Mampukah Kecerdasan Spiritual Memoderasi Hubungan Faktor Demografi terhadap Manajemen Keuangan Pribadi Mahasiswa?

Nurul Humairo, Indah Yuliana

Abstract


This study examines the effect of demographic factors on personal financial management with spiritual intelligence as a moderating variable. The sampling technique is proportionate random sampling, the number of research samples 388 students of State Islamic University Maulana Malik Ibrahim Malang. The test results indicate an influence on personal financial management. The positive influence of demographic factors with age characteristics on personal financial management. As for the characteristics of the sex found no influence on personal financial management. Spiritual intelligence as a moderating variable is able to strengthen the relationship between demographic factors and personal financial management of State Islamic University Maulana Malik Ibrahim Malang students. The implications of this study can be used by education providers to ial design financeducation patterns for students.

Keywords: demographic factors, personal financial management, spiritual intelligence.


Full Text:

PDF

References


Andrew, V., & Linawati, N. (2014). Hubungan Faktor Demografi dan Pengetahuan Keuangan Dengan Perilaku Keuangan Karyawan Swasta di Surabaya. Finesta. Vol. 2(2): 35–39.

Ansong, A., & Gyensare, M. A. (2012). Determinants of University Working-Students’ Financial Literacy at the University of Cape Coast, Ghana. International Journal of Business and Management. Vol. 7(9): 126. doi: https://doi.org/10.5539/ijbm.v7n9p126.

Ayranci, E. (2011). Effect Of Top Turkish Managers’ Emotional and Spiritual Intelligences on Their Organizations’ Financial Performance. Financial Performance. Vol. 28.

Baker, H. K., Kumar, S., Goyal, N., & Gaur, V. (2019). How financial literacy and demographic variables relate to behavioral biases. Managerial Finance. Vol. 45(1): 124–146. doi: https://doi.org/10.1108/MF-01-2018-0003.

Bamforth, J., Jebarajakirthy, C., & Geursen, G. (2018). Understanding undergraduates’ money management behaviour: A study beyond financial literacy. International Journal of Bank Marketing. Vol. 36(7): 1285–1310. doi: https://doi.org/10.1108/IJBM-05-2017-0104.

Chotimah, C., & Rohayati, S. (2015). Pengaruh Pendidikan Keuangan di Keluarga, Sosial Ekonomi Orang Tua, Pengetahuan Keuangan, Kecerdasan Spiritual, dan Teman Sebaya terhadap Manajamen Keuangan Pribadi Mahasiswa S1 Pendidikan Akuntansi Fakultas Ekonomi Universitas Negeri Surabaya. Vol. 10.

Darmadi, H. (2018). Kecerdasan Spiritual. Bogor: Guepedia.

Dewi, H. P. (2015). Cerdas Mengelola Keuangan Pribadi. Yogyakarta: Stiletto Book.

Faridawati, R., & Silvy, M. (2019). Pengaruh niat berperilaku dan kecerdasan spiritual terhadap pengelolaan keuangan keluarga. Journal of Business & Banking. Vol. 7(1). doi: https://doi.org/10.14414/jbb.v7i1.1465.

Hidayat, R., & Sinaga, I. W. (2017). Pengaruh Faktor Demografi dan Kecerdasan Emosional terhadap Manajemen Keuangan Pribadi Mahasiswa Politeknik Negeri Batam. Vol. 11.

Khairani. (2019). Perbedaan Pengelolaan Keuangan Nagari berdasarkan Jenis Kelamin dan Tingkat Pendidikan di Kabupaten Tanah Datar. https://doi.org/10.31227/osf.io/py4uq.

Lai, M.-M., & Tan, W.-K. (2009). An Empirical Analysis of Personal Financial Planning in an Emerging Economy. Vol. (16): 13.

Laily, N. (2016). Pengaruh Literasi Keuangan terhadap Perilaku Mahasiswa dalam Mengelola Keuangan. Journal of Accounting and Business Education. Vol. 1(4). doi: https://doi.org/10.26675/jabe.v1i4.6042.

Mishra, K. C., & Metilda, M. J. (2015). A study on the impact of investment experience, gender, and level of education on overconfidence and self-attribution bias. IIMB Management Review. Vol. 27(4): 228–239. doi: https://doi.org/10.1016/j.iimb.2015.09.001

Purwidianti, W., & Mudjiyanti, R. (2016). Analisis Pengaruh Pengalaman Keuangan Dan Tingkat Pendapatan Terhadap Perilaku Keuangan Keluarga Di Kecamatan Purwokerto Timur. Benefit: Jurnal Manajemen Dan Bisnis. Vol. 1(2): 141-148. doi: 10.23917/benefit.v1i2.3257.

Safitri, N. A., & Sukirman. (2018). Analisis faktor-faktor yang mempengaruhi financial behavior. 14.

Sapitri, N. L. G. A., & Suprapti, N. W. S. (2014). Hubungan Variabel Demografi Dengan Perilaku Pembelian Impulsif Yang Dimoderasi Kepemilikan Kartu Kredit di Kota Denpasar. E-Jurnal Manajemen. Vol. 3(10). https://ojs.unud.ac.id/index.php/Manajemen/article/view/9439.

Serido, J., Shim, S., & Tang, C. (2013). A developmental model of financial capability: A framework for promoting a successful transition to adulthood. International Journal of Behavioral Development. Vol. 37(4): 287–297. doi: https://doi.org/10.1177/0165025413479476

Sina, P. G. (2013). Financial Efficacy dan Financial Satisfaction: Ditinjau dari Perbedaan Gender. Jurnal Manajemen. Vol. 12.

Sina, P. G., & Noya, A. (2012). Pengaruh Kecerdasan Spiritual terhadap Pengelolaan Keuangan Pribadi. Jurnal Manajemen. Vol. 18.

Stendardi, E. J., Graham, J. F., & O’Reilly, M. (2006). The impact of gender on the personal financial planning process: Should financial advisors tailor their process to the gender of the client? Humanomics. Vol. 22(4): 223–238. doi: https://doi.org/10.1108/08288660610710746.

Vhalery, R., Leksono, A. W., & Irvan, M. (2018). Pengaruh Literasi Keuangan, Usia, dan Bimbingan Orang Tua terhadap Pengelolaan Uang Saku Mahasiswa UNINDRA. Vol. 8.

Zohar, D., & Marshall, I. (2007). SQ - Kecerdasan Spiritual. Bandung: Mizan Pustaka.


Refbacks

  • There are currently no refbacks.



This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Image result for google scholar  Info Jurnal Pendidikan Ekonomi   Info Jurnal Pendidikan Ekonomi    

Flag Counter

 

View My Stats