Pengaruh Financial Knowledge, Financial Attitude, dan Financial Self Efficacy Terhadap Financial Management Behavior (Studi Kasus Pada Generasi Milenial di Kota Bandung)

Nadiva Alfanada, Azib Azib, Susilo Setiyawan

Abstract


ABSTRACT

The purpose of this study is to determine and analyze how much financial knowledge, financial attitude and financial self efficacy can influence financial management behavior of millennial generation in Bandung.This researched used the Non Probability sampling technique with purposive sampling method, the sample of this research is 100 millennial generation respondens in Bandung. This research used primary data obtained from questionnaries distributed to millennials in Bandung. The data analysis technique used in this study is multiple linear regression analysis. The result of this research showed that financial knowledge and financial self-efficacy partially had no influence on financial management behavior. Meanwhile, financial attitude partially affect financial management behavior. And Simultaneously, these three variables have a significant effect and have the ability to explain variation of financial management behavior by 65%

Keywords: Financial Knowledge, Financial Attitude, Financial Self-Efficacy, Financial Management Behavior

INTISARI

Penelitian ini bertujuan untuk menguji dan menganalisis seberapa besar pengaruh pengetahuan keuangan, sikap keuangan, dan financial self efficacy terhadap perilaku manajemen keuangan pada generasi milenial di Kota Bandung. Pengambilan sampel menggunakan teknik Non Probability Sampling dengan metode purposive sampling dan sampel dari penelitian ini adalah 100 responden generasi milenial di Kota Bandung. Penelitian ini menggunakan data primer yang didapatkan dari hasil kuesioner yang disebarkan kepada generasi milenial di Kota Bandung. Teknik analisis data yang digunakan dalam penelitian ini yaitu analisis regresi linear berganda. Hasil dari penelitian menunjukan bahwa pengetahuan keuangan dan financial self efficacy secara parsial tidak berpengaruh terhadap perilaku manajemen keuangan. Sedangkan sikap keuangan secara parsial berpengaruh terhadap perilaku manajemen keuangan. Secara simultan ketiga variabel tersebut berpengaruh signifikan dan memiliki kemampuan untuk menjelaskan variasi perilaku manajemen keuangan sebesar 65%.

Kata Kunci: Financial Knowledge, Financial Attirude, Financial Self efficacy, Financial Management Behavior


Keywords


Financial Knowledge, Financial Attitude, Financial Self-Efficacy, Financial Management Behavior, M

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DOI: http://dx.doi.org/10.29313/.v7i1.27103

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