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

Abstract

Penelitian ini bertujuan untuk mengidentifikasi peran dari sikap keuangan, pengalaman keuangan, pengetahuan keuangan dan kepribadian, terhadap perilaku pengelolaan keuangan pribadi mahasiswa. Populasi adalah seluruh mahasiswa asal Propinsi Sumatera Utara yang berkuliah di universitas negeri di Kota Langsa. Instrumen pengumpulan data nerupa kuesioner disebar melahui grup Whatsapp (WA) menggunakan google form, dan diperoleh 150 responden yang merespon. Berdasarkan hasil analisis regresi berganda, diperoleh secara parsial bahwa pengalaman keuangan dan pengetahuan keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan pribadi mahasiswa, sementara sikap keuangan dan kepribadian terbukti secara empiris berpengaruh tetapi tidak signifikan terhadap perilaku pengelolaan keuangan mahasiswa. Secara simultan, keempat variabel independen diidentifikasi berpengaruh signifikan terhadap perilaku mahasiswa dalam mengelola keuangan pribadinya.This study aims to identify the role of financial attitudes, financial experience, financial knowledge and personality, on students' personal financial management behavior. The population is all students from North Sumatra Province who are studying at state universities in Kota Langsa. The data collection instrument was in the form of a questionnaire distributed through the Whatsapp (WA) group using a google form, and 150 respondents responded. Based on the results of multiple regression analysis, it was obtained partially that financial experience and financial knowledge had a positive and significant effect on students' personal financial management behavior, while financial attitudes and personality were empirically proven not significantly influence on student financial management behavior. Simultaneously, the four independent variables were identified as having a significant effect on student behavior in managing their personal finances.