Pengaruh Literasi Keuangan dan Self Control terhadap Perilaku dan Sikap Keuangan Mahasiswa Pendidikan Ekonomi UNS
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Dec 21, 2023
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Abstract
This study investigates the impact of financial literacy and self-control on the financial behaviours and attitudes of Economics Education Students at Sebelas Maret University Class of 2019-2022. Employing a simple random sampling method, data were gathered from 207 respondents. A descriptive quantitative research approach was adopted, with descriptive statistical methods and logistic regression analysis were used for data analysis. The findings reveal that financial literacy has a positive and significant influence on both the financial behaviour at a 1% significance level, and the financial attitudes of Sebelas Maret University Economics Education students at a 1% significance level. In contrast, self-control does not significantly influence either the financial behaviour or attitudes of these students dan and both lacking statistical significance.
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Afdhila, Q., & Ariyanto Nugroho, J. (2023). Pengaruh Literasi Keuangan dan Self Control terhadap Perilaku dan Sikap Keuangan Mahasiswa Pendidikan Ekonomi UNS. Journal on Education, 6(1), 10508-10520. Retrieved from https://jonedu.org/index.php/joe/article/view/4781
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References
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Rahmadani, R. (2017). Self-Control dalam Pengelolaan keuangan Pribadi : Sikap Terhadap Uang, dan Mental Accounting.
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Riski, T. R., Sulistianingsih, H., & Masruri. (2019). Literasi Keuangan dan Perilaku Keuangan Pada Mahasiswa Perguruan Tinggi Swasta X dikota Padang. Jurnal Manajemen Dan Kewirausahaan, 10(1), 1–15.
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Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
Strömbäck, C., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2020). Subjective self-control but not objective measures of executive functions predicts financial behavior and well-being. Journal of Behavioral and Experimental Finance, 27, 100339. https://doi.org/10.1016/j.jbef.2020.100339
Sukma, S. P., & Pradana, M. (2022). Effect of Financial Literacy, Financial Attitude, and Financial Inclusion on Financial Behavior. Jurnal Riset Bisnis Dan Manajemen, 15(01), 20–25. https://doi.org/10.23969/jrbm.v15i01.5163
Yusuf, M. A., Sudarno, S., & Totalia, S. A. (2023). Pengaruh Literasi Keuangan, Gaya Hidup dan Pendidikan Keuangan Dalam Keluarga Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Pendidikan Ekonomi UNS Moh. 05(04), 12986–12999.
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Andriani, H. (2023). Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Minat Berinvestasi Mahasiswa Pendidikan Ekonomi UNS. 31–41.
Aprinthasari, M. N., & Widiyanto, W. (2020). Pengaruh Literasi Keuangan Dan Lingkungan Sosial Terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi. Business and Accounting Education Journal, 1(1), 65–72. https://doi.org/10.15294/baej.v1i1.38925
Ballinger, T. P., Hudson, E., Karkoviata, L., & Wilcox, N. T. (2011). Saving behavior and cognitive abilities. Experimental Economics, 14(3), 349–374. https://doi.org/10.1007/s10683-010-9271-3
Bhushan, P., & Medury, Y. (2014). an Empirical Analysis of Inter Linkages Between Financial Attitudes, Financial Behaviour and Financial Knowledge of Salaried Individuals. Indian Journal of Commerce & Management Studies, 1(3), 80–82. www.scholarshub.net
Chaulagain. (2014). Relationship between Financial Literacy and Behavior of Small Borrowers. NRB Economic Review, VI, 77–98.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7, 107–128. https://doi.org/10.1108/JCM-01-2018-2514
Christina, L., & Wijaya, F. F. (2021). Financial Literacy Influencing Factor Analysis to Students in Batam City. 2021(2), 129–137.
Dewi, S. K. (2019). Pengaruh Sikap Terhadap Uang dan Kontrol Diri Pada Perilaku Keuangan Mahasiswa Berdasarkan Theory Planned of Behavior. Artikel Ilmiah, 1–17.
Gathergood, J. (2012). Self-control, financial literacy and consumer over-indebtedness. Journal of Economic Psychology, 33(3), 590–602. https://doi.org/10.1016/j.joep.2011.11.006
Gunawan, A., Syakinah, U., & Nasution. (2022). Pengaruh Kontrol Diri dan Literasi Keuangan terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Sumatera Utara. Seminar Nasional Multidisiplin Ilmu, 3(1), 1–23.
