The Influence of Financial Knowledge, Financial Attitude, and Personality on Financial Management Behavior on XYZ Islamic Boarding School Ponorogo

Defri Ramadan Wardiansyah, Nur Khusniyah Indrawati

Abstract


The presence of financial technology that often offers and discounts impacting on individual consumptive attitudes, which often makes individuals experience a condition of a financial deficit. This study aims to analyze the effect of financial knowledge, financial attitudes, and personality traits on personal financial management behavior. The population of this research is the teaching staff at one of the Islamic boarding schools in Ponorogo City. The sampling technique used in this study is the saturated sampling technique with a sample size of 31 respondents. The data analysis technique in this study used the PLS structural equation model with the help of the SmartPLS 3.0 program. There is a significant positive effect between financial attitudes and personal financial management behavior.


Full Text:

PDF

References


Ahillah, L. M., 2019. ‘Pengaruh financial attitude dan financial knowledge terhadap personal financial management behavior pada pegawai direktorat jenderal perbendaharaan’, Jurnal Ilmiah Mahasiswa FEB, Vol. 7, No 2.

Ajzen, I., 1991. ‘The theory of planned behavior’, Organizational behavior and human decision processes, pp. 179-211

Ajzen, Icek. 2005. Attitudes, Personality and Behavior (2nd ed.). Open University Press, New York.

Aprilia, Zenika. 2015. ‘Pengaruh Locus of Control, Financial Knowledge dan Personal Income terhadap Financial Management Behavior pada karyawan KPP Pratama Blitar’, Skipsi, Universitas Negeri Malang, Malang

Asaff, R., S. & Rahmayani, R., 2019. ‘Pengaruh financial attitude dan financial knowledge terhadap financial management behavior’, JEMMA | Jurnal of Economic Management and Accounting, pp. 9-22.

Azwar, Saifuddin. 2013. Sikap manusia: teori dan pengukurannya. Yogyakarta: Pustaka Pelajar.

Bertoni, M. et al., 2019. ‘Personality traits and financial behavior’, Health and socioeconomic status over the life course, pp. 49-56.

Caprara, G. V., & Cervone, D. (2000). Personality: determinants, dynamics, and potentials. Cambridge University Press.

Dwiastanti, A., 2017. ‘Analysis of financial knowledge and financial attitude on locus of control and financial management behavior’, Management and Business Review, pp. 1-8.

Ghozali, I. & Kusumadewi, K. A., 2016. Model persamaan struktural. Semarang: Yoga Pratama.

Humaira, I., 2018. ‘Pengaruh pengetahuan keuangan, sikap keuangan, dan kepribadian terhadap perilaku manajemen keuangan pada pelaku umkm sentra kerjainan batik kabupaten bantul’, Nominal, Barometer Riset Akuntansi dan Manajemen,Vol. 7, No. 1, pp. 96-110.

Kapoor, J. R., Dlabay, L. R., Hughes, R. J. & Hoyt, W. B., 2007. Business and Personal Finance. California: The McGraw-Hill Companies.

Kholilah, Naila Al & Iramani, Rr, 2013. ‘Studi financial management behavior pada masyarakat surabaya’, Journal of Business and Banking, Vol. 3, No. 1, pp. 69-80.

Maghfirah, S. (2019). Pemanfaatan barang bekas dalam meningkatkan kemampuan motorik halus anak. Aṭfāluna: Journal of Islamic Early Childhood Education, Vol. 2, No. 1, pp 48-52.

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. Dissertation Strata-3, State University of Texas, Texas.

Mien, N. T. N. & Thao, T. P., 2015. ‘Factors affecting personal financial management behaviors: evidence from vietnam’, Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference), p. 10.

Mubarok, M. H., 2017. ‘Pengaruh faktor demografi, pengetahuan keuanganan, personality traits terhadap perilaku pengelolaan keuangan keluarga’, Jurnal Ekonomi, Bisnis, Dan Akuntansi (JEBAV).

Nababan, D. & Sadalia, I., 2012. ‘Analisis personal financial literacy dan financial behavior mahasiswa strata i fakultas ekonomi universitas sumatera utara’, Media Informasi Manajemen, Vol. 1 No.1.

Nobriyani, A. P. & Haryono, N. A., 2019. ‘Faktor-faktor yang memengaruhi financial management behavior pada keluarga tki di kabupaten ponorogo’, Jurnal Ilmu Manajemen, Vol. 7, No. 3.

Notoatmodjo, Soekidjo. (2005). Promosi kesehatan teori dan aplikasi. Jakarta: PT. Asdi Mahasatya.

Notoatmodjo, Soekidjo. (2012). Promosi kesehatan dan perilaku kesehatan. Jakarta: Rineka Cipta.

Pankow, Debra. 2003. Financial, values, attitudes and, goals. North Dakota State University Fargo. North Dakota 58105

Pradiningtyas, T. E. & Lukiastuti, F., 2019. ‘Pengaruh pengetahuan keuangan dan sikap keuangan terhadap locus of control dan perilaku pengelolaan keuangan mahasiswa ekonomi’, Jurnal Minds: Manajemen Ide dan Inspirasi, pp. 96-112.

Schueffel, P., 2016. ‘Taming the beast: a scientific definition of fintech’, Journal of Innovation Management, Vol. 4 No. 4, pp. 32-54.

Setiawan, E., Wahyudi, S. & Mawardi, W., 2016. ‘Pengaruh sosial demografi, pengetahuan keuangan, dan sikap keuangan terhadap perilaku investasi keuangan individu (studi kasus pada karyawan swasta di kabupaten kudus)’, Doctoral dissertation, Diponegoro University, Semarang.

Shih, T. Y., & Ke, S. C. 2014. ‘Determinates of financial behavior: insights into consumer money attitudes and financial literacy’, Service Business, Vol. 8, No. 2, pp. 217-238.

Sina, P. G., 2014. ‘Tipe kepribadian dalam personal finance’, Jurnal JIBEKA Vol. 8, No. 1, pp. 54-59.

Subiaktono. 2013. ‘Pengaruh Personality Traits Terhadap Perencanaan Keuangan Keluarga’, Jurnal Dinamika Manajemen, Vol 4, No 2, Universitas Semarang

Sunaryo, S., & Kes, M. (2004). Psikologi untuk keperawatan. Jakarta: Rajawali Pers.




DOI: https://doi.org/10.24002/kinerja.v25i2.4772

Refbacks

  • There are currently no refbacks.