Pengaruh Financial Literacy, Financial Self-Efficacy, Dan Financial Attitude Terhadap Financial Management Behavior Pada Asn Kantor Kecamatan Di Wilayah Surabaya Selatan
DOI:
https://doi.org/10.31539/costing.v7i5.11461Keywords:
Financial Literacy, Financial Self-Efficacy, Financial Attitude, Financial Management BehaviorAbstract
Penelitian ini bertujuan untuk mengevaluasi pengaruh literasi keuangan, efikasi diri keuangan, dan sikap keuangan terhadap perilaku manajemen keuangan pada ASN di kantor kecamatan di wilayah Surabaya Selatan. Penelitian ini melibatkan dua jenis variabel, yaitu variabel independen dan variabel dependen. Variabel independen yang dianalisis mencakup literasi keuangan, efikasi diri keuangan, dan sikap keuangan, sementara variabel dependen yang dianalisis adalah perilaku manajemen keuangan. Teori yang digunakan meliputi theory of planned behavior, literasi keuangan, efikasi diri keuangan, sikap keuangan, dan perilaku manajemen keuangan. Penelitian ini menggunakan metode kuantitatif dengan teknik pengumpulan data menggunakan kuesioner. Populasi penelitian ini adalah ASN di kantor kecamatan di wilayah Surabaya Selatan dengan jumlah sampel sebanyak 216 pegawai. Teknik pengambilan sampel yang digunakan adalah proportional sampling. Data dalam penelitian ini dianalisis menggunakan regresi linear berganda dan pengujian hipotesis dilakukan dengan uji t. Hasil penelitian menunjukkan bahwa literasi keuangan, efikasi diri keuangan, dan sikap keuangan semuanya berpengaruh positif dan signifikan terhadap perilaku manajemen keuangan.
References
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Bapat, D.M. (2020). Segmenting young adults based on financial management behavior in India. International Journal of Bank Marketing, 38(2), 548-560. https://doi.org/10.1108/IJBM-01-2019-0016.
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Chong, Kok F., Sabri, Mohamad F., Magli, Amirah S., Abd Rahim, Husniyah. (2021). The Effects of Financial Literacy, Self-Efficacy and Self-Coping on Financial Behavior of Emerging Adults. Journal of Asian Finance, Economics and Business, 8(3), 905–915. doi:10.13106/jafeb.2021.vol8.no3.0905.
Creswell, J. W., & Creswell, J. D. (2018). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches. 5th Edition. London: Sage Publications Ltd.
Danes, S.M., dan Haberman, H.R. (2007). Teen Financial Knowledge, Self-Efficacy, and Behavior: A Gendered View. Financial Counseling and Planning, 18(2), 48-60. https://www.afcpe.org/assets/pdf/7-2866-volume-18-issue-2.pdf.
Firli, A., dan Hidayati, N. (2021). The Influence of Financial Knowledge, Financial Attitude, and Personality Towards Financial Management Behavior on Productive Age Population. Review of Integrative Business and Economics Research, 10(3), 43-55. https://www.proquest.com/ openview/208a3db5a6579105b1bced06a93b27f6/1?pq-origsite=gscholar&cbl=2032316
Gazali., Bakkareng., dan Ardiany, Y. (2022). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior Pada Pegawai Pelabuhan Perikanan Samudera Bungus. Pareso Jurnal, 4(1), 129 – 148. https://ejurnal-unespadang.ac.id/index.php/PJ/article/ view/522
Ghozali, I. (2016). Aplikasi Analisis Multivariete Dengan Program IBM SPSS. Semarang: Badan Penerbit Universitas Diponegoro.
Halim, Miske A., dan Setyawan, Ignatius R. (2021). Determinant Factors of Financial Management Behavior Among People in Jakarta During COVID-19 Pandemic. Advances in Social Science, Education and Humanities Research, 570, 131-136. doi:10.2991/assehr.k.210805.021.
Herawati, Nyoman, T., Candiasa, I., Yadnyana, I., dan Suharsono, N. (2018). Factors That Influence Financial Behavior Among Accounting Students in Bali. International Journal of Business Administration, 9(3), 30-38. doi:10.5430/ijba.v9n3p30.
