PENGARUH FINANCIAL LITERACY, FINANCIAL KNOWLEDGE, LOCUS OF CONTROL, DAN HEDONISM LIFESTYLE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA MAHASISWA DI SURABAYA

THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL KNOWLEDGE, LOCUS OF CONTROL, AND HEDONISM LIFESTYLE ON FINANCIAL MANAGEMENT BEHAVIOR IN STUDENTS IN SURABAYA

Penelitian ini bertujuan untuk mengetahui pengaruh financial literacy, financial knowledge, locus of control, dan hedonism lifestyle terhadap financial management behavior pada mahasiswa di Surabaya. Jenis data yang digunakan adalah data kuantitatif yang bersumber dari data primer melalui penyebaran kuesioner. Populasi dalam penelitian ini adalah mahasiswa di Surabaya yang meliputi mahasiswa di Perguruan Tinggi Negeri dan Perguruan Tinggi Swasta dari seluruh wilayah Surabaya dengan kategori jumlah mahasiswa terbanyak di setiap wilayahnya sebanyak 135.998 mahasiswa. Teknik pengambilan sampel menggunakan snowball sampling yang diambil secara merata di seluruh wilayah Surabaya, baik di Surabaya Utara, Surabaya Selatan, Surabaya Timur, Surabaya Barat, maupun Surabaya Pusat dan diperoleh 220 sebagai sampel dalam penelitian ini. Data dianalisis menggunakan regresi linear berganda dan dihitung dengan IBM SPSS 26. Hasil penelitian menunjukkan bahwa financial knowledge berpengaruh signifikan dan positif terhadap financial management behavior. Sedangkan financial literacy, locus of control, dan hedonism lifestyle tidak berpengaruh signifikan terhadap financial management behavior. Oleh karena itu, mahasiswa pada Perguruan Tinggi Negeri maupun Perguruan Tinggi Swasta di Surabaya, diharapkan dapat meningkatkan literasi keuangannya khususnya terkait investasi dan asuransi agar mampu mengelola keuangan lebih baik lagi.  

This study aims to determine the effect of financial literacy, financial knowledge, locus of control, and hedonism lifestyle on financial management behavior in students in Surabaya. The type of data used is quantitative data sourced from primary data through questionnaires. The population in this study is students in Surabaya which included students at State Universities and Private Universities from all over Surabaya with the category of the highest number of students in each region of 135,998 students. The sampling technique used snowball sampling which was taken evenly throughout the Surabaya area, both in North Surabaya, South Surabaya, East Surabaya, West Surabaya and Central Surabaya and 220 were obtained as samples in this study. Data were analyzed using multiple linear regression and calculated using IBM SPSS 26. The results showed that financial knowledge had a significant and positive effect on financial management behavior. Meanwhile, financial literacy, locus of control, and hedonism lifestyle have no significant effect on financial management behavior. Therefore, students at State Universities and Private Universities in Surabaya are expected to increase their financial literacy, especially related to investment and insurance so they are able to manage their finances even better.