The Effect of Financial Knowledge, Financial Attitude, and Lifestyle Pattern on Financial Management Behavior with Locus of Control as a Mediating Variable
Abstract
Financial management behavior is something that must be understood today. Many people with sufficient income levels often still face financial behavior problems. financial management behavior is influenced by several factors which are financial knowledge, financial attitude, lifestyle patterns, and locus of control. In analyzing it, this research uses quantitative methods to evaluate the object of Generation Z accountants in the Gresik area and data collection is carried out through distributing online questionnaires using a Likert scale. Through various test processes, the results show that Financial Knowledge and Lifestyle Pattern have no significant effect on Locus of Control. However, Financial Attitude has a highly significant effect on Locus of Control, emphasizing the role of attitudes towards money in shaping individual control over financial events. When it comes to financial behavior, Financial Knowledge and Lifestyle Pattern have no significant effect, while Financial Attitude and Locus of Control have a significant impact. In the context of mediation, only Financial Attitude is able to mediate the relationship between Locus of Control and Financial Management Behavior, while Financial Knowledge and Lifestyle Pattern have no mediating effect.References
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Hyatt, T.A., & Prawitt, D.F. (2020). Does Congruence Between Audit Structure And Auditors Locus-Of-Control Affect Job Performance?. The Accounting Review, 76(2), 263.
Ida & Dwinta, C. Y. (2020). Pengaruh Locus Of Control, Financial Knowledge, Dan Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), Pp.131-144.
Ida, C., & Yohana, D. (2019). Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131-144
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Kartika, I., & Wijayanti P. (2019). Locus Of Cotrol Sebagai Anteseden Hubungan Kinerja Dan Penerimaan Perilaku Disfungsional Audit. SNA X. Makasar.
Kautsar, A., & Asandimitra, N. (2019). Finanial Knowledge As Youth Preneur Success Factor. Journal Of Social And Development Sciences, 10(2), 33–35.
Kesavayuth, D., Ko, K. M., & Zikos, V. (2018). Locus Of Control And Financial Risk Attitudes. Economic Modelling, 72, 122–131. Https://Doi.Org/10.1016/J.Econmod.2018.01.010
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Kholilah, N. Al, & Iramani, R. (2019). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal Of Business And Banking, 3(1), 69. Https://Doi.Org/10.14414/Jbb.V3i1.255
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Malhotra, N. K. (2019). Riset Pemasaran, Pendekatan Terapan Edisi Keempat Jilid 2. Jakarta: PT Indeks
Manurung, Adler. (2019). Reksa Dana Investasiku. Jakarta: Kompas
Nguyen, T. N., & Tran, P. T. (2020). Factors Affecting Personal Financial Management Behaviors: Evidence From Vietnam. Proceedings Of The Asia-Pacific Conference On Global Business, Economics, Finance And Social Science (Ap15Vietnam Conference). .Http://Globalbiaresearch.Org/Vietnam_Conference/Pdf/VL532.Pdf
Otoritas Jasa Keuangan. (2021-2025). Strategi Nasional Literasi Keuangan Indonesia.
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Published
2024-06-24
How to Cite
PUJIANTI, Lailatunnisa; UMAIMAH, Umaimah.
The Effect of Financial Knowledge, Financial Attitude, and Lifestyle Pattern on Financial Management Behavior with Locus of Control as a Mediating Variable.
JURNAL ONLINE INSAN AKUNTAN, [S.l.], v. 9, n. 1, p. 87-106, june 2024.
ISSN 2528-0163.
Available at: <http://ejournal-binainsani.ac.id/index.php/JOIA/article/view/2863>. Date accessed: 08 sep. 2024.
doi: https://doi.org/10.51211/joia.v9i1.2863.
Section
Articles
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
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