika. 2015. “Pengaruh Locus of Control, Financial Knowledge dan Personal Income terhadap Financial Management Behavior pada karyawan KPP PratamaBlitar”. Skripsi. Universitas Negri Malang.
Aydemir, Sibel Dinc, Aren, Selim. (2017). Do The Effects of Individual Factors on
Financial Risk-Taking Behavior Diversify with Financial Literacy? Emerald
Publishing Limited, 1-30
Dusanee Kasavayuth, Kaung Myat Ko and Vasileios Zikos. 2017. ‘Locus of Control and
Financial Risk Attitude’. Economic Modelling,1-10
Ersha Amanah, Dadan Rahardian dan Aldila Iradianti. 2015. ‘Pengaruh Financial
Knowledge, Financial Attitude dan External Locus of Control terhadap Personal
Financial Management Behavior pada Mahasiswa S1 Universitas Telkom’. E. Proceding of Management: Vol. 3, No.2, Agustus 2016, Page 1228-1235.
Garman, E. Thomas dan Raymond E. Forgue. 2008. ‘Personal Finance’. New York: Houghton Mifflin Company.
Gautama, Budhi P., Deyola, Yogha. (2014). Pengaruh Pengetahuan Keuangan dan
Sikap Keuangan Terhadap Keputusan Menabung Pada Produk Tabungan di
Perbankan. Jurnal Keuangan dan Bisnis, 12 (2), 114-141.
Ghozali, Imam. (2014). Structural Equation Modeling. Metode Alternatif dengan Partial
Least Square (PLS) Edisi 4. Semarang: Badan Penerbit Universitas Diponegoro. Giovani Margarido Righetto, Reinaldo Morabito and Douglas Alem. 2016. ‘A Robust
Optimization Appraoch for Cash Flow Management in Stationary Companies’.
Journal of Computer & Industrial Engineering, Volume 99, September 2016, Pages
137-152.
Gujarati, Damodar N. 2003. Basic Econometrics Fourth Edition. Mc Graw Hill.
New York.
Hair, J. F., Ringle, C. M., & Sarstedt, M. 2010. PLS-SEM: Indeed, a Silver Bullet.
Journal of Marketing Theory & Practive,
Hesti Setyorini Pamungkas dan Abriyani Puspaningsih. 2012. ‘Pengaruh Keputusan Investasi, Keputusan Pendanaan, Kebijakan Deviden dan Ukuran Perusahaan terhadap Nilai Perusahaan’. Indonesian Journal of Accounting and Auditing 17 (2),
156-165, 2013.
Hilgert, Marianne A., JeanneM. Hogarth, dan Sondra Beverly. 2003. ‘Household Financial
Management: The Connection between Knowledge and Behavior’. Federal
Reserve Bulletin, 89 (7), hlm. 309–322.
Humaira, Iklima., & Sagoro, E. M. 2017. Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku Umkm Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Jurnal Riset Akuntansi dan Manajemen. Diakses Tanggal 14 Desember 2018 Pukul
21:59.
Ida dan Chintia Yohana Dwinta, 2010, ‘Pengaruh Locus of Control, Financial Knowledge, dan Income terhadap Financial Management Behavior’, Jurnal Bisnis dan Akuntansi, Vol. 12, No. 3: 131 – 144.
Iklima Humaira dan Endra Mukti Sagoro. 2018. “Pengaruh Pengetahuan Keuangan, Sikap Keuangan dan Kepribadian terhadap Perilaku Manajemen Keuangan pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul”. Junal Nominal Volume
7. No.1, 2018.
Irene Hedjiono dan Lady Angela Damanik. ‘Pengaruh Financial Attitude, Financial
Knowledge, Parental Income Terhadap Financial Management Behavior’. Jurnal
Manajemen Teori dan Terapan/ Journal of Theory and Applied Management 9 (3),
2016.
Kurniawati, I. D. 2017. Pengaruh Sikap Terhadap Uang Dan Pengetahuan Keuangan
Dengan Mediasi Locus of Control Terhadap Perilaku Pengelolaan Keuangan
Keluarga (Doctoral dissertation, Stie Perbanas Surabaya).
Mien, Nguyen Thi Ngoc dan Thao, Tran Phuong. 2015. Factors Affecting Personal
Financial Management Behaviors: Evidence from Vietnam. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15 Vietnam Conference) ISBN: 978-163415-833-6. 10-12 July,
2015.Danang-Vietnam.
