Pengaruh Financial Knowledge, Financial Attitude, dan Locus of Control terhadap Financial Management Behaviour pada mahasiswa S1 Manajemen Fakultas Ekonomika dan Bisnis UNESA

The Influence of Financial Knowledge, Financial Attitude, and Locus of Control on Financial Management Behavior among Undergraduate Students in the Management Program at the Faculty of Economics and Business, UNESA

Hasil survey nasional literasi dan inklusi keuangan Otoritas Jasa Keuangan menunjukkan bahwa terdapat 85,10% inklusi keuangan masyarakat yang menggunakan produk dan layanan keuangan. Namun hanya 49,68% masyarakat yang memiliki pengetahuan, keterampilan, kepercayaan, sikap, dan perilaku yang memadai dalam menggunakan produk layanan keuangan. Penelitian ini bertujuan untuk mengetahui Pengaruh Financial Knowledge, Financial Attitude dan Locus of Control Tergadap Financial Management Behavior Pada Mahasiswa S1 Manajemen Fakultas Ekonomika dan Bisnis Universitas Negeri Surabaya penelitian ini memilih financial knowledge, financial attitude dan locus of control sebagai variabel independen. Populasi yang digunakan adalah mahasiswa Prodi S1 Manajemen Universitas Negeri Surabaya pemakaman metode purposive sampling menghasilkan 103 sampel penelitian dengan kriteria mahasiswa semester 4 keatas dengan pertimbangan mahasiswa tersebut sudah menempuh mata kuliah manajemen keuangan analis data pengujian ini menggunakan analisis linier berganda dengan software IBM SPSS 23.

Hasil pengujian menunjukan bahwa financial knowledge (pengetahuan keuangan), financial attitude (sikap keuangan), dan locus of control (lokus kontrol) memiliki implikasi yang signifikan terhadap perilaku manajemen keuangan (financial management behavior)

The results of the national survey on financial literacy and inclusion conducted by the Financial Services Authority show that 85.10% of the population uses financial products and services. However, only 49.68% of the population has adequate knowledge, skills, confidence, attitudes, and behaviors in using financial service products. This research aims to determine the influence of Financial Knowledge, Financial Attitude, and Locus of Control on Financial Management Behavior among undergraduate Management students at the Faculty of Economics and Business, Universitas Negeri Surabaya. This research selects financial knowledge, financial attitude, and locus of control as independent variables. The population used in this study consists of undergraduate Management students at Universitas Negeri Surabaya. The purposive sampling method resulted in 103 research samples, with the criteria being students in their 4th semester or above, considering they have already taken financial management courses. Data analysis was conducted using multiple linear regression analysis with IBM SPSS 23 software. The results show that financial knowledge, financial attitude, and locus of control have a significant influence on financial management behavior