Analisis Pengaruh Financial Literacy, Financial Socialization Agents, Social Economic Status, Financial Attitude dan Self-Efficacy Terhadap Financial Behavior Mahasiswa di Kota Batam

Kelvin, Kelvin (2020) Analisis Pengaruh Financial Literacy, Financial Socialization Agents, Social Economic Status, Financial Attitude dan Self-Efficacy Terhadap Financial Behavior Mahasiswa di Kota Batam. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Pertumbuhan ekonomi global saat ini membawa efek perubahan ke dalam sistem keuangan sosial. Hal ini dapat kita lihat dari efek kompleksitas dan penggunaan teknologi pada produk dan layanan keuangan seperti, akses yang luas ke pencairan pinjaman dan produk layanan keuangan. Hal tersebut jika tidak diperlakukan dengan perilaku keuangan yang baik, orang dapat dengan mudah terjebak dalam situasi ekonomi yang tidak baik atau menguntungkan. Tujuan riset ini adalah untuk menguji dan menganalisa pengaruh Financial Literacy, Financial Socialization Agents, Social Economic Status, Financial Attitude dan Self-efficacy terhadap Financial Behavior Mahasiswa di Kota Batam. Metode yang diterapkan dalam riset ini adalah survey method dengan cara meyebarkan kuesioner kepada 420 responden yang sesuai dengan karakteristik responden yang dibutuhkan. Penelitian ini memanfaatkan software software statistika berbasis yaitu SPSS versi 21. Hasil pengujian dalam penelitian menunjukkan bahwa variabel Financial Literacy, Financial Socialization Agents, Social Economic Status, Financial Attitude dan Self-efficacy memiliki hubungan yang signifikan terhadap Financial Behavior.----------The current global economic growth has had a changing effect on the social financial system. This can be seen from the effects of complexity and the use of technology on financial products and services such as broad access to loan disbursements and financial service products. If it is not treated with the right financial behavior, people can easily get caught in an unfavorable or profitable economic situation. The purpose of this research is to examine and analyze the effect of financial literacy, financial socialization agents, social economic status, financial attitude, and self-efficacy on student financial behavior in Batam City. The method applied in this research is a survey method by distributing questionnaires to 420 respondents according to the required characteristics of the respondents. This research utilizes statistical software based on SPSS version 21. The test results in the study show that the variables financial literacy, financial socialization agents, social economic status, financial attitude, and self-efficacy have a significant relationship to financial behavior.

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