Naila Al Kholilah dan Rr Iramani. 2012. ‘Studi Financial Management Behavior pada
Masyarakat Surabaya’. Journal of Business and Banking Volume 3, No.1, May
2013, Page 69-80.
Najmatul Laily. 2013. ‘Pengaruh Literasi Keuangan terhadap Prilaku Mahasiswa dalam
Mengelola Keuangan’. Journal of Accounting and Business Education 1 (4), 2016
Ning Tang dan Andrew Baker. 2016. ‘Self-esteem, financial knowledge and financial behavior’. Journal of Economic Psychology (54), 164 – 176
Otoritas Jasa Keuangan. (2016). Siaran Pers: OJK Luncurkan Buku Literasi Keuangan
Tingkat Perguruan Tinggi. (Online). (http://www.ojk.go.id, diakses pada 16
September 2017).
Periantalo, J. (2015). Validitas alat ukur psikologi: Applikasi Praktis. Yogykarta: Pustaka
Pelajar.
Periantalo, J., Fadzlul & Saputra, N. E. (2014). Konstruksi skala sikap terhadap pelajaran
Matematika dan Sains. Jurnal Edu Sains Universitas Jambi 3 (2), 36-45. Purwidianti, W., & Mudjiyanti, R. 2016. Analisis Pengaruh Pengalaman Keuangan Dan
Tingkat Pendapatan Terhadap Perilaku Keuangan Keluarga Di Kecamatan
Purwokerto Timur. Benefit: Jurnal Manajemen dan Bisnis, 1(2), 141-148. Yulianti, Norma dan Silvy Meliza. 2013. Sikap Pengelola Keuangan Dan Perilaku Perencanaan Investasi Keluarga Di Surabaya. Journal of Business and Banking Vol. 3 No 1, Mei.
Robbins, Stephen P, dan Timothy a Judge, 2008, ‘Perilaku Organisasi’. Edisi 12 Jilid 1, Jakarta: Salemba Empat.
Rotter, Julian B. 1966. ‘Generalized Expectancies for Internal versus External Control of
Reinforcement’. Psychological Monographs, 80, 1.
Sana Iqbal, Ahmad Nawaz dan Sadaf Ehsan. 2019. ‘Financial Performance and
Corporate Governance in Microfinance: Evidence from Asia’. Journal of Asian
Economic volume 60
Sina, Peter Garlans (2014). Tipe Kepribadian dalam Personal Finance. Jurnal JIBEKA Vol.8 No.1 Hlm. 54-59.
Soya Sobaya. M. Fajar Hidiyanto dan junaidi Safitri. ‘Pengaruh Literasi Keuangan dan
Lingkungan Sosial Terhadap Perencanaan Keuangan di Universitas Islam
Indonesia Yogyakarta’. Jurnal Kajian Keislaman 20 (1), Halaman 115- 128, 2016. Sugiyono. 2013. Metode Penelitian Bisnis. CET. XVIL. Bandung: Alfabeta Bandung
Sugiyono. 2017. Metode penelitian pendidikan pendekatan kuantitatif, kualitatif dan R&D.
Bandung. Alfabeta
Takuma Kuneida, Kazuo Nishimura and Akishisa Shibata. 2018. ‘Specialization, Financial Constrain and Income Distribution’. International Review of Economic and Finance, Volume 56, July 2018, Pages 3-14.
Terri G. Seuntjens, Niels Van De Ven, Marcel Zeelenberg and Anna Van der Schors.
2016. ‘Greed and Adolescent Financial Behavior’. Journal of Economic Psycology
57 (2016), Page 1-12
Thi H. Pham, Keong Yap and Nicki A. Dowling. 2011. ‘The Impact of Financial
Management Practices and Financial Attitudes on The Relationship Between
Materialism and Compulsive Buying’. Journal of Economic Psycology 33 (2012),
Page 461-470.
Walizer & Wienir. 2015. 10 Definisi Dan Pengertian Operasional. http://www.gurupendidikan.com/10-definisi-dan-pengertian-operasional/.
Diakses tanggal 14 Juni 2020.
Xiao, J. J. 2016. Handbook of Consumer Finance Research. USA: Springer International
Publishing Switzerland.
Zahroh, Fatimus. 2014. “Menguji Tingkat Pengetahuan Keuangan, Sikap Keungan, dan
Perilaku Keuangan Pribadi Mahasiswa Jurusan Manajemen FEB Semester 3 dan
7”. Skripsi. UNDIP
Published
2021-01-30
