The Influence of Financial Knowledge, Financial Attitude, and Personality on Financial Management Behavior on XYZ Islamic Boarding School Ponorogo

Defri Ramadan Wardiansyah,Nur Khusniyah Indrawati

doi:10.24002/kinerja.v25i2.4772

Defri Ramadan Wardiansyah, Nur Khusniyah Indrawati

Open Access

https://doi.org/10.24002/kinerja.v25i2.4772

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Journal: KINERJA	Publication Date: Sep 20, 2021
Citations: 1	License type: cc-by

Affiliation: University of Brawijaya

Abstract

The presence of financial technology that often offers and discounts impacting on individual consumptive attitudes, which often makes individuals experience a condition of a financial deficit. This study aims to analyze the effect of financial knowledge, financial attitudes, and personality traits on personal financial management behavior. The population of this research is the teaching staff at one of the Islamic boarding schools in Ponorogo City. The sampling technique used in this study is the saturated sampling technique with a sample size of 31 respondents. The data analysis technique in this study used the PLS structural equation model with the help of the SmartPLS 3.0 program. There is a significant positive effect between financial attitudes and personal financial management behavior.

Highlights

The rapid development of technology in recent years has had a huge impact on the behavior of the Indonesian people
The following is a discussion of the results of hypothesis testing that have previously been carried out which are related to the theory and previous studies that are relevant to this research: 1. The influence of Financial Knowledge on Personal Financial Management Behavior
Based on the results of the study, it can be seen that financial knowledge has no significant positive effect on personal financial management behavior

Summary

Introduction

The rapid development of technology in recent years has had a huge impact on the behavior of the Indonesian people. The presence of advertisements that utilize technological sophistication so that they are able to attract people to buy the products offered leads to consumptive financial behavior. The development of financial technology has a big contribution to consumptive behavior in society. Ease of carrying out various financial transactions and the presence of discount and cashback programs that can trap people to spend their financial resources by increasing the sources of people's consumptive behavior. The first is the personal factor which is the general attitude that the individual has towards a thing or object in the form of personal personality traits, the values of life that are believed to be, and the cognitive intelligence of the individual.

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