PENGARUH PENGETAHUAN DAN SIKAP KEUANGAN TERHADAP PERILAKU KEUANGAN DIKALANGAN IBU RUMAH TANGGA (Studi di Desa Nijang Kecamatan Unter Iwes)

Abstract

The purpose of this study was to know the effect of financial attitudes and financial knowledge toward financial behavior in housewives in Nijang village, Unter Iwes Sub-district, Sumbawa district. The data used in this study were primary and secondary data. The populations in this study were all housewives in Nijang village with total of population were 400. The technique used to determine sample was referred to slovin formula. The numbers of samples were 175. The method used to collect data was questionnaire. The data analysis tool used was multiple linear regression. Results of study showed that partially financial attitudes had effect toward financial behavior of housewives in Nijang village, Unter Iwes sub-district, this was based on the t-value>table (4,982>2.053) with significance value of 0.000<0.05, then financial knowledge had effect toward financial behavior of housewives in Nijang village, it was based on the t-value > t-table (2.063>2.053) with significance value of 0.041 < 0.05. Furthermore, simultaneously that financial attitudes and financial knowledge had positive and significant effect toward financial behavior of housewives in Nijang village, Unter Iwes sub-district, it was based on the t-value>t-table (24,808>2,053 , then the coefficient value determination (R2) was 0.297 or 29.7%, thus the percentage of effect of financial attitudes and financial knowledge toward financial behavior of housewives in Nijang village was 29.7% while the remaining of 71.3% was affected by other variables outside of this study.