Analisis Pengaruh Financial Knowledge, Financial Attitude, Financial Literacy, Income, dan Locus of Control terhadap Financial Management Behavior pada Pekerja di Kota Batam

Genius, Genius (2019) Analisis Pengaruh Financial Knowledge, Financial Attitude, Financial Literacy, Income, dan Locus of Control terhadap Financial Management Behavior pada Pekerja di Kota Batam. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Intensi dari rancangan studi ini ialah untuk menafsirkan variabel mana saja yang mampu mempengaruhi financial management behavior pada para pekerja di Kota Batam. Faktor-faktor ini termasuk financial knowledge, financial literacy, financial attitude, income, dan locus of control. Penelitian dilakukan dengan menggunakan data dari 406 responden, yang secara efektif dimasukkan dalam uji analisa. Dalam melakukan pengujian ini, metode yang dipakai yaitu dengan metode regresi linear berganda yang merupakan prosedur yang diaplikasikan dalam analisa data dengan bantuan aplikasi SPSS 21. Studi ini dilakukan untuk membantu berbagai kelompok terkait untuk mendapatkan pemahaman tentang bagaimana menginkatkan financial management behavior yang tepat. Karena financial management behavior adalah salah satu keterampilan yang diperlukan yang diperlukan untuk bertahan hidup di dunia modern. Hasil penelitian menunjukkan bahwa financial literacy dan financial attitude memiliki pengaruh signifikan positif terhadap financial management behavior, sedangkan financial knowledge, income, dan locus of control tidak berpengaruh signifikan negatif terhadap financial management behavior. ********************************************************************** The purpose of this study is to find out which factor will influence the financial management behavior of workers in Batam City. These factors include financial knowledge, financial literacy, financial attitude, income, and locus of control. The study was conducted using data from 406 respondents, which were effectively included in the testing. The menthod used in this test is a multiple linear regression menthod is applied in analyzing the data with the help of SPSS 21st version. This study was carried on to help related groups to have better understanding on how to achiver better financial management behavior, as it is one of a highly necessary skill required to survive better. The result shows that financial literacy and financial attitude had significant positive effect on the financial management behavior, while financial knowledge, income, and locus of control had a significant negative effect on the financial management behavior. Keywords: financial management behavior, financial knowledge, financial literacy, financial attitude, income, locus of control.

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