Pengaruh Literasi Keuangan, Locus Of Control dan Financial Technology Terhadap Perilaku Pengelolaan Keuangan Individu

Authors

  • Alfarizqi Nur Eugenianda Program Studi Manajemen - S1, Fakultas Ekonomi dan Bisnis, Universitas Dian Nuswantoro Semarang
  • Maria Safitri Program Studi Manajemen - S1, Fakultas Ekonomi dan Bisnis, Universitas Dian Nuswantoro Semarang

Abstract

Financial Management Behavior is an activity carried out by individuals in compiling, organizing and managing their finances. This study aims to determine the influence of financial literacy, locus of control, and financial technology on individual financial management behavior. The type of research used in this study is quantitative research and data analysis techniques using Structural Equation Modeling (SEM) analysis with SmartPLS 3.0 software. The total population obtained was 527 management students of Dian Nuswantoro University in 2020. The number of samples obtained was 172 respondents using purposive sampling techniques and taken from an online questionnaire in the form of a google form. The results of the study concluded that financial literacy and locus of control have a positive and significant influence on financial management behavior. However, financial technology does not affect financial management behavior.Perilaku Pengelolaan Keuangan adalah kegiatan yang dilakukan oleh individu dalam menyusun, mengatur dan mengelola keuangan yang dimiliki. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, locus of control, dan financial technology terhadap perilaku pengelolaan keuangan individu. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif serta teknik analisis data menggunakan analisis Structural Equation Modelling (SEM) dengan software SmartPLS 3.0. Jumlah populasi yang diperoleh sebesar 527 mahasiswa manajemen universitas dian nuswantoro tahun 2020. Jumlah sampel yang diperoleh sebanyak 172 responden dengan menggunakan teknik purposive sampling serta diambil dari kuesioner online berupa google form. Hasil riset menyimpulkan bahwa literasi keuangan dan locus of control memberikan pengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan. Akan tetapi, financial technology tidak memberi pengaruh terhadap perilaku pengelolaan keuangan.Keywords:Literasi KeuanganLocus of ControlFinancial TechnologyPerilaku Pengelolaan Keuangan

References

Alexander, R., & Pamungkas, A. S. (2019). PENGARUH PENGETAHUAN KEUANGAN, LOKUS PENGENDALIAN DAN PENDAPATAN TERHADAP PERILAKU KEUANGAN. Jurnal Manajerial Dan Kewirausahaan.

Ameliawati, M., & Setiyani, R. (2018). The Influence of Financial Attitude, Financial Socialization, and Financial Experience to Financial Management Behavior with Financial Literacy as the Mediation Variable. KnE Social Sciences, 3(10), 811. https://doi.org/10.18502/kss.v3i10.3174

Anggraeni, B. D. (2015). PENGARUH TINGKAT LITERASI KEUANGAN PEMILIK USAHA TERHADAP PENGELOLAAN KEUANGAN. STUDI KASUS: UMKM DEPOK. Jurnal Vokasi Indonesia , 3(1), 22–30.

Anisyah, E. N., Pinem, D., & Hidayati, S. (2021). Pengaruh literasi keuangan, inklusi keuangan dan financial technology terhadap perilaku keuangan pelaku UMKM di Kecamatan Sekupang. Management and Business Review, 5(2), 310–324. https://doi.org/10.21067/mbr.v5i2.6083

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

Aulianingrum, R. D., & Rochmawati. (2021). PENGARUH LITERASI KEUANGAN, STATUS SOSIAL EKONOMI ORANG TUA, DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN PRIBADI SISWA. Jurnal Pendidikan Ekonomi, 15(2), 198–206. https://doi.org/10.19184/jpe.v15i2.24894

Azzahra, T., & Kartini. (2022). Pengaruh Financial Technology Payment, Financial Attitude, dan Financial Knowledge terhadap Financial Management Behavior bagi Mahasiswa di Yogyakarta. Jurnal Mahasiswa Bisnis & Manajemen, 01(02), 78–91. https://journal.uii.ac.id/selma/index78ArtikelHasilPenelitian

