Keterkaitan Antara Pengetahuan Keuangan Dan Perencanaan Keuangan Terhadap Perilaku Keuangan Individu

Abstract

This study aims to analyze and find out about the relationship between financial knowledge and financial planning to the financial behavior of individuals who have worked, are still working and who have a steady income who are domiciled in Jakarta. This study uses primary data in the form of questionnaires with total 100 respondents. The program used in this study is SMART-PLS version 3.2.7 using the Structural Equation Modeling (SEM) model. The results of this study are that there is no significant influence between financial knowledge on individual financial behavior and there is a positive and significant influence between financial planning on individual financial behavior. Penelitian ini bertujuan untuk menganalisis dan mengetahui mengenai keterkaitan antara pengetahuan keuangan dan perencanaan keuangan terhadap perilaku keuangan individu yang pernah bekerja, masih bekerja dan yang berpenghasilan tetap yang berdomisili di Jakarta. Penelitian ini menggunakan data primer berupa kuesioner yang berjumlah 100 responden. Program yang dipakai dalam penelitian ini adalah SMART-PLS versi 3.2.7 dengan menggunakan model Structural Equation Modeling (SEM). Hasil dari penelitian ini adalah tidak terdapat pengaruh yang signifikan antara pengetahuan keuangan terhadap perilaku keuangan individu dan terdapat pengaruh positif dan signifikan antara perencanaan keuangan terhadap perilaku keuangan individu.

The Impact of Financial Literacy, Financial Behavior, and Income on Financial Planning for Child’s Education Funds

“…The results of this study are in line with previous research conducted by Sari et al (2022) which shows that financial attitudes do not significantly influence financial planning. The results obtained are not appropriate with the research conducted by Putri and Wiyanto (2019) which states that financial knowledge has no significant effect on financial behavior.…”

“…The results of Putri and Wiyanto's (2019) as a previous research shows that there is no significant effect between financial knowledge on individual financial behavior and there is a positive and significant effect between financial planning on individual financial behavior (Putri and Wiyanto, 2019). Putri and Miharti (2021) the results of the study show that financial literacy and income affect planning for children's education costs (Putri and Miharti, 2021).…”

“…Financial behavior (financial behavior) refers to one's own financial commitments in relation to financial management, including making financial planning. People's behavior regarding money can influence management because it requires relative and wise awareness in money management, in order to behave financially responsibly (Putri and Wiyanto, 2019). The income that a person has can meet the needs and financial obligations that must be met.…”

Exploring the Impact of Financial Attitudes, Financial Knowledge, and Personality on Financial Management Behavior Among Small and Medium Enterprises (Smes)

“…Financial Literacy explains how one can overturn a financial action. Being literate in finance means knowing how to read and handle money, analyze finance, Discuss personal financial circumstances that impact well-being with others in the material, calculate and develop independent judgments, and take actions resulting from processes to thrive in the world of finance in a complex way (Putri and Wiyanto, 2019). A person's financial attitude is a psychological trait linked to their own financial difficulties.…”