Pengaruh Locus of Control, Kemampuan Akademis, Financial Atttude Terhadap Pengelolaan Keuangan Mahasiswa
Locus of Control, Academic Ability, Financial Attitude, Student's Fiinancial Management Behavior
DOI:
https://doi.org/10.32534/jpk.v12i2.7179Keywords:
Locus of Control, Academic Ability, Financial Attitude, Students' Financial Management BehaviorAbstract
Main Purpose – This study aims to examine the factors that influence students' financial management behavior. Some of the research factors included in the study are locus of control, academic ability and financial attitude.
Method – The research uses a quantitative approach and the data is processed using statistical analysis methods. The research sample amounted to 80 accounting student respondents in Semarang's A accredited private universities using purposive sampling technique.
Main Findings – The results showed that locus of control, academic ability and financial attitude have a significant effect on student financial management behavior.
Theory and Practical Implications – This study can provide in-depth knowledge in managing effective finances for accounting students who have a business. The results of the study can also be a reference for educational institutions in improving financial literacy through comprehensive educational programs.
Novelty – This research has a novelty by including the academic ability factor as one of the things analyzed in seeing how students who own businesses, especially accounting students, manage their finances.
Downloads
References
Amanah, E., Iradianty, A., & Rahardian, D. (2016). Pengaruh Financial Knowledge , Financial Attitude Dan External Locus of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom the Influence of Financial Knowledge , Financial Attitude and External Locus of Control on. E-Proceeding of Management, 3(2), 1228–1235.https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/1448
Anggraini, Puspa, S., & Cholid, I. (2022). Pengaruh Literasi Keuangan,Tingkat Pendidikan, Pendapatan, Perencanaan Keuangan Dan Gaya Hidup Terhadap Pengelolaan Keuangan Pada Pengrajin Tempe Di Kecamatan Plaju. 3(2), 178–187. https://doi.org/10.35957/prmm.v3i2.2322
Anthony, R., Ezat, W. S., Junid, S. Al, & Moshiri, H. (2011). Financial Management Attitude and Practice among the Medical Practitioners in Public and Private Medical Service in Malaysia. International Journal of Business and Management, 6(8). https://doi.org/10.5539/ijbm.v6n8p105
Aryani, D., Sujana, E., & Diatmika, I. P. G. (2023). Pengaruh Prinsip Good Corporate Governance Dalam Pengelolaan Refocusing Dana Desa Di Masa Pandemi Dengan Harmonisasi Sebagai Variabel Moderating. JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha, 14(01), 122–134. https://doi.org/10.23887/jimat.v14i01.50111
Assyfa, L. N. (2020). Pengaruh Pendapatan, Gender Dan Kemampuan Akademik Terhadap Perilaku Pengelolaan Keuangan Pribadi Mahasiswa Akuntansi Dengan Literasi Keuangan Sebagai Variabel Intervening. Platform Riset Mahasiswa Akuntansi (PRISMA), 01(01), 109–119. https://ojs.stiesa.ac.id/index.php/prisma/article/view/372
Beal, D. J., & Delpachitra, S. B. (2003). Financial Literacy Among Australian University Students. Economic Papers, 22(1), 65–78. https://doi.org/10.1111/j.1759-3441.2003.tb00337.x
Brigham, Tess. (2025). Pola Pikir Baru Tentang Uang: Generasi Z Memperlakukan Keuangan Seperti Perawatan Diri Sendiri. Www-Forbes-Com. https://www-forbes-com.translate.goog/sites/tessbrigham/2025/02/18/the-new-money-mindset-gen-z-is-treating-finances-like-self-care/?_x_tr_sl=en&_x_tr_tl=id&_x_tr_hl=id&_x_tr_pto=sge&_x_tr_hist=true
Fauzan, R., Nurhayati, & Novia, I. (2018). Pengambilan Keputusan Strategis Dalam Penentuan Harga Jual Produk Dengan Menggunakan Pendekatan Activity Based Costing. Studi Kasus UMKM Tia Konveksi. Jurnal Profita Akuntansi Dan Bisnis, 1(1), 35–46. https://doi.org/10.47896/ab.v1i1.273
Feriawati. (2021). Pengaruh Kemampuan Akademis dan Pendidikan Keuangan Keluarga Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Dengan Mediasi Literasi Keuangan. Pharmacognosy Magazine, 75(17), 399–405. http://repository.dinamika.ac.id/id/eprint/5925
Heider, F., (1958). Fritz Heider The Psychology of Interpersonal Relations 1958.pdf. 49.https://psycnet.apa.org/doi/10.1037/10628-002
Herawati, N. T., Candiasa, I. M., Yadnyana, I. K., & Suharsono, N. (2018). Factors That Influence Financial Behavior Among Accounting Students in Bali. International Journal of Business Administration, 9(3), 30. https://doi.org/10.5430/ijba.v9n3p30
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255
Kumparan.com. (2023). Gen Z dan Kewirausahaan: Membentuk Masa Depan Bisnis. Kumparan.Com. https://kumparan.com/pengetahuan-umum/gen-z-dan-kewirausahaan-membentuk-masa-depan-bisnis-20jb6SoxXdj
Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel. SSRN Electronic Journal. https://dx.doi.org/10.2139/ssrn.1095869
Marsh, B. A. (2006). Knowledge Levels of First-Year and Senior Students At Baptist. August, 31–42. https://scholarworks.bgsu.edu/he_diss/8
Mike, F., & Pandu, A. C. (2022). Pengaruh Literasi Keuangan, Kemampuan Akademis, Dan Pengalaman Bekerja Terhadap Perilaku Keuangan Mahasiswa. Jurnal Ekonomi Dan Bisnis, 9(1), 259–274. http://repository.president.ac.id/xmlui/handle/123456789/8700
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
Nisa, F. K., & Haryono, N. A. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financial Self Efficacy, Income, Locus of Control, dan Lifestyle terhadap Financial Management Behavior Generasi Z di Kota Surabaya. Jurnal Ilmu Manajemen, 10(1), 82–97. https://doi.org/10.26740/jim.v10n1.p82-97
OJK. (2022). Edukasi Keuangan. Ojk.Go.Id. https://ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/literasi-keuangan.aspx#:~:text=Literasi Keuangan memiliki tujuan,produk dan layanan jasa keuangan
Pakaya, N. L., Machmud, R., & Pakaya, S. I. (2024). Pengaruh Sikap Keuangan Dan Locus of Control Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Jurusan Manajemen Fakultas Ekonomi Universitas Negeri Gorontalo. Jurnal Ilmiah Manajemen Dan Bisnis, 6(3), 1660–1670.https://doi.org/10.37479/jimb.v6i3.23743
Purwanto, A., & Prayuda, R. Z. (2024). The Role of Brand Image, Brand Experience, Influencer Marketing and Purchase Interest on Cunsumer Purchasing Decisions of Handphone. PROFESOR: Professional Education Studies and Operations Research An International Journal, 1(1), 1–5. https://doi.org/10.7777/profesor11
Reviandani. (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). 7(2), 68–77.https://doi.org/10.32503/jmk.v7i2.2481
Rohmanto, F., & Susanti, A. (2021). PENGARUH LITERASI KEUANGAN, LIFESTYLE HEDONIS, DAN SIKAP KEUANGAN PRIBADI TERHADAP PERILAKU KEUANGAN MAHASISWA. ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN), 8(1), 40–48. https://doi.org/10.36987/ecobi.v8i1.2057
Rokhayati, I., Hasruti, Purnomo, S. D., & Alam, C. S. (2022). Analisis Faktor-Faktor Yang Memengaruhi Perilaku Pengelolaan Keuangan (Studi Kasus Pada Mahasiswa Fakultas Ekonomika Dan Bisnis Universitas Wijayakusuma Purwokerto). E-QIEN Jurnal Ekonomi Dan Bisnis, 11(3), 803–813. https://doi.org/10.34308/eqien.v11i03.1078
Said, S., & Amiruddin, A. M. A. (2017). Literasi Keuangan Syariah di Perguruan Tinggi Keagamaan Islam ( Studi Kasus UIN Alauddin Makasar ) Salmah Said dan Andi Muhammad Ali Amiruddin Universitas Islam Negeri Alauddin Makassar Keywords : Literasi , Keuangan , Islam , Perguruan Tinggi , UIN Alaud. Al-Ulum, 17(1), 44–64. https://doi.org/10.30603/au.v17i1.29
Sakitri, G. (2021). Selamat Datang Gen Z , Sang Penggerak Inovasi. Forum Manajemen Prasetiya Mulya, 35(2), 1–10. https://journal.prasetiyamulya.ac.id/journal/index.php/FM/article/view/596
Hasanah, Siti, A. N., Agustina, D., Ningsih, O., & Nopriyanti4, I. (2024). Teori Tentang Persepsi dan Teori Atribusi Kelley. CiDEA Journal, 3(1), 44–54. https://doi.org/10.56444/cideajournal.v3i1.1810
Tyler, N., Heffernan, R., & Fortune, C. A. (2020). Reorienting Locus of Control in Individuals Who Have Offended Through Strengths-Based Interventions: Personal Agency and the Good Lives Model. Frontiers in Psychology, 11(September). https://doi.org/10.3389/fpsyg.2020.553240
Wardani, L. A., & Fitrayati, D. (2022). Pengaruh literasi keuangan dan sikap keuangan terhadap perilaku pengelolaan keuangan dengan locus of control sebagai variabel intervening. Fair Value: Jurnal Ilmiah Akuntansi Dan Keuangan, 4(12), 5827–5836. https://doi.org/10.32670/FAIRVALUE.V4I12.1894
Nuraini, Y., Indriasari, I., & Meiriyanti, R. (2023). Pengaruh Gaya Hidup, Locus of Control, Dan Pendapatan Terhadap Perilaku Manajemen Keuangan Mahasiswa. MANABIS: Jurnal Manajemen Dan Bisnis, 2(4), 249–259. https://doi.org/10.54259/manabis.v2i4.2319
Yusri, A. Y. (2018). Pengaruh Model Pembelajaran Problem Based Learning Terhadap Kemampuan Pemecahan Masalah Matematika Siswa Kelas Vii Di Smp Negeri Pangkajene. Mosharafa: Jurnal Pendidikan Matematika, 7(1), 51–62. https://doi.org/10.31980/mosharafa.v7i1.474
Zulfaris, M. D., Mustafa, H., Mahussin, N., Alam, M. K., & Daud, Z. M. (2020). Students and money management behavior of a Malaysian public university. Journal of Asian Finance, Economics and Business, 7(3), 245–251. https://doi.org/10.13106/jafeb.2020.vol7.no3.245
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Sisya Citrawati, Sih Mirmaning Damar Endah
This work is licensed under a Creative Commons Attribution 4.0 International License.
