Pengaruh Financial Knowledge Dan Financial Attitude Terhadap Perilaku Keuangan Melalui Mediasi Locus Of Control Pada Mahasiswa Di Kota Bengkulu
Abstract
This research study aims to determine the effect of financialknowledge and financialattitude on financialbehavior through the mediation of locusof control instudents the city ofBengkulu. Thepopulation study were students in thecity ofBengkulu. From calculations using theformula where[21], theindicator is 24 x 10, thesample size for thisstudy was determined to be 240 respondents. Determination of thesample using non-probability samplingtechnique with purposive samplingtechnique, by determining the criteria of therespondent. Theresearch approach used is quantitativeresearch. The type of data used in this study is primary data, namely research dataobtained directly from originalsources (respondents). The research data was processed using thesmartPLS 3.0 analysis tool. The results of thisstudy indicate that financialknowledge can influence financialbehavior directly and cannotinfluence it indirectly or through locus ofcontrol mediation. FinancialAttitude Variable can influenceFinancial Behaviordirectly and can also influence indirectly through Locus OfControl. Lastly, the variables of financialknowledge and financial attitudes have influence on the financialbehavior variable. FinancialKnowledge and FinancialAttitude Variables can affect the LocusOf Control variable. Finally, the Locus OfControl variable can have a significant effect on the FinancialBehavior Variables.
References
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[2] J. Sari, Maya, Irfan and L. Deli, “Testing Model of Financial Management Ability of Small and Medium Enterprises (Smes),” J. Reviu Akunt. dan Keuang., vol. 10, no. 3, pp. 584–601, 2020, doi: 10.22219/jrak.v10i3.13331.
[3] M. D. R. Siahaan, “Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Pada Mahasiswa Perguruan Tinggi Di Surabaya,” Artik. Ilm., vol. 1, pp. 1–15, 2013.
[4] E. Amanah, D. Rahadian, and A. Iradianty, “Pengaruh Financial Knowledge, Financial Attitude Dan External Locus of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom,” e-Proceeding Manag., vol. 3, no. 2, p. 1228, 2016.
[5] N. L. Vincentius Andrew, “Hubungan Faktor Demografi dan Pengetahuan Keuangan Dengan Perilaku Keuangan Karyawan Swasta di Surabaya,” vol. 2, no. 2, 2014.
[6] A. Yulianingrum, M. R. Rianto, and M. Handayani, “Pengaruh Pengetahuan Keuangan, Pendapatan, dan Perilaku Keuangan terhadap Kepuasan Keuangan pada Tenaga Harian Lepas SATPOL PP di Kabupaten (X),” J. Ilm. Akunt. dan Manaj., vol. 17, no. 1, pp. 71–77, 2021, [Online]. Available: http://ejurnal.ubharajaya.ac.id/index.php/JIAM/article/view/582
[7] S. Ulayya, “Hubungan Antara Kontrol Diri Dengan Perilaku Konsumtif Pengguna E-Money Pada Mahasiswa Fakultas Psikologi,” J. Psikol., vol. 02, no. 01, pp. 3–14, 2019.
[8] Subiaktono, “PENGARUH PERSONALITY TRAITS TERHADAP PERENCANAAN KEUANGAN KELUARGA,” vol. 4, no. 2, pp. 149–160, 2013.
[9] V. Jennyya, M. H. Pratiknjo, and S. Rumampuk, “Gaya Hidup Hedonisme Di Kalangan Mahasiswa Universitas Sam Ratulangi,” J. Holistik, vol. 14, no. 3, pp. 1–16, 2021, [Online]. Available: https://ejournal.unsrat.ac.id/index.php/holistik/article/view/34482/32374
[10] N. A. Joshua and Nuryasman, “Perilaku, sikap dan pengetahuan keuangan terhadap kepuasan keuangan,” J. Manajerial dan Kewirausahaan, vol. 3, no. 77, pp. 61–71, 2021.
[11] I. Humaira and E. Sagoro, “PENGARUH PENGETAHUAN KEUANGAN, SIKAP KEUANGAN, DAN KEPRIBADIAN TERHADAP PERILAKU MANAJEMEN KEUANGAN PADA PELAKU UMKM SENTRA KERAJINAN BATIK KABUPATEN BANTUL,” Nominal, Barom. Ris. Akunt. dan Manaj., vol. 7, Apr. 2018, doi: 10.21831/nominal.v7i1.19363.
[12] L. A. Takaendengan, “The Influence Of Personal Financial Knowledge and Personal Financial Attitude Towards Buying Decision Using Credit Card In Manado City,” J. Berk. Ilm. Efisiensi, vol. 15, no. 4, pp. 171–181, 2015, [Online]. Available: https://ejournal.unsrat.ac.id/v3/index.php/jbie/article/view/9470
[13] R. Olivia, “Hubungan manajemen keuangan dengan perilaku konsumtif mahasiswa Program Studi Vokasi Tata Rias Universitas Negeri Jakarta,” Univ. Negeri Jakarta, 2018.
[14] R. Aldriansyah, “Pengaruh Financial Knowledge Dan Financial Attitude Terhadap Saving Behaviour Melalui Self Control Sebagai Mediasi Pada …,” 2022.
