Pengaruh Pengetahuan Keuangan dan Sikap Keuangan Terhadap Perilaku Manajemen Keuangan
DOI:
https://doi.org/10.55606/jumbiku.v5i3.6198Keywords:
Financial Attitudes, Financial Knowledge, Financial Management Behavior, Private Sector Employees, Purposive SamplingAbstract
The purpose of the study was to test the influence of financial knowledge and financial attitudes on financial management behavior in private employees domiciled in Unter Iwes District, Sumbawa Regency. Using quantitative methods with an associative approach. Using a purposive sampling technique with a hundred respondents. The primary data obtained through the distribution of the questionnaire were regressed through SPSS. The results of the study, showed that financial knowledge had a significant effect on financial management behavior, the tcount value of 2.242 was greater than the table of 1.984, the significant value of 0.027 was smaller than 0.05; Financial attitudes have a significant effect on financial management behavior, the tcount value of 5.692 is greater than the ttable 1.984, the significant value of 0.000 is smaller than 0.05; Financial knowledge and financial attitudes together affect financial management behavior, the value of the calculation of 33.920 is larger than the calculation value of 3.090, the significant value of 0.000 is litter than 0.05.
Downloads
References
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Amaiyah, N. I., & Ismanto, H. (2020). Literasi keuangan dan perilaku keuangan karyawan swasta di Kabupaten Jepara. Jurnal Aplikasi Manajemen dan Bisnis, 6(3), 468–477.
Ardhiyanti, A. L., Rachma, N., & Rizal, M. (2021). Pengaruh pengetahuan keuangan dan sikap keuangan terhadap perilaku manajemen keuangan pada pelaku usaha UMKM fashion di Malang pada saat Covid-19. e-Jurnal Riset Manajemen, 10(10), 81–94. https://doi.org/10.37676/ekombis.v10i2.2262
Asaff, R., Suryati, & Rahmayani, R. (2019). Pengaruh financial attitude dan financial knowledge terhadap financial management behavior. Journal of Economic Management and Accounting, 2(2), 9–22. https://doi.org/10.35914/jemma.v2i2.243
Badan Pusat Statistik Kabupaten Sumbawa. (2020). Kecamatan Unter Iwes dalam angka 2020. https://sumbawakab.bps.go.id/publication/2020/09/28/kecamatan-unter-iwes-dalam-angka-2020
Dayanti, F. K., Susyanti, J., & S., M. K. A. B. (2020). Pengaruh literasi keuangan, pengetahuan keuangan, dan sikap keuangan terhadap perilaku manajemen keuangan pada pelaku usaha UMKM fashion di Kabupaten Malang. e-Jurnal Riset Manajemen, 9(13), 160–170.
Hidayat, T., Fikri, M. A., & Kusuma, D. R. (2023). Financial knowledge and financial behavior: The role of self-efficacy and financial attitudes. International Journal of Economics, Business and Accounting Research, 7(4). https://doi.org/10.29040/ijebar.v7i4.10739
Homma, D. (2025). Beyond knowledge: The impact of financial attitude and behavior on investment decisions. Journal of Behavioral Finance, 18(3), 167–180. https://doi.org/10.1080/23322039.2025.2476090
Humaira, I., & Sagoro, E. M. (2018). Pengaruh pengetahuan keuangan, sikap keuangan, dan kepribadian terhadap perilaku manajemen keuangan pada pelaku UMKM sentra kerajinan batik Kabupaten Bantul. Jurnal Nominal, 7(1), 96–110. https://doi.org/10.21831/nominal.v7i1.19363
Joo, S. H., & Garman, E. T. (1998). The potential effects of workplace financial education: Based on the relationship between personal financial wellness and worker job productivity. Personal Finances & Worker Productivity, 2(1), 163–173.
Kominfo. (2021). Hadapi tantangan dengan literasi keuangan digital. https://www.kominfo.go.id/content/detail/32768/hadapi-tantangan-dengan-literasi-keuangan-digital/0/berita_satker
Mien, N. T. N., & Thao, T. P. (2015, July 10–12). Factors affecting personal financial management behaviors: Evidence from Vietnam. In Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference) (Paper ID: VL532, pp. 1–16). Danang, Vietnam. http://globalbizresearch.org/Vietnam_Conference/pdf/VL532.pdf
Nogueira, M. C., Silva, F. R., & Carvalho, P. L. (2025). Financial literacy, financial knowledge, and financial behavior: A comprehensive framework. Journal of Financial Education, 18(3), 167–180. https://doi.org/10.3390/jrfm18030167
Novianti, M., & Salam, A. (2021). Pengaruh pengetahuan keuangan, sikap keuangan, dan kepribadian terhadap perilaku manajemen keuangan pelaku UMKM di Moyo Hilir. Jurnal Manajemen dan Bisnis, 4(2), 18–26. https://doi.org/10.56870/ambitek.v2i1.38
Otoritas Jasa Keuangan. (2025, Mei 7). OJK dan BPS umumkan hasil Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) tahun 2025. OJK. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/OJK-dan-BPS-Umumkan-Hasil-Survei-Nasional-Literasi-Dan-Inklusi-Keuangan-SNLIK-Tahun-2025.aspx
Pusparani, A., & Krisnawati, A. (2019). Analisis pengaruh financial literacy dan financial attitude terhadap financial management behavior pada mahasiswa sekolah menengah pertama di Kota Bandung. Jurnal Mitra Manajemen, 3(1), 72–83. https://doi.org/10.52160/ejmm.v3i1.181
Rahayu, R., Utomo, S. W., & Styaningrum, F. (2019). Pengaruh financial attitude dan financial knowledge terhadap financial management behavior mahasiswa. Forum Ilmiah Pendidikan Akuntansi, 7(12), 257–266.
Ramadhan, A. A. (2020). Analisis perilaku pengelolaan keuangan personal pada pegawai swasta di Kecamatan Rungkut Kota Surabaya (Skripsi). UPN “Veteran” Jawa Timur.
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh demografi, financial knowledge, financial attitude, locus of control, dan financial self-efficacy terhadap financial management behavior masyarakat. Jurnal Ilmu Manajemen, 6(7), 93–107.
Sekaran, U., & Bougie, R. (2017). Metode penelitian untuk bisnis: Pendekatan pengembangan-keahlian (Edisi 6, Jilid 2). Salemba Empat.
Widjayanti, C. E. (2025). Financial literacy innovation is mediated by financial attitudes and lifestyle. Innovation and Entrepreneurship, 5(1), 25–40. https://doi.org/10.1186/s13731-025-00525-5
Widyaningrum, S. (2018). Pengaruh sikap keuangan, pengetahuan keuangan, dan pengalaman keuangan terhadap perilaku pengelolaan keuangan keluarga di Sidoarjo (Skripsi). Sekolah Tinggi Ilmu Ekonomi Perbanas, Surabaya.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Jurnal Manajemen, Bisnis dan Kewirausahaan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
