The effect of financial literacy, financial self-efficacy and locus of control on the financial behaviour of Bengkulu University students
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Published:
Feb 28, 2024
Keywords:
Financial behavior, Financial literacy, Financial self-efficacy, Locus of control
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Economy
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Abstract
The ability to manage finances and decide on business strategies needs to be supported by a locus of control, mastery of adequate financial literacy skills, and confidence in one's ability to produce good finances (financial self-efficacy) in managing finances. This is a quantitative study aimed at determining the effect of independent variables (financial literacy, financial self-efficacy, and locus of control) on the dependent variable (financial behaviour) in Bengkulu University students. The implementation of this research uses a questionnaire method with the data analysed referring to the Likert scale. Active students of Bengkulu University class of 2020 were used as the population of this study and utilised purposive sampling method as the sampling technique. The sample used was 150 Bengkulu University students. The results of this study are that there is a positive and significant influence between financial literacy on the financial behavior of Bengkulu university students, there is a significant and positive influence between financial self-efficacy on the financial behavior of Bengkulu University students, and there is a significant and positive influence between locus of control on the financial behavior of Bengkulu University students.
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How to Cite
Boangmanalu, M. L. and Prabawa, S. A. . (2024) “The effect of financial literacy, financial self-efficacy and locus of control on the financial behaviour of Bengkulu University students”, Jurnal Mantik, 7(4), pp. 3012-3020. doi: 10.35335/mantik.v7i4.4498.
References
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Cahyono, H. (2019). Agen. De Banten-Bode: Jurnal Pengabdian Masyarakat Setiabudhi, 1(1), 32–43. https://doi.org/10.4000/adlfi.2398
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Zhongguo Jiguang/Chinese Journal of Lasers, 7(2), 107–128. https://doi.org/10.3788/CJL201643.0811001
Danes, S. M., & Haberman, H. R. (2007). Jamestown 7-24-09 Parking Lot View. Journal of Financial Counseling and Planning, 18(2), 48–60.
De Beckker, K., De Witte, K., & Van Campenhout, G. (2021). The effect of financial education on students’ consumer choices: Evidence from a randomized experiment. Journal of Economic Behavior and Organization, 188, 962–976. https://doi.org/10.1016/j.jebo.2021.06.022
Djollong, A. F. (2014). TEHNIK PELAKSANAAN PENELITIAN KUANTITATIF(Technique Of Quantitative Research). Istiqra’, 2(1), 86–100.
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Laily, N. (2016). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. Jurnal Pendidikan Akuntansi, 1(4).
Mandell, L. (2008). The Financial literacy of Young American Adults. National Jumpstart Coalition Survey of High School Senior and College Student, 19, 64–71.
Masruroh, D., & Perwita Sari, R. (2021). Pengaruh Risk Tolerance Terhadap Keputusan Mahasiswa Surabaya Berinvestasi Dengan Financial Literacy Sebagai Variabel Moderasi. Jae (Jurnal Akuntansi Dan Ekonomi), 6(3), 32–39. https://doi.org/10.29407/jae.v6i3.16155
Nisa, F. K., & Haryono, N. A. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financial Self Efficacy, Income, Locus of Control, dan Lifestyle terhadap Financial Management Behavior Generasi Z di Kota Surabaya. Jurnal Ilmu Manajemen, 10(1), 82–97. https://doi.org/10.26740/jim.v10n1.p82-97
Nuraeni, R., & Ari, S. (2021). Literasi Keuangan, Gaya Hidup, Locus of Control, Dan Parental Income Terhadap Perilaku Keuangan Mahasiswa. Jurnal Ilmu Manajemen, 9(4), 1440–1450.
O’Connor, G. E., & Kabadayi, S. (2020). Examining Antecedents of Health Insurance Literacy: The Role of Locus of Control, Cognitive Style, and Financial Knowledge. Journal of Consumer Affairs, 54(1), 227–260. https://doi.org/10.1111/joca.12266
Pohan, M., Gunawan, A., Arif, M., & Jufrizen, J. (2021). Pengujian Konstruk Literasi Keuangan Mahasiswa. Jurnal Ilmiah Manajemen Dan Bisnis, 22(2), 291–303. https://doi.org/10.30596/jimb.v22i2.7080
Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Locus of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1), 96. https://doi.org/10.24252/minds.v6i1.9274
Pusparani, A., & Krisnawati, A. (2019). Analisis Pengaruh Financial Literacy Dan Financial Attitude Terhadap Financial Behavior Pada Siswa Sekolah Menengah Pertama Di Kota Bandung. Jurnal Mitra Manajemen, 3(1), 72–83. https://doi.org/10.52160/ejmm.v3i1.181
Putri, M. H., & Pamungkas, A. S. (2019). Pengaruh Financial Knowledge, Locus of Control dan Financial Self Efficacy Terhadap Financial Behavior. Jurnal Manajerial Dan Kewirausahaan, 1(4), 926. https://doi.org/10.24912/jmk.v1i4.6591
Repi, T. S. R., Saerang, I. S., & Maramis, J. B. (2021). Faktor-Faktor Mempengaruhi Perilaku Pengelolaan Keuangan Pribadi Mahasiswa Aktif Manajemen S1 Feb Unsrat. Jurnal EMBA, 9(4), 252–263.
