PENGARUH FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, DAN FINANCIAL LITERACY TERHADAP FINANCIAL BEHAVIOR PADA MAHASISWA UNIVERSITAS BHAYANGKARA JAKARTA RAYA KAMPUS BEKASI
DOI:
https://doi.org/10.71282/jurmie.v3i8.2495Keywords:
Financial Attitude, Financial Knowledge, Financial Literacy, Financial Behavior.Abstract
This study aims to analyze the influence of Financial Attitude, Financial Knowledge, and Financial Literacy on Financial Behavior among students of the Management Study Program, Faculty of Economics and Business, Universitas Bhayangkara Jakarta Raya, Bekasi Campus. This research employed a quantitative approach with a sample of 78 respondents selected through simple random sampling. Data were collected through questionnaires and analyzed using the Partial Least Square (PLS) method with SmartPLS 3.0 software. The results indicate that Financial Attitude does not have a significant effect on Financial Behavior, while Financial Knowledge and Financial Literacy have a positive and significant effect on Financial Behavior. The R-Square value of 0.713 indicates that Financial Attitude, Financial Knowledge, and Financial Literacy explain 71.3% of the variance in Financial Behavior, while the remaining percentage is influenced by other factors outside this study. Therefore, Financial Knowledge and Financial Literacy are important factors in shaping students' financial behavior
Downloads
References
Ajzen, Icek. 1991. "The Theory of Planned Behavior." Organizational Behavior and Human Decision Processes 50 (2): 179–211.
Assanniyah, Nur, dan Rina Setyorini. 2024. "Pengaruh Financial Literacy terhadap Financial Behavior Mahasiswa." Jurnal Manajemen dan Bisnis 12 (1): 45–58.
Brilianti, T., dan Lutfi. 2020. "Pengaruh Financial Knowledge, Financial Attitude, dan Financial Behavior terhadap Pengelolaan Keuangan." Journal of Business and Banking 10 (2): 201–214.
Hair, Joseph F., G. Tomas M. Hult, Christian M. Ringle, dan Marko Sarstedt. 2022. A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). 3rd ed. Thousand Oaks, CA: Sage Publications.
Handoyo, H., dan J. Jefilyana. 2022. "Pengaruh Financial Attitude, Financial Knowledge, dan Financial Literacy terhadap Financial Behavior." Jurnal Manajemen 14 (2): 156–167.
Hutajulu, H., dan P. Padjadjaran. 2024. "Pengaruh Financial Literacy terhadap Financial Behavior pada Pengguna E-Wallet." Jurnal Ekonomi dan Bisnis 18 (1): 88–99.
Novianti, D., dan A. Salam. 2021. "Pengaruh Financial Attitude terhadap Financial Behavior." Jurnal Ilmu Manajemen 9 (2): 210–221.
Putri, A., dan M. Hamidi. 2020. "Financial Knowledge sebagai Determinan Financial Behavior." Jurnal Ekonomi Modernisasi 16 (3): 176–188.
Rahmat, R., dan A. Apriadi. 2025. "Pengaruh Financial Knowledge terhadap Financial Behavior Mahasiswa." Jurnal Manajemen dan Keuangan 14 (1): 15–27.
Sukasih, Iin. 2023. "Pengaruh Financial Literacy terhadap Financial Behavior Mahasiswa." Jurnal Ekonomi dan Bisnis 11 (2): 145–156.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Miranda Tri Setyawati, Wirawan Widjanarko, Franciscus Dwikotjo Sri Sumantyo (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
