FAKTOR YANG MEMPENGARUHI FINANCIAL MANAGEMENT BEHAVIOR MELALUI FINANCIAL ATTITUDE SEBAGAI VARIABEL INTERVENING
Main Article Content
Perilaku pengelolaan keuangan Masyarakat Indonesia yang masih tergolong rendah yang di sebabkan oleh keterbatasan financial knowledge serta keterbatasan financial literacy di era meningkatnya perkembangan financial technology. Tujuan penelitian ini untuk menganalisis pengaruh spiritual intelligence, financial technology, financial knowledge, dan financial literacy terhadap financial management behavior melalui financial attitude sebagai variable intervening. Penelitian ini menggunakan pendekatan kuantitatif dan bersifat deskriptif dengan jumlah sampel sebanyak 331 responden. Teknik analisis yang digunakan adalah Structural Equation Model dengan menggunakan software AMOS. Berdasarkan hasil penelitian diperoleh temuan: 1) Spiritual intelligence, financial technology, financial literacy berpengaruh signifikan terhadap financial management behavior. Sementara financial knowledge berpengaruh tidak signifikan terhadap financial management behavior. 2) Financial technology, dan financial knowledge berpengaruh signifikan terhadap financial attitude. Sementara spiritual intelligence, dan financial literacy berpengaruh tidak signifikan terhadap financial attitude. 3) Financial technology, dan financial knowledge berpengaruh signifikan terhadap financial management behavior melalui financial attitude. Sementara spiritual intelligence, dan financial literacy tidak berpengaruh signifikan terhadap financial management behavior melalui financial attitude. 4) Financial attitude berpengaruh siginifikan terhadap financial management behavior. Kesimpulannya adalah dengan adanya financial technology serta tingkat spiritual intelligence yang dimiliki akan menciptakan sikap yang lebih baik dalam menunjang perilaku pengelolaan keuangan.
Keywords:
Spiritual Intelligence, Financial Technology, Financial Knowledge, Financial Literacy, Financial Management Behavior, Financial Attitude
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Agustina, N., R., & Mardiana. (2020). The Effect of Financial Knowledge and Financial Attitude on Financial Management Behavior Mediated with Locus of Control. Management and Economics Journal. Vol. 4(3), 2598-9537 (2020).
Arganata., T., & Lutfi. (2019). Pengaruh niat berperilaku, kecerdasan spiritual dan literasi keuangan terhadap pengelolaan keuangan keluarga. Journal of Business and Banking. Vol. 9(1), 088-7841 (2019).
Asaff., R., Suryati., & Rika Rahmayani., R. (2019). Pengaruh Financial Attitude Dan Financial Knowledge terhadap Financial Management Behavior (Studi Kasus pada Mahasiswa Fakultas Ekonomi Konsentrasi Keuangan Universitas Andi Djemma Palopo). Jurnal Of Economic, Management And Accounting. Vol 2 No.2 (2019).
Asih., S., W., & Muhammad Khafid. (2020). Pengaruh Financial Knowledge, Financial Attitude dan Income terhadap Personal Financial Management Behavior melalui Locus Of Control sebagai Variabel Intervening. Economic Education Analysis Journal. 9(3), 748-767 (2020).
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Azzahra., T., & Kartini. (2022). Pengaruh Financial Technology Payment, Financial Attitude, dan Financial Knowledge terhadap Financial Management Behavior bagi Mahasiswa di Yogyakarta. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen. Vol. 1(2), 78-91 (2022).
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Haqiqi., A., F., Z., & Tri Kartika Pertiwi. (2022). Pengaruh Financial Technology, Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan Generasi Z di Era Pandemi Covid-19 pada Mahasiswa UPN “Veteran” Jawa Timur. Journal Of Management & Business. 5(2) (2022).
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Hung., & Binjie Luo. (2016). FinTech in Taiwan: a case study of a Bank’s strategic planning for an Investment in a FinTech Company. Financial Innovation. 2:15 (2016).
Ida., & Cinthia Yohana Dwinta. (2010). Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Vol.12(3)- 131-144 (2010).
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Khairani., F., & Mohamad Fany Alfarisi. (2019). Analisi Pengaruh Financial Attitude, Financial Knowledge, Pendidikan Orang Tua Dan Parental Income Terhadap Financial Management Behavior Pada Mahasiswa S1 Universitas Andalas Padang. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen. Vol. 4(1)- 360-371 (2019).
Kominfo (2021). https://aptika.kominfo.go.id/2021/11/satgas-sudah-blokir-3-631- pinjol-ilegal-per-12-november-2021/.