Ferdiansyah, A., & Triwahyuningtyas, N. (2021). ANALISIS LAYANAN FINANCIAL TECHNOLOGY DAN GAYA HIDUP TERHADAP PERILAKU KEUANGAN MAHASISWA. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen TERAKREDITASI SINTA, 4(1), 223–235. http:jim.unsyiah.ac.id/ekm

Ghozali, I. (2021). Partial Least Squares, Konsep, Teknik Dan Applikasi Menggunakan Program SmartPLS 3.2.9 Untuk Penelitian Empiris (Ed.3)’, in. Universitas Diponegoro. (3rd ed.). Universitas Diponegoro.

Humaidi, A., Khoirudin, M., Adinda, A. R., & Kautsar, A. (2020). The Effect of Financial Technology, Demography, and Financial Literacy on Financial Management Behavior of Productive Age in Surabaya, Indonesia. International Journal of

Advances in Scientific Research and Engineering, 06(01), 77–81. https://doi.org/10.31695/ijasre.2020.33604

Iriani, A. R., Rahayu, C. W. E., & Rahmawati, C. H. T. (2021). The influence of demographic factors and financial literacy on the financial behavior. Jurnal Kajian Manajemen Bisnis, 10(1), 33. https://doi.org/10.24036/jkmb.11220500

Joseph, C. N. (2020). PENGARUH LITERASI KEUANGAN DAN FAKTOR DEMOGRAFI TERHADAP PERILAKU PENGELOLAAN KEUANGAN PRIBADI PADA DOSEN-DOSEN FAKULTAS EKONOMI UKIM. Jurnal SOSO-Q, 8(1), 1–11.

Khofifa, A., Wahyuni, I., & Subaida, I. (2022). PENGARUH FINANCIAL TECHNOLOGY TERHADAP PERILAKU KEUANGAN DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL INTERVENING PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS ABDURACHMAN SALEH SITUBONDO. Jurnal Mahasiswa Entrepreneur (JME), 1(1), 523–537.

Kholilah, N. Al, & Iramani, Rr. (2013). STUDI FINANCIAL MANAGEMENT BEHAVIOR PADA MASYARAKAT SURABAYA. Journal of Business and Banking, 3(1), 69–80.

Margaretha, F., & Pambudhi, R. A. (2015). TINGKAT LITERASI KEUANGAN PADA MAHASISWA S-1 FAKULTAS EKONOMI. Jurnal Manajemen Dan Kewirausahaan (Journal of Management and Entrepreneurship), 17(1). https://doi.org/10.9744/jmk.17.1.76-85

Pramedi, A. D., & Asandimitra, N. (2021). PENGARUH FINANCIAL LITERACY, FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, INCOME DAN FINANCIAL SELF EFFICACY TERHADAP FINANCIAL MANAGEMENT BEHAVIOR ENTREPRENEUR LULUSAN PERGURUAN TINGGI DI SURABAYA. Jurnal Ilmu Manajemen, 9(2), 572–586.

Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis Factors Influencing Financial Management Behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8). https://doi.org/10.6007/ijarbss/v8-i8/4471

Rachman, C., & Rochmawati. (2021). Dampak financial literacy, financial attitude, financial self efficacy, social economic status, locus of control pada perilaku manajemen keuangan. 3, 417–429. http://journal.feb.unmul.ac.id/index.php/INOVASI

Rahma, F. A., & Susanti, S. (2022). Pengaruh Literasi Keuangan, Financial Self Efficacy dan Fintech Payment terhadap Manajemen Keuangan Pribadi Mahasiswa. Edukatif: Jurnal Ilmu Pendidikan, 4(3), 3236-3247.