Herdjiono, Damanik. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan. 9(3), 226–41. https://doi.org/10.20473/jmtt.v9i3.3077.
Ho, Robert. (2014). Handbook of Univariate and Multivariate Data Analysis with IBM SPSS. Second Edition. New York: Taylor & Francis Group.
Hsien-Ming, S., Chen, Bryan H., Chen, Mei-Hua., Ching-Hsin, Wang., & Wang, Li-Fen. (2022). A study of the financial behavior based on the theory of planned behavior. International Journal of Marketing Studies, 14(2), 1-12. doi: 10.5539/ijms.v14n2p1.
Iriani, Agustina R., Rahayu, Caecilia W., dan Rahmawati, Christina H. (2021). The Influence of Demographic Factors and Financial Literacy on the Financial Behavior. Jurnal Kajian Manajemen Bisnis, 10(1), 33-45. https://doi.org/10.24036/jkmb.11220500.
Kamela, Ahlam M., dan Sahid, Sheerad. (2021). Financial Literacy and Financial Behaviour of University Students in Malaysia. Turkish Online Journal of Qualitative Inquiry, 12(9), 1208-1220. https://www.tojqi.net/index.php/journal/article/ view/5863/4165
Latifah., dan Wiyanto, H. (2019). Faktor Yang Mempengaruhi Financial Behavior Pada Pengguna E-Wallet di Jakarta Barat. Jurnal Manajerial dan Kewirausahaan. 5(2), 373-382. https://doi.org/10.24912/jmk.v5i2.23406.
Lown, M. J. (2011). 2011 Outstanding AFCPE Conference Paper: Development and Validation of a Financial Self Efficacy Scale. Journal of Financial Counseling and Planning, 22(2), 54–63.
Lusardi, A., Mitchell, O. S., and Curto, V. (2010). Financial Literacy among the Young. The Journal of Consumer Affairs, 44(2), 358-380. https://doi.org/10.1111/j.1745-6606.2010.01173.x.
Malebana, M. J. (2014). Entrepreneurial Intentions and Entrepreneurial Motivation of South African Rural University Students. Journal of Economics and Behavioral Studies, 6(9), 709–726. https://doi.org/10.22610/ jebs.v6i9.531.
Malhotra, N., Nunan, D., & Birks, D. (2017). Marketing Research: An Applied Approach. Prentice Hall.
Nguyen, H. T. (2016). Financial Self-Efficacy Scale: Development and Validation of a Measurement Tool. Disertassion. Faculty of The Graduate School of The University of Minnesota.
Pramedi, Anglia D., dan Asandimitra, N. (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), 572-586. https://doi.org/10.26740/jim.v9n2.p572-586.
Prihartono, Rizky, D., dan Asandimitra, Nadia. (2018). Analysis Factors Influencing Financial Management Behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8), 308-326. http://dx.doi.org/10.6007 /IJARBSS/v8-i8/4471.
Putri, Mery H., dan Pamungkas, Ary S. (2019). Pengaruh Financial Knowledge, Locus of Control dan Financial Self Efficacy Terhadap Financial Behavior. Jurnal Manajerial dan Kewirausahaan. 1(4), 890-899. https://doi.org/ 10.24912/jmk.v1i4.6591.
Rahmawati, Umi., dan Marcella, Eka. (2023). Locus of Control, Financial Knowledge, Financial Attitude, Financial Self- Efficacy, and Social Economic Status as Antecedents of Financial Management Behavior. Journal of Management and Business Insight. 1(1), 62-72. https://doi.org/10.12928/jombi.v1i1.561.
Reswari, Anggina D., Sudarto., dan Widiastuti, E. (2018). The Influence of Financial Literacy Towards Financial Behavior. Journalof Research in Management. 1(2), 11-17. doi:10.32424/jorim.v1i2.28.
Rizky, Dyah P., Sirat, Abdul H., dan Dharma, Putri E. (2023). Impact of Financial Literacy and Attitude on Resource Allocation Actors' Locus of Control as a moderating variable in the Small and Medium Food Industry. Jurnal Manajemen Bisnis. 10(2), 796-805. https:doi.org/10.33096/jmb.v10i2.671.
