Pengaruh pengetahuan keuangan dan sosialisasi keuangan keluarga terhadap perilaku pengelolaan keuangan dimoderasi toleransi risiko keuangan.
Keywords:
financial knowledge, family financial socialization, financial management behavior, financial risk tolerance
Abstract
The topic is related to factors that can contribute to the financial management behavior and has not been extensively researched by previous researchers. This study aimed to examine the influence of financial knowledge and family financial socialization on the financial management behavior with financial risk tolerance as a moderating variable. This research approach employed is quantitative with a survey method. The sample consists of 269 active Diploma and Bachelor's degree students at Universitas Sebelas Maret was taken using proportionate stratified random sampling. Data was collected through an online questionnaires with a Likert scale of 1-5. Data analysis was conducted using moderated regression analysis with SmartPLS software. The research results show that financial knowledge and family financial socialization influence financial management behavior. Additionally, financial risk tolerance has also been proven to moderate the relationship between financial knowledge and family financial socialization on financial management behavior. This research is useful for educational institutions, parents, and stakeholders interested in promoting the financial management behavior of students
References
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Latan, H., & Ghozali, I. (2012). Partial Least Squares Konsep, Teknik Dan Aplikasi Menggunakan Program SmartPLS 2.0 M3. Semarang: Badan Penerbit Universitas Diponegoro.
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Rachmawati, N., & Nuryana, I. (2020). Peran literasi keuangan dalam memediasi pengaruh sikap keuangan dan teman sebaya terhadap perilaku pengelolaan keuangan. Economic Education Analysis Journal, 9(1), 166–181. https://doi.org/10.15294/eeaj.v9i1.37246
Rahman, M., Albaity, M., & Isa, C. R. (2020). Behavioural propensities and financial risk tolerance: the moderating effect of ethnicity. International Journal of Emerging Markets, 15(4), 728–745. https://doi.org/10.1108/IJOEM-01-2018-0024
Ruwanda, N. N., & Lutfi. (2020). The effect of financial attitude, risk tolerance, and a financial experience of family financial management behavior.
Sampoerno, A. E., & Asandimitra, N. (2021). Pengaruh financial literacy, income, hedonism lifestyle, self-control, dan risk tolerance terhadap financial management behavior pada generasi milenial. Jurnal Ilmu Manajemen, 9(3), 1002-1014. https://doi.org/10.26740/jim.v9n3.p1002-1014
Tang, N., Baker, A., & Peter, P. C. (2015). Investigating the disconnect between financial knowledge and behavior: the role of parental influence and psychological characteristics in responsible financial behaviors among young adults. Journal of Consumer Affairs, 49(2), 376–406. https://doi.org/10.1111/joca.12069
Taqwa, Y. S. S., & Mukhlis, I. (2022). Faktor yang mempengaruhi perilaku konsumtif pada generasi Z. E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 11(07), 831-840. https://ojs.unud.ac.id/index.php/EEB/
Wulandari & Hakim, L. (2016). Pengaruh love of money, pendidikan keuangan di keluarga, hasil belajar manajemen keuangan, dan teman sebaya terhadap manajemen keuangan pribadi mahasiswa. Jurnal Pendidikan Akuntansi, 3(3), 1-6.
Xiao, J. J., & Dew, J. (2011). The financial management behavior scale: development and validation. Journal of Financial Counseling and Planning, 22(1), 43-59.
