Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Keuangan Pada Mahasiswa Universitas Sebelas Maret dengan Gender Sebagai Variabel Moderasi
Keywords:
financial literacy, financial attitude, financial behavior, gender
Abstract
This study aims to determine the effect of financial literacy on financial behavior with gender as a moderation variable. The sampling technique uses non-probability sampling techniques, namely purposive sampling with a sample of 364 UNS students consisting of the Faculty of Economics and Business (Development Economics, Accounting, Management) and the Faculty of Teacher Training and Education (Economic Education, Accounting, Office Administration). Test validity using product moment and reliability test using Cronbach's alpha. Data collection using questionnaires with Likert scale which is further converted to dummy variables and the data analysis used is binary logistic analysis. The results of this study obtained that: 1) Financial literacy has a positive and significant effect on financial behavior in UNS students; 2) Financial attitudes have a positive and significant effect on financial behavior in UNS students; 3) Male gender strengthens the relationship between the influence of financial literacy and financial attitudes on financial behavior in UNS students; 4) Women's gender strengthens the relationship between the influence of financial literacy and financial attitudes on financial behavior in UNS students
References
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Chen, H., & Volpe, R. P. (2002). Gender differences in personal financial literacy among college students. Financial Services Review, 11(3), 289–307.
Chinen, K., & Endo, H. (2012). Effects of attitude and background on students’ personal financial ability: A United States survey. International Journal of Management, 29(2), 778.
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Xiao, J. J. (2008). Applying behavior theories to financial behavior. Handbook of Consumer Finance Research, 69–81.
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Yahaya, R., Zainol, Z., Osman, J. H., Abidin, Z., & Ismail, R. (2019). The effect of financial knowledge and financial attitudes on financial behavior among university students. International Journal of Academic Research in Business and Social Sciences, 9(8), 22–32.
Yamauchi, K. T., & Templer, D. J. (1982). The development of a money attitude scale. Journal of Personality Assessment, 46(5), 522–528.
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The effect of financial literacy and attitude on financial management behavior and satisfaction. BISNIS & BIROKRASI: Jurnal Ilmu Administrasi Dan Organisasi, 23(3), 4.
Ameliawati, M., & Setiyani, R. (2018). The influence of financial attitude, financial socialization, and financial experience to financial management behavior with financial literacy as the mediation variable. KnE Social Sciences, 811–832.
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.
Cahya, A. D., Amrina, H. N., & Oktaviyani, S. (2021). Pengaruh Sikap Keuangan Terhadap Perilaku Manajemen Keuangan Pada UMKM Batik Jumputan (Stusi Kasus pada UMKM Batik Jumputan di Kelurahan Tahunan). E-Bisnis: Jurnal Ilmiah Ekonomi Dan Bisnis, 14(2), 22–29.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.
Chen, H., & Volpe, R. P. (2002). Gender differences in personal financial literacy among college students. Financial Services Review, 11(3), 289–307.
Chinen, K., & Endo, H. (2012). Effects of attitude and background on students’ personal financial ability: A United States survey. International Journal of Management, 29(2), 778.
Conner, M. (2020). Theory of planned behavior. Handbook of Sport Psychology, 1–18.
Eagly, A. H., & Wood, W. (2012). Social role theory. Handbook of Theories of Social Psychology, 2.
Edwards, R., Allen, M. W., & Hayhoe, C. R. (2007). Financial attitudes and family communication about students’ finances: The role of sex differences. Communication Reports, 20(2), 90–100.
Falahati, L., & Hj. Paim, L. (2012). Experiencing financial problems among university students: an empirical study on the moderating effect of gender. Gender in Management: An International Journal, 27(5), 315–330.
Garber, G., & Koyama, S. M. (2016). Policy-effective financial knowledge and attitude factors.
Ghozali, I. (2021). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 26 (A. Heri S (Ed.); 10th ed.). Badan Penerbit Universitas Diponegoro.