Rizkiawati, N. L., & Asandimitra, N. (2018). PENGARUH DEMOGRAFI, FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, LOCUS OF CONTROL DAN FINANCIAL SELF-EFFICACY TERHADAP FINANCIAL MANAGEMENT BEHAVIOR MASYARAKAT SURABAYA. Jurnal Ilmu Manajemen, 6(3), 93–107. https://ejournal.unesa.ac.id/index.php/jim/article/view/23846

Rosa, I., & Listiadi, A. (2020). Pengaruh literasi keuangan, pendidikan keuangan di keluarga, teman sebaya, dan kontrol diri terhadap manajemen keuangan pribadi. JURNAL MANAJEMEN, 12(2), 244–252. http://journal.feb.unmul.ac.id/index.php/JURNALMANAJEMEN

Sampoerno, A. E., & Asandimitra, N. (2021). PENGARUH FINANCIAL LITERACY, INCOME, HEDONISM LIFESTYLE, SELF- CONTROL, DAN RISK TOLERANCE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA GENERASI MILENIAL. Jurnal Ilmu Manajemen, 9(3), 1002–1014.

Sanjiwani, D. M. P., & Wisadha, I. G. S. (2016). PENGARUH LOCUS OF CONTROL, GAYA KEPEMIMPINAN DAN KOMITMEN ORGANISASI PADA KINERJA AUDITOR KANTOR AKUNTAN PUBLIK. E-Jurnal Akuntansi Universitas Udayana, 14(2), 920–947.

Ulumudiniati, M., & Asandimitra, N. (2022). PENGARUH FINANCIAL LITERACY, FINANCIAL SELF-EFFICACY, LOCUS OF CONTROL, PARENTAL INCOME, DAN LOVE OF MONEY TERHADAP FINANCIAL MANAGEMENT BEHAVIOR: LIFESTYLE SEBAGAI MEDIASI. Jurnal Ilmu Manajemen, 10(1), 51–67.

Wahyudi, Tukan, B. A. P., & Pinem, D. br. (2020). Analysis of The Effect of Financial Literation, Financial Technology, Income, and Locus of Control on Lecturer Financial Behavior. AFEBI Management and Business Review, 5(1), 37–46. https://doi.org/https://doi.org/10.47312/ambr.v5i1.293

Wiranti, A. (2022). PENGARUH FINANCIAL TECHNOLOGY, FINANCIAL LITERACY, FINANCIAL KNOWLEDGE, LOCUS OF CONTROL, DAN INCOME TERHADAP PERILAKU KEUANGAN. In Jurnal Ilmu Manajemen (Vol. 10).

Yusnia, & Jubaedah. (2017). PENGARUH PENDAPATAN, LOKUS PENGENDALIAN DAN PENGETAHUAN KEUANGAN TERHADAP PERILAKU KEUANGAN PELAKU UMKM KECAMATAN CINERE. Jurnal Ekonomi Dan Bisnis, 4(2), 173–196.

Literasi Keuangan OJK (2017). Diakses dari https://ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/literasi-keuangan.aspx

Downloads

Published

2024-03-06

How to Cite

Eugenianda, A. N., & Safitri, M. (2024). Pengaruh Literasi Keuangan, Locus Of Control dan Financial Technology Terhadap Perilaku Pengelolaan Keuangan Individu. Jurnal Ekonomi Dan Bisnis, 3(1), 24–36. Retrieved from https://publikasi.dinus.ac.id/index.php/JEKOBS/article/view/9799

Issue

Vol. 3 No. 1 (2024): Jurnal Ekonomi dan Bisnis

Section

Articles

License

Authors who publish with this journal agree to the following terms:
  1. The journal allow the authors to hold the copyright without restrictions and allow the authors to retain publishing rights without restrictions. 
  2. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  3. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  4. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
  5. Creative Commons License
    This work is licensed under a Creative Commons Attribution 4.0 International License.  Which means you are free to:
    • Adapt — remix, transform, and build upon the material for any purpose, even commercially.

Most read articles by the same author(s)

Obs.: This plugin requires at least one statistics/report plugin to be enabled. If your statistics plugins provide more than one metric then please also select a main metric on the admin's site settings page and/or on the journal manager's settings pages.