FINANCIAL MANAGEMENT BEHAVIOUR: ANTECENDENT DAN KONSEKUENSI (Studi Kasus: Puskesmas Wedung 1 Kabupaten Demak)
DOI:
https://doi.org/10.37932/j.e.v12i1.412Kata Kunci:
, financial literacy, financial self-efficacy, intention, financial management behaviorAbstrak
Tujuan penelitian ialah mengetahui serta melakukan analisis pengaruhnya financial literacy serta financial selfeficacy pada financial management behavior yang menjadi variabel intervening. Jenis penelitian adalah kuantitatif dan teknik pengumpulan datanya memakai kuesioner. Sampel sebanyak 68 pegawai Puskesmas Wedung 1 Kabupaten Demak. Teknik mengambil sampelnya memakai non probability sampling yang berjenis sampling jenuh.Teknik analisis yang digunakan dalam penelitian ini menggunakan teknik analisis jalur (Path Analysis). Proses pengolahan dan analisisnya dengan SPSS ver.22 for windows. Hasil penelitian adalah financial literacy berpengaruh positif namun tidak signifikan pada financial management behavior, dan financial self-efficacy berpengaruh positif dan signifikan pada financial management behavior. Kemudian, financial literacy berpengaruh langsung dan signifikan terhadap niat. Financial self efficacy berpengaruh langsung dan signifikan terhadap niat. Dalam penelitian berikut juga menunjukkan jika niat tidak mampu memediasi financial literacy terhadap financial management behavior. Tapi niat mampu memediasi financial self-efficacy terhadap financial management behavior dengan pengaruhnya signifikan. Adapun implikasi dari hasil temuan ini yaitu apabila setiap insan memiliki pengetahuan dasar keuangan seperti financial literacy maka orang tersebut mampu meminimalisir resiko dengan memanfaatkan pengetahuannya dalam kehidupan sehari-hari. Begitu pula dengan tingkat financial self-efficacy, merupakan bentuk seberapa yakinnya orang tersebut terhadap kemampuannya untuk mengelola keuangan dengan memanfaatkan pengalaman, penguasaan dan cara mengontrol emosional dengan begitu niat yang telah direncanakan tidak akan hanya menjadi sebuah niat, akan tetapi bisa terwujud sesuai dengan nilai prioritasnya dengan tetap melakukan evaluasi untuk membawa status kesejahteraan dalam keuangan lebih baik. The purpose of this study is to determine and analyze the influence of financial literacy and financial self-efficacy on financial management behavior which is the intervening variable. The type of research is quantitative and the data collection technique is using a questionnaire. The sample in this study were 68 employees of the Wedung 1 Public Health Center, Demak Regency. The sampling technique uses non-probability sampling, which is a saturated sampling type. Processing and analysis with SPSS ver.22 for windows. The results of the study are that financial literacy has a positive but not significant effect on financial management behavior, and financial self-efficacy has a positive and significant effect on financial management behavior. Then, financial literacy has a direct and significant effect on intention. Financial self-efficacy has a direct and significant effect on intention. The following research also shows that intention is not able to mediate financial literacy on financial management behavior. But intention is able to mediate financial self-efficacy on financial management behavior with a significant effect. The implications of these findings are that if every person has basic financial knowledge such as financial literacy, then that person is able to minimize risk by utilizing his knowledge in everyday life. Likewise, the level of financial self-efficacy is a form of how confident the person is in his ability to manage finances by utilizing experience, mastery and emotional control so that the planned intention will not only become an intention, but can be realized according to his priority values. while continuing to evaluate to bring the welfare status in finance better.Referensi
Aizen, Icek, and Jane Klobas. 2013. “Fertility Intentions.” Demographic Research 29(December):203–32. doi: 10.4054/demres.2013.29.8.
Ajzen, Icek. 1991. “The Theory of Planned Behavior.” Organizational Behavior and Human Decision Processes 50(2):179–211. doi: 10.1016/0749-5978(91)90020-T.
