Effect of Financial Attitudes, Financial Knowledge, Locus of Control, and Financial Self-Efficacy to Financial Management Behavior in Millennial Generation

Lukesi, Ervina; Rahadjeng, Erna Retna; Satiti, Novita Ratna

doi:10.22219/jamanika.v1i1.16027

Cited by 6 publications

(6 citation statements)

References 4 publications

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“…According to Djou (2019) research, financial attitude have a significant and positive impact on financial management behavior. Additionally, this study's findings are in line with previous studies Humaira & Sagoro (2018), Nurjanah et al (2018), Lukesi et al (2021), Adiputra & Patricia (2020), Cahyaningrum & Fikri (2021), Pujiyanti & Purwanti (2022) which asserts that financial attitude have a positive and significant impact on financial management behavior.…”

Section: Financial Attitude Influences Financial Management Behaviorsupporting

confidence: 92%

The Effect of Financial Literacy, Financial Knowledge, Financial Attitudes and Personality on Financial Management Behavior in MSME

Putri

Tubastuvi

Rahmawati

et al. 2023

BASKARA

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The research was conducted with the aim of examining the influence of financial literacy, financial knowledge, financial attitudes and personality on financial management behavior. The subjects in this examine were Micro, Small and Medium Enterprises (MSMEs) in Banyumas Regency with a population of 8,542 MSMEs and the sample in this observe was 159 MSMEs. Information were dissected the utilizing validity test, reliability test, descriptive analysis, classical assumption test, and multiple regression test. The study demonstrates that financial literacy, financial knowledge, financial attitudes, and personality traits have a significant and positive impact on financial management behavior. Based on this research, financial management behavior for MSME is very important, MSME must understand how important it is to understand financial literacy, financial knowledge, financial attitudes and personality. Thus, some Banyumas MSMEs have implemented good financial management behaviors and can be an example for other MSMEs.

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Section: Financial Attitude Influences Financial Management Behaviorsupporting

confidence: 92%

The Effect of Financial Literacy, Financial Knowledge, Financial Attitudes and Personality on Financial Management Behavior in MSME

Putri

Tubastuvi

Rahmawati

et al. 2023

BASKARA

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show abstract

“…The term self-efficacy was first introduced by Bandura (1997) in social learning theory and refers to a person's belief in the ability to perform a particular task. Financial attitude positively and significantly affects financial management which aligns with studies (Lukesi, Rahadjeng, & Satiti, 2021). Similarly, financial literacy is based on knowledge related to financial knowledge, financial behavior, and financial attitude, which enhances the value of money, inflation, interest, risk classification, savings and investment, and money management, which aligns wit h studies (Firli, 2017).…”

Section: Findings and Discussionsupporting

confidence: 62%

Empowering futures: A financial literacy assessment among graduate students at Tribhuvan university

Lamichhane,

Bhaumik,

Gnawali

2024

171

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The purpose of this study is to assess the level of financial literacy among graduate students. The focus is on exploring the relationship between financial literacy and three key factors: financial attitude, financial knowledge, and financial behavior. The study targeted graduate students at Tribhuvan University's Faculty of Management (FOM) in Kathmandu valley with 710 students receiving a structured questionnaire. Total of 427 valid responses were received, establishing the sample for analysis. Descriptive and relational research designs was adopted for the analysis. Data was collected through a structured questionnaire, reflecting participants' financial attitudes, knowledge, and behaviors. The study concludes that there exists a positive association between the levels of students' financial attitudes, knowledge, and behaviors with their financial literacy. Additionally, the research findings reveal a significant and positive impact of financial attitude, knowledge, and behavior on financial literacy. Government authorities will utilize findings of the study for the development of policies aimed at enhancing financial literacy programs in Nepal. Banking and Financial Institutions (BFIs), Microfinance Institutions (MFIs) as well as regulators can use the insights to modify financial literacy programs that address the specific needs identified in the study. Professors, teachers, and trainers can incorporate with the study's results for curriculum planning, designing courses to foster financial attitudes, knowledge, and behaviors among graduate and post-graduate students.

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“…A person's financial attitude is the basis of a person's thoughts, opinions, and includes a person's assessment of the finances that they learn and understand (Nuryana & Rahmawati, 2020). A person's financial attitude influences the determination of a person's financial behavior and can direct a person to manage their finances (Lukesi et al, 2021). Through a good financial attitude, a person will also be good at making decisions related to financial management.…”

Section: Financial Attitudementioning

confidence: 99%

“…Based on the results of research conducted by Lukesi et al (2021) shows that financial attitudes influence financial management behavior, including research conducted by Yahaya et al ( 2019) that financial attitudes influence financial management behavior.…”

Section: H1: Financial Knowledge Has a Positive And Significant Influ...mentioning

confidence: 99%

The Influence Of Financial Knowledge, Financial Attitudes, And Personality On Financial Management Behavior (Student of the Faculty of Economics, Department of Management, Bachelorwiyata Tamansiswa University)

Nurmala,

Hermuningsih,

Wiyono

2024

Ecombis. Rev. J. Ilm. Eco. and Bussines.

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This research aims to examine the influence of Financial Knowledge, Financial Attitudes and Personality on Financial Management Behavior (Students of the Faculty of Economics, Management Department, Bachelorwiyata University of Tamansiswa Yogyakarta). This research is descriptive in nature with a quantitative method using the lemeshow formula with a sample size of 96 respondents. The research results prove that financial knowledge and personality influence financial management behavior, while financial attitudes do not influence financial management behavior.

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Effect of Financial Attitudes, Financial Knowledge, Locus of Control, and Financial Self-Efficacy to Financial Management Behavior in Millennial Generation

Cited by 6 publications

References 4 publications

The Effect of Financial Literacy, Financial Knowledge, Financial Attitudes and Personality on Financial Management Behavior in MSME

The Effect of Financial Literacy, Financial Knowledge, Financial Attitudes and Personality on Financial Management Behavior in MSME

Empowering futures: A financial literacy assessment among graduate students at Tribhuvan university

The Influence Of Financial Knowledge, Financial Attitudes, And Personality On Financial Management Behavior (Student of the Faculty of Economics, Department of Management, Bachelorwiyata Tamansiswa University)

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