PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, LOCUS OF CONTROL DAN INCOME TERHADAP FINANCIAL MANAGEMENT BEHAVIOR (Studi Kasus pada Aparatur Sipil Negara (ASN) di Kabupaten Magetan)

THE INFLUENCE OF FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, LOCUS OF CONTROL AND INCOME ON FINANCIAL MANAGEMENT BEHAVIOR (Case Study of State Civil Apparatus (ASN) in Magetan Regency)

ABSTRAK

Arif Fera Damaiyanti, Pengaruh Financial Knowledge, Financial Attitude, Locus of Control dan Income Terhadap Financial Management Behavior (Studi Kasus pada Aparatur Sipil Negara (ASN) di Kabupaten Magetan), Tesis, Magetan, Fakultas Ekonomika dan Bisnis, 2024.

Penelitian ini bertujuan untuk menguji Pengaruh Financial Knowledge, Financial Attitude, Locus of Control dan Income Terhadap Financial Management Behavior (Studi Kasus pada Aparatur Sipil Negara (ASN) di Kabupaten Magetan). Objek penelitian ini adalah ASN Non Guru di Kabupaten Magetan dengan pendapatan berasal dari Gaji dan TPP dan menggunakan teknik purposive sampling. Total responden yang diperoleh adalah 317 responden dengan menyebarkan kuesioner secara online dan offline. Penelitian ini menggunakan pendekatan kuantitatif dengan Structural Equation Modeling (SEM) pada software AMOS. Hasil penelitian menunjukkan bahwa financial knowledge, financial attitude, locus of control dan income berpengaruh signifikan terhadap financial management behavior. Responden sebagian besar berusia >30 tahun, memiliki pendapatan tetap antara Rp.4.500.000 – Rp.6.900.000 dan sudah menikah sehingga mempunyai pola pikir yang cukup baik dalam mengatur dan mengambil keputusan yang tepat untuk pengelolaan keuangan yang bijak. Responden memiliki pengetahuan keuangan sehingga selektif dalam pengeluaran dan membandingkan produk lembaga keuangan dan investasi yang sesuai dengan pendapatan. Jumlah pendapatan tetap yang tidak terlalu besar menyebabkan responden cenderung lebih bertanggungjawab dan memiliki pengendalian diri terhadap pengeluaran keuangannya, yaitu dengan mengutamakan kebutuhan daripada keinginan.

Kata Kunci :  financial knowledge, financial attitude, locus of control, income, financial management behavior

ABSTRACT

Arif Fera Damaiyanti, The Influence of Financial Knowledge, Financial Attitude, Locus of Control and Income on Financial Management Behavior (Case Study of State Civil Apparatus (ASN) in Magetan Regency), Thesis, Magetan, Faculty of Economics and Business, 2024.

This research aims to examine the influence of Financial Knowledge, Financial Attitude, Locus of Control and Income on Financial Management Behavior (Case Study of State Civil Apparatus (ASN) in Magetan Regency). The object of this research is non-teacher ASN in Magetan Regency with income coming from salaries and TPP and using purposive sampling techniques. The total number of respondents obtained was 317 respondents by distributing questionnaires online and offline. This research uses a quantitative approach with Structural Equation Modeling (SEM) in AMOS software. The research results show that financial knowledge, financial attitude, locus of control and income have a significant effect on financial management behavior. Most of the respondents were >30 years old, had a fixed income between Rp. 4,500,000 – Rp. 6,900,000 and were married so they had a fairly good mindset in managing and making the right decisions for wise financial management. Respondents have financial knowledge so they are selective in spending and compare financial institution products and investments according to income. The amount of fixed income that is not too large causes respondents to tend to be more responsible and have self-control over their financial expenditure, namely by prioritizing needs over desires.

Keywords: financial knowledge, financial attitude, locus of control, income, financial management behavior