Pengaruh Perilaku Pengelolaan Keuangan terhadap Penerima Kartu Indonesia Pintar pada Mahasiswa UPN ”Veteran” Jawa Timur

Abstract

Students as the young generation must understand managing finances wisely as a prosperous financial growth and development in the present and in the future. Financial management behavior as a measure of student success in dealing with their finances. This study aims to determine the effect of financial knowledge, financial attitude, and locus of control on financial management behavior. The population for this study were students who received the Indonesian Smart College Card (KIP-K) UPN "Veteran" East Java. The technique of determining the sample using random sampling method obtained 93 respondents using the Slovin formula. The study used primary data generated from the results of the questionnaire. The research used Partial Least Square (PLS) analysis technique. The research shows that there is a significanat positive effect of financial knowledge, financial attitude, and locus of control on financial management behavior. Students with high financial knowledge, financial attitude, and locus of control can make high and directed financial management behavior.

The Effect of Financial Literacy, Locus of Control and Life Style on the Financial Behavior of Peer to Peer Lending Paylater User In Surabaya City

“…According to the Planned Theory of conduct, a person's conduct when utilizing paylater is determined by their locus of control, which is a function of their perceived behavioral control. This is consistent with study by Mariana et al (2022) and Fadilah & Purwanto (2022), which found that better financial behavior is correlated with a stronger locus of control.…”

“…Locus of control can be defined as an individual's self-control over their future, enabling them to prioritize needs over desires, as described by Pratiwi et al in 2021. According to Rotter in (Dewanti & Asandimitra, 2021) someone has a good locus of control, it is expected that they will have a view of the future so that they will prioritise their needs over their desires. Locus of control has a positive impact on financial behavior, therefore the greater the locus of control, the better the person's financial behavior, according to research by Mariana et al in 2022. Financial behavior is impacted by an individual's locus of control, as it fosters increased self-awareness, responsibility, and decision-making in financial matters, as suggested by Fadilah and Purwanto in 2022. According to the Theory of Planned Behavior (TPB), personal intention is a factor that exerts control over a person's willingness to engage in certain events or actions.…”

“…This is related to how individuals plan outgoing and incoming cash budgets, credit budgets, investment and insurance budgets (Putri & Andarini, 2022). A person's financial behavior can start from knowledge, planning, to self-control over financial decision making (Mariana et al ., 2022). Indicators of financial behavior based on (Zarkasyi & Purwanto, 2021) are paying bills on time, making a budget for spending, recording every daily, monthly or other expenditure and shopping, providing funds for unexpected fund expenditures, saving regularly and comparing prices between shops / supermarkets before deciding on a purchase…”