Peran Pemediasi Locus of Control Pada Pengaruh Financial Knowledge Dan Financial Attitude Terhadap Financial Management Behavior

Abstract

This study aim to determine the effect of financial knowledge and financial attitude towards financial management behavior with locus of control as a mediating variable for students of the Faculty of Economics and Business in Yogyakarta. The population of this study were students of the Faculty of Economics and Business in Yogyakarta, totaling 198,144 respondents. Sampling in this study used purposive sampling technique by using several criteria, namely students of the Faculty of Economics and Business in the Special Region of Yogyakarta, class 2016-2019 because students have studied finance-related subjects that have been studied in lectures, so that students have an understanding and knowledge of finance. The number of samples in this study were 96 respondents. The technique of collecting data by using a questionnaire. Data analysis tools using SmartPLS version 3.0 software. the type of data used is primary data. Direct significance testing of the hypothesis shows that financial knowledge has a positive effect on financial management behavior. Locus of control mediates the positive influence of financial knowledge on financial management behavior. Financial attitude has a positive effect on financial management behavior. Locus of control mediates the positive effect of financial attitude on financial management behavior.

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

“…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.…”

Faktor Yang Mempengaruhi Financial Management Behavior Melalui Financial Attitude Sebagai Variabel Intervening

“…Faktor kelima yang dapat mempengaruhi financial management behavior yaitu financial attitude. Financial attitude menggambarkan kondisi pikiran, penilaian serta pendapat individu terhadap keuangan (Cahyaningrum & Fikri, 2021). mendefinisikannya sebagai keadaan pikiran dari sikap ekonomi, pendapat, dan penilaian tentang keuangan.…”

Pengaruh Financial Knowledge Dan Income Melalui Locus of Control Terhadap Financial Management Behavior

“…Pengetahuan keuangan dan pendapatan yang seimbang dengan kontrol diri akan lebih memungkinkan i n di vid u untuk memiliki perilaku pengelolaan keuangan yang lebih bijaksana dan bertanggungjawab. Didukung oleh penelitian Kholilah & Iramani (2013), Shinta & Lestari (2019), Pradiningtyas & Lukiastuti (2019), Asih & Khafid (2020), (Cahyaningrum and Fikri 2021) yang menyatakan bahwa terdapat pengaruh antara financial knowledge melalui locus of control terhadap financial management behavior . Di sisi lain, tidak terdapat pengaruh antara income melalui locus of control terhadap financial management behavior ditunjukkan oleh penelitian dari (Perry & Morris 2005) dan Astuti (2019).…”

“…Dapat disimpulkan bahwa pengaruh antara financial knowledge melalui locus of control terhadap financial management behavior berpengaruh positif dan signifikan. Hasil penelitian ini mendukung penelitian yang sebelumnya dilakukan oleh Kholilah & Iramani (2013), Shinta & Lestari (2019), Pradiningtyas & Lukiastuti (2019), Asih & Khafid (2020), Cahyaningrum & Fikri (2021) menyatakan bahwa pengaruh financial knowledge terhadap financial management behavior melalui locus of control berpengaruhpositif dan signifikan.…”