FINANCIAL MANAGEMENT BEHAVIOR: FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, & LOCUS OF CONTROL (STUDI PADA PELAKU UMKM DI DAERAH PESISIR MADURA)
Abstract views: 167
,
pdf downloads: 149
Abstract
This study aimed to determine how financial attitude, financial knowledge, and locus of control affected the behavior of MSME actors in the coastal region of Madura, particularly with regard to financial management. Based on the results of the t-test, financial altitude shows a Sig value of 0.000, and t count shows a value of 6.631 meaning that the Sig value is less than the probability value of 0.05 (0.000 <0.05) and t count is greater than t table (6.631 > 2.003). The financial knowledge variable with the t-test value indicates a Sig value of 0.130 and t count indicates a value of 1.536 meaning that the Sig value is greater than the probability value of 0.05 (1.536 > 0.05) and t count is smaller than the t table (1.536 <2.003) and the locus variable of control the t-test shows al Sig value of 0.242 and t count shows a value of 1.182 meaning that the Sig value is greater than the probability value of 0.05 (0.242 > 0.05) and t count is smaller than t table (1.182 <2.003). The results of the F test showed that the calculated f value of 21.931 is greater than the f table of 2.766 and with a significance of 0.000. Because f count > f table and significance level < 0.05, the regression model can be said that financial attitude, financial knowledge, and locus of control simultaneously or simultaneously affect financial management behavior, while the test results for the coefficient of determination (R²) are obtained a value of 0.540 or 54% while 46% is influenced by other variables.
Downloads
References
Amanah, E., Iradianty, A., & Rahardian, D. (2016). The Influence of Financial Knowledge, Financial Attitude and External Locus of Control on Personal Financial Management Behavior Case Study of Bachelor Degree Student in Telkom University. E-Proceeding of Management, 3(2), 1228–1235.
Herawati, N. T., Calndialsal, 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. https://doi.org/10.5430/ijba.v9n3p30
Herdjiono, I., & Damanik, A. (2016). PENGARUH FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, PARENTAL INCOME TERHADAP FINANCIAL MANAGEMENT BEHAVIOR.
Ida, & Dwinta, C. Y. (2010). PENGARUH LOCUS OF CONTROL, FINANCIAL KNOWLEDGE, INCOME TERHADAP FINANCIAL MANAGEMENT BEHAVIOR (Vol. 12, Issue 3).
Indrawan, R., & Yaniawati, P. R. (2014). METODOLOGI PENELITIAN Kuantitatif, Kualitatif, dan Campuran untuk Manajemen, Pembangunan, dan Pendidikan. PT. Refika Aditama.
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255
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). Journal of Business and Banking, 3(2), 1–12.
Maghfiroh. (2019). Pengaruh Financial Attitude, Financial Knowledge, Dan Parental Income Terhadap Financial Management Behavior Dengan Love Of Money Sebagai Variabel Intervening (Studi Kasus Pada Mahasiswa-Mahasiswi Perguruan Tinggi Negeri Dan Swasta Di Kota Malang). Jurnal Riset Mnajemen, 53(9), 1689–1699.
Maris, S., Baptista, J., & Dewi, A. S. (2021). The Influence of Financial Attitude, Financial Literacy, and Locus of Control on Financial Management Behavior. International Journal of Social Science and Business, 5(1), 93–98. https://ejournal.undiksha.ac.id/index.php/IJSSB/index
Novianti, M., & Salam, Al. (2021). Pengaruh Pengetahuan Keuangan, Sikap Keuangan Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pelaku Umkm Di Moyo Hilir). Jurnal Manajemen Dan Bisnis, 4(3), 18–26.
OJK. (2021). Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021 - 2025.
Pramedi, A. D., & Hlryono, N. A. (2021). Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya. Jurnal Ilmu Manajemen, 9(2), 572. https://doi.org/10.26740/jim.v9n2.p572-586
Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis Factors Influencing Financial Management Behavior. International Journal of Academic Research in Business and Social Sciences, 8(8), 308–326. https://doi.org/10.6007/ijarbss/v8-i8/4471
Rizkiawati, N. L., & Asandimitra, N. (2018). The Influence of Demography, Financial Knowledge, Financial Attitude, Locus of Control and Financial Self-Efficacy on the Financial Management Behavior of the Surabaya Community. Jurnal Ilmu Manajemen (JIM), 6(3), 2. https://jurnalmahasiswa.unesa.alc.id/index.php/jim/article/view/23846/21793
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Susanti, A., Ismunawan, ., Pardi, ., & Ardyan, E. (2018). Tingkat Pendidikan, Literasi Keuangan, dan Perencanaan Keuangan terhadap Perilaku Keuangan UMKM di Surakarta. Telaah Bisnis, 18(1), 45–56. https://doi.org/10.35917/tb.v18i1.93
Copyright (c) 2023 AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
