Pengaruh Money Attitude, Financial Knowledge Dan Financial Self Efficacy, Terhadap Financial Management Behavior Mahasiswa S-1 Universitas Sebelas Maret
Keywords:
Money attitude, Financial knowledge, Financial management behavior.
Abstract
This study aimed to examine the effect of money attitude, financial knowledge, and financial self-efficacy on financial management behavior of undergraduate students of Sebelas Maret University. This research was a quantitative descriptive study with 395 respondents as research subjects. They were undergraduate students of Sebelas Maret University. The sampling technique was carried out using a probability sampling technique with a proportionate stratified random sampling. Data was collected through a questionnaire distributed via the Google form link. The data validity test employed the CFA technique. The data analysis used multiple regression analysis. The results obtained were as follows. First, money attitude had a positive and significant effect on the financial management behavior of undergraduate students. Second, financial knowledge had a positive and significant effect on the financial management behavior of undergraduate students.Third, financial Self Efficacy had a positive and significant effect on the financial management behavior of undergraduate student.
References
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Dwinta, I. dan C. Y. (2010). Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Grable, J. E., Archuleta, K. L., Ford, M. R., Kruger, M., Gale, J., & Goetz, J. (2020). The Moderating Effect of Generalized Anxiety and Financial Knowledge on Financial Management Behavior. Contemporary Family Therapy, 42(1), 15–24. https://doi.org/10.1007/s10591-019-09520-x
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Potrich, A. C. G., Vieira, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. Management Research Review, 39(3), 356–376. https://doi.org/10.1108/MRR-06-2014-0143
Rizkiawati, N. L., & Asandimitra, N. (2018). The Influence of Demography, Financial Knowledge, Financial Attitude, Locus of Control and Financial Self-Efficacy on the Financial Management Behavior of the Surabaya Community. Jurnal Ilmu Manajemen (JIM), 6(3), 2. https://jurnalmahasiswa.unesa.ac.id/index.php/jim/article/view/23846/21793
Shim, S., Xiao, J. J., Barber, B. L., & Lyons, A. C. (2009). Pathways to life success: A conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology, 30(6), 708–723. https://doi.org/10.1016/j.appdev.2009.02.003
Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35(4), 969–980. https://doi.org/10.1016/j.adolescence.2012.02.002
Suparti, Juliardi, D., Praherdhiono, H., & Rafsanjani, M. A. (2018). Mitigating Consumptive Behavior By Enhancing Student’s Financial Literacy: Experiments Using Video Learning The First International Research Conference on Economics and Business, Atria Hotel, Malang, Indonesia. https://www.knepublishing.com/index.php/Kne-Social/article/view/1901/4531
Susilowati, N., Latifah, L., & J. (2017). College student financial behavior: An empirical study on the mediating effect of attitude toward money. Advanced Science Letters, 23(8), 7468–7472.
Tang, N., & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior. Journal of Economic Psychology, 54(April), 164–176. https://doi.org/10.1016/j.joep.2016.04.005
Tang, T. L. P. (1995). The development of a short Money Ethic Scale: Attitudes toward money and pay satisfaction revisited. Personality and Individual Differences, 19(6), 809–816. https://doi.org/10.1016/S0191-8869(95)00133-6
Xiao, J. J., & Dew, J. (2011). The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–59. http://afcpe.org/journal-articles.php?volume=387&article=403
Castro-González, S., Fernández-López, S., Rey-Ares, L., & Rodeiro-Pazos, D. (2020). The Influence of Attitude to Money on Individuals’ Financial Well-Being. Social Indicators Research, 148(3), 747–764. https://doi.org/10.1007/s11205-019-02219-4
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.
Chuah, S. C., Kamaruddin, J. N., & Singh, J. S. K. (2020). Factors Affecting Financial Management Behaviour among University Students. Malaysian Journal Of Consumer And Family Economics Vol 25.
