Abstract
Financial management is a set of behaviors carried out through planning, budgeting, and evaluating which includes cash, credit, investment, insurance and retirement, and inheritance planning activities. Financial management practices in the younger generation have received serious attention from various organizations, such as governments, financial institutions, universities, and others. This is because when they began to enter the world of lectures, most of them did not have a sense of responsibility towards their own personal finances also showed that today's young generation rarely practiced basic financial capabilities, such as budgeting, daily savings planning or planning for long-term needs. To answer the research problem, researchers use the Money Attitude Scale (MAS) developed by Yamauchi & Templer (1982), which is a valid measurement tool in assessing the impact of attitudes on money on personal financial management, namely: (1) power-prestige, showing the use of money as a tool to influence and impress others and as a symbol of success, (2) retention-time, describes the use of money directed to the future, which requires financial planning. People with a retention-time attitude will be careful when using money and are very concerned with the financial situation that occurs. The results showed power prestige, retention-time.Keywords: Impact of attitude towards money (money attitude), personal financial management behavior
Highlights
Financial management is a set of behaviors carried out through planning, budgeting, and evaluating which includes cash, credit, investment, insurance and retirement, and inheritance planning activities
The results showed power prestige, retention-time
High self ‐control predicts goodadjustment, less pathology, better grades, and interpersonal success.Journal of person ality, 72(2), 271-324
Summary
Salah satu indikator untuk menentukan tingkat kesejahteraan ekonomi dan pendapatan di suatu daerah yaitu meningkatnya kemampuan daya beli masyarakat dalam memenuhi kebutuhan sehari-hari, sedangkan menurunnya daya beli masyarakat dapat mengindikasikan telah terjadinya penurunan pada tingkat kesejahteraan ekonomi di suatu daerah. Kondisi ini telah memberikan dampak pada perilaku keuangan masyarakat dalam memenuhi kebutuhan sehari-hari. Pola hidup konsumtif yang tidak sesuai dengan pendapatan dapat menyebabkan masalah keuangan jangka panjang. Patil (2014) juga menunjukkan bahwa generasi muda saat ini jarang mempraktikan kemampuan keuangan dasar, seperti penganggaran, perencanaan tabungan harian atau perencanaan untuk kebutuhan jangka panjang. Hasil temuan lain melalui wawancara pada salah seorang mahasiswi kelas regular dua (mahasiswa yang sudah bekerja dengan waktu kuliah yang berbeda dengan regular satu ) di Kristen Indonesia Maluku, menunjukkan bahwa mahasiswi tersebut kurang memerhatikan pengelolaan keuangannya, sehingga pendapatan per bulan yang diperoleh sebagai Pegawai. Dari uraian tersebut maka penulis akan mendeskripsikan lebih jauh tentang sikap terhadap uang (money attitude) dalam proposal yaitu “Gambaran Dampak sikap terhadap uang pada perilaku pengelolaan keuangan pribadi”
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