Analisis komparasi sikap keuangan dan pengetahuan keuangan serta demografi sosial terhadap perilaku keuangan

Amaliah Amaliah, Maryam Nadir

Abstract


Amaliah, 2021. “Analisis Komparasi Sikap keuangan dan Pengetahuan Keuangan serta Demografi Sosial terhadap Perilaku Keuangan†dibawah bimbingan Maryam Nadir, SE.,M.Si.

Penelitian ini bertujuan untuk mengetahui pengaruh komparasi sikap keuangan, pengetahuan keuangan dan demografi sosial terhadap perilaku keuangan terhadap mahasiswa magister manajemen dengan mahasiswa administrasi publik.Metode pengambilan sampel dalam penelitian ini adalah purposive sampling.Sampel yang digunakan dalam penelitian ini adalah 70 mahasiswa magister manajemen dan mahasiswa administrasi publik.Analisis data yang digunakan dalam penelitian ini adalah Product and Service Solutions dengan bantuan software SPSS versi 22

Hasil penelitian ini menunjukan bahwa sikap keuangan memiliki pengaruh positif tidak signifikan terhadap Perilaku Keuangan pada mahasiswa magister dan untuk pengetahuan keuangan memiliki pengaruh negetif tidak signifikan terhadap perilaku keuangan pada mahasiswa magister sedangkan untuk demografi sosial memiliki pengaruh positif signifikan terhadap perilaku keuangan pada mahasiswa magister.

Kata Kunci: Sikap Keuangan, Pengetahuan Keuangan, Demografi Sosial, Perilaku Keuangan

 


Keywords


sikap keuangan;pengetahuan keuangan;demografi sosial;perilaku keuangan

References


Agolla, J. E., & Ongori, H. (2009). An assessment of academic stress among undergraduate students: The case of University of Botswana. Educational Research and Reviews, 4(2), 063–070.

Amanah, E., Iradianty, A., & Rahardian, D. (2016). Pengaruh Financial Knowledge , Financial Attitude Dan External Locus of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom the Influence of Financial Knowledge , Financial Attitude and External Locus of Control on. E- Proceeding of Management, 3(2), 1228–1235.

Amanah, E., Rahadian, D. D., & Iradianty, A. (2016). The Influence of Financial Knowledge, Financial Attitude and ExternalL Locus of Control on Personal Management Behavior Case Study of Bachelor Degree Student in Telkom University. E-Proceeding of Management, 3(2), 1228–1235.

Ameliawati, M., & Setiyani, R. (2018). The Influence of Financial Attitude, Financial Socialization, and Financial Experience to Financial Management Behavior with Financial Literacy as the Mediation Variable. KnE Social Sciences, 3(10), 811. https://doi.org/10.18502/kss.v3i10.3174

Aminatuzzahra. (2014). PERSEPSI PENGARUH PERSEPSI PENGARUH PENGETAHUAN KEUANGAN, SIKAP KEUANGAN, SOSIAL DEMOGRAFI TERHADAP PERILAKU KEUANGAN DALAM PENGAMBILAN KEPUTUSAN INVESTASI INDIVIDU

(StudiEKasus Pada Mahasiswa Magister Manajemana Universitas Diponegoro). 23(2), 70–96. https://doi.org/10.14710/jbs.23.2.70-96

Arikunto, Suharsimi, (2006) Prosedur Penelitian Suatu Pendekatan Praktik, Rineka Cipta, Jakarta.

Bailia, soegoto dan loindong. (2014). Jurnal EMBA. Jurnal EMBA, 2(3), 1768–1780 Braunstein, S., & Welch, C. (2002). Financial literacy: An overview of practice, research, and

policy. Federal Reserve Bulletin, 88(11), 445–457. Retrieved from http://search.proquest.com/docview/219569543?accountid=12763%5Cnhttp://primoa.lib rary.unsw.edu.au/openurl/61UNSW_INST/UNSW_SERVICES_PAGE?url_ver=Z39.88

-

&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&genre=article&sid=ProQ:ProQ:abiglob al&atitle=Financial+li

Collins, S. E., Witkiewitz, K., & Larimer, M. E. (2011). The theory of planned behavior as a predictor of growth in risky college drinking. Journal of Studies on Alcohol and Drugs, 72(2), 322–332. https://doi.org/10.15288/jsad.2011.72.322

Dawkins, C. E., & Frass, J. W. (2005). Decision of union workers to participate in employee involvement: An application of the theory of planned behaviour. Employee Relations, 27(5), 511–531. https://doi.org/10.1108/01425450510612031

Elliehausen, G., Lundquist, C. E., & Staten, M. E. (2002). The Impact of Credit Card Counseling on Subsequent Borrower Credit Usage and Payment Behavior. Journal of Consumer Affairs, 41(1), 1–38.

