Pengaruh Uang Saku, Pembelajaran Akuntansi Keuangan dan Pengalaman Kerja Terhadap Perilaku Keuangan dengan Literasi Keuangan sebagai Variabel Intervening

Abstract

The financial behavior of each person is different as shown by the qualities of each individual. The study was directed to determine the results of the analysis of financial literacy to mediate the effect of pocket money, financial accounting learning, and work experience on financial behavior. Research location at the Universitas Negeri Surabaya with a research population of accounting education students at the Universitas Negeri Surabaya. Tests were carried out using purposive sampling technique and the sample size was determined using the Maholtra formula to obtain a total sample size of 120 respondents. The data collection methods were questionnaires and tests. With the Structural Equation Model data analysis technique using Warppls. So from the research results it can be seen whether there is no direct influence between pocket money on financial behavior. On the other hand, work experience and financial accounting learning variables have a positive and significant direct effect on financial behavior. Has a positive and significant influence between pocket money on financial literacy. Financial accounting learning variables and work experience have no effect on financial literacy. Financial literacy variables do not affect financial behavior and cannot mediate the effect of pocket money, financial accounting learning, and work experience on financial behavior.

The Impact of Financial Literacy, Pocket Money, Financial Education in The Family and Hedonis Lifestyle on Students Financial Behavior

“…The results of this research are in line with research by Tyas & Listiadi (2021), Sari & Listiadi (2021) dan Assyfa (2020) which states that pocket money has a positive effect on financial behavior. However, the results of this research are not in line with research by Lesminda & Rochmawati (2021) which states that pocket money has a negative effect on financial behavior.…”

“…In Yuwan Lestari (2020) the financial literacy indicators are as follows1) Parental involvement in financial decision making, 2) Saving habits taught by parents, 3) Discussion with parents regarding financial issues, 4) Parent communication regarding financial learning. This is supported by the results of research by Tyas & Listiadi (2021) that there is a significant positive influence between pocket money on financial behavior. H2: Pocket money influences financial behavior.…”

“…Pocket money from parents is very useful for meeting educational needs. Results research on pocket money that has been carried out by Tyas & Listiadi (2021) proves that pocket money has a significant positive effect on financial behavior. Meanwhile, research from Megasari (2017) proves that pocket money has a negative effect on financial behavior.…”

“…Student income can come from pocket money given by parents. Parents often give pocket money to their children so that they can use it wisely to meet important needs so that they can improve their welfare (Tyas & Listiadi, 2021). Pocket money from parents is very useful for meeting educational needs.…”

The Effect of Work Experience and Hard Skill on Employee Performance of PT. Multi Kencana Niagatama

“…Employees with a greater number of working hours are expected to have many forms of experience in resolving a variety of problems, based on their unique abilities (Lukiyana & Sriyanto, 2017). Work experience can contribute to an individual's knowledge, skills, and abilities, allowing them to advance and grow (Tyas & Listiadi, 2021). Experiential learning influences the modification of an individual's behavior.…”