PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN, DAN LOCUS OF CONTROL TERHADAP PERILAKU KEUANGAN MAHASISWA FAKULTAS EKONOMI UNIVERSITAS NEGERI JAKARTA

ADINDA RIZKI LARASATI, . (2023) PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN, DAN LOCUS OF CONTROL TERHADAP PERILAKU KEUANGAN MAHASISWA FAKULTAS EKONOMI UNIVERSITAS NEGERI JAKARTA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Riset ini mengkaji Pengaruh Literasi Keuangan, Sikap Keuangan, dan Locus of Control terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Jakarta. Lewat pendekatan kuantitatif dengan metode survey kepada 219 mahasiswa S1 dan D4 Fakultas Ekonomi Angkatan 2019 memakai teknik proportional random sampling. Data diolah dengan SPSS versi 25 melalui analisis deskriptif, analisis regresi linier berganda, uji normalitas, uji linearitas, uji T, uji F, dan analisis koefisien determinasi. Hasil uji uji F memperlihatkan adanya pengaruh secara bersama-sama antara Literasi Keuangan, Sikap Keuangan, dan Locus of Control terhadap Perilaku Keuangan. Hasil uji T menunjukkan terdapat pengaruh yang signifikan secara parsial Literasi Keuangan terhadap Perilaku Keuangan, terdapat pengaruh yang signifikan secara parsial Sikap Keuangan terhadap Perilaku Keuangan serta terdapat pengaruh yang signifikan secara parsial Locus of Control terhadap Perilaku Keuangan. Implikasi pada riset ini terlihat dari variabel perilaku keuangan dengan indikator terendah berinvestasi, literasi keuangan dengan indikator terendah pengetahuan asuransi, serta sikap keuangan dengan indikator terendah keamanan uang, yang mana ketiganya disebabkan belum mandirinya finansial mahasiswa karena masih bergantung pada pendapatan orang tua. Adapun, variabel locus of control memiliki indikator terendah pada lebih dipengaruhi oleh lingkungan yang mana hal ini disebabkan lebih dominannya locus of control internal yang ada dalam diri mahasiswa dalam menentukan perilaku keuangan. Kajian ini merekomendasikan agar perilaku keuangan dapat diteliti dengan menggunakan ketiga variabel yang lebih dominan mempengaruhi perilaku keuangan seperti gaya hidup, financial technology, pendapatan orang tua, dan sebagainya. **** This research examines the influence of financial literacy, financial attitudes and locus of control on the financial behavior of students at the Faculty of Economics, Jakarta State University. Through a quantitative approach with a survey method to 219 undergraduate and D4 students of the Faculty of Economics Class of 2019 using proportional random sampling techniques. Data were processed using SPSS version 25 through descriptive analysis, multiple linear regression analysis, normality test, linearity test, T test, F test, and analysis of the coefficient of determination. The results of the F test show that there is a joint influence between Financial Literacy, Financial Attitude, and Locus of Control on Financial Behavior. The results of the T test show that there is a partially significant influence of Financial Literacy on Financial Behavior, there is a partially significant influence of Financial Attitude on Financial Behavior and there is a partially significant influence of Locus of Control on Financial Behavior. The implications of this research can be seen from the financial behavior variable with the lowest indicator of investing, financial literacy with the lowest indicator of insurance knowledge, and financial attitude with the lowest indicator of money security, all three of which are due to students not being financially independent because they are still dependent on their parents' income. Meanwhile, the locus of control variable has the lowest indicator in that it is more influenced by the environment, which is due to the more dominant internal locus of control in students in determining financial behavior. This study recommends that financial behavior can be researched using the three variables that more dominantly influence financial behavior, such as lifestyle, financial technology, parental income, and so on.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dra. Sri Zulaihati, M.Si. ; 2). Dwi Kismayanti Respati, S.Pd., M.Ak.
Subjects:	Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Users 22004 not found.
Date Deposited:	12 Feb 2024 02:47
Last Modified:	12 Feb 2024 02:47
URI:	http://repository.unj.ac.id/id/eprint/44696

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