Setianingsih, D., Dewi, M., dan Chanda, A. (2022). The Effect of Financial Knowledge, Financial Planning, Internal Locus of Control, and Financial Self-Efficacy on Financial Management Behavior: A Case Study of SMES Grocery Stores. Jurnal Samudra Ekonomika, 6(1), 19-30. https://ejurnalunsam.id/index.php/jse/article/view/5068.
Subha, M. V. (2014). A Study on the Factors Determining Financial Literacy of Households. International Journal of Advanced Information Science and Technology (IJAIST), 22(22), 15-290.
Sulhan, M., dan Choiruddin, Muhammad, N. (2020). Analysis of the Impact of Financial Knowledge, Financial Attitudes and Personality on Financial Management Behaviors in Creative Industries. Advances in Social Science, Education and Humanities Research, 529, 549-557. doi:10.2991/assehr.k.210421.081.
Tangngisalu, J. (2020). Pengaruh Financial Attitude dan Financial Knowledge Terhadap Financial Management Behavior Pada Mahasiswa Berinvestasi. Jurnal Administrasi Bisnis. 5(1), 13-31. http://ojs.uho.ac.id/index.php/ BUSSINESUHO/article/view/12404.
Tasman, A., Efendi, D. A., dan Masdupi, E. (2018). Analysis of Personal Financial Management Behavior in Higher Education Student. Jurnal Kajian Manajemen Bisnis. 7(1), 1-13. doi:10.2403/jkmb.10881600.
Wahyuni, Eka D., dan Raprayogha, R. (2021). Pengaruh Financial Knowledge, Financial Attitude, Financial Experience, dan Income Terhadap Financial Behavior Pada Nasabah KPN Al-Muawwanah UIN Alauddin Makassar. Study of Scientific and Behavioral Management (SSBM), 2(2), 72-81. https://journal.uin-alauddin.ac.id/index.php/ssbm/ article/view/21141
Xiao, J. J., & Dew, J. (2011). The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43-59. http://afcpe.org/journal-articles.php?volume=387&article =403
Zikmund, Carr, B & Griffin. (2018) Business Research Method. USA: Cengage Learning.
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.
Andriyani, Luh., dan Cipta, Wayan. (2023). Pengaruh Income dan Financial Knowledge serta Locus of Control terhadap Financial Management Behavior. Jurnal Ilmiah Akuntansi dan Humanika, 13(1), 13-22. https://ejournal.undiksha.ac.id/ index.php/JJA
Anggraini, V., Sriyunianti, F., dan Yentifa, A. (2022). Pengaruh Financial Literacy, Financial Attitude dan Locus of control terhadap Financial Management Behavior (Studi Kasus pada Mahasiswa Bidikmisi dan Non Bidikmisi Jurusan Akuntansi Politeknik Negeri Padang). Jurnal Akuntansi, Bisnis dan Ekonomi Indonesia, 1(1), 116-128. https://doi.org/10.30630/jabei.v1i1.21.
Azzahra, T., dan Kartini. (2022). Pengaruh Financial Technology Payment, Financial Attitude, dan Financial Knowledge terhadap Financial Management Behavior bagi Mahasiswa di Yogyakarta. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, 1(2), 78-91. https://journal.uii.ac.id/selma/ article/view/24352.
Bapat, D.M. (2020). Segmenting young adults based on financial management behavior in India. International Journal of Bank Marketing, 38(2), 548-560. https://doi.org/10.1108/IJBM-01-2019-0016.
Bungin, B. (2017). Metodologi Penelitian Kuantitatif. Jakarta: Kencana.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/S1057-0810(99)80006-7.
Chong, Kok F., Sabri, Mohamad F., Magli, Amirah S., Abd Rahim, Husniyah. (2021). The Effects of Financial Literacy, Self-Efficacy and Self-Coping on Financial Behavior of Emerging Adults. Journal of Asian Finance, Economics and Business, 8(3), 905–915. doi:10.13106/jafeb.2021.vol8.no3.0905.