Yulianti, N., & Silvy, M. (2013). Sikap pengelola keuangan dan perilaku perencanaan investasi keluarga di Surabaya. Journal of Business and Banking, 3(1), 57-68. http://dx.doi.org/10.14414/jbb.v3i1.254
Zhao, H., & Zhang, L. (2020). Talking money at home: the value of family financial socialization. International Journal of Bank Marketing, 38(7), 1617–1634. https://doi.org/10.1108/IJBM-04-2020-0174
Zuniarti, M., & Rochmawati. (2021). Pengaruh pembelajaran akuntansi keuangan, pendidikan keuangan keluarga, kontrol diri terhadap manajemen keuangan mahasiswa dengan literasi keuangan sebagai moderating. AKUNTABEL, 18(3), 479-489. http://journal.feb.unmul.ac.id/index.php/AKUNTABEL
Asih, S. W., & Khafid, M. (2020). Pengaruh financial knowledge, financial attitude dan income terhadap personal financial management behavior melalui locus of control sebagai variabel intervening. Economic Education Analysis Journal, 9(3), 748–767. https://doi.org/10.15294/eeaj.v9i1.42349
Bandura, A. (1999). Social cognitive theory: An agentic perspective. Asian Journal of Social Psychology, 2(1), 21-41. https://doi.org/10.1111/1467-839X.00024
Bapat, D. (2020). Antecedents to responsible financial management behavior among young adults: moderating role of financial risk tolerance. International Journal of Bank Marketing, 38(5), 1177–1194. https://doi.org/10.1108/IJBM-10-2019-0356
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/S1057-0810(99)80006-7
Fajrina, Z., Loan, F. M., & Purba, Y. E. (2022). Studi pengelolaan keuangan individu yang dimoderasi oleh toleransi risiko keuangan pada karyawan di Jabodetabek. Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi, 9(2), 574-592. https://doi.org/10.35794/jmbi.v9i2.43271
Fan, L., & Chatterjee, S. (2019). Financial socialization, financial education, and student loan debt. Journal of Family and Economic Issues, 40(1), 74–85. https://doi.org/10.1007/s10834-018-9589-0
Ghozali, I. (2016). Aplikasi Analisis Multivariete Dengan Program IBM SPSS 23 (8th ed.). Semarang: Badan Penerbit Universitas Diponegoro.
Grable, J. E. (2000). Financial risk tolerance and additional factors that affect risk taking in everyday money matters. Journal Of Business And Psychology, 14(4), 625-630.
Kementrian Komunikasi dan Informatika. (2019). Perkembangan Ekonomi Digital di Indonesia: Strategi dan Sektor Potensial. Jakarta: Pusat Penelitian dan Pengembangan Aplikasi Informatika dan Informasi dan Komunikasi Publik Badan Penelitian dan Pengembangan SDM Kementrian Komunikasi dan Informatika.
Khairani, F., & Alfarisi, M. F. (2019). Analisis pengaruh financial attitude, financial knowledge, pendidikan orang tua, dan parental income terhadap financial management behavior pada mahasiswa S1 Universitas Andalas Padang. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 4(1), 172-183.
Komarudin, M. S., Nugraha, Hardjadi, D., & Pasha, R. A. (2020). Pengaruh literasi keuangan dan pengendalian diri terhadap perilaku pengelolaan keuangan (survei pada tenaga pendidik SD Se-Kecamatan Kuningan). Jurnal Keuangan dan Bisnis, 18(1), 159-178.
Koonce, J. C., Mimura, Y., Mauldin, T. A., Rupured, A. M., & Jordan, J. (2008). Financial information: is it related to saving and investing knowledge and financial behavior of teenagers?. Journal of Financial Counselling And Planning, 19(2), 19-28.
Latan, H., & Ghozali, I. (2012). Partial Least Squares Konsep, Teknik Dan Aplikasi Menggunakan Program SmartPLS 2.0 M3. Semarang: Badan Penerbit Universitas Diponegoro.
Lučić, A., Uzelac, M., & Previšić, A. (2021). The power of materialism among young adults: exploring the effects of values on impulsiveness and responsible financial behavior. Young Consumers, 22(2), 254–271. https://doi.org/10.1108/YC-09-2020-1213
Mien, N. T. N., & Thao, T. P. (2015). Factors affecting personal financial management behaviors: evidence from Vietnam. Proceeding of The Second Asia-Pacific Conference on Global Business, Economics, Finance, and Social Sciences. hlm 1-16. Danang: AP15 Vietnam Conference.