Mardhatillah., R., A., et al. (2020). Pengaruh Financial Knowledge, Financial Attitude Dan Locus Of Control Terhadap Financial Management Behavior. (Studi Kasus Pada Pelaku Ekonomi Kreatif Sub Sektor Fashion Kota Kediri). e – Jurnal Riset Manajemen. (2020).
Mulyanti., D., & Ai Nurhayati. (2022). Penerapan Literasi Keuangan Dan Penggunaan Financial Technology Untuk Menilai Kinerja Keuangan UMKM Di Jawa Barat. Ekono Insentif. Vol. 16(2), 2564-7163 (2022).
Novianti., R., & Nora Ria Retnasih. (2023). Financial Literacy, Financial Technology (FinTech), and Locus of Control on Financial Management Behavior. Ekonomis: Journal of Economics and Business. Vol. 7(1), 422-428 (2023).
Pradiningtyas., T., E., & Fitri Lukiastuti. (2019). Pengaruh Pengetahuan Dan Sikap Keuangan terhadap Losuc Of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide dan Inspirasi. Vol.6(1)- 96-112 (2019).
Purwaningrat., P., A., et al. (2019). Managing Personal Finance: The Role of Spiritual and Financial Knowledge. Warmadewa Management and Business Journal (WMBJ). Vol. 1(2), 93-101 (2019).
Purwidianti., W., et al. (2019). The Effect Of Financial-Related Experience, Behavioral Intention, Spiritual Intelligence And Gender On Family Financial Behavior. Muhammadiyah International Journal of Economics and Business. Vol. 2(2), 2685-7405 (2019).
Preacher K. J. (2023). Calculation For The Sobel Test. www.quantspy.org. https://quantpsy.org/sobel/sobel.htm.
Putri., I., R., & Abel Tasman. (2019). Pengaruh Financial Literacy dan Income terhadap Personal Financial Management Behavior pada Generasi Millennial Kota Padang. Jurnal Kajian Manajemen dan Wirausaha. Vol.1(1), (2019).
Ramadhan., A., Y., & nadia Asandimitra. (2019). Determinants Of Financial Management Behavior Of Millenial Generation In Surabaya. Jurnal Minds: Manajemen Ide dan Inspirasi. Vol. 6(2) (2019).
Rizkiawati., N., L., & Nadia Asandimitra. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus Control Dan Financial Self-efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen. Vol. 6(3) (2018).
Sampoerno., A., E., & Nadia Asandimitra. (2021). Pengaruh Financial Literacy, Income, Hedonism Lifestyle. Self-control, Dan Risk Tolerance Terhadap Financial Management Behavior Pada Generasi Milenial. Jurnal Ilmu Manajemen. Vol. 9(3), (2021).
Shefrin, H. (2000). Beyond greed and fear: Understanding behavioral finance and psychology of investing.
Siswanti., I., & Adiyati Mayang Halida. (2020). Financial Knowledge, Financial Attitude, And Financial Management Behavior: Self-Control As Mediating. The International Journal of Accounting and Business Society. Vol. 28(1) (2020).
Subiantoro., N., et al. (2022). Improving Financial Management Behavior Through Financial Attitude, Financial Knowledge, And Financial Technology in Students STIE Graha Kirana Medan. Enrichment: Journal of Management. 12(2), 1403-1412 (2022).
Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D (26th ed.). Alfabeta.
Suharsimi., A. (2010). Prosedur penelitian suatu pendekatan praktik. Rineka Cipta.
Suparsaputra, U. (2013). Menjadi guru berkarakter. PT Refika Aditama.
Supramono, G. (2014). Perjanjian utang piutang (Pertama; J). Kencana Prenadamedia Group.
Wahyuni., S., F., et al. (2022). Model Praktik Manajemen Keuangan Pribadi Berbasis Literasi Keuangan, Orientasi Masa Depan dan Kecerdasan Spiritual pada Generasi “Y” Di Kota Medan. Owner: Riset & Jurnal Akuntansi. Vol. 6(2), 548-7507 (2022).
Wiranti., A. (2020). Pengaruh Financial Technology, Financial Literacy, Financial Knowledge, Locus Of Control dan Income Terhadap Perilaku Keuangan. jurnal Ilmu Manajemen. Vol. 10(2) (2022).
Zohar, D., & Marshall, I. (2007). SQ-Kecerdasan Spiritual. Mizan Pustaka.
Afriani., R., I., & Rika Kartika. (2021). Pengaruh Financial Knowledge Dan Locus Control Terhadap Financial Management Behavior Mahasiswa Tingkat Akhir Jurusan Akuntansi Universitas Bina Bangsa. Jurnal Manajemen dan Bisnis. Vol. XIII(2) (2021).
