Pengaruh Pengetahuan Keuangan, Teman Sebaya, dan Parental Income terhadap Perilaku Keuangan dengan Self-Control sebagai Moderasi

Abstract

: Analyzing the effect of financial knowledge, friends of the same age, and parental income on financial behavior with self-control as a moderating variable is the purpose of this research. Quantitative research is a type of research used in this study. The research sample was determined by purposive sampling technique totaling 100 students. Data analysis techniques used Structural Equation Modeling (SEM). Data collection techniques used were test and questionnaires. The result of this research is that financial knowledge can’t significantly influence financial behavior of students. Peer pressure, parental income, and self control have a significant on student financial behavior. Self control cann’t moderate financial knowledge on financial behavior, but it can moderate peer moderation on financial behavior. Self control does not moderate parental income on student financial behavior.

Analysis of Student Financial Management Behavior

“…A person's ability to (plan, budget, check, manage, control, search, and save) daily financial funds is referred to as financial management behavior [1]. Managing finances is a personal responsibility in order to avoid financial problems.…”

“…The income earned by parents from work (business) is used to meet the needs of the family. Personal income, also known as "profit before tax," is used to calculate individual gross profit after tax [1]. Income is one indicator used to assess people's well-being.…”

“…Parents' income is defined as money received as a reward for activities in both the formal and informal sectors for one month in rupiah [1]. Salary and commissions are the two main sources of income.…”

Pengaruh pendidikan keuangan di keluarga dan teman sebaya terhadap financial management behavior siswa

“…Sehingga semakin tidak baik perilaku keuangan suatu lingkungan pertemanan maka akan akan membuat seseorang menjadi semakin tidak baik pula financial management behaviornya. Namun sebaliknya, menjalin komunikasi yang baik mengenai financial management behavior dengan teman sebaya maka akan membuat seseorang baik dalam pengelolaan uang pribadinya Cahyani & Rochmawati (2021). Sehingga lingkungan teman sebaya yang semakin baik akan membuat financial management behavior otomatis menjadi semakin baik pula.…”

“…Siswa lingkungan temannya didominasi oleh perilaku konsumtif, maka akan otomatis mengikuti perilaku tersebut (Qamar et al, 2016). Menjalin komunikasi yang baik terkait hal keuangan dengan teman sebaya akan membuat financial management behavior siswa menjadi baik pula (Cahyani & Rochmawati, 2021). Hal ini selaras dengan penelitian Bamforth (2018) teman sebaya mempengaruhi sesorang dalam hal mengelola keuangannya.…”