Creswell, J. W., & Creswell, J. D. (2018). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches. 5th Edition. London: Sage Publications Ltd.
Danes, S.M., dan Haberman, H.R. (2007). Teen Financial Knowledge, Self-Efficacy, and Behavior: A Gendered View. Financial Counseling and Planning, 18(2), 48-60. https://www.afcpe.org/assets/pdf/7-2866-volume-18-issue-2.pdf.
Firli, A., dan Hidayati, N. (2021). The Influence of Financial Knowledge, Financial Attitude, and Personality Towards Financial Management Behavior on Productive Age Population. Review of Integrative Business and Economics Research, 10(3), 43-55. https://www.proquest.com/ openview/208a3db5a6579105b1bced06a93b27f6/1?pq-origsite=gscholar&cbl=2032316
Gazali., Bakkareng., dan Ardiany, Y. (2022). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior Pada Pegawai Pelabuhan Perikanan Samudera Bungus. Pareso Jurnal, 4(1), 129 – 148. https://ejurnal-unespadang.ac.id/index.php/PJ/article/ view/522
Ghozali, I. (2016). Aplikasi Analisis Multivariete Dengan Program IBM SPSS. Semarang: Badan Penerbit Universitas Diponegoro.
Halim, Miske A., dan Setyawan, Ignatius R. (2021). Determinant Factors of Financial Management Behavior Among People in Jakarta During COVID-19 Pandemic. Advances in Social Science, Education and Humanities Research, 570, 131-136. doi:10.2991/assehr.k.210805.021.
Herawati, Nyoman, T., Candiasa, I., Yadnyana, I., dan Suharsono, N. (2018). Factors That Influence Financial Behavior Among Accounting Students in Bali. International Journal of Business Administration, 9(3), 30-38. doi:10.5430/ijba.v9n3p30.
Herdjiono, Damanik. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan. 9(3), 226–41. https://doi.org/10.20473/jmtt.v9i3.3077.
Ho, Robert. (2014). Handbook of Univariate and Multivariate Data Analysis with IBM SPSS. Second Edition. New York: Taylor & Francis Group.
Hsien-Ming, S., Chen, Bryan H., Chen, Mei-Hua., Ching-Hsin, Wang., & Wang, Li-Fen. (2022). A study of the financial behavior based on the theory of planned behavior. International Journal of Marketing Studies, 14(2), 1-12. doi: 10.5539/ijms.v14n2p1.
Iriani, Agustina R., Rahayu, Caecilia W., dan Rahmawati, Christina H. (2021). The Influence of Demographic Factors and Financial Literacy on the Financial Behavior. Jurnal Kajian Manajemen Bisnis, 10(1), 33-45. https://doi.org/10.24036/jkmb.11220500.
Kamela, Ahlam M., dan Sahid, Sheerad. (2021). Financial Literacy and Financial Behaviour of University Students in Malaysia. Turkish Online Journal of Qualitative Inquiry, 12(9), 1208-1220. https://www.tojqi.net/index.php/journal/article/ view/5863/4165
Latifah., dan Wiyanto, H. (2019). Faktor Yang Mempengaruhi Financial Behavior Pada Pengguna E-Wallet di Jakarta Barat. Jurnal Manajerial dan Kewirausahaan. 5(2), 373-382. https://doi.org/10.24912/jmk.v5i2.23406.
Lown, M. J. (2011). 2011 Outstanding AFCPE Conference Paper: Development and Validation of a Financial Self Efficacy Scale. Journal of Financial Counseling and Planning, 22(2), 54–63.
Lusardi, A., Mitchell, O. S., and Curto, V. (2010). Financial Literacy among the Young. The Journal of Consumer Affairs, 44(2), 358-380. https://doi.org/10.1111/j.1745-6606.2010.01173.x.
Malebana, M. J. (2014). Entrepreneurial Intentions and Entrepreneurial Motivation of South African Rural University Students. Journal of Economics and Behavioral Studies, 6(9), 709–726. https://doi.org/10.22610/ jebs.v6i9.531.
