Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya
DOI:
https://doi.org/10.26740/jim.v9n2.p572-586Keywords:
financial attitude, financial literacy, financial management behavior, financial self efficacy, incomeAbstract
Finance is one of the factors in the development of a business. Therefore, the entrepreneur should be able to handle finances well to reach business purposes. Based on the previous studies, the purpose of this research is to determine the effect of several factors such as financial literacy, financial knowledge, financial attitude, income, and financial self-efficacy on financial management behavior. The research sample is 211 entrepreneur who has graduated from college in Surabaya. This research used conclusive causality research with primary data. The sampling technique used purposive sampling and snowball sampling method, and data distribution using an online questionnaire. SEM (Structural Equation Model) used for data analysis technique and using AMOS 24. The hypothesis showed that financial knowledge, income, and financial self-efficacy did not affect financial management behavior, but financial literacy and financial attitude influence financial management behavior. Therefore, the entrepreneur needs to improve financial literacy and financial attitude to manage finance on the business better.References
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Herawati, N. T., Candiasa, I. M., Yadnyana, I. K., & Suharsono, N. (2018). Factors That Influence Financial Behavior Among Accounting Students in Bali. International Journal of Business Administration, 9(3), 30. https://doi.org/10.5430/ijba.v9n3p30
Humaira, I., & Sagoro, E. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian terhadap Perilaku Manajemen Keuangan pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Jurnal Nominal, VII(1), 96110.
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Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 6980.
Komaria, N., & Ratnawarti, K. (2018). Pengaruh Financial Attitude, Financial Knowledge, Dan Personal Income Terhadap Personal Financial Management Behavior Pada Karyawan Generasi Milenial Pt. Petrokimia Gresik. Journal of Chemical Information and Modeling, 53(9), 16891699.
Lown, J. M. (2011). 2011 oustanding AFCPE® Conference paper: Development and validation of a Financial Self-Efficacy Scale. Journal of Financial Counseling and Planning, 22(2), 5463.
Mahgfiroh, cheny roghibatul, Susyanti, J., & Wahono, B. (2020). Pengaruh Financial Attitude, Financial Knowledge, Dan Parental Income Terhadap Financial Management Behavior Dengan Love Of Money Sebagai Variabel Intervening (Studi Kasus Pada Mahasiswa-Mahasiswi Perguruan Tinggi Negeri Dan Swasta Di Kota Malang). E-Jurnal Riset Manajemen, 9(6), 4863.
Masdupi, E., & Rasyid, R. (2020). Financial Management Behavior at Productive Age Community in Bukittinggi. 4th Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-2 2019), 124, 673681.
Mien, N. T. N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors¯: Evidence from Vietnam. Second Asia-Pasific Conference on Global Business, Economics, Finance and Social SCiences, 1012.
Nobriyani, A. P., & Haryono, N. A. (2019). Faktor-Faktor yang Memengaruhi Financial Management Behavior pada Keluarga TKI di Kabupaten Ponorogo. Jurnal Ilmu Manajemen Universitas Negeri Surabaya, 7(3), 841856.
Nugraheny, D. E., & Meiliana, D. (2020). Data Kependudukan 2020: Penduduk Indonesia 268.583.016 Jiwa. Kompas. (https://nasional.kompas.com/data-kependudukan-2020-penduduk-indonesia-268583016-jiwa, diakses pada 21 Oktober 2020).
Otoritas Jasa Keuangan. (2014). Literasi Keuangan. OJK. https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/Literasi-Keuangan.aspx, diakses pada 19 November 2020).
Otoritas Jasa Keuangan. (2017). Undang-Undang Nomor 20 Tahun 2008 Tentang Usaha Mikro, Kecil, dan Menengah. Ojk.Go.Id. (https://www.ojk.go.id/sustainable-finance/id/peraturan/undang-undang/Pages/Undang-Undang-Republik-Indonesia-Nomor-20-Tahun-2008-Tentang-Usaha-Mikro,-Kecil,-dan-Menengah.aspx, diakses pada 31 Mei 2021).
Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis Factors Influencing Financial Management Behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8), 308326. https://doi.org/10.6007/ijarbss/v8-i8/4471
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Purwidianti, W., & Tubastuvi, N. (2019). The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia. Jurnal Dinamika Manajemen, 10(1), 4045. https://doi.org/10.15294/jdm.v10i1.16937
Putra, Y. S. (2020). Survei: Generasi Milenial Ingin Menabung, Tapi Banyak yang Tidak Bisa. Liputan 6. (https://www.liputan6.com/bisnis/read/4440728/survei-generasi-milenial-ingin-menabung-tapi-banyak-yang-tidak-bisa, diakses pada 29 Maret 2021).
Putri, M. H., & Pamungkas, A. S. (2019). Pengaruh Financial Knowledge , Locus of Control dan Financial Self Efficacy Terhadap Financial Behavior. Jurnal Manajerial Dan Kewirausahaan, I(4), 890889.
Rahmawati, N. W., & Haryono, N. A. (2020). Analisis Faktor yang Memengaruhi Financial Management Behavior dengan Mediasi Locus of Control. Jurnal Ilmu Manajemen, 8(2), 549563.
Ramadhan, A. Y., & Asandimitra, N. (2019). Determinants of Financial Management Behavior of Millennial Generation in Surabaya. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(2), 129. https://doi.org/10.24252/minds.v6i2.9506
Redaksi. (2019). Kelompok Sarjana Dominasi Pengangguran Jatim, Ini Angkanya. Expost News. (https://expostnews.com/kelompok-sarjana-dominasi-pengangguran-jatim-ini-angkanya/, diakses pada 14 Oktober 2020).
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control Dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3).
Rosyadah, K. (2020). The Influence of Financial Knowledge, Financial Attitudes, And Personality To Financial Management Behavior For Micro, Small And Medium Enterprises Typical Food of Coto Makassar. JHSS (Journal of Humanities and Social Studies), 04(02), 152156.
Siswanti, I., & Halida, A. M. (2020). Financial Knowledge, Financial Attitude, And Financial Management Behavior: Self-Control as Mediating. The International Journal of Accounting and Business Society, 28(01), 105132.
Sodikin, S. S., & Riyono, B. A. (2014). Akuntansi Pengantar 1 (sembilan). Yogyakarta: UPP STIM YKPN.
Sugiyanto, T., Radianto, W. E., Christian, T., & Dewi, L. (2019). Financial Literacy, Financial Attitude, And Financial Behavior of Young Pioneering Business Entrepreneurs. Advances in Economics, Business and Management Research, 100, 353358.
Ulya, F. N., & Sukmana, Y. (2019). BPS: Pengangguran Meningkat, Lulusan SMK Mendominasi. Kompas. (https://money.kompas.com/read/2019/11/05/155358926/bps-pengangguran-meningkat-lulusan-smk-mendominasi, diakses pada 17 November 2020).
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2016). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. International Journal of Administrative Science & Organization, 23(3).
Ajzen, I. (1991). The Theory of Planned Behavior The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), 179211. https://doi.org/10.1016/0749-5978(91)90020-T
Ardianto, P. (2020). Literasi Keuangan Harus Ditingkatkan Terutama di Kalangan Milenial. Investor.Id. (https://investor.id/finance/literasi-keuangan-harus-ditingkatkan-terutama-di-kalangan-milenial, diakses pada 29 Maret 2021)
Arifin, A. Z. (2019). The Influence of Financial Knowledge , Control and Income on Individual Financial Behavior. European Research Studies Journal, 20(July), 635648.
Bandura, A. (1977). Self-Efficacy: Toward A Unifying Theory Of Behavioral Change. Psychological Review, 84(2), 191215.
Budiarto, T. (2015). Peranan Mata Kuliah Kewirausahaan Dalam Meningkatkan Minat Mahasiswa Untuk Berwirausaha. Kompasiana. (https://www.kompasiana.com/paansiih/peranan-mata-kuliah-kewirausahaan-dalam-meningkatkan-minat-mahasiswa-untuk-berwirausaha, diakses pada 21 November 2020).
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107128.
Dayanti, F. K., Susyanti, J., & S, M. K. A. B. (2020). Pengaruh Literasi Keuangan, Pengetahuan Keuangan Dan Sikap Keuangan Terhadap Perilaku Manajemen Keuangan Pada Pelaku Usaha UMKM Fashion Di Kabupaten Malang. E-Jurnal Riset Manajemen, 9(13), 160174.
