PERAN FINANCIAL KNOWLEDGE, PENDAPATAN, LOCUS OF CONTROL, FINANCIAL ATTITUDE, FINANCIAL SELF-EFFICACY, DAN PARENTAL FINANCIAL SOCIALIZATION TERHADAP FINANCIAL MANAGEMENT BEHAVIOR MASYARAKAT DI KABUPATEN SIDOARJO

THE INFLUENCE OF FINANCIAL KNOWLEDGE, INCOME, LOCUS OF CONTROL, FINANCIAL ATTITUDE, FINANCIAL SELF-EFFICACY, AND PARENTAL FINANCIAL SOCIALIZATION TO FINANCIAL MANAGEMENT BEHAVIOR IN SIDOARJO

Rasio konsumsi masyarakat Indonesia sangat tinggi dibandingkan angka tabungan. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi perilaku pengelolaan keuangan masyarakat Sidoarjo. Faktor yang digunakan dalam penelitian ini adalah financial knowledge, pendapatan, locus of control, financial attitude, financial self-efficacy, dan parental financial socialization. Penelitian ini menggunakan data kuantitatif dengan populasi masyarakat Sidoarjo. Teknik analisis yang digunakan dalam penelitian ini adalah analisis regresi linier berganda dengan sampel 220 responden. Hasil penelitian menunjukkan bahwa pendapatan dan locus of control dapat mempengaruhi perilaku pengelolaan keuangan, sedangkan financial knowledge, financial attitude, financial self-efficacy, dan parental financial socialization tidak mempengaruhi perilaku pengelolaan keuangan. Pendapatan dapat mempengaruhi perilaku manajemen keuangan karena ketika seseorang memiliki sumber uang yang baik, mereka dapat membayar semua tagihan mereka, menabung dan berinvestasi.

The ratio of consumption in the Indonesian community is very high compared to the savings rate. This study aims to analyze the factors that influence the financial management behavior of the Sidoarjo community. The factors used in this study are financial knowledge, income, locus of control, financial attitude, financial self-efficacy, and parental financial socialization. This study uses quantitative data with the Sidoarjo community as a population. The analysis technique used in this study is multiple linear regression analyses with 220 samples of respondents. The result shows that income and locus of control can affect financial management behavior, and financial knowledge, financial attitude, financial self-efficacy, and parental financial socialization does not affect financial management behavior. The income can affect financial management behavior because when someone has good resources of money, they can pay all of their bills, make some savings and investment.