Dila Julianti
Prodi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Islam Bandung

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Pengaruh Persepsi Financial Knowledge dan Persepsi Love of Money terhadap Financial Behavior Dila Julianti; Lasmanah Lasmanah; Nadia Meirani
Bandung Conference Series: Business and Management 811-818
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcsbm.v6i2.25275

Abstract

Abstract. This study aims to examine and analyze the extent to which perceptions of financial knowledge and love of money influence the financial behavior of students at Bandung Islamic University in the class of 2022. Sampling was conducted using non-probability sampling techniques, specifically a combination of purposive sampling and proportionate quota sampling. The population consisted of 1,586 students, and the sample comprised 94 respondents from the class of 2022 at Bandung Islamic University. This study utilized primary data obtained from questionnaires distributed to the respondents. The data analysis employed in this study consisted of descriptive and confirmatory analyses, using a multiple linear regression model. The results of this study indicate that perceptions of financial knowledge and perceptions of love of money simultaneously exert a significant influence and account for 31.3% of the variation in financial behavior. Partially, the perception of financial knowledge has a positive and significant effect on financial behavior. Meanwhile, the perception of love of money does not have a significant effect on financial behavior. Abstrak. Penelitian ini bertujuan untuk menguji dan menganalisis seberapa besar pengaruh persepsi financial knowledge dan persepsi love of money terhadap financial behavior pada mahasiswa Universitas Islam Bandung Angkatan 2022. Pengambilan sampel menggunakan teknik Non Probability Sampling dengan metode purposive sampling yang dikombinasikan dengan proportionate quota sampling dengan jumlah populasi sebanyak 1.586 mahasiswa dan sampel penelitian sebanyak 94 responden mahasiswa Universitas Islam Bandung Angkatan 2022. Penelitian ini menggunakan data primer yang didapatkan dari hasil kuesioner yang disebarkan kepada responden. Analisis data yang digunakan dalam penelitian ini yaitu analisis deskriptif dan verifikatif, dengan menggunakan model regresi linier berganda. Hasil dari penelitian ini menunjukkan bahwa persepsi financial knowledge dan persepsi love of money secara simultan berpengaruh signifikan dan memiliki kemampuan untuk menjelaskan variasi financial behavior sebesar 31,3%. Secara parsial, persepsi financial knowledge berpengaruh terhadap financial behavior secara positif dan signifikan. Sedangkan love of money tidak berpengaruh signifikan terhadap financial behavior.