Pengaruh Self-Efficacy Terhadap Perilaku Keuangan Mahasiswa

Authors

  • Anggono Universitas IBBI
  • Alexander Barus Universitas IBBI
  • Siti Aisyah Nasution Universitas Prima Indonesia
  • Fuji Astuty Universitas Prima Indonesia
  • Tarwiyah Universitas IBBI

DOI:

10.33395/owner.v8i3.2351

Keywords:

Financial Behavior, High Self Efficacy, Low Self Efficacy, Moderate Self Efficacy

Abstract

The problem examined in this research is the uncontrolled financial behavior of students. The purpose of this study was to examine the differences in financial behavior of students with high, moderate, and low self-efficacy and to examine the effect of self-efficacy on student financial behavior. The population of this research consisted of 150 students. The sampling technique used in this research was simple random sampling, so the research sample consisted of 109 students. The type of research used is quantitative research. The research method used is ex post facto (causal-comparative). The data collection technique used is a questionnaire. Data analysis techniques used are descriptive statistics, pre-requisite tests consisting of normality tests, homogeneity tests, and inferential statistics such as one-way ANOVA and further tests. This research produced four research results. First, there are significant differences in students' financial behavior with low, moderate, and high self-efficacy. Second, students with moderate self-efficacy have higher financial behavior than those with low self-efficacy. Third, students with high self-efficacy have higher financial behavior than those with low self-efficacy. Fourth, students with high self-efficacy have higher financial behavior than those with moderate self-efficacy. This research concludes that self-efficacy positively and significantly affects student financial behavior.

Downloads

Download data is not yet available.

        Plum-X Analityc

References

Antoni, X., & Maswena, K. (2023). The Mediating Effect of Financial Efficacy on Financial Knowledge and Behaviour Among South African Consumers. International Journal of Economics and Finance Studies, 15(01), 2023. https://doi.org/10.34109/ijefs.

Arofah, A. A., & Kurniawati, R. (2021). Pengaruh Literasi Keuangan Dan Self-Efficacy Terhadap Perilaku Keuangan. Perwira Journal of Economics and Business (PJEB), 1(1), 41–47. https://doi.org/https://doi.org/10.54199/pjeb.v1i1.11

Asandimitra, N., & Kautsar, A. (2019). The Influence of Financial Information, Financial Self Efficacy, and Emotional Intelligence to Financial Management Behavior of Female Lecturer. Humanities and Social Sciences Reviews, 7(6), 1112–1124. https://doi.org/10.18510/hssr.2019.76160

Azwar, S. (2016). Penyusunan Skala Psikologi. Pustaka Pelajar.

Bandura, A. (2006). Toward a Psychology of Human Agency. Perspectives on Psychological Science, 1(2), 164–180. https://doi.org/1.1111/j.1745-6916.2006.00011.x

Chong, K. F., Sabri, M. F., Magli, A. S., Rahim, H. A., Mokhtar, N., & Othman, M. A. (2021). The Effects of Financial Literacy, Self-Efficacy and Self-Coping on Financial Behavior of Emerging Adults. Journal of Asian Finance, Economics and Business, 8(3), 905–915. https://doi.org/10.13106/jafeb.2021.vol8.no3.0905

Erawati, T., & Lende, Y. N. (2023). Pengaruh Self Effycacy Terhadap Perilaku Manajemen Keuangan Mahasiswa. JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi ) Universitas Pendidikan Ganesha, 14(04), 986–997. https://doi.org/https://doi.org/10.23887/jimat.v14i04.64456

Ghozali, I. (2020). 25 Grand Theory Teori Besar Ilmu Manajemen, Akuntansi Dan Bisnis (Untuk Landasan Teori Skripsi, Tesis dan Disertasi). Yoga Pratama.

Handayati, P., Restuningdyah, N., Ratnawati, & Meldona. (2023). The Role of Self-efficacy and Financial Attitude to Financial Well-Being: Mediation of MSME Financial Behavior (Vol. 1). Atlantis Press International BV. https://doi.org/10.2991/978-94-6463-178-4_30

Hariyani, D. S. (2016). Pengantar Akuntansi I (Teori & Praktik). Aditya Media Publishing. http://pics.unipma.ac.id/content/pengumuman/03102_04_03_2019_01_18_22Pengantar Akuntansi 1 Teori & Praktik.pdf

Jannatun, R., Harmain, H., & Syarvina, W. (2023). Pengaruh Literasi Keuangan dan Financial Self Efficacy Terhadap Financial Behavior Pada Generasi Z Lingkungan Kampus UIN Sumatera Utara. Jurnal Manajemen Dan Bisnis Ekonomi, 1(4), 26–41. https://doi.org/https://doi.org/10.54066/jmbe-itb.v1i4.673

Khodijah, I., Afriani, R. I., Yuliah, Y., & Octavitri, Y. (2021). Pengaruh Literasi Keuangan Dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Keluarga Di Masa Pandemi Covid-19 Dengan Self Efficacy Sebagai Variabel Intervening. National Conference on Applied Business, Education, & Technology (NCABET), 1(1), 630–644. https://doi.org/10.46306/ncabet.v1i1.51

Kurniasari, I., Sumiati, S., & Ratnawati, K. (2023). The Financial Behavior of Young Generation in Indonesia. Journal of Indonesian Applied Economics, 11(2), 146–155. https://doi.org/10.21776/ub.jiae.2023.011.02.3

Lukesi, E., Rahadjeng, E. R., & Satiti, N. R. (2021). Effect of Financial Attitudes, Financial Knowledge, Locus of Control, and Financial Self-Efficacy to Financial Management Behavior in Millennial Generation. Jamanika (Jurnal Manajemen Bisnis Dan Kewirausahaan), 1(1), 56–63. https://doi.org/10.22219/jamanika.v1i1.16027

Nisa, F. K., & Haryono, N. A. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financial Self Efficacy, Income, Locus of Control, dan Lifestyle terhadap Financial Management Behavior Generasi Z di Kota Surabaya. Jurnal Ilmu Manajemen, 10(1), 82–97. https://doi.org/10.26740/jim.v10n1.p82-97

Sari, Y. F., Chandra, N., & Sukartini, S. (2023). Pengaruh Financial Knowledge, Financial Anxiety dan Financial Self- Efficacy Terhadap Pengelolaan Keuangan Mahasiswa (Studi Kasus Pada Mahasiswa di Kota Padang). Mbia, 22(2), 191–204. https://doi.org/10.33557/mbia.v22i2.2551

Sekaran, U., & Bougie, R. (2016). Research Methods for Business A Skill-Building Approach (7th ed.). Wiley.

Xiao, J. J., & Dew, J. (2011). The Financial Management Behavior Scale?: Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–59. https://digitalcommons.uri.edu/cgi/viewcontent.cgi?httpsredir=1&article=1001&context=hdf_facpubs

Zhou, M., & Brown, D. (2017). Educational Learning Theory. In Instructional Design: International Perspectives I. https://doi.org/10.4324/9780203062920-11

Downloads

Published

2024-06-30

How to Cite

Anggono, Barus , A. ., Nasution, S. A. ., Astuty, F., & Tarwiyah. (2024). Pengaruh Self-Efficacy Terhadap Perilaku Keuangan Mahasiswa . Owner : Riset Dan Jurnal Akuntansi, 8(3), 2968-2980. https://doi.org/10.33395/owner.v8i3.2351