Dirjen Dikti Kemendikbud. (2020). Direktorat Kemahasiswaan. Direktorat Jenderal Pendidikan Tinggi Kementerian Pendidikan Dan Kebudayaan RI. (http://dikti.go.id/mahasiswa/, diakses pada 17 November 2020).
Forbes, J., & Kara, S. M. (2010). Confidence Mediates How Investment Knowledge Influences Investing Self- Efficacy. Journal of Economic Psychology, 31, 435443.
Garman, E. T., & Forgue, R. (1985). Personal Finance. USA Houghton Mifflin company.
Herawati, N. T., Candiasa, I. M., Yadnyana, I. K., & Suharsono, N. (2018). Factors That Influence Financial Behavior Among Accounting Students in Bali. International Journal of Business Administration, 9(3), 30. https://doi.org/10.5430/ijba.v9n3p30
Humaira, I., & Sagoro, E. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian terhadap Perilaku Manajemen Keuangan pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Jurnal Nominal, VII(1), 96110.
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131144.
Ida, Zaniarti, S., & Wijaya, G. E. (2020). Financial Literacy, Money Attitude, Dan Financial Management Behavior Generasi Milenial. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 4(2), 406413.
Kementerian Koperasi dan UKM. (2018). Data UMKM. Departemen Koperasi Dan UKM. (http://www.depkop.go.id/data-umkm, diakses pada 19 Oktober 2020).
Kementerian Koperasi dan UKM. (2020). Kemenkop Dan UKM Berharap Lulusan Perguruan Tinggi DiTuntut Berkarya Kreatif dan Inovatif. Kementerian Koperasi Dan UKM. (http://kemenkopukm.go.id/read/kemenkop-dan-ukm-berharap-lulusan-perguruan-tinggi-dituntut-berkarya-kreatif-dan-inovatif, diakses pada 16 Oktober 2020).
Kencana, M. R. B. (2020, August 6). OJK Nilai Literasi Keuangan Harus Dikenalkan Sejak SD. Liputan 6. (https://www.liputan6.com/bisnis/read/4324192/ojk-nilai-literasi-keuangan-harus-dikenalkan-sejak-sd, diakses pada 17 November 2020).
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 6980.
Komaria, N., & Ratnawarti, K. (2018). Pengaruh Financial Attitude, Financial Knowledge, Dan Personal Income Terhadap Personal Financial Management Behavior Pada Karyawan Generasi Milenial Pt. Petrokimia Gresik. Journal of Chemical Information and Modeling, 53(9), 16891699.
Lown, J. M. (2011). 2011 oustanding AFCPE® Conference paper: Development and validation of a Financial Self-Efficacy Scale. Journal of Financial Counseling and Planning, 22(2), 5463.
Mahgfiroh, cheny roghibatul, Susyanti, J., & Wahono, B. (2020). Pengaruh Financial Attitude, Financial Knowledge, Dan Parental Income Terhadap Financial Management Behavior Dengan Love Of Money Sebagai Variabel Intervening (Studi Kasus Pada Mahasiswa-Mahasiswi Perguruan Tinggi Negeri Dan Swasta Di Kota Malang). E-Jurnal Riset Manajemen, 9(6), 4863.
Masdupi, E., & Rasyid, R. (2020). Financial Management Behavior at Productive Age Community in Bukittinggi. 4th Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-2 2019), 124, 673681.
Mien, N. T. N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors¯: Evidence from Vietnam. Second Asia-Pasific Conference on Global Business, Economics, Finance and Social SCiences, 1012.
Nobriyani, A. P., & Haryono, N. A. (2019). Faktor-Faktor yang Memengaruhi Financial Management Behavior pada Keluarga TKI di Kabupaten Ponorogo. Jurnal Ilmu Manajemen Universitas Negeri Surabaya, 7(3), 841856.
Nugraheny, D. E., & Meiliana, D. (2020). Data Kependudukan 2020: Penduduk Indonesia 268.583.016 Jiwa. Kompas. (https://nasional.kompas.com/data-kependudukan-2020-penduduk-indonesia-268583016-jiwa, diakses pada 21 Oktober 2020).
