The Effect of Financial Literacy, Financial Attitudes and Income Levels on the Financial Behavior of the People in Saribaye Village, Lingsar District, West Lombok Regency
Keywords:
Financial Literacy, Financial Attitudes, Income Levels, Financial Behavior
Abstract
The purpose of this study is to empirically test the influence of financial literacy, financial attitudes and income levels on the financial behavior of the people in Saribaye Village, Lingsar District, West Lombok Regency. This research used primary data obtained through the distribution of questionnaires to respondents. The sample in this study was the people of Saribaye Village with criteria of being over 17 years old, already working and having income, so the total sample was 345 respondents. The data analysis tool used is Partial Least Square (PLS) version 3.0. The results of this research are that financial literacy and financial attitudes have a significant positive effect on the financial behavior of the people of Saribaye Village. This means that, the better the level of financial literacy and financial attitude they have, the better the financial behavior will be. However, the level of income does not affect the financial behavior of the people of Saribaye Village. This means that regardless of income level, it cannot affect behavior in carrying out financial planning, management, control, storage of financial funds and decision making.
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[36] UMK Kabupaten Lombok Barat 2022.
[37] Zahriyan, M. (2016). Pengaruh Literasi Keuangan dan Sikap Terhadap Uang pada Perilaku Pengelolaan Keuangan Keluarga.
[38] Zakiah, T. R., Lasmanah, & Sevriana, L. (2021). Pengaruh Sikap Keuangan dan Literasi Keuangan Terhadap Perilaku Keuangan pada Anggota Ghoib Community di Kabupaten Bandung Barat. Jurnal Riset Manajemen dan Bisnis, 1(1), 42–50. Https://Doi.Org/10.29313/Jrmb.V1i1.165
[2] Adiputra, I. G., & Patricia, E. (2019). The Effect of Financial Attitude, Financial Knowledge and Income on Financial Management Behavior.
[3] Al Kholilah, N., & Iramani, R. (2013). Studi Financial Management Behavior pada Masyarakat Surabaya. Journal Of Business And Banking (Vol. 3, Issue 1).
[4] Ameliawati, M., & Setiyani, R. (2018). The Influence of Financial Attitude, Financial Socialization and Financial Experience to Financial Management Behavior with Financial Literacy as the Mediation Variable. Kne Social Sciences, 3(10), 811. Https://Doi.Org/10.18502/Kss.V3i10.3174
[5] Arianti, B. F. (2018). The Influence of Financial Literacy, Financial Behavior and Income on Investment Decision. Economics and Accounting Journal (Vol. 1, Issue 1).
[6] Azizah, N. S. (2020). Pengaruh Literasi Keuangan, Gaya Hidup pada Perilaku Keuangan pada Generasi Milenial. Prisma, 01, 92–101.
[7] Budiono, E. (2020). Analisis Financial Knowledge, Financial Attitude, Income, Locus of Control, Financial Management Behavior Masyarakat Kota Kediri.Financial Management Behavior (Vol. 8).
[8] Dayanti, F. K., Susyanti, J., & S Broto, K. (2020). Pengaruh Literasi Keuangan, Pengetahuan Keuangan dan Sikap Keuangan Terhadap Perilaku Manajemen Keuangan pada Pelaku Usaha UMKM Fashion di Kabupaten Malang. Www.Fe.Unisma.Ac.Id
[9] Devi, L. (2020). Pengaruh Pengetahuan Keuangan, Pengalaman Keuangan, dan Tingkat Pendapatan Terhadap Perilaku Keuangan.
[10] Dwiastanti, A. (2015). Financial Literacy as the Foundation for Individual Financial Behavior (Vol. 6, Issue 33). Online. Www.Iiste.Org
[11] Dwiastanti, A. (2017). Analysis of Financial Knowledge and Financial Attitude on Locus of Control and Financial Management Behavior. Marketing Science, 36(5), 780–791. Https://Doi.Org/10.1287/Mksc.2017.1032
[12] Gunawan, A., & Chairani, C. (2019). Effect of Financial Literacy and Lifestyle of Finance Student Behavior. International Journal of Business Economics (IJBE), 1(1), 76–86. Https://Doi.Org/10.30596/Ijbe.V1i1.3885
[13] Herawati, N. T. (2015). Kontribusi Pembelajaran di Perguruan Tinggi dan Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa. Jurnal Pendikan dan Pengajaran, 48, 60–70.
[14] Herdjiono, I., & Damanik, A. (2016). Pengaruh Financial Attitude, Financial Knowledge , Parental Income Terhadap Financial Management Behavior.
[15] Iskandar. (2017). Pengaruh Pendapatan Terhadap Pengeluaran Rumah Tangga Miskin di Kota Langsa (Vol. 1, Issue 2).
