Analaisis Pengaruh Financial Literacy, Self Efficacy, Financial Knowledge, Financial Attitude, dan Parental Influence Terhadap Financial Management Behavior Pekerja di Kota Batam

Julianty, Julianty (2020) Analaisis Pengaruh Financial Literacy, Self Efficacy, Financial Knowledge, Financial Attitude, dan Parental Influence Terhadap Financial Management Behavior Pekerja di Kota Batam. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Penelitian dalam karya ilmiah ini dilakukan untuk menguji pengaruh dari variabel Financial Literacy, Self Efficacy, Financial Knowledge, Financial Attitude, dan Parental Influence terhadap Financial Management Behavior terhadap pekerja di kota Batam. Pengumpulan data dilakukan dengan menyebarkan kuesioner dan total data yang diolah sebanyak 407. Pengujian data dilakukan menggunakan program statistik berupa IBM SPSS 24 dengan metode analisis regresi linear berganda. Data yang diuji telah memenuhi uji kualitas data, uji asumsi klasik dan uji hipotesis. Hasil analisis dari data yang telah diuji terlihat bahwa variabel financial literacy, financial knowledge, financial attitude, dan parental influence secara signifikan positif berhubungan dengan financial management behavior. Sedangkan self efficacy secara signifikan negatif berhubungan dengan financial management behavior. Hasil uji koefisien determinasi menunjukkan sebesar 47,1% variabel dependen dapat dijelaskan oleh variabel independen yang ada pada penelitian ini, dan sebesar 52,9% dijelaskan oleh faktor di luar penelitian ini. ********************************************************************** The research was conducted to examine the effect of financial literacy, self efficacy, financial knowledge, financial attitude, and parental influence on workers’ financial management behavior in Batam. Data collection was carried out by distributing questionnaires and the total data processed 407. Testing collected data was done using the IBM SPSS 24 statistical program with multiple linear regression analysis methods. The data tested met the data quality test, the classic assumption test and the hypothesis test. The results of the analysis of the tested data show that the variables of financial literacy, financial knowledge, financial attitude, and parental influence are significantly positively related to financial management behavior. On the other hand, self efficacy is significantly negatively related to financial management behavior. The results of the coefficient of determination test showed 47.1% of the dependent variable can be explained by the independent variables in this study and 52.9% by factors outside this study.

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