Pengaruh Literasi Keuangan, Pendidikan Keuangan di Keluarga, Uang Saku terhadap Perilaku Pengelolaan Keuangan dengan Financial Self-Efficacy sebagai Variabel Intervening

Abstract

This study aims to analyze the effect of financial literacy, financial education in the family, and pocket money on financial management behavior through financial self-efficacy, either directly or indirectly. This type of research is quantitative research. The population in this research is active students of the Faculty of Economics and Business, State University of Surabaya. The sampling technique used purposive sampling and obtained 170 students as respondents. The data collection method used a questionnaire. The data analysis technique used instrument test, classical assumption test, multiple linear regression analysis, path analysis with SPSS 24. The results of the study were as follows: (1) financial literacy has no effect on financial management behavior either directly or through financial self-efficacy (2) financial education in the family has a positive effect on financial management behavior both directly and through financial self-efficacy (3) pocket money has an effect on financial management behavior both directly and through financial self-efficacy (4) financial self-efficacy has a significant positive effect on financial management behavior.

The Influence of Financial Literacy, Family Environment and Pocket Money on Student Financial Management

“…This is also supported by research conducted by Arifa & Setiyani (2020) which obtained results that the family environment has a positive influence on financial management [14]. This is also supported by research that has been carried out by Sari & Listiadi (2021) the better a person receives financial education through family, the higher a person's ability so that it has an impact on good financial management behavior [12]. In contrast to the research that has been carried out by Akben-Selcuk (2015) where the study states that education about financial management must be started by parents since the child is still young [21].…”

“…Research that has been conducted by Sari et al, (2020) states that the low attitude of student consumptive behavior is in line with the low ownership of students' pocket money, it also applies the other way around [12]. The tendency to low consumptive attitudes of students is influenced by the low allowances or allowances that students have.…”

Pengaruh Literasi Keuangan, Sikap Keuangan dan Self-Efficacy terhadap Pengelolaan Keuangan Ibu Rumah Tangga

“…Pengetahuan untuk mengelola keuangan sendiri merupakan perilaku ekonomi yang sedang berkembang, dengan pengetahuan dasar mengenai keuangan individu akan cenderung lebih baik dalam mengambil keputusan dalam keuangan. Sari & Listiadi (2021) mengungkapkan literasi keuangan merupakan pengartian mengelola keuangan guna menggapai kemakmuran di masa yang akan datang. Pengelolaan keuangan sendiri suatu langkah dalam merencanakan dan mengendalikan keuangannya (Dyah, 2021).…”

“…Terutama ibu rumah tangga ketika perasaan self-efficay yang kuat dapat menjadikan ibu rumah tangga memiliki keinginan lebih dan kesenangan dalam aktivitas, sekaligus menumbuhkan rasa tenang saat menghadapi kesulitan (Chaer, 2016). Sari & Listiadi (2021) mengungkapkan literasi keuangan merupakan pengartian mengelola keuangan guna menggapai kemakmuran di masa yang akan datang. Sedangkan pengelolaan keuangan sendiri suatu langkah dalam merencanakan dan mengendalikan keuangannya (Dyah, 2021).…”

Pengaruh Financial Knowledge, Financial Attitude, Dan Financial Self Efficacy Terhadap Saving Behavior Pada Pengguna E-Commerce Generasi Z

“…Sedangkan, variabel financial attitude merupakan keadaan pikiran, pendapat serta penilaian individu terkait keuangan (Adityandani & Haryono, 2019). Variabel financial self efficacy merupakan keyakinan akan kemampuan merubah perilaku keuangan menjadi lebih baik (Sari & Listiadi, 2021). Faktor-faktor diatas berkaitan dengan perilaku keuangan seseorang, khususnya perilaku dalam menabung.…”