FAKTOR-FAKTOR YANG MEMENGARUHI FINANCIAL MANAGEMENT BEHAVIOR PADA KELUARGA TKI DI KABUPATEN PONOROGO

Abstract

The pattern of the use of remittances which is more dominant in consumptive spending indicates that the families of TKI haven’t been able to manage finances properly and correctly. Therefore, the financial management of family migrant workers is an interesting problem to study using various scientific perspectives. This study aims to analyze the effect of financial attitude, financial knowledge, financial self-efficacy, locus of control, personality traits, and spiritual intelligence on financial management behavior of TKI families in Ponorogo Regency.The sampling technique used purposive sampling method with a sample size of 220 respondents. The object of this research is the Ponorogo community who are at least 18 years old and receive remittances from their families who work abroad. Data was collected using a research questionnaire, then analyzed by multiple linear regression analysis using IBM SPSS 23.The results showed financial attitude, financial knowledge, financial self-efficacy, locus of control, personality traits and spiritual intelligence variables simultaneously influenced the financial management behavior of TKI families in Ponorogo Regency. Partially, financial attitude doesn’t affect the financial management behavior. Financial knowledge variables have an influence on the financial management behavior of TKI families in Ponorogo district. The better financial knowledge of a person, the more effective the behavior of managing finances. Financial self-efficacy don’t affect the financial management behavior. Locus of control,personality traits and spiritual intelligence has no influence on the financial management behavior.Keywords: financial knowledge; financial management behavior; personality traits; spiritual intelligence.