Dari Ilmu Ke Tindakan: Literasi Keuangan, Pengetahuan, Dan Kontrol Diri Dalam Pengelolaan Finansial Mahasiswa

Robby Alexander Chandra; Ickhsanto Wahyudi

doi:10.30640/jmcbus.v3i2.4170

Authors

Robby Alexander Chandra Universitas Esa Unggul
Ickhsanto Wahyudi Universitas Esa Unggul

DOI:

https://doi.org/10.30640/jmcbus.v3i2.4170

Keywords:

financial behavior, locus of control, financial knowledge

Abstract

Intelligence in dealing with life is obtained through education, parenting, and experience. Students need to understandfinancial manajement which is influenced byfinancial literacy "FL ", financial knowledge "FK ", self-control "KD" (locus of control), and (financial behavior "FB ''). This study examines the relationship of thesefactors in student financial manajement, especially at Esa Unggul University. Further research is needed to understand their impact in order to increase financial awareness among students. This study uses a quantitative approach with the variables FL, FK, and KD as independent, and FB as dependent. Data was collected through an online questionnaire and analyzed using PLS-SEM (partial least squares structural equation modeling). Validityand reliability tests were conducted with a pre-test to ensure the research model was valid and reliable. From the total 167 respondents, 20 leaving, others 147students participating to .fill quesioer. Model evaluation shows that all constructs meet validity and reliability.KD has the greatest influence on FB with a value of 0.4 74, followed by FK with 0. 24 7, while FL is not significant with a value of 0. 056. Hypothesis testing shows that only FK and KD have a significant effect on FB, while FL does not make a significant contribution. The practical implication is that focusing on financial knowledge and self-control improves students' financial behavior. Further research needs to explorefactors and methodologies.

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

Alexander, R., & Pamungkas, A. S. (2019). Pengaruh pengetahuan keuangan, lokus pengendalian dan pendapatan terhadap perilaku keuangan. Jurnal Manajerial dan Kewirausahaan, 1(1). https://doi.org/10.24912/jmk.v1i1.2798

Alfitra, M. S., Kartikasari, A. F., & Hariri. (2023). Pengaruh literasi keuangan, sikap keuangan dan pengetahuan keuangan terhadap perilaku manajemen keuangan mahasiswa jurusan akuntansi Universitas Islam Malang angkatan tahun 2019. Jurnal Ilmiah Riset Akuntansi, 12(2), 417–427. http://jim.unisma.ac.id/index.php/jra

Amelia, D. (2020). Analisis kemampuan financial literacy pada mahasiswa di Jakarta berdasarkan program studi. Jurnal Universitas Paramadina. https://repository.paramadina.ac.id/69/1/JURNALDEFINA%20AMELIA%20-%20116108001.pdf

Baranova, A., Fridrih, M., & Sinyavskaya, E. (2023). Financial literacy. In Developing quality PSHE in secondary schools and colleges. INFRA-M Academic Publishing LLC. https://doi.org/10.12737/1865717

Becker, G. S. (1964). Human capital: A theoretical and empirical analysis, with special reference to education. Columbia University Press. https://search.library.wisc.edu/catalog/999479129602121

Bonett, D. G., & Price, R. M. (2015). Varying coefficient meta-analysis methods for odds ratios and risk ratios. Psychological Methods, 20(3), 394–406. https://doi.org/10.1037/met0000032

Chowa, G. A. N., Despard, M., & Osei-Akoto, I. (2017). Financial knowledge and attitudes of youth in Ghana (YouthSave Research Brief).

Fornell, C., & Larcker, D. F. (1981). Structural equation models with unobservable variables and measurement error: Algebra and statistics. Journal of Marketing Research, 18(3), 382–388. https://doi.org/10.2307/3150980

Gudmunson, C. G., & Danes, S. M. (2011). Family financial socialization: Theory and critical review. Journal of Family and Economic Issues, 32(4), 644–667. https://doi.org/10.1007/s10834-011-9275-y

Haberler, G., & Fisher, I. (1931). Irving Fisher’s “Theory of interest.” The Quarterly Journal of Economics, 45(3), 499. https://doi.org/10.2307/1883901

Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2014). Multivariate data analysis (7th ed.). Cengage Learning.

Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2022). A primer on partial least squares structural equation modeling (PLS-SEM) (3rd ed.). SAGE Publications.

