Pengaruh Financial Literacy dan Financial Attitude terhadap Financial Management Behavior (Studi Kasus Pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Islam Bandung)

Aprilia Aldiya Anggraeni, Dikdik Tandika

Abstract


Abstract. This study aims to determine and analyze the influence financial literacy and financial attitude on financial management behavior to students faculty of economics and business bandung Islamic university. This study using purposive sampling technique whichis done to 96 samples from 2.548 population students faculty of economics and business bandung Islamic university. Questionnaire and documents were used as data in this study. A the analysis used is multiple linear regression with the help of spss 22.0 program. This study result indicates that the financial literacy and financial attitude have significant impact on financial management behavior. It is proven by how major financial literacy and financial attitude agains financial management behavior 55,9%. From the results of this study to be able to improve the financial management behavior can be do by increasing financial literacy and financial attitude by learning more and seeing more information especially in the finance sector.

Keyword: Financial literacy, Financial attitude, Financial management behavior.

Abstrak. Penelitian ini bertujuan untuk mengetahui dan menganalisis apakah terdapat pengaruh Financial Literacy dan Financial Attitude terhadap Financial Management Behavior pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Islam Bandung. Penelitian ini menggunakan teknik purposive sampling yang dilakukan dengan menyebar kuisioner kepada 96 dari 2.548 populasi Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Islam Bandung. Kuisioner dan dokumen digunakan sebagai alat pengumpulan data dalam penelitian ini. Alat analisis yang digunakan adalah regresi linier berganda dengan bantuan program SPSS 22.0. Hasil penelitian ini menunjukkan bahwa variabel financial literacy dan financial attitude berpengaruh signifikan terhadap financial management behavior secara parsial dan simultan. Hal ini dibuktikan dari besarnya pengaruh financial literacy dan financial attitude terhadap financial management behavior sebesar 55,9%. Dari hasil penelitian untuk dapat meningkatkan financial management behavior dapat dilakukan dengan meningkatkan financial literacy dan financial attitude dengan lebih belajar dan lebih melihat informasi terutama di bidang keuangan.

Kata Kunci: Financial literacy, Financial attitude, Financial management behavior.


Keywords


Financial literacy, Financial attitude, Financial management behavior

Full Text:

PDF

References


Amanah, Ersha. 2016. Pengaruh Financial Knowledge, Financial attitude, dan Locus of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom. e-Proceeding of Management: Vol. 3, No.2, 1228-1235.

Dugas, C., 2001. Debt smothers young Americans, USA Today, 13: 1-2.

Forgue, M, J, A, M, Garman, H, M, K, R, Hasan A, N dan Shari, A, N. 2010. Financial literacy: a study among University students. Interdisciplinary Journal of contemporary Research in Business, 5:2.

Herdjiono, I., & Damanik, L. A. 2016. Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori dan Terapan, 226-241.

Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis dan Akuntansi, Vol.12, No.3, 131-144.

Kholilah, N. A., & Iramani, R. 2013. Studi Financial Management Behavior pada Masyarakat Surabaya. Journal of Business and Banking.

Lusardi, A. and Olivia S. Mitchell. 2007. Baby Boomer Retirement Security: The Roles of Planning, Financial Literacy, and Housing Wealth. Journal of Monetary Economics, 54(1): 205-224.

Mien, Nguyen Thi Ngoc dan Thao, Tran Phuong. 2015. Factors Affecting Personal Financial Management Behavior: Evidence from Vietnam. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15 Vietnam Conference) ISBN: 978-1-63415-833-6. 10-12 July, 2015. Danang-Vietnam.

Waspada. 2016. Literasi dan Inklusi Keuangan.




DOI: http://dx.doi.org/10.29313/.v0i0.14738

Flag Counter   Â