The role of financial attitude, financial experience, financial knowledge and personality on student’s personal financial management behavior

Indonesia merupakan salah satu negara yang memiliki jumlah penduduk yang terbesar, dengan demikian akan menimbulkan beberapa generasi. Oleh karena itu, timbulnya generasi Z yang terlahir pada era Digital dapat membuat generasi Z menciptakan budaya konsumtif atau budaya hedon yang tinggi dan membuat Generasi Z yang tidak ingin ketinggalan zaman atau disebut dengan budaya FOMO, dengan adanya budaya konsumtif dapat membuat Generasi Z tidak dapat mengelola keuangannya dengan baik dan menimbulkan budaya boros. Tujuan dalam penelitian ini untuk menguji, pengaruh pada financial attitude, financial socialization, financial experience, dan financial knowledge terhadap financial management behavior yang dimediasi oleh financial literacy dalam Generasi Z pada wilayah Jakarta. Jenis penelitian ini menggunakan analisis kuantitatif dengan metode yang digunakan yaitu purposive sampling dengan penyebaran kuesioner yang dilakukan secara online dan sampel sebanyak 150 responden. SmartPLS-SEMdigunakan dalam mengolah analisis data. Hasil dari penelitian menunjukkan bahwa financial attitude, financial experience, financial knowledge memiliki pengaruh yang positif dan signifikan terhadap financial literacy. Namun, financial socialization tidak memiliki pengaruh yang signifikan terhadap financial literacy. Selain itu, Financial Literacy dapat memediasi pengaruh financial attitude, financial experience dan financial knowledge terhadap financial management behavior. Kemudian, financial literacy tidak dapat memediasi pengaruh financial socialization terhadap financial management behavior. Indonesia is one of the countries that has the largest population, thus giving rise to several generations. Therefore, the emergence of generation Z who were born in the Digital era can make generation Z create a high consumer culture or hedonistic culture and make Generation Z who do not want to be left behind or called a FOMO culture, the existence of a consumer culture can make Generation Z unable to manage finances well and creates a culture of wastefulness. The aim of this research is to examine the influence of financial attitude, financial socialization, financial experience, and financial knowledge on financial management behavior which is mediated by financial literacy in Generation Z in the Jakarta area. This type of research uses quantitative analysis with the method used, namely purposive sampling with questionnaires distributed online and a sample of 150 respondents. SmartPLS-SEM is used to process data analysis. The results of the research show that financial attitude, financial experience, financial knowledge have a positive and significant influence on financial literacy. However, financial socialization does not have a significant influence on financial literacy. Apart from that, financial literacy can mediate the influence of financial attitude, financial experience and financial knowledge on financial management behavior. Then, financial literacy cannot mediate the influence of financial socialization on financial management behavior.

Technological developments have led to innovations in the financial sector, one of which is financial technology (fintech). The existence of fintech in people's lives makes it fast and practical, so that it can move the economy towards a more effective, modern and efficient direction. This study aims to analyze the effect of financial attitude, financial experience and financial knowledge on the financial management behavior of paylater users with self-control as a moderating factor. With a total sample of 82 respondents. Data analysis using multiple linear regression using SPSS. The results of this study are that financial attitude has a significant and positive effect on financial management behavior. Financial experience has a significant and positive effect on financial management behavior. financial knowledge has a significant and positive effect on financial management behavior. self control does not moderate the relationship between financial attitude and financial management behavior. self control moderates the relationship between financial experience and financial management behavior. self control does not moderate the relationship between financial knowledge and financial management behavior

This research aims to determine the influence of financial knowledge, financial experience and income on the financial management behavior of civil servants in the city of Pontianak. This type of research uses an associative research method. The population in this study were civil servants in 16 government agencies in Pontianak City, totaling 150 people. The sampling technique uses non-probability sampling. The data analysis tools used in this research are multiple linear regression analysis, multiple correlation coefficient (R), coefficient of determination (R2), simultaneous test (F test) and partial test (t). The results of this research show that the multiple linear regression equation model is Y = 23.248 + 0.018X1 + 0.291X2 + 0.475X3 + e. The correlation coefficient value shows an R value of 0.507, this value shows that financial knowledge (X1), financial experience (X2) and income (X3) with financial management behavior (Y) have a fairly strong correlation. The results of the coefficient of determination value show an R2 value of 0.257, which means that financial knowledge, financial experience and income influence the ups and downs of financial management behavior by 25.7% and the remaining 74.3% is influenced by other factors not examined in this research. The results of the simultaneous test (Test F) show that there is a significant influence simultaneously (together) between financial knowledge, financial experience and income on financial management behavior. The results of the partial test (t test) show that there is no partial significant influence between financial knowledge on financial management behavior and there is a partial significant influence of financial experience and income on the financial management behavior of civil servants in the city of Pontianak.

