FAKTOR DETERMINAN PERILAKU KEUANGAN PRIBADI (PERSONAL FINANCE) (STUDI KASUS PADA MAHASISWA MAGISTER MANAJEMEN UNIVERSITAS NEGERI JAKARTA)

ABRIANI, DEISY SISKA (2019) FAKTOR DETERMINAN PERILAKU KEUANGAN PRIBADI (PERSONAL FINANCE) (STUDI KASUS PADA MAHASISWA MAGISTER MANAJEMEN UNIVERSITAS NEGERI JAKARTA). S2 thesis, Universitas Negeri Jakarta.

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Abstract

Broadly, the purpose of this research is: 1) analyzing factors affecting personal financial behavior, 2) testing the hypothesis of the influence of financial knowledge, financial attitude, locus of control, and income to financial behavior master of management students the State University of Jakarta. The analytical unit is master of management students the State University of Jakarta. The observation Unit is 110 respondents who are a master of management students of the State University of Jakarta who registered from february 2015 to february 2017 with active status and have been awarded a matriculation program. Data collection techniques with questionnaires and observations. Data analysis techniques using multiple regression analyses and the One-Way Univariate test of ANOVA with SPSS 22. Descriptive analysis results show: a) The financial knowledge level respondents reached 83%; b) The financial attitude has the highest index compared to other dimensions (87%); and c) Locus of Control (79%). Hypothesized testing results showed: 1) there is an influence of financial knowledge on financial behavior with Tstatistic obtained 3.968 > ttable = 1.659 and the value of prob. Value = 0.000 < 0.05 then H1 accepted and significant. 2) There is an influence of financial attitude towards the behavior of personal financial directly and significantly positive with tstatistic obtained 4.700 > T table = 1.659 and the value of prob. Value = 0.000 < 0.05 then H1 accepted and significant. 3) Locus of control has not influenced personal financial behavior with tstatistic obtained 0.257 < t table = 1.659 and the value of prob. Value = 0.798 > 0.05 then H1 is not accepted. 4) Income have significant influence on personal financial behaviour with the test results showed the value of F is 3.436 with a Sig of 0.020 < 0.05, the H1 is acceptable, so it can be concluded that there is a significant difference in personal financial behaviour that respondents have based on four income categories. Testing the hypothesis proves that revenues affect personal financial behavior. Keywords: Financial Behavior, Financial Knowledge, Financial Attitudes, Locus of Control, Income.

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