Hair, J. F., Hult, G. T., Ringle, C., & Sarstedt, M. (2017). A primer on partial least squares structural equation modeling (PLS-SEM). Sage Publications.

Hermansyah, A. K., Wangid, M. N., Kusmaryani, R. E., Mustadi, A., & Zubaidah, E. (2024). Implementation of financial literacy in elementary school: Study in Indonesia. Kasetsart Journal of Social Sciences, 45(3). https://doi.org/10.34044/j.kjss.2024.45.3.18

Hishamudin, M. Z., Kamarudin, N. S., Abdul Hadi, N., & Ahmad, A. (2024). Intention to use digital platforms for Islamic financial education in Malaysia: Structural equation model. Journal of Advanced Research in Applied Sciences and Engineering Technology, 49(1), 298–311. https://doi.org/10.37934/araset.49.1.298311

Iriyanti, I., & Nyale, M. H. Y. (2022). Pengaruh financial distress dan reputasi auditor terhadap opini audit going concern dengan komite audit sebagai pemoderasi. Scientific Journal of Reflection: Economic, Accounting, Management and Business, 5(4), 1091–1100. https://doi.org/10.37481/sjr.v5i4.585

Kahneman, D., & Tversky, A. (1979). Prospect theory: An analysis of decision under risk. Econometrica, 47(2), 263–291. https://doi.org/10.2307/1914185

Lusardi, A., & Mitchell, O. (2023). The importance of financial literacy: Opening a new field. National Bureau of Economic Research Working Paper. https://doi.org/10.3386/w31145

Manurung, A. S., & Pappachan, P. (2025). The role of discovery learning in efforts to develop students' critical thinking abilities. Journal of Education and Learning (EduLearn), 19(1), 46–53. https://doi.org/10.11591/edulearn.v19i1.21788

Meinarti, S., Seventeen, W. L., Adiastuti, S., Hariyanto, H., & Safitri, I. (2022). Pengaruh pembelajaran akuntansi keuangan, literasi keuangan dan kontrol diri terhadap perilaku keuangan mahasiswa Fakultas Ekonomi Universitas Prof. Dr. Hazairin SH. JAZ: Jurnal Akuntansi Unihaz, 5(2), 160. https://doi.org/10.32663/jaz.v5i2.3130

Meria, L., Djunaedi, M. K. D. R. R., & Syah, T. Y. R. (2024). Membentuk generasi cerdas finansial: Pengenalan literasi keuangan di Sekolah Dasar Negeri Panongan. Jurnal Abdimas, 10, 325–330. https://doi.org/10.47007/abd.v10i05.7951

Mihalcova, B., Csikosova, A., & Antosova, M. (2014). Financial literacy – The urgent need today. Procedia - Social and Behavioral Sciences, 109, 317–321. https://doi.org/10.1016/j.sbspro.2013.12.464

Miranda, Nurjanah, A. F. F. W., & Pospos, A. F. F. W. (2024). Pengaruh literasi keuangan, locus of control dan sikap keuangan terhadap perilaku konsumtif mahasiswa. Jurnal Ilmu Investasi, 9(1). https://doi.org/10.32505/jii.v9i1.8826

Moscati, I. (2018). The expected utility theory and measurement theory of von Neumann and Morgenstern, 1944–1947. In Measuring Utility (pp. 147–162). Oxford University Press. https://doi.org/10.1093/oso/9780199372768.003.0010

Mujazi, M., Fadli, M. R., Rosyid, A., Hapudin, M. S., Rosidi, M. I., & Afwan, B. (2025). The effect of using social media and fear of missing out on emotional wellbeing in children in the digital age. Journal of Education and Learning (EduLearn), 19(2), 900–908. https://doi.org/10.11591/edulearn.v19i2.21862

Nasihah, D., & Listiadi, A. (2019). Pengaruh pembelajaran akuntansi keuangan, literasi keuangan dan kontrol diri terhadap perilaku keuangan mahasiswa Fakultas Ekonomi Universitas Negeri Surabaya. Jurnal Pendidikan Akuntansi, 7(3). https://doi.org/10.26740/jpak.v7n3

Natan, E., & Mahastanti, L. (2022). Analisis pengaruh financial literacy dan locus of control sebagai variabel moderating terhadap management behaviour. Owner: Riset dan Jurnal Manajemen, 6(3), 2354–2363. https://doi.org/10.33395/owner.v6i3.1234