[15] V. I. Y. C. Vi, “3 ) 2 0,25,” vol. 47, no. Vi, p. 2942, 2016.
[16] R. Alexander and A. S. Pamungkas, “Pengaruh Pengetahuan Keuangan, Lokus Pengendalian Dan Pendapatan Terhadap Perilaku Keuangan,” J. Manajerial Dan Kewirausahaan, vol. 1, no. 1, 2019, doi: 10.24912/jmk.v1i1.2798.
[17] N. D. Sadalia, “Analisis personal financial literacy dan financial behavior mahasiswa strata I fakultas ekonomi Universitas Sumatera Utara.,” Media Inf. Manajemen., vol. 1, pp. 1–15, 2012.
[18] Ahmad Soleh, R. Noviantoro, and D. Putrafinaldo, “The Effect of Locus of Control and Communication Toward Employee Performance,” Manag. Sustain. Dev. J., vol. 2, no. 2, pp. 40–52, 2020, doi: 10.46229/msdj.v2i2.184.
[19] A. N. B. D. J. N. C. MUHAMMAD ABDUR RAHMAN MALIK, “Predicting Marital Happiness and Stability from Newlywed Interactions Published by : National Council on Family Relations Predicting Marital Happiness and Stability from Newlywed Interactions,” J. Marriage Fam., vol. 60, no. 1, pp. 5–22, 1998, doi: 10.1002/job.
[20] R. Dwijayanti, “Pengaruh Pendidikan Kewirausahaan, Locus of Control, Dan Kebutuhan Berprestasi Terhadap Pembentukan Sikap Kewirausahaan Mahasiswa,” J. Ekon. Pendidik. Dan Kewirausahaan, vol. 3, no. 2, p. 170, 2017, doi: 10.26740/jepk.v3n2.p170-180.
[21] et al Hair, Multivariate Data Analysis, New International Edition., NewJersey : Pearson. 2014.
[22] R. P. dan U. Sriwidodo, “PENGARUH PENGETAHUAN KEUANGAN DAN PENGALAMAN KEUANGAN TERHADAP PERILAKU PERENCANAAN INVESTASI DENGAN SELF CONTROL SEBAGAI VARIABEL MODERATING,” J. Ekon. Dan Kewirausahaan, vol. 15, no. 2, pp. 28–37, 2015, [Online]. Available: http://ci.nii.ac.jp/naid/110000039498/
[23] I. Herdjiono, L. A. Damanik, and U. Musamus, “PENGARUH FINANCIAL ATTITUDE,FINANCIAL KNOWLEDGE, PARENTAL INCOME TERHADAP FINANCIAL MANAGEMENT BEHAVIOR,” Manaj. Teor. dan Terap., vol. 1, no. 3, pp. 226–241, 2016.
[24] A. Tang, N., & Baker, “Self-esteem, financial knowledge and financial behavior.,” J. Econ. Psychol., vol. 54, pp. 164–176, 2016.
[25] T. B. Ramalho and D. Forte, “Financial literacy in Brazil – do knowledge and self-confidence relate with behavior?,” RAUSP Manag. J., vol. 54, no. 1, pp. 77–95, 2019, doi: 10.1108/RAUSP-04-2018-0008.
[26] B. M. D. Schmeiser and J. S. Seligman, “CFS Research Brief (FLRC 10-2) October 2011 U,” Security, no. October, pp. 1–5, 2011.
[27] G. Garber and S. M. Koyama, “Policy-effective Financial Knowledge and Attitude Factors,” Work. Pap. Ser., vol. 3, no. 2, pp. 1–42, 2016, [Online]. Available: https://ideas.repec.org/p/bcb/wpaper/430.html
[28] N. N. Aida and R. Rochmawati, “Pengaruh Sikap Keuangan, Locus of control, Teman Sebaya terhadap Perilaku Pengelolaan Keuangan dengan Literasi Keuangan sebagai Variabel Mediasi,” J. Pendidik. Akunt., vol. 10, no. 3, pp. 257–266, 2022, doi: 10.26740/jpak.v10n3.p257-266.
[29] I. dan C. Y. Dwinta, “Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior,” J. Bisnis Dan Akunt., vol. 12, no. 3, pp. 131–144, 2010.
[30] L. A. Wardani and D. Fitrayati, “Pengaruh literasi keuangan dan sikap keuangan terhadap perilaku pengelolaan keuangan dengan locus of control sebagai variabel intervening,” Fair Value J. Ilm. Akunt. dan Keuang., vol. 4, no. 12, pp. 5827–5836, 2022, doi: 10.32670/fairvalue.v4i12.1894.
Published
2023-11-28
How to Cite
Rofidah Silitonga, L., Idham Lakoni, & Veny Puspita. (2023). Pengaruh Financial Knowledge Dan Financial Attitude Terhadap Perilaku Keuangan Melalui Mediasi Locus Of Control Pada Mahasiswa Di Kota Bengkulu. E-Bisnis : Jurnal Ilmiah Ekonomi Dan Bisnis, 16(2), 395-405. https://doi.org/10.51903/e-bisnis.v16i2.1276
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Articles
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