Fox, J., Bartholomae, S., & Lee, J. (2005). Building the case for financial education. Journal of Consumer Affairs, 39(1), 195–214. https://doi.org/10.1111/j.1745-6606.2005.00009.x Grable, J. E., Park, J. Y., & Joo, S. H. (2009). Explaining financial management behavior for

koreans living in the united states. Journal of Consumer Affairs, 43(1), 80–107. https://doi.org/10.1111/j.1745-6606.2008.01128.x

Hayhoe, C. R., Leach, L., Allen, M. W., & Edwards, R. (2005). Credit cards held by college students. Journal of Financial Counseling and Planning, 16(1), 1–10.

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

Herma Wiharno. (2018). Pengaruh … (Herma). Jurnal Riset Keuangan Dan Akuntansi, 4(1), 70. https://doi.org/10.25134/jrka.v4i1.1336

Hogarth, J. M., Beverly, S. G., & Hilgert, M. (2003). Patterns of financial behaviors: Implications for community educators and policy makers. Patterns of Financial Behaviors: Implications for Community Educators and Policy Makers, 1–28. Retrieved from http://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.196.5257

Ida, & Dwinta, C. Y. (2010). IDA dan CINTHIA YOHANA DWINTA. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.

Joo, S. H., Grable, J. E., and Bagwell, D. C. 2003. Credit card attitudes and behaviors of college students. College Student Journal, 37(3), 405-419.

Jorgensen, B. L., Foster, D., Jensen, J. F., & Vieira, E. (2017). Financial Attitudes and Responsible Spending Behavior of Emerging Adults: Does Geographic Location Matter? Journal of Family and Economic Issues, 38(1), 70–83. https://doi.org/10.1007/s10834-016-9512-5

Kaiser, Tim dan Lukas Menkhoff. 2016. Does Financial Education Impact Financial Behavior, and If so, When?.Discussion Papers of DIW Berlin

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

Laili Riskiawati, N., & Asandmitra Haryono, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control Dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3).

Nababan, D., & Sadalia, I. (2013). Analisis Personal Financial Liteacy Dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara (Personal Financial literacy Analysis And The Financial Behavior Of Undergraduate Students Of The University Of North Sumatra’s Econo. Media Informasi Manajemen, 1, 1–16.

Nguyen Thi Ngoc Mien. (2006). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Hypertension, 47(3), 327–328. https://doi.org/10.1161/01.HYP.0000200705.61571.95

Norvilitis, J. M., dan Maria, P. S. 2002. Credit card debt on college campuses: Causes,consequences and solutions. College Student Journal, 36(3), 357-364.

Nujmatul, Laily. (2013). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa dalam Mengelola Keuangan. Jurnal Pendidikan Akuntansi ISSN 2897952.

Palmer, T. S., Pinto, M. B., & Parente, D. H. 2001. College students’ credit card debt and the role of parental involvement: Implications for public policy. Journal of Public Policy & Marketing, 20(1), 105-113

Perry, V. G., & Morris, M. D. (2005). Who is in control? the role of self-perception, knowledge, and income in explaining consumer financial behavior. Journal of Consumer Affairs, 39(2), 299–313. https://doi.org/10.1111/j.1745-6606.2005.00016.x

Pinto, M. B., Parente, D. H., & Palmer, T. S. 2000. Materialism and credit card use by college students. Psychological Reports, 86, 643-652.

Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x

Ricciardi, V., & Simon, H. K. (2015). What Is Behavioral Finance? Behavioral Finance and Wealth Management, 3–21. https://doi.org/10.1002/9781119202400.ch1

Robb, C. A., & Woodyard, A. S. (2011). Ej941903. Financial Knowledge and Best Practice Behavior, (205), 60–70.

Sudirman, M., & Nadir, M. (2018). Study of Financial Literacy o f Postgraduate Students at Mulawarman University .

Sun, H., Lo, C. T., Liang, B., & Wong, Y. L. B. (2017). The impact of entrepreneurial education on entrepreneurial intention of engineering students in Hong Kong.

Management Decision, 55(7), 1371–1393. https://doi.org/10.1108/MD-06-2016-0392 Suryanto. (2017). Pola Perilaku Keuangan Mahasiswa Di Perguruan Tinggi. Jurnal Ilmu

Politik Dan Komunikasi, VII(1), 11–20.

Tenkasi, R. R. V., & Zhang, L. (2018). A test of the theory of planned behavior: Influencing behavioral change to go “Green.†Research in Organizational Change and Development, 26, 127–165. https://doi.org/10.1108/S0897-301620180000026004

Xiao, J. J., & Dew, J. (2011). The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–59.

Xue, P., Wang, Z., Zhang, R., Wang, Y., & Liu, S. (2016). Highly efficient measurement technology based on hyper-spectropolarimetric imaging. Zhongguo Jiguang/Chinese Journal of Lasers, 43(8), 107–128. https://doi.org/10.3788/CJL201643.0811001




DOI: https://doi.org/10.30872/jimm.v8i3.9865

Refbacks

  • There are currently no refbacks.


Copyright (c) 2024 Jurnal Ilmu Manajemen Mulawarman (JIMM)


Crossref logo 

Editorial Address

Jurnal Ilmu Manajemen Mulawarman (JIMM)
Faculty of Economics and Business, Mulawarman University
Jl. Tanah Grogot No.1 Samarinda Kalimantan Timur 75119
Email: jimm.feb@gmail.com