Financial Literacy and Demographics on Financial Behavior of Malang State Polytechnic Students
DOI:
https://doi.org/10.55227/ijhess.v2i3.306Keywords:
Financial Literacy, Demographics, Financial BehaviorAbstract
The purpose of this research is to analyze (1) the influence of financial literacy on financial behavior (2) the effect of gender on financial behavior (3) the effect of age on financial behavior (4) the effect of academic ability on financial behavior (5) the effect of residence on financial behavior . The population in this study were all active D3 students in the Business Administration Study Program, State Polytechnic of Malang, consisting of 547 people. The sample was selected using clustered proportional sampling to obtain a total sample of 116 students. The data of this research are primary data and secondary data. Data were analyzed by multiple regression analysis using SPSS version 25.0. The results of this study are: (1) financial literacy has a positive and significant relationship to behavioral finance (2) gender has a positive and significant relationship to behavioral finance (3) age has a positive and significant relationship to behavioral finance (4) academic ability has a positive relationship and significant on behavioral finance (5) place of residence has a relationship on behavioral finance.
References
Ajzen, I. (2005). Attitudes, personality, behavior. McGraw-Hill Education (UK).
Ayu Krishna, dkk. (2010). Analisis tingkat literasi keuangan di kalangan mahasiswa dan faktor-faktor yang
mempengaruhinya (Survey pada Mahasiswa Universitas Pendidikan Indonesia). Proceedings of the 4th
International Conference on Teacher Education; Join Conference UPI & UPSI Bandung, Indonesia, 8-10 November 2010.
Chen, H. dan Volpe, R. (1998). An Analysis of Personal Financial Literacy Among College Students, Financial
Services Review 7 (2), 107-128.
Chinen, Kenichiro & Hideki Endo. (2012). Effect of Attitude and Bacground on Personal Finance Ability: A Student
Survey in the United State. International Journal of Management. 29(1), 33-45.
Cummins Mm, Haskel Janah H and Jenkins Susan. (2009). Financial Attitudes and Spanding Habits of University
Fresmen. Journal of Economics and Economi Education Research, 10 (1).
Danes, S.M. & Haberman, H., (2007). Teen financial knowledge, self-efficacy, and behavior: A gendered view.
Dew, J., & Xiao, J. J. (2011). The financial management behavior scale: Development and validation.
Furnham, A. (1999). The saving and spending habits of young people. Journal of Economic Psychology, 20(6), 677-697.
Keown, L. A. (2011). The financial knowledge of Canadians. Component of Statistics Canada Catalogue, 11-008-X, 30-39.
Nur, Uthfi Khumairo & Susanti. (2016). Studi Komparasi Literasi Keuangan Berdasarkan Faktor Demografi
Mahasiswa Fakultas Ekonomi Universitas Surabaya Angkatan 2013.
Nujmatul, Laily. (2013). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa dalam Mengelola Keuangan.
Jurnal Pendidikan Akuntansi ISSN 2897952.
Nyoman, T Herawati. (2015). Kontribusi Pembelajaran di Perguruan Tinggi dan Literasi Keuangan terhadap Perilaku
Keuangan Mahasiswa. Jurnal Pendidikan dan Pengajaran, 48 (1-3)
Mahdzan, N. S., & Tabiani, S. (2013). The Impact of Financial Literacy on Individual Saving: An Exploratory Study in
the Malaysian Context. Transformation in Business and Economic, 12(1), 41-55.
Mae, N. (2002). Undergraduate student and credit cards. Braintree, MA.
Mandell, L. & Klein, L.S. (2009). The impact of financial literacy education on subsequent financial behavior.
Otoritas Jasa Keuangan Republik Indonesia. (2013). Survei Nasional Literasi Indonesia.
Ricciardi V. Simon, H, K. (2000). What is Behavior in finance? Business. Education, and technology journal, fall: 1-9 72
Rasyid, Rosyeni. (2012). Analisis Tingkat Literasi Keuangan Mahasiswa Program Studi Manajemen Fakultas
Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis, 1 (02).
Sabri, M.F., Othman, M.A., Masud, J., Paim, L., MacDonald, M. & K Hira, T. (2008). Financial behavior and problems
among college students in Malaysia: Research and education implication. Consumer Interests Annual, 54, 167- 170.
Shefrin, H. & Statman, M. (2000). Behavioral portfolio theory. Journal of financial and quantitative analysis, 35(02), 127- 151. 47