Analisis Financial Literation, Financial Technology, Locus of Control Terhadap Financial Behavior
Keywords:
Financial Behavior, Financial Literacy, Financial technology, Locus of controlAbstract
Various new and diverse financial products require people to understand them more deeply if they want to use them. This is necessary to avoid making bad financial decisions, or, in other words, bad financial behavior. Individual finances can be managed well if the individual's financial behavior is responsible. Financial behavior is one of the issues that is widely discussed today. This has an impact on many phenomena that arise in Indonesian society related to poor financial management. This research is a quantitative study that aims to determine the influence of financial literacy, financial technology, and locus of control on financial behavior. The population in this study were students in Batam City. The sample size was taken as 115 respondents, using non-probability sampling and purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (partial least squares) analysis method with SmartPLS 4.0 software. The results of this study show that (1) financial literacy has a significant positive influence on financial behavior. (2) Financial technology has no significant influence on financial behavior. (3) Locus of control does not influence financial behavior.
References
Adam, A. M., Frimpong, S., & Boadu, M. O. (2017). Financial literacy and financial planning: Implication for financial well-being of retirees. Business and Economic Horizons, 13(2), 224–236. https://doi.org/10.15208/BEH.2017.17
Amalini, H. F., et al. (2016). Pengaruh Lokus Kontrol terhadap Kepuasan Kerja dan Kinerja, 35 (1) 68-77
Andrew, V., & Linawati, N. (2014). Hubungan antara Faktor Demografis dan Pengetahuan Keuangan dengan Perilaku Keuangan Karyawan Swasta di Surabaya. FINESTA, 02 (02), 35-39
Anggraeni, A. A., & Tandika, D. (2019). Efek Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Manajemen Keuangan. Prosiding Manajemen, 5 (1). ISSN: 2460-6545.
Abdallah, W., Tfaily, F. and Harraf, A. (2024), "The impact of digital financial literacy on financial behavior: customers’ perspective", Competitiveness Review, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/CR-11-2023-0297
Arta, L. W. P. Y., Prapanca, D., & Sriyono, S. (2024). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Locus Of Control Dan Efikasi Diri Terhadap Prilaku Keuangan Generasi Z Di Sidoarjo. Journal of Economic, Bussines and Accounting (COSTING), 7(5), 1840-1849.
Hikmah, H., & Rustam, T. A. (2020). Pengetahuan investasi, motivasi investasi, literasi keuangan dan persepsi resiko pengaruhnya terhadap minat investasi pada pasar modal. SULTANIST: Jurnal Manajemen dan Keuangan, 8(2), 131-140.
Khofifah, A., Wahyuni, I., & Subaida, I. (2022). Pengaruh Financial Technology Terhadap Perilaku Keuangan Dengan Literasi Keuangan Sebagai Variabel Intervening Pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Abdurachman Saleh Situbondo. Jurnal Mahasiswa Entrepreneurship (JME), 1(3), 523-537.
Lone, U. M., & Bhat, S. A. (2024). Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy. Journal of Financial Services Marketing, 29(1), 122-137.
Mien, N. T., & Thao, T. P. (2020). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Proceedings of the Second Asia Pacific Conference on Global Business, Economics, Finance, and Social Sciences, ISBN: 978 1 63415 833 6.
Otoritas Jasa Keuangan. (2020). National Literacy and Financial Inclusion Survey 2016. Jakarta: Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan. (2022). Copies of Otoritas Jasa Keuangan Regulation Number 76/POJK.07/2016 concerning Improvement of Financial Literacy and Financial Inclusion in the Financial Services Sector for Consumers and/or the Community. Jakarta: Otoritas Jasa Keuangan.
Purwidianti, W., Santoso, A. P. B., Darmawan, A., Rahmawati, I. Y., & Setyani, L. (2022). The Impact Of Financial Literacy, Financial Planning, Financial Self-Efficiency, And Demographic Variables On Financial Behavior. In ICBAE 2022: Proceedings of the 3rd International Conference of Business, Accounting, and Economics, ICBAE 2022, 10-11 August 2022, Purwokerto, Central Java, Indonesia (p. 64). European Alliance for Innovation.
Tian, M., Yao, J., Xie, J., & Hu, C. (2024). Innovation performance feedback and inter-organization knowledge search in high-tech firms: The moderating role of technical knowledge complexity. Journal of Business Research, 182. https://doi.org/10.1016/j.jbusres.2024.114800
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Prosiding Seminar Nasional Ilmu Sosial dan Teknologi (SNISTEK)
This work is licensed under a Creative Commons Attribution 4.0 International License.