Rizkiawati Laili, & Asandimitra Nadia. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus Of Control, Dan Financialk Self Eficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen, 6(3), 93–107.
Rumana, N. A., Sitoayu, L., & Nuzrina, R. (2022). Pelatihan Peningkatan Kemampuan Analisis Statistik Kesehatan Menggunakan Aplikasi Spss Pada Mahasiswa Tingkat Akhir. Community Development Journal?: Jurnal Pengabdian Masyarakat, 3(1), 314–319. https://doi.org/10.31004/cdj.v3i1.3984
Schunk, D. H. (2012). Learning Theories: An Educational Perspectives, 6th Edition. New York:Pearson Education Inc.
Stewart, E. (2021). Detecting Fake News: Two Problems for Content Moderation. Philosophy & Technology, 1–18.
Sugiyono. (2012). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Wardana, L. W., Narmaditya, B. S., Wibowo, A., Mahendra, A. M., Wibowo, N. A., Harwida, G., & Rohman, A. N. (2020). The impact of entrepreneurship education and students’ entrepreneurial mindset: the mediating role of attitude and self-efficacy. Heliyon, 6(9), e04922. https://doi.org/10.1016/j.heliyon.2020.e04922
Widiawati, W., & Wahab, A. Y. L. (2022). Peningkatan Literasi Keuangan Melalui Efikasi Diri dan Sosial Ekonomi Orang Tua. Ekuitas: Jurnal Pendidikan …, 10(2), 319–330. https://ejournal.undiksha.ac.id/index.php/EKU/article/view/52772
Yohana, C. (2010). Pengaruh Locus Of Control , Financial Knowledge , Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Amir, M. F. (2021). Islamic Financial Literacy Dan Islamic Financial Behaviour Mahasiswa. Iqtishaduna, 12(2), 235–249. https://e-ilami.unissa.edu.bn:8443/jspui/bitstream/123456789/1126/1/ISLAMIC FINANCIAL LITERACY.pdf
Arofah, A. A., & Kurniawati, R. (2021). PENGARUH LITERASI KEUANGAN DAN SELF-EFFICACY TERHADAP PERILAKU KEUANGAN. Perwira Journal of Economics and Business (PJEB), 1(1).
Ary, I. R., & Sriathi, A. A. A. (2019). PENGARUH SELF EFFICACY DAN LOCUS OF CONTROL TERHADAP KINERJA KARYAWAN (Studi Pada Ramayana Mal Bali). E-Jurnal Manajemen Universitas Udayana, 8(1), 30. https://doi.org/10.24843/ejmunud.2019.v08.i01.p02
Assyfa, L. N. (2020). Pengaruh Uang Saku, Gender Dan Kemampuan Akademik Terhadap Perilaku Pengelolaan Keuangan Pribadi Mahasiswa Akuntansi Dengan Literasi Keuangan Sebagai Variabel Intervening. Platform Riset Mahasiswa Akuntansi (PRISMA), 01(01), 109–119. https://ojs.stiesa.ac.id/index.php/prisma
Bhakti, I. G. K. K. W., Gunadi, I. G. N. B., & Suarjana, I. W. (2023). Financial literacy, financial self efficacy. VALUES, 4(1), 131–138.
Cahyono, H. (2019). Agen. De Banten-Bode: Jurnal Pengabdian Masyarakat Setiabudhi, 1(1), 32–43. https://doi.org/10.4000/adlfi.2398
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Zhongguo Jiguang/Chinese Journal of Lasers, 7(2), 107–128. https://doi.org/10.3788/CJL201643.0811001
Danes, S. M., & Haberman, H. R. (2007). Jamestown 7-24-09 Parking Lot View. Journal of Financial Counseling and Planning, 18(2), 48–60.
De Beckker, K., De Witte, K., & Van Campenhout, G. (2021). The effect of financial education on students’ consumer choices: Evidence from a randomized experiment. Journal of Economic Behavior and Organization, 188, 962–976. https://doi.org/10.1016/j.jebo.2021.06.022
Djollong, A. F. (2014). TEHNIK PELAKSANAAN PENELITIAN KUANTITATIF(Technique Of Quantitative Research). Istiqra’, 2(1), 86–100.
Fatimah, R. D., Wahyuni, I., & Pramitasari, T. D. (2022). Pengaruh Efikasi Keuangan Terhadap Keputusan Investasi Dengan Minat Investasi Sebagai Variabel Intervening (Studi Kasus Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Abdurachman Saleh Situbondo Angkatan 2018). Jurnal Mahasiswa Entrepreneur (JME), 1(8), 1737–1752.
Fatimah, S. (2019). Pengaruh Financial Literacy, Financial Self Efficacy, Social Economic Status Dan Locus Of Control Terhadap Perilaku Manajemen Keuangan Mahasiswa S-1 Fakultas Ekonomi Dan Ilmu Sosial Universitas Islam Negeri Sultan Syarif Kasim Riau. Jurusan Teknik Kimia USU, 18–23.
