Pengaruh Perilaku Pengelolaan Keuangan terhadap Penerima Kartu Indonesia Pintar pada Mahasiswa UPN â€Veteran†Jawa Timur

Dinda Mariana, Eko Purwanto, Ira Wikartika

Abstract


Students as the young generation must understand managing finances wisely as a prosperous financial growth and development in the present and in the future. Financial management behavior as a measure of student success in dealing with their finances. This study aims to determine the effect of financial knowledge, financial attitude, and locus of control on financial management behavior. The population for this study were students who received the Indonesian Smart College Card (KIP-K) UPN "Veteran" East Java. The technique of determining the sample using random sampling method obtained 93 respondents using the Slovin formula. The study used primary data generated from the results of the questionnaire. The research used Partial Least Square (PLS) analysis technique. The research shows that there is a significanat positive effect of financial knowledge, financial attitude, and locus of control on financial management behavior. Students with high financial knowledge, financial attitude, and locus of control can make high and directed financial management behavior.

Keywords


Financial Knowledge; Financial Attitude; Locus of Control; financial management behavior

Full Text:

PDF

References


Afriani, R. I., & Kartika, R. 2021. Pengaruh Financial Knowledge Dan Locus Control Terhadap Financial Management Behavior Mahasiswa Tingkat Akhir Jurusan Akuntansi Universitas Bina Bangsa. Sains: Jurnal Manajemen Dan Bisnis, 13(2), 163. https://doi.org/10.35448/jmb.v13i2.10985

Ajzen, I. 1991. The Theory Of Planned Behavior. Organizational Behavior And Human Decision Processes, 50 (2), 179–211.

Alexander, R., & Pamungkas, A. S. 2019. Pengaruh Pengetahuan Keuangan, Lokus Pengendalian Dan Pendapatan Terhadap Perilaku Keuangan. Jurnal Manajerial Dan Kewirausahaan, 1(1). https://doi.org/10.24912/jmk.v1i1.2798

Angelica, L., & Soebiantoro, U. 2022. Analisa menggunakan dompet digital. Jurnal Manajemen, 14(2), 268-274. https://doi.org/10.29264/jmmn.v14i2.11209

Asih, S. W., & Khafid, M. 2020. Financial Attitude dan Income terhadap Personal Financial Management Behavior melalui Locus Of Control sebagai Variabel Intervening How to Cite. Eeaj, 9(3), 748–767. https://doi.org/10.15294/eeaj.v9i1.42349

Buana, Y. E. P. A., & Tobing, D. H. 2019. Motivasi mahasiswa penerima beasiswa BIDIKMISI Universitas Udayana mengikuti gaya hidup hedonisme. Jurnal Psikologi Udayana, 6(02), 221. https://doi.org/10.24843/jpu.2019.v06.i02.p01

Fadilah, S. J., & Purwanto, E. 2022. Pengaruh Locus of Control, Perencanaan dean Literasi Keuangan terhadap Perilaku Keuangan UMKM. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(5), 1487–1499. https://doi.org/10.47467/alkharaj.v4i5.1003

Hamdani, M. 2018. Analisis Tingkat Literasi Keuangan Dan Pengaruhnya Terhadap Perilaku Keuangan Pada Mahasiswa Prodi Manajemen Universitas Terbuka. Jurnal Bakti Masyarakat Indonesia, 1(1), 139–145. www.cnnindonesia.com,

Humaira, I., & Sagoro, E. M. 2018. Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku Umkm Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi Dan Manajemen, 7(1). https://doi.org/10.21831/nominal.v7i1.19363

Khairani, F., & Alfarisi, M. F. 2019. Analisis Pengaruh Financial Attitude, Financial Knowledge, Pendidikan Orang Tua dan Parental Income Terhadap Financial Management Behavior Pada Mahasiswa S1 Universitas Anadalas Padang. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen, 4(1), 360–371.

Khoirunnisa, I. R., & Rochmawati, R. 2021. Pengaruh Literasi Keuangan, Sikap Keuangan, dan Pendidikan Keuangan Keluarga Terhadap Manajemen Keuangan Pribadi dengan Locus Of Control Sebagai Variabel Intervening. Jurnal Pendidikan Akuntansi (JPAK), 9(2), 210–219. https://doi.org/10.26740/jpak.v9n2.p210-219

Pradiningtyas, T. E., & Lukiastuti, F. 2019. Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Locus of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1), 96. https://doi.org/10.24252/minds.v6i1.9274

Purwanto, E., & Anwar, M. 2022. Application of the edu finance model to improve financial literature in creative industry in Sidoarjo district. Jurnal Siasat Bisnis, 26(1), 57–69. https://doi.org/10.20885/jsb.vol26.iss1.art4

Ritakumalasari, N., & Susanti, A. 2021. Literasi Keuangan, Gaya Hidup, Locus of Control, Dan Parental Income Terhadap Perilaku Keuangan Mahasiswa. Jurnal Ilmu Manajemen, 9(4), 1440–1450. https://doi.org/10.26740/jim.v9n4.p1440-1450

Rotter, J. B. 1966. Generalized Expectancies For Internal Versus External Control Of Reinforcement. Psychological Monographs: General And Applied, 80(1), 1–28. Https://Doi.Org/10.1037/H0092976

Santiko, W. A., & Dewi, A. S. 2021. Pengaruh Financial Attitude, Financial Knowledge, Dan Parental Income Terhadap Financial Behavor (Objek studi : Mahasiswa di Provinsi Jawa Barat). E-Proceeding of Management, 8(2), 913–920.

Syuliswati, S. 2020. Pengaruh Pengetahuan Keuangan Terhadap Perilaku Keuangan Dengan Sikap Keuangan Sebagai Variabel Mediasi. Seminar Nasional Gabungan Bidang Sosial - Polinema, 1(1), 114–124.

Yuniningsih, Santoso, B., Zhafirah, N. F., Rachmayanti, D., & Anggraini, D. 2022. Lecturer’s Behavior Finance in Making Investment Decisions on Financial Assets from the Perspective of Psychological Factors. 5(2), 101–109.

Yuniningsih, Y., & Santoso, B. 2021. Antecedents and Consequences of Psychological Aspects of Investors in the Real Asset Sector Towards Investment Decision Making. ATESTASI : Jurnal Ilmiah Akuntansi, 4(2), 301–314. https://doi.org/10.33096/atestasi.v4i2.692

Yuniningsih, Y, & Taufiq, M. 2019. Investor Behavior In Determining Investmen on Real Asset. MIX: Jurnal Ilmiah Manajemen, 9(2), 293227.

Yuniningsih, Yuniningsih, & Santoso, B. 2020. Does Family Environment Moderate The Effect of Financial Literacy, Attitudes and Motivation on Investment Interest. ATESTASI: Jurnal Ilmiah Akuntansi, 3(2).

Zarkasyi, M. I., & Purwanto, E. 2021. Pengaruh Literasi Keuangan, Financial Technology, dan Gaya Hidup terhadap Perilaku Keuangan Guru Taman Kanak-Kanak. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(2), 290–307. https://doi.org/10.47467/alkharaj.v4i2.640




DOI: http://dx.doi.org/10.33087/jiubj.v22i3.2554

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

ADRESS JOURNAL

JURNAL ILMIAH UNIVERSITAS BATANGHARI JAMBI (JIUBJ)
Published by Lembaga Penelitian dan Pengabdian kepada Masyarakat
Adress: Jl.Slamet Ryadi, Broni-Jambi, Kec.Telanaipura, Kodepos: 36122, email: jiubj.unbari@gmail.com, Phone: 0741-670700

Creative Commons License This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.