Sikap Keuangan, Kontrol Perilaku, Efikasi Diri dan Perilaku Keuangan

Eka Yusnita Nila Sari, A. Khoirul Anam

Abstract


The practice of personal financial management among young people is currently getting serious attention, including among students. The problem is based on the implementation of basic financial knowledge which is still minimal. The development of good financial behaviour in students requires special attention because aspects of financial behaviour have a significant influence on their lives after graduating. This study aims to determine the effect of financial attitudes, behavioral control, and self-efficacy on financial behaviour. The type of research carried out is quantitative with primary data through a structured questionnaire. The research sample was selected from one college student with a total of 75 respondents. The sampling technique was purposive sampling on active status students and had completed the Financial Management course. This research is based on The Theory of Planned Behaviour (TPB). The results revealed that financial attitudes and self-efficacy affected financial behaviour, while behavioral control did not affect financial behaviour. Good financial behaviour helps improve financial well-being where positive financial behaviour is associated with positive life outcomes

Keywords


Financial attitudes; behavioral control; self-efficacy; financial behaviour

Full Text:

PDF

References


Ajzen, I. (1991). The Theory of Planned Behaviour. Organizational Behavior and Human Decision Processes, 50(2), 179–211. doi: https://doi.org/10.1016/0749-5978(91)90020-T

Ajzen, I. (2006). Constructing A Theory of Planned Behavior Questionnaire. Diakses dari https://people.umass.edu/~aizen/pdf/tpb.measurement.pdf

Aliffarizani, M. (2015). Pengaruh Kontrol Diri, Pengetahuan Keuangan Dan Nilai Materialisme Terhadap Perilaku Pengelolaan Keuangan Guru Sekolah Menengah Umum Di Gresik. Skripsi. STIE Perbanas Surabaya. Diakses dari http://eprints.perbanas.ac.id/947/

Amanah, E., Rahadian, D., & Iradianty, A. (2016). Pengaruh Financial Knowledge, Financial Attitude Dan External Locus Of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom. E-Proceeding of Management, 3(2), 1228–1235. Diakses dari https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/1448

Azwar, S. (1995). Sikap Manusia Teori dan Pengukurannya. Yogyakarta: Pustaka Pelajar Offset.

Bahri S., A. (2014). Etika Konsumsi dalam Perspektif Ekonomi Islam. Hunafa: Jurnal Studia Islamika, 11(2), 347-370. doi: https://doi.org/10.24239/jsi.v11i2.360.347-370

Bandura, A. (1977). Self-efficacy: Toward a unifying theory of behavioral change. Psychological Review, 84(2), 191–215. doi: https://doi.org/10.1037/0033-295x.84.2.191

Bandura, A. (2006). Guide for Constructing Self-Efficacy Scales. Self-efficacy beliefs of adolescents, 5(1), 307-337. Diakses dari https://books.google.co.id/books?hl=id&lr=&id=P_onDwAAQBAJ&oi=fnd&pg=PA307&dq=Guide+for+Constructing+Self-Efficacy+Scales&ots=rjJJq-HguQ&sig=d5gO18OkQW43zYsZo_REXosvUuM&redir_esc=y#v=onepage&q=Guide%20for%20Constructing%20Self-Efficacy%20Scales&f=false

Brandon, D. P., & Smith, C. M. (2009). Prospective Teachers’ Financial Knowledge and Teaching Self-Efficacy. Journal of Family & Consumer Sciences, 27(1), 14-28. Diakses dari https://www.natefacs.org/Pages/v27no1/v27no1Brandon.pdf

Dwiastanti, A. (2017). Analysis of Financial Knowledge and Financial Attitude on Locus of Control and Financial Management Behavior. MBR (Management and Business Review), 1(1), 1–8. doi: https://doi.org/10.21067/mbr.v1i1.2043

Ferdinand, A. (2014). Metode Penelitian Manajemen, Pedoman Penelitian untuk Penulisan Skripsi Tesis dan Disertasi Ilmu Manajemen (Edisi Kelima). Semarang: UNDIP Press.