Ajzen, Icek. 2005. “The Influence of Attitudes on Behavior.” The Handbook of Attitudes (January 2005):187–236. doi: 10.4324/9781410612823-13.
Akmal, Huriyatul, and Yogi E. K. A. Saputra. 2016. “Analisis Tingkat Literasi Keuangan.” Jebi (Jurnal Ekonomi Dan Bisnis Islam) 1(2):235–44.
Chairat Rais, Ummul, and Hanifah Ayu Rachmawati. 2019. “Influence of Family Environment, Social Environment, Self Efficacy, Self Motivation and Financial Literacy to Entrepreneurship Intention: A Study on Indonesian College Students.” SSRN Electronic Journal. doi: 10.2139/ssrn.3489671.
Dew, Jeffery, and Jing Jian Xiao. 2011. “The Financial Management Behavior Scale: Development and Validation.” Journal of Financial Counseling and Planning 22(1):43–59.
Gilman, Eric. 2002. “Guidelines for Coastal and Marine Site-Planning and Examples of Planning and Management Intervention Tools.” Ocean and Coastal Management 45(6–7):377–404. doi: 10.1016/S0964-5691(02)00076-5.
Kholilah, Naila Al, and Rr. Iramani. 2013. “Studi Financial Management Behavior Pada Masyarakat Surabaya.” Journal of Business and Banking 3(1):69. doi: 10.14414/jbb.v3i1.255.
Lusardi, Annamaria, and Olivia S. Mitchell. 2007. “Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel.” SSRN Electronic Journal. doi: 10.2139/ssrn.1095869.
OJK. 2014. “Siaran Pers, OJK Dan LJK Dorong Layanan Keuangan Mikro Untuk Perluasan Akses Keuangan Masyarakat.” 29600000(2):2–4.
Rikziana, Yashica Putri, and Kartini. 2017. “Analisis Tingkat Financial Literacy Dan Financial Behavior Mahasiswa S-1 Fakultas Ekonomi Universitas Islam Indonesia.” Efektif Journal Ekonomi Dan Bisnis 7(1):76–99.
Udayanthi, Nyoman Olivia, Nyoman Trisna Herawati, and I. Putu Julianto. 2018. “Pengaruh Literasi Keuangan, Kualitas Pembelajaran Dan Pengendalian Diri Terhadap Perilaku Konsumtif (Studi Empiris Pada Mahasiswa Jurusan Akuntansi Program S1 Universitas Pendidikan Ganesha).” JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) 9(2):195–208.
Widiawati, Mega. 2020. “Pengaruh Literasi Keuangan, Locus of Control , Financial Self-Efficacy, Dan Love of Money Terhadap Manajemen Keuangan Pribadi.” Prisma (Platform Riset Mahasiswa Akuntansi) 1(1):97–108.
Yohana, Ida. 2010. “Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior.” Jurnal Bisnis Dan Akuntansi 12(3):131–44.
Zahriyan, Moch. Zakki. 2016. “Pengaruh Literasi Keuangan Dan Sikap Terhadap Uang Pada Perilaku Pengelolaan Keuangan Keluarga.” Journal of Business and Banking 1:1–10.
Zainiati, Nia. 2017. “Pengaruh Locus Of Control Dan Sikap Keuangan Yang Dimediasi Oleh Niat Terhadap Perilaku Pengelolaan Keuangan Keluarga.”
##submission.downloads##
Diterbitkan
Cara Mengutip
Terbitan
Bagian
Lisensi
Copyright Notice
Copyright
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License that allows others to share the work with an acknowledgment of initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process, as it can lead to productive exchanges and earlier and greater citation of published work (See The Effect of Open Access).
License
You are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material
- for any purpose, even commercially.
Under the following terms:
-
Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
-
ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Jurnal Ekobis: Ekonomi Bisnis & Majemen is licenced under Creative Commons Attribution-ShareAlike 4.0 International (CC BY-SA 4.0).
Privacy Statement
The names and email addresses entered in this journal site will be used exclusively for the stated purposes of this journal and will not be made available for any other purpose or to any other party.