Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior

Novianti, Serly

doi:10.35446/akuntansikompetif.v2i1.278

Cited by 49 publications

(65 citation statements)

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“…They stated that locus of control influences negatively to financial management behavior. The finding is also different from Novianti et al (2016) that there is no influence between locus of control towards financial management behavior. Thus, the hypothesis is as follows, H1: There is an influence between locus of control towards financial management behavior to the millennial generation in Surabaya.…”

Section: Locus Of Controlcontrasting

confidence: 83%

“…This kind of situation is in contrast that people who tend toward their internal locus of control who faces their challenges with their abilities. This finding is relevant to Novianti et al (2016) and Britt et al (2011) that there is no influence of locus of control on financial management behavior.…”

Section: The Influence Of Locus Of Control Towards Financial Managemesupporting

confidence: 54%

“…Financial management behavior's first time appeared because of the massive desire of a person to fulfill their life needs which is appropriate to their income. Financial management behavior is measured by using the parameter which consists of the outlay control, debt Ramadhan and Asandimitra 132 accuracy, future financial plan, family and individual fund provision, and the safety of saving money (Novianti et al, 2016).…”

Section: Financial Management Behaviormentioning

confidence: 99%

“…Financial knowledge is not only making people wise in using funds but also give economic benefits (Herdjiono & Damanik, 2016). Novianti et al (2016) used a parameter to measure financial knowledge by financial expensed, interest rate, and credit; the term about credit files and credit rating; financial management; money investment; and anything that occurred in the credit report.…”

Section: Financial Knowledgementioning

confidence: 99%

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Determinants of Financial Management Behavior of Millennial Generation in Surabaya

Ramadhan

Asandimitra

2019

Minds

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The habit of millennial generations in Surabaya in conducting online shopping activities can influence their financial management behavior. This study aims to investigate the factors that can affect financial management behavior with a sample of 184 millennial generations in Surabaya using multiple linear regressions. The findings demonstrated that financial attitude, financial knowledge, and secondary agents had a positive effect on financial management behavior. Whereas locus of control, childhood consumer experience, and primary agent did not affect on financial management behavior. Millennial generations in Surabaya have financial attitudes and knowledge, while also supported by adequate digital and internet literation.

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Section: Locus Of Controlcontrasting

confidence: 83%

Section: The Influence Of Locus Of Control Towards Financial Managemesupporting

confidence: 54%

Section: Financial Management Behaviormentioning

confidence: 99%

Section: Financial Knowledgementioning

confidence: 99%

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Determinants of Financial Management Behavior of Millennial Generation in Surabaya

Ramadhan

Asandimitra

2019

Minds

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“…Kemudian Novianti et al (2016) mendefinisikan perilaku manajemen keuangan adalah kemampuan seseorang dalam mengatur perencanaan, penganggaran, pengelolaan, pengendalian, pemeriksaan, pencarian dan penyimpanan dana keuangan. Pemicu munculnya perilaku manajemen keuangan disebabkan oleh dampak dari besarnya hasrat individu dalam memenuhi kebutuhan hidupnya sesuai dengan tingkat pendapatan yang diperoleh.…”

Section: )unclassified

Perilaku Manajemen Keuangan Pada Umkm Sentra Kerajinan Kayu Di Kabupaten Dompu

Ariadin

Safitri

2021

Among Makarti

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Latar Belakang: Perilaku manajemen keuangan menjadi salah satu konsep penting pada disiplin ilmu keuangan. Memiliki perilaku manajemen keuangan yang baik dapat membantu para pelaku UMKM untuk dapat bertanggung jawab dalam pengelolaan keuangan terhadap uang maupun asset dengan cara yang dianggap produktif. Tujuan: Untuk mengetahui Faktor-Faktor yang Mempengaruhi Perilaku Manajemen Keuangan pada UMKM Sentra Kerajinan Kayu di Kabupaten Dompu. Metode Penelitian: Penelitian ini merupakan penelitian yang bersifat kausal asosiatif dengan menggunakan analisis regresi linear berganda. Subyek penelitiannya adalah para pelaku UMKM Sentra Kerajinan Kayu di Kabupaten Dompu, sebanyak 30 UMKM. Teknik pengumpulan data menggunakan kuesioner. Uji validitas dan Reliabilitas dilakukan terhadap 30 orang diluar subjek yang terdaftar sebagai UMKM Sentra Kerajinan Kayu di Kabupaten Dompu. Uji prasayarat analisis meliputi uji linearitas, uji multikolinearitas, dan uji heteroskedastisitas. Hasil Penelitian: Menunjukkan bahwa (1) terdapat pengaruh yang signifikan Pengetahuan Keuangan terhadap Perilaku Manajemen Keuangan, hasil tersebut menunjukkan bahwa hipotesis ke-1 diterima, (2) terdapat pengaruh yang signifikan Pendapatan terhadap Perilaku Manajemen Keuangan, hasil tersebut menunjukkan bahwa hipotesis ke-2 diterima, (3) terdapat pengaruh yang signifikan Sikap Keuangan terhadap Perilaku Manajemen Keuangan, hasil tersebut menunjukkan bahwa hipotesis ke-3 diterima, (4) tidak terdapat pengaruh yang signifikan Kepribadian terhadap Perilaku Manajemen Keuangan, hasil tersebut menunjukkan bahwa hipotesis ke-4 ditolak, (5) terdapat pengaruh yang signifikan Pengetahuan Keuangan, Pendapatan, Sikap Keuangan, dan Kepribadian secara simultan terhadap Perilaku Manajemen Keuangan, hal ini menunjukkan bahwa hipotesis ke-5 diterima.

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Effect of Individual Attributes toward Financial Management Behavior through Locus of Control

Amri,

Widyastuti,

Bahri

et al. 2023

Etikonomi

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Only a few studies have examined the use of comprehensive variables in determining financial management behavior, though the model involves many other variables. Therefore, this study aimed to examine the locus of control as a mediator variable in the effect of financial attitude and knowledge, income, and spiritual intelligence on financial management behavior. It used a quantitative descriptive method and involved 391 respondents determined through convenience sampling. The results showed that financial attitude and spiritual intelligence significantly impact financial management behavior through locus of control. Whereas in the other two variables, namely financial knowledge, and income, the role of the mediator does not function effectively, so it does not have an indirect effect. These findings have implications for individuals to practice financial readiness in daily financial life. The information obtained also strengthens the role of self-control in financial management.JEL Classification: G40, G41

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Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior

Cited by 49 publications

References 0 publications

Determinants of Financial Management Behavior of Millennial Generation in Surabaya

Determinants of Financial Management Behavior of Millennial Generation in Surabaya

Perilaku Manajemen Keuangan Pada Umkm Sentra Kerajinan Kayu Di Kabupaten Dompu

Effect of Individual Attributes toward Financial Management Behavior through Locus of Control

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