Analisis Tingkat Literasi Keuangan Personal Berdasarkan Faktor-faktor Demografi Serta Pengaruhnya Terhadap Perilaku Keuangan Mahasiswa STIE Indonesia Banking School di Jakarta

Ferli, Ossi; Nursanti, Tinjung Desy

doi:10.35384/jemp.v4i3.210

Cited by 3 publications

(3 citation statements)

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“…The population in this study were postgraduate students who were studying at public universities in DKI Jakarta Province. The population determination was based on the observations made by Ferli and Nursanti (2018), Nurjanah (2019), and also Anggreini and Mariyanti (2014) that there were significant behavioral changes in consumptive behavior in several students in Jakarta, both who were studying at public and private campuses. The current focus is to develop the instrument first in the population of the public campuses.…”

Section: Methodsmentioning

confidence: 99%

The Development and Validation of Financial Management Behavior (FMB) Scale in Postgraduate Students

Amri

Ramdani

Warsihna

et al. 2022

jmi

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This study aims to develop and validate a financial management behavior scale. This study used the approach of measuring instrument modification by applying the existing theory into a statement that will be used as an instrument to see the condition of a person's financial management behavior. The researchers used the basic theory of Dew and Xiao (2011) which divides financial management behavior into the consumption dimension, cash flow management dimension, savings and investment dimension, and debt management dimension. The subjects involved in this study were 391 people who were postgraduate students in the capital city of Jakarta and were selected using a purposive sampling technique. Structural equation modeling (SEM) analysis with AMOS software were used in this study. The results of the analysis showed that the financial management behavior scale developed by the researchers has met the fit model and produced a valid statement which is ready to be used to measure the behavioral conditions of one's financial management specifically in the student context. The limitations and suggestions will be discussed further in this article. Keywords— Financial Management; Financial Management Behaviour; Scale Development; Scale Validation

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Section: Methodsmentioning

confidence: 99%

The Development and Validation of Financial Management Behavior (FMB) Scale in Postgraduate Students

Amri

Ramdani

Warsihna

et al. 2022

jmi

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“…Faktor Demografi adalah komponen struktur dan perkembangan populasi, seperti misalnya umur, jenis kelamin, pekerjaan, tingkat pendidikan, masa kerja serta status pernikahan, dll. (Ferli & Nursanti, 2021).…”

Section: Pendahuluanunclassified

Peran Mediasi Faktor Demografi pada Pengaruh Financial Attitude, Locus of Control dan Financial Knowledge Terhadap Personal Financial Management Behavior: Study Kasus pada Pegawai Tetap Universitas Muhammadiyah Sumatera Utara

Olivia,

Lestari

2024

AJEKBS

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Research aims to testing the influence of financial attitudes, Locus of Control, financial knowledge on the behavior of personal financial management through the role of mediation factors of demographics focusing on age and working period of respondents studied. The population of this research is the remaining employee of the University of Muhammadiyah North Sumatra, which amounted to about 300. SPRESSING SCHAMED ABDER 75 respondents with Slovin formula to know the number of respondents is the employee remains University of Muhammadiyah North Sumatra. Methods of data collection wears a questionnaire. Data analysis using SmartPLS 4.1.0.0. The results of research, financial knowledge has a positive effect on demographic factors, financial knowledge has a positive effect on personal financial management behavior, and Locus of Control has a positive effect on behavior of personal financial management. Private personnel behavior is very important in life. Each individual has a certain level of financial knowledge to help apply the behavior of personal financial management. In addition, each individual is endowed with intelligence and level of personal financial knowledge that enables them to perform activities in financial management. Financial knowledge greatly has an effect on personal financial management behavior. The better financial knowledge, the better also financial management. A person's decision in financial management is also inseparable from the role of demographic factors of age and work. Age also affects the decision in the behavior of personal financial management. The higher the age and effort of individuals will be better as well as in the management of personal finances and can be more focus in the short-term and long-term personal management of the applicable appearance in the form of behavior

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“…Research [10] states that demographic factors can affect individual financial literacy , both measured in terms of gender, age, education and income. [15] also stated that higher education levels tend to have higher financial literacy even though their literacy level is below the overall average. And the level of education above is required to have a high level of financial literacy compared to the level of education below compulsory education (Amaliyah & Witiastuti, 2015).…”

Section: Education Level Moderates the Effect Of Financial Literacy O...mentioning

confidence: 99%

Effect of Lifestyle and Finansial Literacy on Financial Behavior of Individuals with Level of Education as Moderating Variabels

Azizah,

Murdiono

2023

Advances in Economics, Business and Management Research

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Financial ability will be greatly influenced by a person's financial behavior. In theory, whether or not a person's financial health can be measured by how individuals can behave towards their finances. The factors that influence a person's financial behavior are lifestyle and financial literacy. The purpose of this study is to find out how the people of Trenggalek Regency who have a high level of consumptive behavior towards their finances. This study used 400 samples selected from the 762,345 population of the people of Trenggalek Regency by using a purposive sampling technique. The data used in this study were primary data taken from filling out questionnaires by people of productive age in Trenggalek Regency. The results of the SmartPLS analysis show that lifestyle and financial literacy influence financial behavior . The level of education as a moderating variable can strengthen the effect of lifestyle and financial literacy on the financial behavior of individuals of productive age in Trenggalek Regency.

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Analisis Tingkat Literasi Keuangan Personal Berdasarkan Faktor-faktor Demografi Serta Pengaruhnya Terhadap Perilaku Keuangan Mahasiswa STIE Indonesia Banking School di Jakarta

Cited by 3 publications

References 0 publications

The Development and Validation of Financial Management Behavior (FMB) Scale in Postgraduate Students

The Development and Validation of Financial Management Behavior (FMB) Scale in Postgraduate Students

Peran Mediasi Faktor Demografi pada Pengaruh Financial Attitude, Locus of Control dan Financial Knowledge Terhadap Personal Financial Management Behavior: Study Kasus pada Pegawai Tetap Universitas Muhammadiyah Sumatera Utara

Effect of Lifestyle and Finansial Literacy on Financial Behavior of Individuals with Level of Education as Moderating Variabels

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