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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI FINANCIAL BEHAVIOR

Authors: Nur Ayuningtias Safitri; Sukirman Sukirman;

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI FINANCIAL BEHAVIOR

Abstract

Financial behavior merupakan kemampuan yang perlu dimiliki oleh mahasiswa agar terhindar dari masalah keuangan yang kompleks. Financial behavior yang diteliti dalam penelitian ini adalah perilaku konsumsi dan perilaku menabung. Tujuan penelitian ini adalah untuk mengetahui apakah financial behavior dipengaruhi oleh faktor-faktor yaitu jenis kelamin, usia, indeks prestasi kumulatif, pendapatan orang tua, dan personal financial awareness. Jenis penelitian ini adalah penelitian kuantitatif dengan populasi adalah Mahasiswa Fakultas Ekonomi Universitas Negeri Semarang Angkatan 2015. Teknik sampel menggunakan teknik proportionate cluster random sampling. Hasil penelitian menunjukkan bahwa financial behavior pada Mahasiswa Fakultas Ekonomi Universitas Negeri Semarang Angkatan 2015 tergolong baik. Berdasarkan hasil penelitian ini diketahui bahwa variabel jenis kelamin, usia, indeks prestasi kumulatif, pendapatan orang tua, dan personal financial awareness berpengaruh secara simultan terhadap financial behavior sebesar 3,9%. Selain itu, hasil penelitian juga menunjukkan bahwa terdapat perbedaan financial behavior di antara mahasiswa program studi Pendidikan Ekonomi dan mahasiswa program studi Manajemen. Saran bagi mahasiswa adalah mahasiswa fakultas ekonomi sebaiknya dapat menerapkan perilaku keuangan yang baik agar terhindar dari masalah keuangan. Financial behavior is the one of competence needed by students to avoid complexity financial problems. Financial behavior on this research are consumption behavior and saving behavior. The purpose of this research is to know that financial behavior influenced by the factors are gender, age, GPA, income of parents, and personal financial awareness. This research is a quantitative research. The population of this research was the Economic Faculty Students 2015 of Semarang State University. The sampling technique was proportionate cluster random sampling. The results of this research showed that the level of financial behavior of Unnes Economics Faculty Students in a good category. Based on the results of this research note that the variables of gender, age, GPA, income of parents, and personal financial awareness simultaneously affect the financial behavior of 3.9%. Beside that, the results of this research showed that there are differences in financial behavior among students of Economic Education and students of Management. The suggestion for students is students should apply financial behavior to avoid from financial problems.

Keywords

Fakultas Ekonomi, Economics as a science, Financial Behavior, HB71-74, Mahasiswa

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selected citations
These citations are derived from selected sources.
This is an alternative to the "Influence" indicator, which also reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Citations provided by BIP!
popularity
This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network.
BIP!Popularity provided by BIP!
influence
This indicator reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Influence provided by BIP!
impulse
This indicator reflects the initial momentum of an article directly after its publication, based on the underlying citation network.
BIP!Impulse provided by BIP!
0
Average
Average
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