Financial Attitude, Locus of Control, and Social Environment on the Financial Management Behavior of Housewives

Efni Cerya, Teni Desparatni

Abstract


This study investigates the impact of financial attitudes, locus of control, and social environment on financial management behavior among housewives in Pasaman Regency. Employing a quantitative approach with a descriptive method, the research adopts a causative design to establish causal relationships between variables. The population comprises housewives in Pasaman Regency, and the sample was selected using probability sampling with a random sampling technique. Slovin’s formula determined the sample size, yielding 100 respondents. Data collection was conducted through structured questionnaires, and the data were analyzed using multiple linear regression. The results indicate that financial attitudes have a significant influence on financial management behavior. In addition, locus of control also significantly affects financial management behavior. The next finding shows that the social environment significantly impacts financial management behavior. This study discloses that financial attitudes, locus of control, and social environment collectively have a significant and positive influence on financial management behavior. These findings provide practical insights and guidelines for improving financial management practices among housewives.

Keywords: locus of control, financial management, social environment, financial attitude

Full Text:

PDF

References


Abdurrahman, S. W., & Oktapiani, S. (2020). Pengaruh literasi keuangan dan lingkungan sosial terhadap perilaku keuangan mahasiswa Universitas Teknologi Sumbawa. Jurnal Ekonomi dan Bisnis Indonesia, 5(2), 50–55. https://doi.org/10.37673/jebi.v5i02.855

Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 2(50), 179–211. https://doi.org/10.1080/10410236.2018.1493416

Amanah, E., Iradianty, A., & Rahardian, D. (2016). The influence of financial knowledge, financial attitude and external locus of control on personal financial management behavior case study of bachelor degree student in Telkom University. E-Proceeding of Management, 3(2), 1228–1235.

Atikah, A., & Kurniawan, R. R. (2020). pengaruh literasi keuangan, locus of control, dan financial self efficacy terhadap perilaku manajemen keuangan (Studi Pada PT. Panarub Industry Tangerang). MB: Jurnal Manajemen dan Bisnis, 10(2), 284–297.

Cerya, E., & Rifdani. (2022). Bagaimana literasi keuangan mempengaruhi perilaku pengelolaan keuangan pribadi mahasiswa pendidikan ekonomi ?. Ecogen, 5(1), 102–113.

Fatika, C., & Rahmidani, R. (2022). Pengaruh locus of control dan need for achievement terhadap intensi berwirausaha pada siswa MAN 1 Kota Payakumbuh. Jurnal Salingka Nagari, 1(2), 188-197.

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), 15.

Kenale Sada, Y. M. V. (2022). Pengaruh literasi keuangan, gaya hidup dan lingkungan sosial terhadap perilaku keuangan mahasiswa. Jurnal Literasi Akuntansi, 2(2), 86–99. https://doi.org/10.55587/jla.v2i2.35

Kholilah, N., & Iramani, R. (2013). Studi financial management behavior pada masyarakat surabaya. Journal of Business & Banking, 3(1), 69-80. https://doi.org/10.14414/jbb.v3i1.255

Listiani, K. (2017). Pengaruh financial knowledge, locus of control dan financial attitude terhadap financial management behavior pada mahasiswa. Doctoral dissertation, Stie Perbanas Surabaya.

Mufidah, I. Z. Z. (2018). Pengaruh locus of control dan pengetahuan keuangan terhadap perilaku pengelolaan Keuangan mahasiswa. Doctoral dissertation, Stie Perbanas Surabaya).

Napitupulu, J. H., Ellyawati, N., & Astuti, R. F. (2021). Pengaruh literasi keuangan dan sikap keuangan terhadap perilaku pengelolaan keuangan mahasiswa Kota Samarinda. Jurnal Pendidikan Ekonomi (JUPE), 9(3), 138–144. https://doi.org/10.26740/jupe.v9n3.p138-144

Pramesthi, R. A., & Karnadi. (2022). Analisis kualitas sumber daya manusia dalam perilaku keuangan ibu rumah tangga lingkungan perumnas patrang kota jember di era digitalisasi. Jurnal Ekonomi dan Bisnis, 20(1), 183–189. https://doi.org/10.36841/growth-journal.v21i2.4020

Prasetyo, B., & Trisyanti, D. (2019). Strategi pembangunan nasional menghadapi revolusi industri 4.0. Revolusi Industri, 22–27.

Pratiwi, K. A., & Sulistyowati, A. (2022). pengaruh financial knowledge, income, dan financial attitude terhadap pengelolaan keuangan pada masa pandemi Covid-19. Jurnal Ilmiah Akuntansi dan Manajemen, 18(1), 36–48.

Prihartono, M. R. D., Asandimitra, N., & Asandimitra, N. (2018). Behaviour analysis factors influencing financial management behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8), 308–326. https://doi.org/10.6007/IJARBSS/v8-i8/4471

Rachman, R., Kamaruddin, K., & Fani, D. A. (2021). Pengaruh pengetahuan dan sikap keuangan terhadap perilaku keuangan dikalangan ibu rumah tangga (Studi di Desa Nijang Kecamatan Unter Iwes). Samalewa: Jurnal Riset & Kajian Manajemen, 1(2), 213–221. https://doi.org/10.58406/samalewa.v1i2.475

Reviandani, W. (2022). Pengaruh locus of control, financial knowledge dan parental income terhadap perilaku pengelolaan keuangan (Studi pada Mahasiswa Baru Program Studi Manajemen Tahun 2021 Universitas Muhammadiyah Gresik). JMK (Jurnal Manajemen dan Kewirausahaan), 7(2), 68–77. https://doi.org/10.32503/jmk.v7i2.2481

Sidiq, A. W., Rizkiana, C., & Fuadi, M. (2022). Pengaruh literasi keuangan dan pendapatan terhadap perilaku pengelolaan keuangan keluarga pada ibu rumah tangga yang bekerja di kelurahan Meteseh Kota Semarang. 30(11), 2607–2618. https://doi.org/10.33578/mbi.v17i3.161

Subagio. (2019). Pengaruh lingkungan sosial terhadap perilaku konsumtif mahasiswa fakultas pendidikan olahraga dan kesehatan (FPOK) Ikip Mataram. Ilmu Sosial Dan Pendidikan, 3(3), 209–222. http://dx.doi.org/10.58258/jisip.v3i3.935

Sugiyono. (2014). Statistika untuk penelitian. Alfabeta




DOI: http://dx.doi.org/10.17977/UM014v18i1p013

Refbacks

  • There are currently no refbacks.



Lisensi Creative Commons
Jurnal Penddidikan Ekonomi is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License