Pengaruh Financial Attitude,Financial Knowledge, Parental Income Terhadap Financial Management Behavior

Abstract

The aim of this research is to obtain the knowledge regarding the influence of Financial Attitude, Financial Knowledge, and Parental Income toward Financial Management Behavior. This research conducted in Merauke, border area of Indonesia. Questionnaire is used to collect the data.The sample 382 respondents. Correspondence analysis and chi-square are used to analyze.The result of this research show that Financial Attitude has influence toward Financial Management Behavior while Financial Knowledge and Parental Income have no influence toward Financial Management Behavior.This research has two implications, (1) attitude is an important factor in supporting financial behavior, where the attitude is generally influenced by environment and social interaction and (2) the financial knowledge has no influence on the financial behavior because financial education is less effective in low-medium income countries or regions.

FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, AND FINANCIAL MANAGEMENT BEHAVIOR: SELF–CONTROL AS MEDIATING

“…This research is supported research by Pradiningtyas and Lukiastuti (2019) which states that financial attitudes have a significant effect on financial management behavior, Herdjiono and Damanik (2016) state that financial attitude has a significant effect on financial management behavior, Mien and Thao (2015) states that a person's financial attitude has a significant effect on financial management behavior. Thus the hypothesis which states that financial attitude has a significant effect on financial management behavior is proven.…”

“…Lynne (2008) states that financial attitudes have a significant effect on financial management behavior while education level and financial knowledge does not affect financial management behavior. Prihartono and Asandimitra (2018) stated that financial knowledge, financial attitudes, and social demographics have a significant effect on financial deception behavior, while Herdjiono and Damanik (2016) stated that financial knowledge and parental income does not affect financial management behavior while financial attitudes have a significant effect on financial management.…”

Exploring the Relationship Between Locus of Control and Financial Behavior of Accounting Student from The Social Construction Theory Approach

“…Financial attitudes have an important role in determining a person's success or failure in managing their finances (Çoşkun & Dalziel, 2020). Coskun and Dalziel (2020) and Herdjiono and Damanik (2016) found that financial attitude affects financial behavior. Thus, the first hypothesis is as follow:…”

Analisis Perilaku Keuangan Mahasiswa Universitas Pelita Bangsa dalam Keputusan Investasi

“…Semakin baik sikap keuangan pribadi seseorang maka semakin baik pengelolaan keuangannya. Hal tersebut sesuai dengan penelitian sebelumnya (Herdjiono, Damanik, and Musamus 2016) yang menyebutkan bahwa financial attitude memiliki pengaruh positif terhadap financial manajement behavior.…”

“…Sejalan dengan penelitian Ida dan Dwinta (2010) yang menyebutkan bahwa financial knowledge memiliki pengaruh positif terhadap perilaku keuangan, dan didukung oleh penelitian yang telah dilakukan oleh Andrew dan Linawati (2014), (Amanah, Iradianty, and Rahardian 2016). Namun berbanding terbalik dengan (Herdjiono, Damanik, and Musamus 2016) yang mengatakan bahwa financial knowledge tidak mempengaruhi financial manajement behavior.…”