Otoritas Jasa Keuangan. (2014). Literasi Keuangan. OJK. https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/Literasi-Keuangan.aspx, diakses pada 19 November 2020).
Otoritas Jasa Keuangan. (2017). Undang-Undang Nomor 20 Tahun 2008 Tentang Usaha Mikro, Kecil, dan Menengah. Ojk.Go.Id. (https://www.ojk.go.id/sustainable-finance/id/peraturan/undang-undang/Pages/Undang-Undang-Republik-Indonesia-Nomor-20-Tahun-2008-Tentang-Usaha-Mikro,-Kecil,-dan-Menengah.aspx, diakses pada 31 Mei 2021).
Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis Factors Influencing Financial Management Behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8), 308326. https://doi.org/10.6007/ijarbss/v8-i8/4471
Purwanto, A. (2020). Potret dan Tantangan UMKM di Indonesia. Kompas. (https://kompaspedia.kompas.id/baca/paparan-topik/potret-dan-tantangan-umkm-di-indonesia, diakses pada 17 November 2020).
Purwidianti, W., & Tubastuvi, N. (2019). The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia. Jurnal Dinamika Manajemen, 10(1), 4045. https://doi.org/10.15294/jdm.v10i1.16937
Putra, Y. S. (2020). Survei: Generasi Milenial Ingin Menabung, Tapi Banyak yang Tidak Bisa. Liputan 6. (https://www.liputan6.com/bisnis/read/4440728/survei-generasi-milenial-ingin-menabung-tapi-banyak-yang-tidak-bisa, diakses pada 29 Maret 2021).
Putri, M. H., & Pamungkas, A. S. (2019). Pengaruh Financial Knowledge , Locus of Control dan Financial Self Efficacy Terhadap Financial Behavior. Jurnal Manajerial Dan Kewirausahaan, I(4), 890889.
Rahmawati, N. W., & Haryono, N. A. (2020). Analisis Faktor yang Memengaruhi Financial Management Behavior dengan Mediasi Locus of Control. Jurnal Ilmu Manajemen, 8(2), 549563.
Ramadhan, A. Y., & Asandimitra, N. (2019). Determinants of Financial Management Behavior of Millennial Generation in Surabaya. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(2), 129. https://doi.org/10.24252/minds.v6i2.9506
Redaksi. (2019). Kelompok Sarjana Dominasi Pengangguran Jatim, Ini Angkanya. Expost News. (https://expostnews.com/kelompok-sarjana-dominasi-pengangguran-jatim-ini-angkanya/, diakses pada 14 Oktober 2020).
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control Dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3).
Rosyadah, K. (2020). The Influence of Financial Knowledge, Financial Attitudes, And Personality To Financial Management Behavior For Micro, Small And Medium Enterprises Typical Food of Coto Makassar. JHSS (Journal of Humanities and Social Studies), 04(02), 152156.
Siswanti, I., & Halida, A. M. (2020). Financial Knowledge, Financial Attitude, And Financial Management Behavior: Self-Control as Mediating. The International Journal of Accounting and Business Society, 28(01), 105132.
Sodikin, S. S., & Riyono, B. A. (2014). Akuntansi Pengantar 1 (sembilan). Yogyakarta: UPP STIM YKPN.
Sugiyanto, T., Radianto, W. E., Christian, T., & Dewi, L. (2019). Financial Literacy, Financial Attitude, And Financial Behavior of Young Pioneering Business Entrepreneurs. Advances in Economics, Business and Management Research, 100, 353358.
Ulya, F. N., & Sukmana, Y. (2019). BPS: Pengangguran Meningkat, Lulusan SMK Mendominasi. Kompas. (https://money.kompas.com/read/2019/11/05/155358926/bps-pengangguran-meningkat-lulusan-smk-mendominasi, diakses pada 17 November 2020).
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2016). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. International Journal of Administrative Science & Organization, 23(3).
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2021-06-30
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Pramedi, A. D., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya. Jurnal Ilmu Manajemen, 9(2), 572–586. https://doi.org/10.26740/jim.v9n2.p572-586
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