Purpose-Currently, individual behavior in managing finances, especially in the younger generation, needs attention. The ease of financial access can provide both positive and negative aspects. This study aimed to ascertain how financial knowledge and attitudes through locus of control can influence financial management behavior. Design/Methodology/Approach-Modeling structural equations using Smart PLS 4.0 are the data processing techniques used in this study. This study examines the impact of the indicators of each of these variables on the objects of students of the Faculty of Economics and Business in Yogyakarta, Indonesia. By distributing questionnaires, the researchers were able to collect data from up to 98 respondents. Findings-The study's findings suggest that although financial attitudes have a direct impact on financial behavior management, financial knowledge has no direct impact on financial behavior management behavior. Financial attitudes and knowledge have been demonstrated to directly affect locus of control. It has also been demonstrated that locus of control directly affects money management behavior. Furthermore, it has been demonstrated that locus of control mediates the relationship between financial knowledge and financial management behavior, but not the relationship between financial attitudes and financial management conduct. Research limitations/implications-The findings of this research are expected to be a reference and basis for knowledge, especially for the younger generation, who are expected to understand that to foster good financial management behavior, there are many things that must be considered. This study shows that financial knowledge, financial attitudes, and locus of control are elements that can influence financial management behavior. Originality/value-There is still very little research on financial management behavior in the younger generation, especially among students of the Faculty of Economics and Business in Yogyakarta, Indonesia. This study revealed factors that allegedly had an impact on the financial management behavior of students of the Faculty of Economics and Business in Yogyakarta, Indonesia.

The behavior of family financial management is fundamental to be considered by household financial managers. Finance is one of the most critical factors in the family. Family finance actors must be wise in applying it in everyday life. This study aims to determine family financial management carried out by the community. This study uses quantitative methods. The sampling technique in this study uses the accidental method. The independent variables used in this research are financial literacy, financial attitude, financial knowledge, financial experience, education level, and personality. The dependent variables used in this research are the behavior of family financial management. This study uses multiple linear regression analysis. The results of the research that has been carried out state that the variables that are significantly related are financial knowledge and financial experience. At the same time, financial literacy, financial attitude, education level, and personality are unrelated. Family financial management is influenced by financial knowledge and financial experience. This can reveal that good financial knowledge and financial experience can manage family finances properly.

ABSTRACTThis study empirically analyses financial characteristics, namely the influence of economic knowledge of financial, attitudes, and financial experience on financial management behavior in Small and Medium Enterprises (SMEs) in Pekanbaru, Riau. This research is a quantitative study, and this study uses primary data obtained through questionnaires. The population in this study was SMEs in Pekanbaru, Riau. The sampling technique in this study is convenience sampling. After conducting the questionnaire distribution, the sample obtained was 131 questionnaires. Data processing and analysis using SEM-PLS analysis are processed using Smart-PLS software assistance. The study results show that financial knowledge, financial attitudes, and financial experience positively affect financial management behavior.Keywords: Financial Management Behavior, Financial Knowledge, Financial Attitude, Financial Experience, SMEs

Personal financial management behavior mentions how a person reacts when encounters financial events. Decisions of a person in different conditions influence his present and future life as well as economy of society. This study is about personal financial management, and examining factors affecting personal financial management behaviors among Iranian youth is it's purpose. To do this, relationships among financial attitude, financial knowledge, external locus of control and financial management behaviors was examined. This study is a applied and descriptive research. Data gathering is based on questionnaire. The research model is structural equation modeling and examined by Partial Least Square (PLS) method. The findings suggest that, financial attitude and financial knowledge have statistically significant and positive effects on financial management behaviors. In addition, based on our third hypothesis, the moderated role of financial knowledge on the relationship between financial attitude and financial management behaviors is approved by results. The results do not support for the relationship between external locus of control and financial management behaviors and the indirect effect of external locus of control on the relationship between financial knowledge and financial management behaviors.

