The Analysis of Money Attitude Influence towards Financial Management Behavior on China and Indonesia College Students with Financial Knowledge and Self-Efficacy as the Moderating Variable

Novita, Dea (2019) The Analysis of Money Attitude Influence towards Financial Management Behavior on China and Indonesia College Students with Financial Knowledge and Self-Efficacy as the Moderating Variable. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Penelitian ini menganalisis pengaruh money attitude, financial self-efficacy dan financial knowledge terhadap financial management behavior pada mahasiswa China dan Indonesia. Selain itu, studi ini juga meneliti efek moderasi dari financial self-efficacy dan financial knowledge pada hubungan antara money attitude and financial management behavior. Sampel yang digunakan adalah 125 responden China dan 121 responden Indonesia. Dengan bantuan program SPSS versi 21, metode regresi berganda digunakan untuk menganalisis money attitude sebagai variabel bebas, financial self-efficacy dan financial knowledge sebagai variabel bebas dan moderasi serta financial management behavior sebagai variabel terikat. Hasil menunjukkan bahwa financial management behavior mahasiswa China dipengaruhi money attitude dan financial knowledge, namun tidak dipengaruhi oleh financial self-efficacy secara signifikan. Disisi lain, financial management behavior mahasiswa Indonesia dipengaruhi secara signifikan oleh money attitude, financial self-efficacy dan financial knowledge. Sebagai variabel moderasi, financial knowledge memoderasi hubungan antara money attitude dan personal financial management behavior baik pada mahasiwa China maupun Indonesia. Sebaliknya, financial self-efficacy tidak memiliki efek moderasi pada mahasiswa China. ********************************************************************** This research examined the influence of money attitude, financial self-efficacy and financial knowledge on financial management behavior on the sample of China and Indonesia college students. Along with it, this study also studies the moderating effect of financial self-efficacy and financial knowledge on money attitude and financial management behavior. Samples used in this are 125 of China respondents and 121 of Indonesia respondents. Using SPSS Version 21, multiple regression analysis will be utilized to examine money attitude as the independent variable, financial self-efficacy and financial knowledge as the independent and moderating variables and financial management behavior as the dependent variable. The results have shown that China students financial management behavior have been influenced significantly by money attitude and financial knowledge. But it was not influence by financial self-efficacy. On the other side, Indonesia students financial management behavior have been influenced significantly by money attitude, financial self-efficacy and financial knowledge. As a moderating variable, financial knowledge indeed influence the relationship between money attitude and financial management behavior on China and Indonesia students. Contrary, financial self-efficacy does not have moderating influence on China students.

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