Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan Mahasiswa
(Studi Empiris pada Mahasiswa/i Program Studi Akuntansi Fakultas Ekonomi dan Bisnis Universitas Nusa Nipa)
DOI:
https://doi.org/10.55606/jumia.v2i4.3339Keywords:
Financial Literacy, Financial Attitude, Student Financial Management BehaviorAbstract
This research aims to analyze the influence of Financial Literacy and Financial Attitudes on the Financial Management Behavior of Accounting Students, Faculty of Economics and Business, Nusa Nipa University. This type of research is quantitative research with an associative approach. The sampling technique uses probability sampling, a type of Stratified random sampling method, where the sample is determined and determined randomly by dividing the population into several sub-classes and semesters with a sample size of 84 people. The data collection technique used a questionnaire (google form) which was distributed to 84 respondents. Data analysis used multiple linear regression analysis using the Statistical Package for the Social Sciences (SPSS) version 25. The results of this study showed that partially the sig. of financial literacy is 0.000 < 0.05 with a calculated t value of 3.814, Sig. of financial attitude is 0.008 < 0.05 with a calculated t value of 2.703 and simultaneously the sig value from the F test shows that the sig value. from the test is 0.000 < 0.05 with a calculated F of 16.010, so it is concluded that partially or simultaneously Financial Literacy and Financial Attitudes have a significant effect on Student Financial Management Behavior.
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Zahriyan, M. Z. (2016). Pengaruh literasi keuangan dan sikap terhadap uang pada perilaku pengelolaan keuangan keluarga. Journal of Business and Banking, 1, 1–10.
Ajzen, I. (1985). From intentions to actions: A theory of planned behavior. In J. Kuhl & J. Beckmann (Eds.), Action control: From cognition to behavior (pp. 11–39). Springer.
Ajzen, I. (1988). Attitudes, personality, and behavior. Dorsey Press.
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Alfilail, S. N., & Vhalery, R. (2020). Pengaruh self-esteem dan self-awareness terhadap pengelolaan uang saku. Research and Development Journal of Education, 6(2), 38. https://doi.org/10.30998/rdje.v6i2.6242
Ali, M., Qamar, J., Asif, M., Khemta, N., & Jamil, H. (2016). How knowledge and financial self-efficacy moderate the relationship between money attitudes and personal financial management behavior. International Journal of Economics and Financial Issues, 5(2), 296–308.
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.
Ghozali, I., & Imam, G. (2013). Aplikasi analisis multivariate dengan program IBM SPSS update PLS regresi. Badan Penerbit Universitas Diponegoro.
Ghozali, I., & Imam, G. (2018). Aplikasi analisis multivariate dengan program SPSS. Badan Penerbit Universitas Diponegoro.
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 and Applied Management, 9(3), 226–241. https://doi.org/10.20473/jmtt.v9i3.3077
Heret, N. P., Dince, M. N., & … (2023). Pengaruh literasi keuangan terhadap perilaku keuangan ibu rumah tangga desa Rubit Kecamatan Hewoloang. Jurnal Accounting, 1, 152–164. https://accounting.nusanipa.ac.id/index.php/accounting/article/view/51
Herlindawati, D. (2017). Pengaruh kontrol diri, jenis kelamin, dan pendapatan terhadap pengelolaan keuangan pribadi mahasiswa pascasarjana Universitas Negeri Surabaya. Jurnal Ekonomi Pendidikan dan Kewirausahaan, 3(2), 158. https://doi.org/10.26740/jepk.v3n2.p158-169
Kewal Anastasia Sri, S. S. M. (2013). Tingkat literasi keuangan di kalangan mahasiswa STIE Musi. Jurnal Economia, 9(2), 130–140. http://journal.uny.ac.id/index.php/economia/article/view/1804
Lestari, D. (2020). Manajemen keuangan pribadi. Deepublish Publisher.
Mien, N. T. N., & Thao, P. T. (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 (AP15Vietnam Conference), 10(5), 1–16.
