Pengaruh Pembelajaran di Perguruan Tinggi, Pengetahuan Keuangan, Kontrol Perilaku, Pendapatan Orang Tua, dan Pendapatan Perseorangan terhadap Perilaku Keuangan Mahasiswa
DOI:
https://doi.org/10.26740/jim.v10n2.p433-445Keywords:
behavioral control, financial knowledge, financial behavior, learning in higher education, parents' incomeAbstract
This study examines students' financial behaviour from the economics faculty at a private university in Surabaya and analyses the relationship between college learning, financial knowledge, behaviour control, parents' income, and personal income. The object of this research is the student in Surabaya and data collection techniques using purposive sampling. The total number of respondents obtained is 278 by distributing online questionnaires. This research is conclusive causality and uses Structural Equation Modeling (SEM) analysis technique in AMOS software version 24. This study showed that college learning, financial knowledge, behaviour control, parents' income, and personal income significantly affect financial behaviour. It proves that knowledge of money affects considering financial expenditures, and reasonable behavioural control can control buying behaviour, and the more income increases, the more financial expenses will increase. This study can be a valuable reference for various parties, mainly students, who must begin to learn to organise and make decisions in managing their finances. A person's sense of responsibility in their financial behaviour will help them make good money decisions by budgeting, saving, controlling spending, investing, and paying debts on time.
References
Agung, Adnan, E., Oktariina, H., & Bungatang, B. (2021). Pengaruh Tingkat Literasi Keuangan dan Pembelajaran di Perguruan Tinggi terhadap Perilaku Keuangan Mahasiswa. Phinisi Integration Review, 4(1), 150–155. https://doi.org/10.26858/pir.v4i1.19402
Astungkoro, A. (2021). BEM Nusantara Bahas Peran Mahasiswa dalam Pemulihan Ekonomi. Republika.Co.Id. (https://www.republika.co.id/berita/r3kdem354/bem-nusantara-bahas-peran-mahasiswa-dalam-pemulihan-ekonomi, diakses pada 11 Februari 2022)
BPS. (2020). Jumlah Perguruan Tinggi, Mahasiswa, Tenaga Pendidik, (Negeri dan Swasta) di Bawah Kementerian Riset, Teknologi dan Pendidikan Tinggi Menurut Kabupaten/Kota, 2019 dan 2020. Badan Pusat Statistik Provinsi Jawa Timur. (https://jatim.bps.go.id/statictable/2021/09/06/2218/jumlah-perguruan-tinggi-mahasiswa-dan-tenaga-pendidik-negeri-dan-swasta-di-bawah-kementerian-riset-teknologi-dan-pendidikan-tinggi-menurut-kabupaten-kota-2019-dan-2020.html, diakses pada 27 Oktober 2021)
Cahyani, P., & Rochmawati, R. (2021). Pengaruh Pengetahuan Keuangan , Teman Sebaya , dan Parental Income terhadap Perilaku Keuangan dengan Self-Control sebagai Moderasi. Jurnal Ecogen, 4(2), 224–239. http://dx.doi.org/10.24036/jmpe.v4i2.11232
Coskun, A., & Dalziel, N. (2020). Mediation Effect of Financial Attitude on Financial Knowledge and Financial Behavior: The Case of University Students. International Journal of Research In Business and Social Science, 9(2), 1–8. https://doi.org/https://doi.org/10.20525/ijrbs.v9i2.647
Darmawan, A., & Pratiwi, F. A. (2020). Pengaruh Pendidikan Keuangan Keluarga , Pembelajaran Keuangan di Perguruan Tinggi , Sikap Keuangan dan Teman Sebaya terhadap Literasi Keuangan Mahasiswa. Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi, 19(1), 27–37. https://doi.org/10.32639/fokusbisnis.v19i1.499
Devi, L., Mulyati, S., & Umiyati, I. (2020). Pengaruh Pengetahuan Keuangan, Pengalaman Keuangan, Tingkat Pendapatan, dan Tingkat Pendidikan terhadap Perilaku Keuangan. JASS (Journal of Accounting for Sustainable Society), 2(02), 78–109. https://doi.org/10.35310/jass.v2i02.673
Halimatussakdiyah, Martono, S., & Sudarma, K. (2019). Influence of Life Style and Financial Literacy to Consumptive Behavior Through Self-Control of Unisnu FEB College Students Jepara. Journal of Economic Education. 8(37), 75–80. https://doi.org/10.15294/JEEC.V8I1.32080
Herawati, N. T. (2015). Kontribusi Pembelajaran di Perguruan Tinggi dan Literasi Keuangan terhadap Perilaku Keuangan Mahasiswa. Jurnal Pendidikan dan Pengajaran, 48(1–3), 60–70. https://doi.org/10.23887/jppundiksha.v48i1-3.6919
Indepth.com. (2020). Populasi Milenial Potensial Menjadi Generasi Melek Keuangan. (https://www.indotelko.com/read/1580334079/populasi-keuangan, diakses pada 27 Oktober 2021)
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior pada Masyarakat Surabaya. Journal of Business and Banking. 3(1), 69–80. http://dx.doi.org/10.14414/jbb.v3i1.255
Meydiningrum, & Darminto, E. (2020). Perilaku Agresif Ditinjau dari Perspektif Teori Belajar Sosial dan Kontrol Diri. Jurnal BK UNESA, 11(4), 10-12.
