PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE DAN SELF-CONTROL TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA MAHASISWA PENERIMA KIP KULIAH UNIVERSITAS PGRI SEMARANG ANGKATAN 2021

Authors

  • Mandariska Dara Aprillia Universitas PGRI Semarang Author
  • Ika Indriasari Universitas PGRI Semarang Author
  • Rr Hawik Ervina I Universitas PGRI Semarang Author

DOI:

https://doi.org/10.69714/m1whb715

Keywords:

financial knowledge, Financial attitude, Self-control, Financial management behavior

Abstract

The purpose of this study is to determine how financial knowlede, financial attitude, self-control affect the financial management behavior of students who receive KIP Lecture at PGRI Semarang University in 2021. This research applies quantitative methods. The total sample taken was 142 students who received KIP Lecture at PGRI Semarang University from the Class of 2021. The sampling technique used was purposive sampling. To analyze the data, the software used is SPSS for Windows version 26. The findings of this study indicate that financial knowledge has no effect on financial management behavior on the contrary, both financial attitude and self-control have an influence on this behavior. The Summary Table reveals that the Adjusted value is 0.565 x 100% = 56.5%.

References

DAFTAR PUSTAKA

Anwar, M. R. F. Leon, F. M. (2022). Faktor – Faktor Yang Mempengaruhi Financial Behavior Pada Generasi Z Di Dki Jakarta. Jurnal Ilmu Manajemen Saburai (JIMS), 8(2), 145–162. https://doi.org/10.24967/jmb.v8i2.1788

Ayunissa, C. A. (2024). Pengaruh Self Control dan Lifestyle Terhadap Financial Management Behaviour Mahasiswa FEBI UIN SAIZU Purwokerto. JOMI: Jurnal Organisasi Dan Manajemen Indonesia, 3(1), 67–77.

Humaira, I. Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku Umkm Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi Dan Manajemen, 7(1). https://doi.org/10.21831/nominal.v7i1.19363

Indonesia, B. (2024). Tinjauan Kebijakan Moneter 2024. Publikasi Departemen Komunikasi. Tinjauan Kebijakan Moneter 2024 Publikasi Departemen Komunikasi. https://www.bi.go.id/id/publikasi/laporan/Pages/TKM-Desember-2024.aspx

Kemdikbud. (2024). Pedoman Pendaftaran KIP Kuliah Merdeka 2024. Kementrian Pendidikan Dan Kebudayaan Republik Indonesia, 23. https://lldikti6.kemdikbud.go.id/wp-content/uploads/2022/08/PUSLAPDIK-20220725-Bahan-Pendampingan-KIPK-LLDIKTI-PTS.pdf

Khoirunnisa, R. A. Purnamasari, P. E. (2024). Literasi Keuangan Memoderasi Hubungan FoMO, Love of Money, dan Self Control terhadap Pengelolaan Keuangan Pribadi. 8(2), 724–739.

Laga, A., Hizazi, A., & Yuliusman. (2023). The Effect of Financial Literacy, Financial Attitude, Locus of Control, and Lifestyle on Financial Management Behavior (Case Study on Undergraduate Accounting Study Program Students Faculty of Economics and Business Jambi University). Indonesian Journal of Economic & Management Sciences, 1(4), 459–480. https://doi.org/10.55927/ijems.v1i4.4977

Otoritas Jasa Keungan. (2024). Survei Nasional Literasi dan Inklusi Keuangan. https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-(SNLIK)-2024.aspx

Perekonomian, M. (2023). Dorongan Pertumbuhan Ekonomi, Menko Airlangga Ungkap Sejumlah Kebijakan Pemerintah Termasuk Melanjutkan Program Bantuan Sosial. Siaran Pers. https://ekon.go.id/publikasi/detail/5021/dorong-pertumbuhan-ekonomi-menko-airlangga-ungkap-sejumlah-kebijakan-pemerintah-termasuk-melanjutkan-program-bantuan-sosial

Putri, N. Andarini, S. (2022). Pengaruh Self Control dan Financial Attitude terhadap Financial Management Behavior pengguna Layanan Buy Now Pay Later. Jurnal Ekonomi Akuntansi Dan Manajemen, 21(1), 60. https://doi.org/10.19184/jeam.v21i1.30594

Sari, A. A. Sasanti, E. E. (2024). Pengaruh Pendapatan, Financial Attitude, Financial Knowledge, Self-Efficiancy, Dan Self-Control Terhadap Mataram. 4(3), 469–488.

Statistik, B. P. (2024). Tingkat Pengangguran dan Rata-rata Upah Buruh. https://www.bps.go.id/id/pressrelease/2024/05/06/2372/tingkat-pengangguran-terbuka--tpt--sebesar-4-82-persen-dan-rata-rata-upah-buruh-sebesar-3-04-juta-rupiah-per-bulan.html

Velya A. Fera S. Armel Y. (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 (JABEI), 1(1), 116–128. https://doi.org/10.30630/jabei.v1i1.21

Wibowo, A. S., & Dewi, A. S. (2021). Pengaruh Financial Attitude, Financial Knowledge, Dan Parental Income Terhadap Financial Management Behavor (Objek Studi: Mahasiswa Di Provinsi Jawa Barat). E-Proceeding of Management, 8(2), 913–920.

Yuniawati, W. Devyanthi S. Tjipto S. (2024). Pengaruh Financial Knowledge, Financial Attitude, Locus of Control dan Lifestyle terhadap Financial Behaviour pada Mahasiswa di Kota Bandung. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 10(2), 1098–1108. https://doi.org/10.35870/jemsi.v10i2.2270

Downloads

Published

25-06-2025

How to Cite

PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE DAN SELF-CONTROL TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA MAHASISWA PENERIMA KIP KULIAH UNIVERSITAS PGRI SEMARANG ANGKATAN 2021 (M. Dara Aprillia, I. . Indriasari, & Rr Hawik Ervina I , Trans.). (2025). Jurnal Ilmiah Manajemen Dan Akuntansi, 2(4), 20-27. https://doi.org/10.69714/m1whb715