Agustina, N., R., & Mardiana. (2020). The Effect of Financial Knowledge and Financial Attitude on Financial Management Behavior Mediated with Locus of Control. Management and Economics Journal. Vol. 4(3), 2598-9537 (2020).
Arganata., T., & Lutfi. (2019). Pengaruh niat berperilaku, kecerdasan spiritual dan literasi keuangan terhadap pengelolaan keuangan keluarga. Journal of Business and Banking. Vol. 9(1), 088-7841 (2019).
Asaff., R., Suryati., & Rika Rahmayani., R. (2019). Pengaruh Financial Attitude Dan Financial Knowledge terhadap Financial Management Behavior (Studi Kasus pada Mahasiswa Fakultas Ekonomi Konsentrasi Keuangan Universitas Andi Djemma Palopo). Jurnal Of Economic, Management And Accounting. Vol 2 No.2 (2019).
Asih., S., W., & Muhammad Khafid. (2020). Pengaruh Financial Knowledge, Financial Attitude dan Income terhadap Personal Financial Management Behavior melalui Locus Of Control sebagai Variabel Intervening. Economic Education Analysis Journal. 9(3), 748-767 (2020).
Azwar., S. (2016). Test construction of cognitive abilities (Konstruksi tes kemampuan kognitif). Pustaka Belajar.
Azzahra., T., & Kartini. (2022). Pengaruh Financial Technology Payment, Financial Attitude, dan Financial Knowledge terhadap Financial Management Behavior bagi Mahasiswa di Yogyakarta. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen. Vol. 1(2), 78-91 (2022).
Baptista., S., M., J., & Andrieta Shintia Dewi. (2021). The Influence of Financial Attitude, Financial Literacy, and Locus of Control on Financial Management Behavior. International Journal of Social Science and Business. Vol.5(1), 93- 98 (2021).
Budiono., E. (2020). Analysis Financial Knowledge, Financial Attitude, Income, Locus Of Control, Financial Management Behavior Masyarakat Kota Kediri. Jurnal Ilmu Manajemen (JIM). Vol. 8(1) (2020).
Cahyaningrum., B., & Muhammad Ali Fikri. (2021). Peran Pemediasi Locus Of Control pada Pengaruh Financial Knowledge dan Financial Attitude terhadap Financial Management Behavior. Jurnal Ilmu Manajemen. Vol. 9(4) (2021).
DataIndonesia. (2023). Nilai Transaksi Pengguna Fintech Indonesia Diprediksi Terus Naik. DataIndonesia. https://dataindonesia.id/digital/detail/nilaitransaksi-pengguna-fintech-indonesia-diprediksi-terus-naik.
Dew, J., & Xiao, J. J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43.
Djkn Kemenkeu. (2021). https://www.djkn.kemenkeu.go.id/kanwil-jabar/bacaartikel/14040/Menyikapi-Pinjaman-Online-Anugerah-atau-Musibah.html.
Farida., M., N., et al. (2021). Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior. International Journal of Education & Literacy Studies. Vol. 9(1), 202-9478 (2021).
Geotimes. (2018). Konsumerisme dan Falsafah Hidup Masyarakat Indonesia. Geotimes. https://geotimes.id/opini/konsumerisme-pergeseran-falsafahhidup-masyarakat-indonesia/
Ghozali, I. (2017). Model persamaan struktural konsep dan aplikasi. dengan program AMOS 24. Badan Penerbit Universitas Diponegoro.
Haqiqi., A., F., Z., & Tri Kartika Pertiwi. (2022). Pengaruh Financial Technology, Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan Generasi Z di Era Pandemi Covid-19 pada Mahasiswa UPN “Veteran” Jawa Timur. Journal Of Management & Business. 5(2) (2022).
Humaidi., A., et al (2020). The Effect of Financial Technology, Demography, and Financial Literacy on Financial Management Behavior of Productive Age in Surabaya, Indonesia. International Journal of Advances in Scientific Research and Engineering (ijasre). Vol 6(1), 2454-8006 (2020).
Hung., & Binjie Luo. (2016). FinTech in Taiwan: a case study of a Bank’s strategic planning for an Investment in a FinTech Company. Financial Innovation. 2:15 (2016).
Ida., & Cinthia Yohana Dwinta. (2010). Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Vol.12(3)- 131-144 (2010).
Katadata (2023). https://databoks.katadata.co.id/datapublish/2023/06/14/ada-39- ribu-aduan-kasus-pinjol-ilegal-sejak-awal-2023-ini-tren-bulanannya.
Khairani., F., & Mohamad Fany Alfarisi. (2019). Analisi Pengaruh Financial Attitude, Financial Knowledge, Pendidikan Orang Tua Dan Parental Income Terhadap Financial Management Behavior Pada Mahasiswa S1 Universitas Andalas Padang. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen. Vol. 4(1)- 360-371 (2019).