Hidayanti, F., Tubastuvi, N., Purwidianti, W., Endratno, H., & Muhammadiyah Purwokerto, U. (2023). The Influence of Financial Literacy, Lifestyle, Self-Control, and Peer Conformity on Student’S Consumptive Behavior. Business and Accounting Research (IJEBAR) Peer Reviewed-International Journal, 7(1), 1–14. https://jurnal.stie-aas.ac.id/index.php/IJEBAR
Katadata Insight Centre, & Zigi.id. (2021). Perilaku Keuangan Generasi Y & Z. In Katadata.Co.Id (Issue September). https://cdn1.katadata.co.id/media/microsites/zigi/perilakukeuangan/file/KIC- ZIGI_ Survei Perilaku Keuangan 130122.pdf
Kawamura, T., Mori, T., Motonishi, T., & Ogawa, K. (2021). Is Financial Literacy Dangerous? Financial Literacy, Behavioral Factors, and Financial Choices of Households. Journal of the Japanese and International Economies, 60(August 2020), 101131. https://doi.org/10.1016/j.jjie.2021.101131
Nasihah, D., & Listiadi, A. (2022). Pengaruh Pembelajaran Akuntansi Keuangan, Literasi Keuangan, Dan Kontrol Diri Terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Prof.Dr Hazairin Sh. JAZ:Jurnal Akuntansi Unihaz, 5(2), 160. https://doi.org/10.32663/jaz.v5i2.3130
Nirmala, Muntahanah, S., & Achadi, A. (2022). Literasi Keuangan Dan Perilaku Keuangan: Studi Empiris Mahasiswa Feb Universitas Wijayakusuma Purwokerto. Jurnal MONEX, 01(11), 1–9.
NISP, O. (2022). Financial Fitness Index 2022.
Noh, M. (2022). Effect of parental financial teaching on college students ’ financial attitude and behavior : The mediating role of self-esteem. Journal of Business Research, 143(February 2021), 298–304. https://doi.org/10.1016/j.jbusres.2022.01.054
Nurmalina, & Sulastri. (2019). Hubungan Antara Self Control Dengan Perilaku Berhutang pada Mahasiswa Fakultas X Universitas Muhammadiyah Lampung. Anfusina: Journal of Psychology, 2(1), 31–40. https://doi.org/10.24042/ajp.v2i1.4154
Otoritas Jasa Keuangan. (2022). Hasil Survei Nasional Literasi dan Inklusi Keuangan Tahun 2022.
Paluri, R. A., & Mehra, S. (2016). Financial attitude based segmentation of women in India: an exploratory study. International Journal of Bank Marketing, 34(5), 670–689. https://doi.org/10.1108/IJBM-05-2015-0073
Rahmadani, R. (2017). Self-Control dalam Pengelolaan keuangan Pribadi : Sikap Terhadap Uang, dan Mental Accounting.
Ramadona, D. M., & Mamat, S. (2019). Kontrol Diri: Definisi dan Faktor. Journal of Innovative Counseling : Theory, Practice & Research, 3(2), 65–69. http://journal.umtas.ac.id/index.php/innovative_counseling
Rey-Ares, L., Fernández-López, S., Castro-González, S., & Rodeiro-Pazos, D. (2021). Does self-control constitute a driver of millennials’ financial behaviors and attitudes? Journal of Behavioral and Experimental Economics, 93, 1–15. https://doi.org/10.1016/j.socec.2021.101702
Riski, T. R., Sulistianingsih, H., & Masruri. (2019). Literasi Keuangan dan Perilaku Keuangan Pada Mahasiswa Perguruan Tinggi Swasta X dikota Padang. Jurnal Manajemen Dan Kewirausahaan, 10(1), 1–15.
Sang, N. M. (2021). Financial Well-Being of Vietnamese Students. Investment Management and Financial Innovations, 18(4), 355–365. https://doi.org/10.21511/imfi.18(4).2021.29
Sari, D. A. (2015). Financial Literacy Dan Perilaku Keuangan Mahasiswa (Studi Kasus Mahasiswa Stie “YPPI” Rembang). Buletin Bisnis & Manajemen, 1(2), 171–189. http://www.journal.stie-yppi.ac.id/index.php/BBM/article/view/14/14%0Ahttps://www.researchgate.net/publication/320009228%0Awww.cnnindonesia.com,
Statistik, B. P. (2023). Jumlah Penduduk Pertengahan Tahun (Ribu Jiwa), 2020-2022. Www.Bps.Go.Id. https://www.bps.go.id/indicator/12/1975/1/jumlah-penduduk-pertengahan-tahun.html
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
Strömbäck, C., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2020). Subjective self-control but not objective measures of executive functions predicts financial behavior and well-being. Journal of Behavioral and Experimental Finance, 27, 100339. https://doi.org/10.1016/j.jbef.2020.100339
Sukma, S. P., & Pradana, M. (2022). Effect of Financial Literacy, Financial Attitude, and Financial Inclusion on Financial Behavior. Jurnal Riset Bisnis Dan Manajemen, 15(01), 20–25. https://doi.org/10.23969/jrbm.v15i01.5163
Yusuf, M. A., Sudarno, S., & Totalia, S. A. (2023). Pengaruh Literasi Keuangan, Gaya Hidup dan Pendidikan Keuangan Dalam Keluarga Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Pendidikan Ekonomi UNS Moh. 05(04), 12986–12999.
Zahroh, F. (2014). Menguji tingkat pengetahuan keuangan, sikap keuangan pribadi, dan perilaku keuangan pribadi mahasiswa jurusan manajemen fakultas ekonomika dan bisnis semester 3 dan semester 7. In Skripsi. http://eprints.undip.ac.id/45371/1/04_ZAHROH.pdf