Dwinta, I. dan C. Y. (2010). Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Grable, J. E., Archuleta, K. L., Ford, M. R., Kruger, M., Gale, J., & Goetz, J. (2020). The Moderating Effect of Generalized Anxiety and Financial Knowledge on Financial Management Behavior. Contemporary Family Therapy, 42(1), 15–24. https://doi.org/10.1007/s10591-019-09520-x
Herawati, N. T., Candiasa, I. M., Yadnyana, I. K., & Suharsono, N. (2018). Factors That Influence Financial Behavior Among Accounting Students in Bali. International Journal o
Hilgert, M. A. (2003). Household Financial ManagementL The Connection between Knowledge and Behavior. Federal Reserve Bulletion, 309–322.
Layli, N. (2013). Pengaruh Literasi Keuangan Terhaddap Perilaku Mahasiswa dalam Mengelola Keuangan. Jurnal Akuntansi Dan Pendidikan Bisnis, 277-285.
Loix, E., Pepermans, R., Mentens, C., Goedee, M., & Jegers, M. (2005). Orientation Toward Finances: Development of a Measurement Scale. Journal of Behavioral Finance, 6(4), 192–201. https://doi.org/10.1207/s15427579jpfm0604_3
OECD. (2016). International Survey of Adult Financial Literacy Competencies. Oecd, 1–100. www.oecd.org/finance/OECD-INFE-International-Survey-of-Adult-Financial-Literacy-Competencies.pdf%0
OJK. (2019). Survei Nasional Literasi dan Inklusi Keuangan 2019. Otoritas Jasa Keuangan.https://www.ojk.go.id/id/berita dankegiatan/publikasi/Pages/Survei-Nasional-Literasi dan-Inklusi Keuangan2019.aspx#:~:text=Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) ketiga yang dilakukan inklusi keuangan 76%2C19%25)
Perry, V. G. (2008). Is ignorance bliss? Consumer accuracy in judgments about credit ratings. Journal of Consumer Affairs, 42(2), 189–205. https://doi.org/10.1111/j.1745-6606.2008.00104.x
Potrich, A. C. G., Vieira, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. Management Research Review, 39(3), 356–376. https://doi.org/10.1108/MRR-06-2014-0143
Rizkiawati, N. L., & Asandimitra, N. (2018). The Influence of Demography, Financial Knowledge, Financial Attitude, Locus of Control and Financial Self-Efficacy on the Financial Management Behavior of the Surabaya Community. Jurnal Ilmu Manajemen (JIM), 6(3), 2. https://jurnalmahasiswa.unesa.ac.id/index.php/jim/article/view/23846/21793
Shim, S., Xiao, J. J., Barber, B. L., & Lyons, A. C. (2009). Pathways to life success: A conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology, 30(6), 708–723. https://doi.org/10.1016/j.appdev.2009.02.003
Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35(4), 969–980. https://doi.org/10.1016/j.adolescence.2012.02.002
Suparti, Juliardi, D., Praherdhiono, H., & Rafsanjani, M. A. (2018). Mitigating Consumptive Behavior By Enhancing Student’s Financial Literacy: Experiments Using Video Learning The First International Research Conference on Economics and Business, Atria Hotel, Malang, Indonesia. https://www.knepublishing.com/index.php/Kne-Social/article/view/1901/4531
Susilowati, N., Latifah, L., & J. (2017). College student financial behavior: An empirical study on the mediating effect of attitude toward money. Advanced Science Letters, 23(8), 7468–7472.
Tang, N., & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior. Journal of Economic Psychology, 54(April), 164–176. https://doi.org/10.1016/j.joep.2016.04.005
Tang, T. L. P. (1995). The development of a short Money Ethic Scale: Attitudes toward money and pay satisfaction revisited. Personality and Individual Differences, 19(6), 809–816. https://doi.org/10.1016/S0191-8869(95)00133-6
Xiao, J. J., & Dew, J. (2011). The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–59. http://afcpe.org/journal-articles.php?volume=387&article=403
Published
2023-05-02
How to Cite
Rahayu, I., Hindrayani, A., & Totalia, S. (2023). Pengaruh Money Attitude, Financial Knowledge Dan Financial Self Efficacy, Terhadap Financial Management Behavior Mahasiswa S-1 Universitas Sebelas Maret. Jurnal Pendidikan Ekonomi (JUPE), 11(2), 193-201. https://doi.org/10.26740/jupe.v11n2.p193-201
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Copyright (c) 2023 Ilmi Ghaniya Rahayu, Aniek Hindrayani, Salman Alfarisy Totalia (Author)
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