Malhotra, N., Nunan, D., & Birks, D. (2017). Marketing Research: An Applied Approach. Prentice Hall.
Nguyen, H. T. (2016). Financial Self-Efficacy Scale: Development and Validation of a Measurement Tool. Disertassion. Faculty of The Graduate School of The University of Minnesota.
Pramedi, Anglia D., dan Asandimitra, N. (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), 572-586. https://doi.org/10.26740/jim.v9n2.p572-586.
Prihartono, Rizky, D., dan Asandimitra, Nadia. (2018). Analysis Factors Influencing Financial Management Behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8), 308-326. http://dx.doi.org/10.6007 /IJARBSS/v8-i8/4471.
Putri, Mery H., dan Pamungkas, Ary S. (2019). Pengaruh Financial Knowledge, Locus of Control dan Financial Self Efficacy Terhadap Financial Behavior. Jurnal Manajerial dan Kewirausahaan. 1(4), 890-899. https://doi.org/ 10.24912/jmk.v1i4.6591.
Rahmawati, Umi., dan Marcella, Eka. (2023). Locus of Control, Financial Knowledge, Financial Attitude, Financial Self- Efficacy, and Social Economic Status as Antecedents of Financial Management Behavior. Journal of Management and Business Insight. 1(1), 62-72. https://doi.org/10.12928/jombi.v1i1.561.
Reswari, Anggina D., Sudarto., dan Widiastuti, E. (2018). The Influence of Financial Literacy Towards Financial Behavior. Journalof Research in Management. 1(2), 11-17. doi:10.32424/jorim.v1i2.28.
Rizky, Dyah P., Sirat, Abdul H., dan Dharma, Putri E. (2023). Impact of Financial Literacy and Attitude on Resource Allocation Actors' Locus of Control as a moderating variable in the Small and Medium Food Industry. Jurnal Manajemen Bisnis. 10(2), 796-805. https:doi.org/10.33096/jmb.v10i2.671.
Setianingsih, D., Dewi, M., dan Chanda, A. (2022). The Effect of Financial Knowledge, Financial Planning, Internal Locus of Control, and Financial Self-Efficacy on Financial Management Behavior: A Case Study of SMES Grocery Stores. Jurnal Samudra Ekonomika, 6(1), 19-30. https://ejurnalunsam.id/index.php/jse/article/view/5068.
Subha, M. V. (2014). A Study on the Factors Determining Financial Literacy of Households. International Journal of Advanced Information Science and Technology (IJAIST), 22(22), 15-290.
Sulhan, M., dan Choiruddin, Muhammad, N. (2020). Analysis of the Impact of Financial Knowledge, Financial Attitudes and Personality on Financial Management Behaviors in Creative Industries. Advances in Social Science, Education and Humanities Research, 529, 549-557. doi:10.2991/assehr.k.210421.081.
Tangngisalu, J. (2020). Pengaruh Financial Attitude dan Financial Knowledge Terhadap Financial Management Behavior Pada Mahasiswa Berinvestasi. Jurnal Administrasi Bisnis. 5(1), 13-31. http://ojs.uho.ac.id/index.php/ BUSSINESUHO/article/view/12404.
Tasman, A., Efendi, D. A., dan Masdupi, E. (2018). Analysis of Personal Financial Management Behavior in Higher Education Student. Jurnal Kajian Manajemen Bisnis. 7(1), 1-13. doi:10.2403/jkmb.10881600.
Wahyuni, Eka D., dan Raprayogha, R. (2021). Pengaruh Financial Knowledge, Financial Attitude, Financial Experience, dan Income Terhadap Financial Behavior Pada Nasabah KPN Al-Muawwanah UIN Alauddin Makassar. Study of Scientific and Behavioral Management (SSBM), 2(2), 72-81. https://journal.uin-alauddin.ac.id/index.php/ssbm/ article/view/21141
Xiao, J. J., & Dew, J. (2011). The Financial Management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43-59. http://afcpe.org/journal-articles.php?volume=387&article =403
Zikmund, Carr, B & Griffin. (2018) Business Research Method. USA: Cengage Learning.
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2024-08-22
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