Fatmawati, I., & Lutfi. (2021). Pengaruh Lokus Pengendalian dan Pengetahuan Keuangan pada Perilaku Manajemen Keuangan Generasi Milenial dengan Moderasi Pendapatan. Jurnal Manajemen Dan Keuangan, 10(1), 58–71. https://doi.org/10.33059/jmk.v10i1.3340
Juniariani, N. M. R., & Saputra, K. A. K. (2020). Internal Locus of Control dan Efek Computer Anxiety pada Kinerja Karyawan Keuangan. Jurnal Ilmiah Akuntansi, 5(1), 45. https://doi.org/10.23887/jia.v5i1.22668
Laily, N. (2016). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. Jurnal Pendidikan Akuntansi, 1(4).
Mandell, L. (2008). The Financial literacy of Young American Adults. National Jumpstart Coalition Survey of High School Senior and College Student, 19, 64–71.
Masruroh, D., & Perwita Sari, R. (2021). Pengaruh Risk Tolerance Terhadap Keputusan Mahasiswa Surabaya Berinvestasi Dengan Financial Literacy Sebagai Variabel Moderasi. Jae (Jurnal Akuntansi Dan Ekonomi), 6(3), 32–39. https://doi.org/10.29407/jae.v6i3.16155
Nisa, F. K., & Haryono, N. A. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financial Self Efficacy, Income, Locus of Control, dan Lifestyle terhadap Financial Management Behavior Generasi Z di Kota Surabaya. Jurnal Ilmu Manajemen, 10(1), 82–97. https://doi.org/10.26740/jim.v10n1.p82-97
Nuraeni, R., & Ari, S. (2021). Literasi Keuangan, Gaya Hidup, Locus of Control, Dan Parental Income Terhadap Perilaku Keuangan Mahasiswa. Jurnal Ilmu Manajemen, 9(4), 1440–1450.
O’Connor, G. E., & Kabadayi, S. (2020). Examining Antecedents of Health Insurance Literacy: The Role of Locus of Control, Cognitive Style, and Financial Knowledge. Journal of Consumer Affairs, 54(1), 227–260. https://doi.org/10.1111/joca.12266
Pohan, M., Gunawan, A., Arif, M., & Jufrizen, J. (2021). Pengujian Konstruk Literasi Keuangan Mahasiswa. Jurnal Ilmiah Manajemen Dan Bisnis, 22(2), 291–303. https://doi.org/10.30596/jimb.v22i2.7080
Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Locus of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1), 96. https://doi.org/10.24252/minds.v6i1.9274
Pusparani, A., & Krisnawati, A. (2019). Analisis Pengaruh Financial Literacy Dan Financial Attitude Terhadap Financial Behavior Pada Siswa Sekolah Menengah Pertama Di Kota Bandung. Jurnal Mitra Manajemen, 3(1), 72–83. https://doi.org/10.52160/ejmm.v3i1.181
Putri, M. H., & Pamungkas, A. S. (2019). Pengaruh Financial Knowledge, Locus of Control dan Financial Self Efficacy Terhadap Financial Behavior. Jurnal Manajerial Dan Kewirausahaan, 1(4), 926. https://doi.org/10.24912/jmk.v1i4.6591
Repi, T. S. R., Saerang, I. S., & Maramis, J. B. (2021). Faktor-Faktor Mempengaruhi Perilaku Pengelolaan Keuangan Pribadi Mahasiswa Aktif Manajemen S1 Feb Unsrat. Jurnal EMBA, 9(4), 252–263.
Rizkiawati Laili, & Asandimitra Nadia. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus Of Control, Dan Financialk Self Eficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen, 6(3), 93–107.
Rumana, N. A., Sitoayu, L., & Nuzrina, R. (2022). Pelatihan Peningkatan Kemampuan Analisis Statistik Kesehatan Menggunakan Aplikasi Spss Pada Mahasiswa Tingkat Akhir. Community Development Journal?: Jurnal Pengabdian Masyarakat, 3(1), 314–319. https://doi.org/10.31004/cdj.v3i1.3984
Schunk, D. H. (2012). Learning Theories: An Educational Perspectives, 6th Edition. New York:Pearson Education Inc.
Stewart, E. (2021). Detecting Fake News: Two Problems for Content Moderation. Philosophy & Technology, 1–18.
Sugiyono. (2012). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Wardana, L. W., Narmaditya, B. S., Wibowo, A., Mahendra, A. M., Wibowo, N. A., Harwida, G., & Rohman, A. N. (2020). The impact of entrepreneurship education and students’ entrepreneurial mindset: the mediating role of attitude and self-efficacy. Heliyon, 6(9), e04922. https://doi.org/10.1016/j.heliyon.2020.e04922
Widiawati, W., & Wahab, A. Y. L. (2022). Peningkatan Literasi Keuangan Melalui Efikasi Diri dan Sosial Ekonomi Orang Tua. Ekuitas: Jurnal Pendidikan …, 10(2), 319–330. https://ejournal.undiksha.ac.id/index.php/EKU/article/view/52772
Yohana, C. (2010). Pengaruh Locus Of Control , Financial Knowledge , Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
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