Hayhoe, C. R., Leach, L. J., Turner, P. R., Bruin, M. J., & Lawrence, F. C. (2000). Differences in spending habits and credit use of college students. Journal of Consumer Affairs, 34(1), 113–133.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
Hira, T. K. (2012). Promoting sustainable financial behaviour: Implications for education and research. International Journal of Consumer Studies, 36(5), 502–507.
Lim, V. K. G., Teo, T. S. H., & Loo, G. L. (2003). Sex, financial hardship and locus of control: an empirical study of attitudes towards money among Singaporean Chinese. Personality and Individual Differences, 34(3), 411–429.
Lusardi, A., Mitchell, O. S., & Curto, V. (2010). Financial literacy among the young. Journal of Consumer Affairs, 44(2), 358–380.
Margaretha, F., & Pambudhi, R. A. (2015). Tingkat literasi keuangan pada mahasiswa S-1 fakultas ekonomi. Jurnal Manajemen Dan Kewirausahaan, 17(1), 76–85.
O’Neill, B., & Xiao, J. J. (2012). Financial behaviors before and after the financial crisis: Evidence from an online survey. Journal of Financial Counseling and Planning, 23(1).
OECD. (2022). OECD/INFE TOOLKIT TO MEASURE FINANCIAL LITERACY AND FINANCIAL INCLUSION: GUIDANCE, CORE QUESTIONNAIRE AND SUPPLEMENTARY QUESTIONS.
Pankow, D. (2003). Financial values, attitudes and goals.
Parrotta, J. L., & Johnson, P. J. (1998). The impact of financial attitudes and knowledge on financial management and satisfaction of recently married individuals. Journal of Financial Counseling and Planning, 9(2), 59.
Rajna, A., Ezat, W. P. S., Al Junid, S., & Moshiri, H. (2011). Financial management attitude and practice among the medical practitioners in public and private medical service in Malaysia. International Journal of Business and Management, 6(8), 105.
Stolper, O. A., & Walter, A. (2017). Financial literacy, financial advice, and financial behavior. Journal of Business Economics, 87, 581–643.
SURVEI NASIONAL LITERASI DAN INKLUSI KEUANGAN TAHUN 2022. (2022).
Taneja, R. M. (2012). Money attitude-an abridgement. Researchers World, 3(3), 94.
Watchravesringkan, K. (2008). Financial behavior of hispanic Americans. Handbook of Consumer Finance Research, 271–285.
Wei, L., Peng, M., & Wu, W. (2021). Financial literacy and fraud detection——Evidence from China. International Review of Economics & Finance, 76, 478–494.
Xiao, J. J. (2008). Applying behavior theories to financial behavior. Handbook of Consumer Finance Research, 69–81.
Yahaya, R., Zainol, Z., Haji, J., Zainal, O., Yahaya, R., Zainol, Z., Haji, J., & Zainal, O. (2019). The Effect of Financial Knowledge and Financial Attitudes on Financial Behavior among University Students The Effect of Financial Knowledge and Financial Attitudes on Financial Behavior among University Students. 9(8), 22–32. https://doi.org/10.6007/IJARBSS/v9-i8/6205
Yahaya, R., Zainol, Z., Osman, J. H., Abidin, Z., & Ismail, R. (2019). The effect of financial knowledge and financial attitudes on financial behavior among university students. International Journal of Academic Research in Business and Social Sciences, 9(8), 22–32.
Yamauchi, K. T., & Templer, D. J. (1982). The development of a money attitude scale. Journal of Personality Assessment, 46(5), 522–528.
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The effect of financial literacy and attitude on financial management behavior and satisfaction. BISNIS & BIROKRASI: Jurnal Ilmu Administrasi Dan Organisasi, 23(3), 4.
Published
2024-05-01
How to Cite
Nurcayadi, F., Indriayu, M., & Hindrayani, A. (2024). Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Keuangan Pada Mahasiswa Universitas Sebelas Maret dengan Gender Sebagai Variabel Moderasi. Jurnal Pendidikan Ekonomi (JUPE), 12(2), 254-262. https://doi.org/10.26740/jupe.v12n2.p254-262
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Copyright (c) 2024 Fatur Rochman Nurcayadi, Mintasih Indriayu, Aniek Hindrayani (Author)
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