The Effect of Financial Attitude and Financial Knowledge on Financial Management Behavior with Self-Control as an Intervening Variable on Management Students of The First Class of Royal University
Article Sidebar
Main Article Content
Abstract
This study was conducted to determine the effect of Financial Attitude (X1), Financial Knowledge (X2), on Financial Management Behavior (Y) with Self-Control as an Intervening Variable (Z) with the object of research being Management Students of Batch 1 of Royal University. The population in this study was 67 respondents, then a saturated sampling technique was used so that the sample took all the population into a sample of 67 respondents. Data analysis used the Structural Equation Modeling – Partial Least Squares (SEM-PLS) method through SmartPLS 4 software. The test results showed that Financial Attitude had a positive and significant effect on Financial Management Behavior, Financial Attitude had a positive and significant effect on Self-Control, Financial Knowledge had a positive and significant effect on Financial Management Behavior, Financial Knowledge had a positive and significant effect on Self-Control, Financial Attitude had a positive and significant effect on financial management behavior through self-control, and Financial Knowledge had a positive and significant effect on financial management behavior through self-control.
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
I. R. Khoirunnisa and R. Rochmawati, “Pengaruh literasi keuangan, sikap keuangan, dan pendidikan keuangan keluarga terhadap manajemen keuangan pribadi dengan locus of control sebagai variabel intervening,” J. Pendidik. Akunt., vol. 9, no. 2, pp. 210–219, 2021.
S. Durohmah and O. Feriyanto, “Pengaruh Gaya Hidup Hedonisme Terhadap Pengelolaan Keuangan Mahasiswa Manajemen Universitas Teknologi Digital,” in Prosiding FRIMA (Festival Riset Ilmiah Manajemen dan Akuntansi), 2024, vol. 1, no. 7, pp. 1050–1060.
S. M. Ummah, J. Susyanti, and A. A. Priyono, “Pengaruh Sikap Keuangan, Pengetahuan Keuangan, Efikasi Diri Keuangan Terhadap Perilaku Manajemen Keuangan Melalui Pengendalian Diri Sebagai Variabel Intervening (Studi Pada Pelaku UMKM Ekonomi Kreatif Sub Sektor Fashion di Kota Malang pada tahun 2021),” E-JRM Elektron. J. Ris. Manaj., vol. 11, no. 14, 2022.
R. P. D. Hapsari and B. D. Widiyasti, “Pengaruh Pengetahuan Keuangan dan Kontrol Diri terhadap Perilaku Pengelolaan Keuangan dengan Financial Self-Efficacy sebagai Variabel Mediasi,” Wahana J. Ekon. Manaj. dan Akunt., vol. 28, no. 2, pp. 155–172, 2025.
R. Rindayani, D. P. Wiryaningtyas, and T. D. Pramitasari, “Pengaruh Sikap Keuangan Terhadap Perilaku Manajemen Keuangan Dengan Locus of Control Sebagai Variabel Intervening Pada Generasi Z Di Desa Sliwung Kabupaten Situbondo,” J. Mhs. Entrep. FEB UNARS, vol. 1, no. 6, pp. 1185–1202, 2022.
A. W. Islami, I. Y. Rahmawati, N. Tubastuvi, and T. Haryanto, “Peran Locus of Control Sebagai Variabel Intervening dalam Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Perilakui Pengelolaan Keuangan pada UMKM,” J-MAS (Jurnal Manaj. Dan Sains), vol. 9, no. 1, pp. 323–333, 2024.
I. Subaida and F. N. Hakiki, “Pengaruh pengetahuan keuangan dan pengalaman keuangan terhadap perilaku perencanaan investasi dengan kontrol diri sebagai variabel moderasi,” J. Ilmu Kel. Dan Konsum., vol. 14, no. 2, pp. 152–163, 2021.
F. E. K. Cahyani, Supardi, S., and H. M. K. Sari, “Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Sikap Keuangan, terhadap Pengelolaan Keuangan UMKM di Kota Sidoarjo melalui Locus of Control sebagai Variabel Intervening,” Ekon. J. Econ. Bus., vol. 9, no. 2, pp. 1143–1151, 2025.
T. Purwati, K. Karim, D. N. Aryani, and A. Alfiana, “Pengaruh Pengetahuan Keuangan Dan Sikap Keuangan Terhadap Perilaku Manajemen Keuangan Dengan Locus Of Control Sebagai Variabel Moderasi,” J. Ilm. Edunomika, vol. 7, no. 2, 2023.