PENGARUH DEMOGRAFI, FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, LOCUS OF CONTROL DAN FINANCIAL SELF-EFFICACY TERHADAP FINANCIAL MANAGEMENT BEHAVIOR MASYARAKAT SURABAYA
Abstract: This study aimed to
analyze the influence of income, gender, age, financial knowledge, financial
attitude, a locus of control and financial self-efficacy on financial
management behavior of Surabayas citizen. This type of research is quantitative
and conclusive research in the form of causality. The data that be in this
research, taken from interview and questionnaire with the 215 respondent. The
data analysis technique used multiple linear regression and using IBM SPSS
version 24. The result showed that the only locus of control and financial self
efficacy significantly effect on financial management behavior, while income,
gender, age, financial knowledge, and financial attitude dont have any effect
on financial management behavior. Income doesnt have an effect on financial
management behavior due to lack of research limits in determining the criteria
of respondents, such as marital status, the number of dependents and other.
Gender doesnt have an effect on financial management behavior because both
women and men have an equal opportunity to financial management wisely. Age
doesnt have an effect on financial management behavior because the respondents
in this study consisted of various age, as long as still have income hence both
young age and old age have an opportunity to financial management wisely.
Financial knowledge doesnt have an effect on financial management behavior
because respondents in this study have a different background, so the financial
knowledge owned also different. Financial attitude doesnt have an effect on
financial management behavior because there are differences among respondents
to respond financial situation.
Keywords: Financial management
behavior, demography, financial attitude, locus of control, financial
self-efficacy
Penulis: NUR LAILI RIZKIAWATI,
NADIA ASANDIMITRA HARYONO
Kode Jurnal: jpmanajemendd180486