Research aims to testing the influence of financial attitudes, Locus of Control, financial knowledge on the behavior of personal financial management through the role of mediation factors of demographics focusing on age and working period of respondents studied. The population of this research is the remaining employee of the University of Muhammadiyah North Sumatra, which amounted to about 300. SPRESSING SCHAMED ABDER 75 respondents with Slovin formula to know the number of respondents is the employee remains University of Muhammadiyah North Sumatra. Methods of data collection wears a questionnaire. Data analysis using SmartPLS 4.1.0.0. The results of research, financial knowledge has a positive effect on demographic factors, financial knowledge has a positive effect on personal financial management behavior, and Locus of Control has a positive effect on behavior of personal financial management. Private personnel behavior is very important in life. Each individual has a certain level of financial knowledge to help apply the behavior of personal financial management. In addition, each individual is endowed with intelligence and level of personal financial knowledge that enables them to perform activities in financial management. Financial knowledge greatly has an effect on personal financial management behavior. The better financial knowledge, the better also financial management. A person's decision in financial management is also inseparable from the role of demographic factors of age and work. Age also affects the decision in the behavior of personal financial management. The higher the age and effort of individuals will be better as well as in the management of personal finances and can be more focus in the short-term and long-term personal management of the applicable appearance in the form of behavior

This research aims to analyze the effect of financial attitude, financial knowledge, and personal income on personal financial management behaviorMethodology/approach – This research uses quantitative methods. Data processing and hypothesis testing using SmartPLS Version 3.2.9. This research was conducted at PT. Bank Tabungan Negara (Persero) Tbk Padang Branch, West Sumatra Province, Indonesia. The sampling technique used is the saturated sampling technique. The sample used is 92 respondents.Findings – It was found that. financial attitude and financial knowledge have a positive and significant effect on personal financial management behavior. Personal income has a positive and insignificant effect on personal financial management behavior.Novelty/value – financial attitude, financial knowledge are important factors that influence personal financial management behavior. While personal income does not affect personal financial management behavior. However, these indicators remain important in improving personal financial management behavior, especially by paying attention to indicators of financial attitude, financial knowledge and personal income.

The study aims to see how money attitude affects on financial management behaviours with financial self - efficacy and knowledge as a moderator variable. Research methods use a quantitative approach. The population chosen for this study is 283 students at accounting education from Universitas Negeri Surabaya. Data collection methods used was tests and questionnaires. Data analysis technique was Structural Equation M odeling (SEM) based component Partial Least Square (PLS) using WarpPLS 6.0 software. The analysis showed that: 1) money attitude impact on private - management behaviour is proven by p - value 0.001 ≤ 0.01 and coefficient track of 0.393. 2) Financial knowledge is not as moderate is proven by the coefficient results of financial knowledge management behaviours by 0.097 with p - value 0.095 (weakly significant) and a coefficient financial attitude towards personal financial management behaviour through financial kn owledge - 0.050 with p - value 0.251. 3) Financial self - efficacy as a moderator variable is proven well shown by a coefficient results of the financial self - regulation privacy management behaviour of 0.464 with p - value <0.001 (highly significant) and the coef ficient financial management measures for personal financial management behaviours through financial self - regulation are - 0.143 and p - value 0.026. In conclusion, money attitude has a positive and significant impact on individual financial management behavi our. Financial knowledge does not moderate the effects of financial attitudes on personal financial management behaviours, while financial self - efficacy moderates the effects of money attitude towards personal financial management behaviours.

This article explores how financial education, financial experience, and parents’ financial experi- ence influence young adults’ financial knowledge. We rely on a general model of learning to hypothesize the determinants of financial knowledge acquisition. Using data on 3,597 young adults from a national longitudinal survey, we find that financial education, financial experience, and parents’ financial experience all exert a positive impact on young adults’ financial knowledge. Moreover, these determinants work interactively. Both individual and parents’ financial experience help narrow the gap in financial knowledge caused by lack of financial education.

