Pengaruh Financial Knowledge, Financial Satisfaction, Financial Confidence terhadap Financial Behavior
Article Sidebar
Main Article Content
Abstract
The purpose of this study is to analyze the effect of Financial Satisfaction, Financial Knowledge, Financial Confidence on Financial Behavior. This study uses the theory of planned behavior and financial behavior theory. The problem in this research is to find out the factors that can improve an individual's financial behavior in making appropriate financial decisions. This study uses a conclusive and descriptive research design. This research data is primary data obtained by a cross-sectional design. The sampling technique of this study was non-probability sampling using convenience sampling. This research was conducted with OVO application users in UNTAR. The results of this study indicate that Financial Knowledge and Financial Confidence have a significant effect on Financial Behavior while Financial Satisfaction does not affect Financial Behavior.
Tujuan penelitian ini adalah untuk menganalisis pengaruh Financial Satisfaction, Financial Knowledge, Financial Confidence terhadap Financial Behavior. Penelitian ini menggunakan teori perilaku terencana dan teori perilaku keuangan. Masalah dalam penelitian ini yaitu untuk mengetahui faktor yang dapat meningkatkan perilaku keuangan individu dalam pengambilan keputusan keuangan yang tepat. Penelitian ini menggunakan desain penelitian konklusif dan deskriptif. Data penelitian ini merupakan data primer yang diperoleh dengan cross-sectional design. Teknik pengambilan sampel penelitian ini adalah non-probability sampling dengan menggunakan convenience sampling. Penelitian ini dilakukan kepada pengguna aplikasi OVO di UNTAR. Hasil penelitian ini menunjukan bahwa Financial Knowledge dan Financial Confidence berpengaruh signifikan terhadap Financial Behavior sedangkan Financial Satisfaction tidak berpengaruh terhadap Financial Behavior.
Article Details
This work is licensed under a Jurnal Manajemen Bisnis dan Kewirausahaan Creative Commons Attribution-ShareAlike 4.0 International License.
References
Abdillah, W., & Jogiyanto, H. M. (2015). Partial Least Square, Alternative Structural Equation Modeling (SEM) In Business Research. Yogyakarta : Andi.
Abdurrahman, M. S. (2017). Nilai Bisnis Fintech Indonesia Diestimasi Capai Rp 1 Kuadriliun - Tekno Liputan6.com. Retrieved November 22, 2018, from https://www.liputan6.com/tekno/read/2917273/nilai-bisnis-fintech-indonesia-diestimasi-capai-rp-1-kuadriliun.
Ajzen. (2005). Attitudes, Personality and Behaviour (2nd ed.). England : Open University Press.
Ajzen, I., Joyce, N., Sheikh, S., & Cote, N. G. (2011). Knowledge and The Prediction of Behavior: The Role of Information Accuracy in The Theory of Planned Behavior. Basic and Applied Social Psychology, 33, 101–117.
Arifin, A. Z. (2017). The Influence of Financial Knowledge, Control and Income on Individual Financial Behavior. European Research Studies Journal, Xx(3a), 635-648.
Asaad, C. T. (2015). Financial Literacy and Financial Behaviour: Assessing Knowledge Financial Literacy on Financial Behaviour. Economic Inquiry, 54 (1), 675-697.
Dew, J., & Xiao, J. J. (2011). The Financial management Behavior Scale: Development and Validation. Journal of Financial Counseling and Planning, 22, 43-59.
Grable, J. E., Park, J. Y., & Joo, S. H. (2009). Explaining Financial Management Behavior for Koreans Living in The United States. The Journal of Consumer Affairs, 43 (1), 80-107.
Hung, A., Parker, A. M., & Yoong, J. (2009). Defining and Measuring Financial Literacy. RAND Working Paper Series, 9 (2), 75-84.
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Finacial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis dan Akuntansi, 12 (3), 131-144.
Jorgensen, B. L., & Savla, J. (2010). Financial Literacy of Young Adults: The Importance of Parental Socialization. Family Relations, 59, 465-478.
Kurniawan, D. (2017). “Fintech” Marketing yang Menggoda | Majalah Franchise. Retrieved from https://www.majalahfranchise.com/article/714/fintech-marketing-yang-menggoda
Kramer, M. M. (2016). Financial Literacy, Confidence and Financial Advice Seeking. Journal of Economic Behavior & Organization, 131 (Pt. A), 198–217. doi:10.1016/j.jebo.2016.08.016
Lusardi, A., & Mitchell, O. S. (2007). Baby Boomer Retirement Security: The Roles of Planning. Financial Literacy, and Housing Wealth. Journal of Monetary Economics, 54 (1), 205-224, 7.
Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). 19 Maret 2018. www.ojk.go.id
Perry, V. G., & Morris, M. D. (2005). Who is in Control? The Role of Self-Perception, Knowledge, and Income in Explaining Consumer Financial Behavior. The Journal of Consumer Affairs, 39 (2), 299-313.
Robb, C. A., & Woodyard, A. S. (2011). Financial Knowledge and Best Practice Behavior. Journal of Financial Counseling and Planning, 22 (1), 60-70.
Ünal, S. & Düger, Y.S. (2015). An Empirical Analysis on the Relation Between Academics’ Financial Well-Being and Financial Behavior. The International Journal of Economic and Social Research, 11 (1), 213-227.
Wagner, J. (2014). An Empirical Analysis Linking a Person’s Financial Risk Tolerance and Financial Literacy to Financial Behaviors. Journal of Economic Psychology, 1–27.
Xiao, J. (2008). Applying Behavior Theories in Financial Behaviours. Handbook of Consumer Finance Research, 69-81.
Woodyard, A. S., Robb, C., Babiarz, P., & Jung, J. Y. (2017). Knowledge and Practice: Implications for Cash and Credit Management Behaviors. Family and Consumer Sciences Research Journal, 45 (3), 300-314.
Woodyard, A. S., & Robb, C. A. (2016). Consideration of Financial Satisfaction: What Consumers Know, Feel and Do from a Financial Perspective. Journal of Financial Therapy, 7 (2).
Zakaria, R., Jaafar, N., & Marican, S. (2012). Financial Behavior and Financial Position: A Structural Equation Modelling Approach. Middle-East Journal of Scientific Research, 12 (10), 1396-1402.