Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater

The Effect of Financial Socialization, Financial Knowledge, Financial Experience on Financial Management Behavior with Locus of Control as A Mediating Variable on Paylater Users

Penelitian ini meneliti financial management behavior di kalangan pengguna paylater di Surabaya, serta menganalisis hubungan dengan financial socialization, financial knowledge, financial experience, dan locus of control sebagai variabel mediasi. Objek penelitian ini adalah pengguna paylater di Surabaya serta menggunakan teknik purposive sampling dan snowball sampling. Total responden yang diperoleh adalah 234 responden dengan cara menyebarkan kuesioner secara online. Penelitian ini bersifat konklusif kausalitas dan menggunakan teknik analisis Structural Equation Modeling (SEM) pada software AMOS. Hasil penelitian menunjukkan bahwa financial knowledge berpengaruh positif signifikan terhadap financial management behavior, sedangkan financial socialization, financial experience, dan locus of control tidak berpengaruh terhadap financial management behavior. Hasil pengujian mediasi menunjukkan bahwa locus of control tidak dapat memediasi hubungan antara financial knowledge dengan financial management behavior. Hal ini karena sampel penelitian didominasi oleh pelajar dengan usia antara 15 hingga 24 tahun, hampir sebagian besar dari mereka mendapatkan penghasilan dari orang tua sehingga mereka tidak dapat mengelola keuangan secara maksimal dan belum memiliki banyak pengalaman terkait keuangan. Hal ini juga disebabkan responden wanita sering melakukan pembelian impulsif. Penelitian ini dapat menjadi referensi yang bermanfaat bagi berbagai pihak, khususnya pengguna paylater, untuk bertanggung jawab dalam mengambil keputusan keuangan serta bijak dalam mengelola keuangannya.

The research of this study investigates financial management behavior among the user of the paylater in Surabaya, it also analyzes the relationship between financial socialization, financial knowledge, financial experience, and locus of control as a mediating variable. The object of this research is a paylater user-base in Surabaya and used purposive sampling and snowball sampling techniques. The total respondents obtained was 234 respondents by distributing questionnaires online. This research is conclusive causality and using the Structural Equation Modeling (SEM) analysis technique in the AMOS software. The results show that financial knowledge has a significant positive impact on financial management behavior, while financial socialization, financial experience, and locus of control have no effect on financial management behavior. The mediation testing result shows that locus of control cannot play a mediate role between financial knowledge to financial management behavior. Because the sample dominant is the student and age range between 15 and 24, almost all of them still have income from their parents so they can not manage financial independence to the greatest extent and do not have much experience related to finance. It was also caused female respondents who often engage in impulsive buying. This study could be useful references for various parties, especially paylater users, to be responsible for making financial decisions and wise in managing their finances.