Kominfo (2021). https://aptika.kominfo.go.id/2021/11/satgas-sudah-blokir-3-631- pinjol-ilegal-per-12-november-2021/.
Mardhatillah., R., A., et al. (2020). Pengaruh Financial Knowledge, Financial Attitude Dan Locus Of Control Terhadap Financial Management Behavior. (Studi Kasus Pada Pelaku Ekonomi Kreatif Sub Sektor Fashion Kota Kediri). e – Jurnal Riset Manajemen. (2020).
Mulyanti., D., & Ai Nurhayati. (2022). Penerapan Literasi Keuangan Dan Penggunaan Financial Technology Untuk Menilai Kinerja Keuangan UMKM Di Jawa Barat. Ekono Insentif. Vol. 16(2), 2564-7163 (2022).
Novianti., R., & Nora Ria Retnasih. (2023). Financial Literacy, Financial Technology (FinTech), and Locus of Control on Financial Management Behavior. Ekonomis: Journal of Economics and Business. Vol. 7(1), 422-428 (2023).
Pradiningtyas., T., E., & Fitri Lukiastuti. (2019). Pengaruh Pengetahuan Dan Sikap Keuangan terhadap Losuc Of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide dan Inspirasi. Vol.6(1)- 96-112 (2019).
Purwaningrat., P., A., et al. (2019). Managing Personal Finance: The Role of Spiritual and Financial Knowledge. Warmadewa Management and Business Journal (WMBJ). Vol. 1(2), 93-101 (2019).
Purwidianti., W., et al. (2019). The Effect Of Financial-Related Experience, Behavioral Intention, Spiritual Intelligence And Gender On Family Financial Behavior. Muhammadiyah International Journal of Economics and Business. Vol. 2(2), 2685-7405 (2019).
Preacher K. J. (2023). Calculation For The Sobel Test. www.quantspy.org. https://quantpsy.org/sobel/sobel.htm.
Putri., I., R., & Abel Tasman. (2019). Pengaruh Financial Literacy dan Income terhadap Personal Financial Management Behavior pada Generasi Millennial Kota Padang. Jurnal Kajian Manajemen dan Wirausaha. Vol.1(1), (2019).
Ramadhan., A., Y., & nadia Asandimitra. (2019). Determinants Of Financial Management Behavior Of Millenial Generation In Surabaya. Jurnal Minds: Manajemen Ide dan Inspirasi. Vol. 6(2) (2019).
Rizkiawati., N., L., & Nadia Asandimitra. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus Control Dan Financial Self-efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen. Vol. 6(3) (2018).
Sampoerno., A., E., & Nadia Asandimitra. (2021). Pengaruh Financial Literacy, Income, Hedonism Lifestyle. Self-control, Dan Risk Tolerance Terhadap Financial Management Behavior Pada Generasi Milenial. Jurnal Ilmu Manajemen. Vol. 9(3), (2021).
Shefrin, H. (2000). Beyond greed and fear: Understanding behavioral finance and psychology of investing.
Siswanti., I., & Adiyati Mayang Halida. (2020). Financial Knowledge, Financial Attitude, And Financial Management Behavior: Self-Control As Mediating. The International Journal of Accounting and Business Society. Vol. 28(1) (2020).
Subiantoro., N., et al. (2022). Improving Financial Management Behavior Through Financial Attitude, Financial Knowledge, And Financial Technology in Students STIE Graha Kirana Medan. Enrichment: Journal of Management. 12(2), 1403-1412 (2022).
Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D (26th ed.). Alfabeta.
Suharsimi., A. (2010). Prosedur penelitian suatu pendekatan praktik. Rineka Cipta.
Suparsaputra, U. (2013). Menjadi guru berkarakter. PT Refika Aditama.
Supramono, G. (2014). Perjanjian utang piutang (Pertama; J). Kencana Prenadamedia Group.
Wahyuni., S., F., et al. (2022). Model Praktik Manajemen Keuangan Pribadi Berbasis Literasi Keuangan, Orientasi Masa Depan dan Kecerdasan Spiritual pada Generasi “Y” Di Kota Medan. Owner: Riset & Jurnal Akuntansi. Vol. 6(2), 548-7507 (2022).
Wiranti., A. (2020). Pengaruh Financial Technology, Financial Literacy, Financial Knowledge, Locus Of Control dan Income Terhadap Perilaku Keuangan. jurnal Ilmu Manajemen. Vol. 10(2) (2022).
Zohar, D., & Marshall, I. (2007). SQ-Kecerdasan Spiritual. Mizan Pustaka.