Muhidia, S. (2019). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Locus of Control terhadap Perilaku Keuangan Mahasiswa Prodi Manajemen Universitas Muhammadiyah. Jurnal Manajerial, 5(2), 58–65. https://doi.org/http://dx.doi.org/10.30587/manajerial.v5i2.840
Nababan, D., & Sadalia, I. (2013). Analisis Personal Financial Literacy dan Financial Behavior Mahasiswa Strata 1 Fakultas Ekonomi Universitas Sumatera Utara. Jurnal Media Informasi Manajemen, 1(1), 9-12. https://jurnal.usu.ac.id/index.php/jmim/article/view/651
Nusron, L. A., Wahidiyah, M., & Budiarto, D. S. (2018). Antecedent Factors of Financial Management Behavior: an Empirical Research Based on Education. KnE Social Sciences, 3(10), 437–445. https://doi.org/10.18502/KSS.V3I10.3146
Potrich, A. C. G., Vieira, K. M., & Mendes-Da-Silva, W. (2016). Development of a Financial Literacy Model for University Students. Management Research Review 39(3), 47-53. https://doi.org/10.1108/MRR-06-2014-0143
Purwidianti, W., & Mudjiyanti, R. (2016). Analisis Pengaruh Pengalaman Keuangan dan Tingkat Pendapatan terhadap Perilaku Keuangan Keluarga di Kecamatan Purwokerto Timur. Benefit: Jurnal Manajemen dan Bisnis, 1(2), 141–148. https://doi.org/10.23917/benefit.v1i2.3257
Puspita, G., & Isnalita, I. (2019). Financial Literacy: Pengetahuan, Kepercayaan Diri dan Perilaku Keuangan Mahasiswa Akuntansi. Owner: Riset dan Jurnal Akuntansi, 3(2), 117–128. https://doi.org/10.33395/owner.v3i2.147
Putri, H. N., & Rahmi, E. (2019). Pengaruh Pendapatan Orang Tua terhadap Perilaku Keuangan Mahasiswa Pendidikan Ekonomi FE UNP. Jurnal Ecogen, 2(3), 315–326. https://doi.org/10.24036/jmpe.v2i3.7373
Reviandani, W. (2019). Pengaruh Pengalaman Keuangan dan Tingkat Pendapatan terhadap Perilaku Keuangan Keluarga di Desa Yosowilangun Kecamatan Manyar Gresik. Jurnal Manajerial, 6(01), 48–58. https://doi.org/10.30587/manajerial.v6i01.862
Sari, E. Y. N., & Anam, A. K. (2021). Sikap Keuangan, Kontrol Perilaku, Efikasi Diri dan Perilaku Keuangan. Organum: Jurnal Saintifik Manajemen dan Akuntansi, 4(1), 28–39. https://doi.org/10.35138/organum.v4i1.134
Serido, J., Shim, S., & Tang, C. (2013). A Developmental Model of Financial Capability: a Framework for Promoting a Successful Transition to Adulthood. International Journal of Behavioral Development, 37(4), 287–297. https://doi.org/10.1177/0165025413479476
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does Self-Control Predict Financial Behavior and Financial Well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
Suryanto. (2017). Pola Perilaku Keuangan Mahasiswa di Perguruan Tinggi. Jurnal Ilmu Politik dan Komunikasi, 7(1), 11–20. https://doi.org/10.34010/JIPSI.V7I1.328
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta
Tang, N., & Baker, A. (2016). Self-esteem, Financial Knowledge and Financial Behavior. Journal of Economic Psychology, 54, 164–176. https://doi.org/10.1016/j.joep.2016.04.005
Van Rooij, M. C., Lusardi, A., & Alessie, R. J. (2011). Financial Literacy and Retirement Planning in the Netherlands. Journal of Economic Psychology, 32(4), 593–608. https://doi.org/https://doi.org/10.1016/j.joep.2011.02.004
Yud. (2018). Menristekdikti: Mahasiswa Indonesia Mencapai 7,5 Juta. Beritasatu.Com. (https://www.beritasatu.com/archive/521969/menristekdikti-mahasiswa-indonesia-mencapai-75-juta, diakses pada 14 November 2021)
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons:Attribution-NonCommercial 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.