Muhidia, S. C. U. (2019). Pengaruh pengetahuan keuangan, sikap keuangan, dan locus of control terhadap perilaku keuangan mahasiswa prodi manajemen Universitas Muhammadiyah Gresik. Jurnal Ilmu Manajemen, 8, 549–563. https://doi.org/10.1002/ejoc.201200111
Napitupulu, J. H., Ellyawati, N., & Astuti, R. F. (2021). Pengelolaan keuangan mahasiswa kota Samarinda. Jurnal Manajemen dan Kewirausahaan, 9(3).
Otoritas Jasa Keuangan. (2013). Strategi nasional literasi keuangan. Jakarta.
Otoritas Jasa Keuangan. (2017). Literasi keuangan. Jakarta.
Pengelolaan, B., & Pribadi, K. (2017). Jurnal Nominal/Volume VI Nomor 1/Tahun 2017 pentingnya literasi keuangan bagi pengelolaan keuangan pribadi. Amanita Novi Yushita, VI.
Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis factors influencing financial management behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8), 308–326. https://doi.org/10.6007/ijarbss/v8-i8/4471
Rahmawati, N. W., & Haryono, N. A. (2020). Analisis faktor yang memengaruhi financial management behavior dengan mediasi locus of control. Jurnal Ilmu Manajemen, 8, 549–563. https://ejournal.unesa.ac.id/index.php/jim/article/view/33265
Rantelobo, A. T., & Sir, J. (2018). Analisis jalur faktor-faktor yang mempengaruhi literasi finansial dan literasi keuangan mahasiswa jurusan akuntansi Politeknik Kupang. Jurnal Akuntansi, 3(2).
Rengga, A., & Luju, E. (2023). Analisis pengelolaan administrasi keuangan dan anggaran pada kantor camat Waigete. Jurnal Administrasi Keuangan, 10(3), 50–63.
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh demografi, financial knowledge, financial attitude, locus of control dan financial self-efficacy terhadap financial management behavior masyarakat Surabaya. Jurnal Ilmu Manajemen, 6(3), 93–107.
Robbins, S. P., & Judge, T. A. (2013). Organizational behavior (16th ed., Trans. R. Saraswati & F. Sirait). Salemba Empat.
Sari, D. A. (2015). Financial literacy and student financial behavior (Case study STIE “YPPI” Rembang). Buletin Bisnis & Manajemen, 01(02), 171–189. https://media.neliti.com/media/publications/58351-ID-finalcial-literacy-dan-perilaku-keuangan.pdf
Sina, P. G. (2013). Financial efficacy dan financial satisfaction: Ditinjau dari perbedaan gender. Jurnal Manajemen Keuangan, 12(2), 173–184.
Sina, P. G., & Noya, A. (2012). Pengaruh kecerdasan spiritual terhadap pengelolaan keuangan pribadi. Jurnal Akuntansi dan Keuangan, 11(2), 171–188.
Sugiharti, H., & Maula, K. A. (2019). Pengaruh literasi keuangan terhadap perilaku pengelolaan keuangan mahasiswa. Accounthink: Journal of Accounting and Finance, 4(2), 804–818. https://doi.org/10.35706/acc.v4i2.2208
Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif dan R&D. Alfabeta.
Universitas Nusa Nipa. (2022). Profil Universitas Nusa Nipa Indonesia – Maumere. https://nusanipa.ac.id/about
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The effect of financial literacy and attitude on financial management behavior and satisfaction. Bisnis & Birokrasi Journal, 23(3), 3–5. https://doi.org/10.20476/jbb.v23i3.9175
Yunita, N. (2020). Pengaruh gender dan kemampuan akademis terhadap literasi keuangan dalam perilaku pengelolaan keuangan pada mahasiswa jurusan akuntansi. PRISMA (Platform Riset Mahasiswa Akuntansi), 1(2), 1–12.
Zahriyan, M. Z. (2016). Pengaruh literasi keuangan dan sikap terhadap uang pada perilaku pengelolaan keuangan keluarga. Journal of Business and Banking, 1, 1–10.
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Published
2024-09-03
How to Cite
Maria Florensa, Andreas Rengga, & Konstantinus Pati Sanga. (2024). Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan Mahasiswa: (Studi Empiris pada Mahasiswa/i Program Studi Akuntansi Fakultas Ekonomi dan Bisnis Universitas Nusa Nipa). Jurnal Mutiara Ilmu Akuntansi, 2(4), 210–234. https://doi.org/10.55606/jumia.v2i4.3339
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