Abstract
Background – College students are one component of society that plays an important role for the change of the nation (agent of change). At this moment they are in a situation where they face financial independence and start making responsible decisions. Financial education can be done by providing understanding to the public, especially the younger generation about finances and their management that is good and wise, that is why, financial knowledge is needed. Today's society tends to buy things as they wish, so, financial knowledge requires skills and tools for individuals to be able to provide financial decisions and with confidence can manage individual welfare efficiently. Good personal financial management must have at least knowledge so that individuals can apply their knowledge based on their financial attitudes. Purpose - Determine and analyze the factors that influence the behavior of financial management of college students, focusing on Economics and Business, in Gresik Regency. Design / methodology / approach – This research methodology uses a descriptive quantitative approach. Chosen population was 2,636 college students and the sample used was 347 students. Data collection taken by questionnaires and analysis was using multiple linear regression. Finding - Three research variables (1) Financial Attitude, (2) Financial Knowledge, and (3) Locus of Control have an influence on the Financial Management Behavior. College students who tend to have a good financial attitude then they have good financial behavior in managing personal finances. College students with financial knowledge will better understand financial problems and be better in terms of financial behavior. College students who have a good locus of control will be able to measure the risks that occur so that they can easily make a decision and their finances tend to have a level of trust, confidence and good control over their financial management. Research Implication – This research has implications for assessing student behavior in managing personal finances in an effort to meet the needs of education and daily life. Limitation – In assessing financial management behavior (Financial Management Behavior), this research student only uses 3 variables, namely Financial Attitude, Financial Knowledge, and Locus of Control.
Highlights
Chosen population was 2,636 college students and the sample used was 347 students
Finding - Three research variables (1) Financial Attitude, (2) Financial Knowledge, and (3) Locus of Control have an influence on the Financial Management Behavior
College students who have a good locus of control will be able to measure the risks that occur so that they can make a decision and their finances tend to have a level of trust, confidence and good control over their financial management
Summary
Kemampuan untuk memahami, menunjukkan bahwa semakin baik sikap menganalisis dan mengelola keuangan atau mental keuangan seseorang maka untuk membuat suatu keputusan perilaku keuangan seseorang tersebut keuangan yang tepat agar terhindar dari semakin baik. Kehidupan yang terhadap keuangan pribadinya maka individu tersebut semakin baik dalam melakukan manajemen keuangan. Sehingga dirumuskan hipotesis sebagai berikut : H2: Financial Knowledge berpengaruh terhadap Financial Management Behavior. Amanah et al (2016), mengatakan bahwa ketika external locus of control seseorang semakin tinggi maka perilaku pengelolaan keuangannya juga akan semakin buruk yang menyatakan bahwa locus of control berpengaruh terhadap financial management behavior. Sehingga dirumuskan hipotesis sebagai berikut : H3: Locus Of Control berpengaruh terhadap Financial Management Behavior
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