[16] Isroqya, L. (2021). Pengaruh Locus of Control, Gender dan Kemampuan Akademik Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Akuntansi FEB Universitas Mataram.Mataram
[17] Khairani, F., & Alfarisi, M. F. (2019). Analisis Pengaruh Financial Attitude, Financial Knowledge, Pendidikan Orang Tua dan Parental Income Terhadap Financial Management Behavior pada Mahasiswa S1 Universitas Andalas Padang. Jurnal Ilmiah Mahasiswa Ekonomi Manajemen (Vol. 4, Issue 1).
[18] Kusnandar, D. L., & Kurniawan, D. (2018). Literasi Keuangan dan Gaya Hidup Ibu Rumah Tangga dalam Membentuk Perilaku Keuangan Keluarga di Kota Tasikmalaya.
[19] Lianto, R., & Elizabeth, S. M. (2017). Analisis Pengaruh Financial Attitude, Financial Knowledge, Income Terhadap Financial Behavior di Kalangan Ibu Rumah Tangga Palembang (Studi Kasus Kecamatan Ilir Timur I). 1–12.
[20] Mien, N. T. N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam.
[21] Novianti, S. (2019). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Akuntansi Kompetitif, 2(1), 1–10.
[22] Perry, P. G., & Morris, M. D. (2005). Who Is In Control? The Role of Self-Perception, Knowledge, and Income in Explaining Consumer Financial Behavior. The Journal Of Consumer Affairs, 39, 299–313.
[23] Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis Factors Influencing Financial Management Behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8). Https://Doi.Org/10.6007/Ijarbss/V8-I8/4471
[24] Prihastuty, D. R., & Rahayuningsih, S. (2018). Pengaruh Financial Literacy, Financial Behavior, Financial Attitude dan Demografi Terhadap Perilaku Konsumtif ( Studi pada Mahasiswa Strata I Fakultas Ekonomiuniversitas 17 Agustus 1945 Surabaya ). 03, 121–134.
[25] Pulungan, D. R. (2017). Literasi Keuangan dan Dampaknya Terhadap Perilaku Keuangan Masyarakat Kota Medan.
[26] Purwidianti, W., & Mudjiyanti, R. (2016). Analisis Pengaruh Pengalaman Keuangan dan Tingkat Pendapatan Terhadap Perilaku Keuangan Keluarga d i Kecamatan Purwokerto Timur.
[27] Putri, I. R., & Tasman, A. (2019). Pengaruh Financial Literacy Dan Income Terhadap Personal Financial Management Behavior Pada Generasi Millennial Kota Padang. Kajian Manajemen Dan Wirausaha, 01, 151–160.
[28] Remund, D. L. (2010). Financial Literacy Explicated: The Case For a Clearer Definition in an Increasingly Complex Economy.
[29] Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Ilmu Manajemen, 6, 93–107.
[30] Setyawan, W., & Wulandari, S. (2020). Peran Sikap Keuangan dalam Mengintervensi Pengaruh Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Pekerja di Cikarang. 4(1), 15.
[31] Shohib, M. (2015). Sikap Terhadap Uang dan Perilaku Berhutang (Vol. 03, Issue 01).
[32] Sholeh Badrus. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa Program Studi Pendidikan Ekonomi Universitas Pamulang. Pendidkan, Ekonomi Dan Bisnis, 4, 5767.
[34] Susanti, A., Ismunawan, Pardi, & Ardyan, E. (2017). Tingkat Pendidikan, Literasi Keuangan, dan Perencanaan Keuangan Terhadap Perilaku Keuangan UMKM di Surakarta. Telaah Bisnis, 18, 45–56.
[34] Swastawan, D. K., & Dewi, Y. N. W. (2020). Pengaruh Tingkat Pendapatan, Suku Bunga, Religiusitas dan Financial Attitude Terhadap Minat Menabung untuk Beryadnya pada Masyarakat Desa Tajun. Ilmiah Akuntansi Dan Humanika, 11, 206–215.
[36] UMK Kabupaten Lombok Barat 2022.
[37] Zahriyan, M. (2016). Pengaruh Literasi Keuangan dan Sikap Terhadap Uang pada Perilaku Pengelolaan Keuangan Keluarga.
[38] Zakiah, T. R., Lasmanah, & Sevriana, L. (2021). Pengaruh Sikap Keuangan dan Literasi Keuangan Terhadap Perilaku Keuangan pada Anggota Ghoib Community di Kabupaten Bandung Barat. Jurnal Riset Manajemen dan Bisnis, 1(1), 42–50. Https://Doi.Org/10.29313/Jrmb.V1i1.165
Published
2023-08-02
How to Cite
Aprilian, I., Lestari, B., & Nurabiah, N. (2023). The Effect of Financial Literacy, Financial Attitudes and Income Levels on the Financial Behavior of the People in Saribaye Village, Lingsar District, West Lombok Regency. Proceeding of International E-Conference On Management & Small Medium Enterprise, 1(1), 286-303. Retrieved from http://prosiding.uika-bogor.ac.id/index.php/ICMSME/article/view/442