Furnham, A., & Thomas, P. (1984). Pocket money: A study of economic education. British Journal of Developmental Psychology, 2(3), 205–212. doi: https://doi.org/10.1111/j.2044-835X.1984.tb00926.x

Herawati, N. T., Candiasa, I. M., Yadnyana, I. K., & Suharsono, N. (2018). Factors That Influence Financial Behavior Among Accounting Students in Bali. International Journal of Business Administration, 9(3), 30-38. doi: https://doi.org/10.5430/ijba.v9n3p30

Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori dan Terapan| Journal of Theory & Applied Management, 9(3), 226-241. doi: http://dx.doi.org/10.20473/jmtt.v9i3.3077

Hidayati, N. A. (2013). Pengaruh Sikap, Kontrol Perilaku Persepsian, Pengalaman dan Kepercayaan

Terhadap Minat Menggunakan Layanan Internet Banking. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 2(2). Diakses dari https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/1075

Hilgert, M. A. & Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: the connection between knowledge and behavior. Federal Reserve Bulletin, 89, 309–322. Diakses dari https://heinonline.org/HOL/LandingPage?handle=hein.journals/fedred89&div=90&id=&page

Humaira, I., & Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Nominal: Barometer Riset Akuntansi dan Manajemen, 7(1), 96-110. doi: https://doi.org/10.21831/nominal.v7i1.19363

Klontz, B., Britt, S. L., Mentzer, J., & Klontz, T. (2011). Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory. Journal of Financial Therapy, 2(1), 1–22. doi: https://doi.org/10.4148/jft.v2i1.451

Lianto, R., & Elizabeth, S. M. (2017). Analisis Pengaruh Financial Attitude, Financial Knowledge, Income Terhadap Financial Behavior di Kalangan Ibu Rumah Tangga Palembang (Studi Kasus Kecamatan Ilir Timur I), 1–12. Diakses dari https://core.ac.uk/download/pdf/153523812.pdf

Listiani, K. (2017). Pengaruh Financial Knowledge, Locus of Control Dan Financial Attitude Terhadap Financial Management Behavior pada Mahasiswa. Skripsi. STIE Perbanas Surabaya. Diakses dari http://eprints.perbanas.ac.id/2917/

Lown, J. M. (2011). Development and validation of a financial self-efficacy scale. Journal of Financial Counseling and Planning, 22(2), 54–63. Diakses dari https://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.836.2354&rep=rep1&type=pdf

Marsh, B. A. (2006). Examining the Personal Finance attitudes , behaviors , and knowledge levels of first-year and senior students at Baptist Universities in the State of Texas. Disertasi. Bowling Green State University. Diakses dari https://etd.ohiolink.edu/apexprod/rws_olink/r/1501/10?clear=10&p10_accession_num=bgsu1151189375

Mien, N. T. N., & Thao, T. P. (Juli, 2015). Factors affecting personal financial management behaviors: Evidence from Vietnam. In Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15 Vietnam Conference) (pp. 10-12). Diakses dari https://www.academia.edu/30812292/Factors_Affecting_Personal_Financial_Management_Behaviors_Evidence_from_Vietnam

Pompian, M. M., & Longo, J. M. (2004). A new paradigm for practical application of behavioral finance: creating investment programs based on personality type and gender to produce better investment outcomes. The Journal of Wealth Management, 7(2), 9-15. doi: https://doi.org/10.3905/jwm.2004.434561

Puspitaningtyas, Z. (2017). Pengaruh Efikasi Diri dan Pengetahuan Manajemen Keuangan Bisnis Terhadap Intensi Berwirausaha. Jurnal Wira Ekonomi Mikroskil: JWEM, 7(2), 141–150. Diakses dari https://mikroskil.ac.id/ejurnal/index.php/jwem/article/view/474

Ridho, T. M. (2017). Pengaruh Financial literacy, Financial Attitude, dan Income terhadap Personal Financial Management Behavior pada anggota Koperasi Pensiun BRI Padang. Skripsi. Universitas Andalas. Diakses dari http://scholar.unand.ac.id/24913/

Serido, J., Shim, S., & Tang, C. (2013). A developmental model of financial capability: A framework for promoting a successful transition to adulthood. International Journal of Behavioral Development, 37(4), 287–297. doi: https://doi.org/10.1177/0165025413479476

Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education. Journal of Youth and Adolescence, 39(12), 1457–1470. doi: https://doi.org/10.1007/s10964-009-9432-x

Xiao, J. J., Tang, C., Serido, J., & Shim, S. (2011). Antecedents and Consequences of Risky Credit Behavior Among College Students: Application and Extension of the Theory of Planned Behavior. Journal of Public Policy & Marketing, 30(2), 239–245. doi: https://doi.org/10.1509/jppm.30.2.239




DOI: https://doi.org/10.35138/organum.v4i1.134

Refbacks

  • There are currently no refbacks.


 

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License