Perry, V. G., & Morris, M. D. (2005). Who is in control? the role of self-perception, knowledge, and income in explaining consumer financial behavior. The Journal of Consumer Affairs, 39(2), 299-313. https://doi.org/10.1111/j.1745-6606.2005.00016.x
Puspasari, V. (2022). Hubungan Pengetahuan Keuangan dan Pendapatan dengan Perilaku Pengelolaan Keuangan Mahasiswa Program Studi Pendidikan Akuntansi Universitas Sebelas Maret Surakarta [Skripsi]. FKIP Universitas Sebelas Maret.
Rachmawati, N., & Nuryana, I. (2020). Peran literasi keuangan dalam memediasi pengaruh sikap keuangan dan teman sebaya terhadap perilaku pengelolaan keuangan. Economic Education Analysis Journal, 9(1), 166–181. https://doi.org/10.15294/eeaj.v9i1.37246
Rahman, M., Albaity, M., & Isa, C. R. (2020). Behavioural propensities and financial risk tolerance: the moderating effect of ethnicity. International Journal of Emerging Markets, 15(4), 728–745. https://doi.org/10.1108/IJOEM-01-2018-0024
Ruwanda, N. N., & Lutfi. (2020). The effect of financial attitude, risk tolerance, and a financial experience of family financial management behavior.
Sampoerno, A. E., & Asandimitra, N. (2021). Pengaruh financial literacy, income, hedonism lifestyle, self-control, dan risk tolerance terhadap financial management behavior pada generasi milenial. Jurnal Ilmu Manajemen, 9(3), 1002-1014. https://doi.org/10.26740/jim.v9n3.p1002-1014
Tang, N., Baker, A., & Peter, P. C. (2015). Investigating the disconnect between financial knowledge and behavior: the role of parental influence and psychological characteristics in responsible financial behaviors among young adults. Journal of Consumer Affairs, 49(2), 376–406. https://doi.org/10.1111/joca.12069
Taqwa, Y. S. S., & Mukhlis, I. (2022). Faktor yang mempengaruhi perilaku konsumtif pada generasi Z. E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 11(07), 831-840. https://ojs.unud.ac.id/index.php/EEB/
Wulandari & Hakim, L. (2016). Pengaruh love of money, pendidikan keuangan di keluarga, hasil belajar manajemen keuangan, dan teman sebaya terhadap manajemen keuangan pribadi mahasiswa. Jurnal Pendidikan Akuntansi, 3(3), 1-6.
Xiao, J. J., & Dew, J. (2011). The financial management behavior scale: development and validation. Journal of Financial Counseling and Planning, 22(1), 43-59.
Yulianti, N., & Silvy, M. (2013). Sikap pengelola keuangan dan perilaku perencanaan investasi keluarga di Surabaya. Journal of Business and Banking, 3(1), 57-68. http://dx.doi.org/10.14414/jbb.v3i1.254
Zhao, H., & Zhang, L. (2020). Talking money at home: the value of family financial socialization. International Journal of Bank Marketing, 38(7), 1617–1634. https://doi.org/10.1108/IJBM-04-2020-0174
Zuniarti, M., & Rochmawati. (2021). Pengaruh pembelajaran akuntansi keuangan, pendidikan keuangan keluarga, kontrol diri terhadap manajemen keuangan mahasiswa dengan literasi keuangan sebagai moderating. AKUNTABEL, 18(3), 479-489. http://journal.feb.unmul.ac.id/index.php/AKUNTABEL
Published
2024-05-01
How to Cite
Nabilah, N. N., Wardani, D., & Sabandi, M. (2024). Pengaruh pengetahuan keuangan dan sosialisasi keuangan keluarga terhadap perilaku pengelolaan keuangan dimoderasi toleransi risiko keuangan. Jurnal Pendidikan Ekonomi (JUPE), 12(2), 218-227. https://doi.org/10.26740/jupe.v12n2.p218-227
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Copyright (c) 2024 Nida Nur Nabilah, Dewi Kusuma Wardani, Muhammad Sabandi (Author)
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