Abstract
<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>
Highlights
The development of the financial world today gives people many choices in making financial decisions
This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior
The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior
Summary
The development of the financial world today gives people many choices in making financial decisions. A variety of new and varied financial products require people to understand them more deeply if they want to use them. This is necessary to avoid making bad financial decisions or in other words, poor financial behavior. Individual finance can be managed well if the financial behavior of the individual is responsible. Financial behavior is one issue that is widely discussed today. This has an impact on the many phenomena that arise in Indonesian society regarding poor financial management. To minimize unfavorable financial behavior, every individual must have an understanding of good finance so that they can avoid financial problems that might occur
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