The purpose of this study was to determine the financial management behavior of employees in the administrative department of a retail company in Malang. This study uses quantitative methods and a Likert scale for the measurement scale. The independent variable consists of financial knowledge, financial socialization and financial experience, while the dependent variable is financial management behavior. The total number of active respondents using paylater was obtained by 96 respondents by distributing questionnaires online. The results showed that financial knowledge had a positive effect on financial management behavior, while financial socialization and financial experience had no effect on financial management behavior. The ability to manage finances can influence an individual's financial condition in the future. This study can be useful as a reference for various parties, especially Paylater users to be wiser in making financial decisions and to be able to improve good financial management behavior.
 
 Keywords: Financial Knowledge, Financial Socialization, Financial Experience, Financial Management Behavior

The global financial recession that occurs in Indonesia is now one of the phenomena that can reduce the stamina of the national economy. With the recession in 2023, it will have a negative impact on MSMEs in Indonesia. MSMEs have a positive influence on the Indonesian economy and regional economy, one of which is Tuban Regency which is a batik producing area, but its existence is still not widely known to people. In opening a business such as batik MSMEs, knowledge, experience, and locus of control are needed, in managing the finances of these batik MSMEs. This study is intended to identify how the influence of financial knowledge, financial experience and locus of control on financial management behavior in Batik MSMEs in Tuban. This research method is quantitative by taking a sample of 95 respondents and the distribution of this questionnaire is assisted by Google Form. The samples in this study were taken using probability sampling techniques. The sample consisted of respondents from the Batik MSME Center in Tuban. The data used in this study are primary data and secondary data. The analytical techniques used in this study are (PLS) with validity tests, reliability tests and hypothesis tests. The results of this study found that the variables of financial knowledge, financial experience, and locus of control had an effect and were significant on the variables of financial management behavior. Financial knowledge plays an important role in the financial management behavior of Batik MSMEs. The higher an individual's understanding of financial knowledge, the higher the level of financial management behavior, so that financial knowledge has a positive influence on financial management behavior in Batik MSMEs in Tuban.

Personal Financial Behavior is a person’s ability to manage, namely planning, budgeting, checking, managing, controlling, searching, and storing daily financial funds. The purpose of this study is to find out how much influence Financial Knowledge and Financial Attitude have on Personal Financial Management Behavior. This type of research is Descriptive Quantitative. The data collection technique uses questionnaires that are distributed directly to 63 MSME Entrepreneurs Through google forms. The sample in this study is an MSME entrepreneur in Makassar City. The data analysis method in this study uses Validity Test, Reliability Test, Partial Test, Simultaneous test, and Determination Coefficient Test by using SPSS V.23. Based on the result of data analysis, the research findings are (1) Financial Knowledge has a positive effect on Personal Financial Management Behavior, (2) Financial Attitude has a positive effect on Personal Financial Management Behavior, (3) Financial Knowledge and Financial Attitude have simultaneously influence on Personal Financial Management Behavior, so the researchers concluded that Financial Knowledge and Financial Attitude have a partial and simultaneous effect on Personal Financial Management Behavior. The implication, because this study only focused on MSME entrepreneurs and only one city, the findings may not be generalizable. In addition, the relatively small sample size could be another limitation of the study.
 Keywords: Financial knowledge, Financial Attitude, Personal Financial Management Behavior

This study investigates the relationship between financial knowledge, financial experience, income, lifestyle, and the financial behavior of employees in a financial institution. A sample of 37 employees from PT. Pegadaian CP Mega Legenda Batam was utilized. The research employed a saturated sample method, and validity and reliability tests were conducted for instrument trials. The findings indicate that financial knowledge exerts a positive and significant influence on financial behavior, while financial experience, income, and lifestyle do not individually impact financial behavior significantly. Moreover, when considered collectively, financial knowledge, financial experience, income, and lifestyle collectively exhibit a positive impact on financial behavior. These variables collectively account for 41.8% of the variance in financial behavior, with the remaining 58.2% attributed to unexamined factors. This study provides insights into the complex relationship between employee characteristics and financial behavior, highlighting the need for targeted interventions to enhance financial literacy and decision-making among employees, thereby fostering improved financial well-being.
 Highlights:
 
 Financial knowledge positively influences employee financial behavior.
 Financial experience, income, and lifestyle do not significantly affect financial behavior individually.
 Collectively, financial knowledge, experience, income, and lifestyle have a positive impact on financial behavior.
 
 Keywords: Financial Knowledge, Financial Experience, Income, Lifestyle, Financial Behavior.