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All Journal Jurnal Ekonomi Modernisasi JURNAL KEBANGSAAN Jurnal Sosioteknologi Asia-Pacific Management and Business Application Jurnal Bisnis dan Manajemen Agregat: Jurnal Ekonomi dan Bisnis Journal of Economic, Bussines and Accounting (COSTING) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Technomedia Journal Journal of Secretary and Business Administration OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi JIKA: Jurnal Ilmu Keuangan dan Perbankan Almana : Jurnal Manajemen dan Bisnis The International Journal of Business Review (The Jobs Review) eCo-Buss Jurnal E-Bis: Ekonomi Bisnis JIIP (Jurnal Ilmiah Ilmu Pendidikan) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Jurnal Ekonomi JDEP (Jurnal Dinamika Ekonomi Pembangunan) Jurnal ADAM : Jurnal Pengabdian Masyarakat International Journal of Accounting & Finance in Asia Pasific Asian Journal of Management Analytics Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Enrichment: Journal of Multidisciplinary Research and Development Journal of Business Management and Economic Development Journal of Community Service and Society Empowerment Journal of Social Science Utilizing Technology Journal of Digital Community Services Journal of Social Science Utilizing Technology Multidisciplinary Indonesian Center Journal Jurnal Pengabdian Indonesia
Budi Rustandi Kartawinata
Universitas Telkom
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Effect of Financial Literacy, Financial Confidence, External Locus of Control, On Personal Finance Management (Object of Study on East Java Students) Wijayanti, Nur; Kartawinata, Budi Rustandi
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 4 (2022): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i4.7171

Abstract

The level of consumption in the younger generation, including students, is increasing, influenced by the existence of social media. This happens because of the lack of student knowledge of financial management properly. For this reason, students must improve financial literacy and self-confidence both from themselves and factors that cannot be controlled by themselves in personal financial management. Data from the pre-survey results show that personal financial management and financial literacy are on average good, while the external financial locus of control variable tends to be low. This study aims to determine the effect of financial literacy, financial confidence, and external locus of control on personal finance management (object of study on students in East Java). The population in this study were students who were taking higher education educators in East Java. The sample used in this research is 400 respondents from East Java students. The method in this study was a questionnaire distributed randomly in various cities or districts in East Java. From the results of the analysis using SPSS 25. Methods of data analysis using descriptive and quantitative methods with Multiple Linear Regression analysis. The t-test was used to test the hypothesis partially, while the F-test was used to test the hypothesis simultaneously. Based on the results of the study, there is a significant influence between financial literacy, financial confidence, and external locus of control on personal finance management.
Co-Authors Achmad, Fariz Aditya Wardhana Aditya Wardhana Agung Raya Agung Raya Agus Maolana Hidayat Ahmad Maulana Lotian Ahmad, Mokhtarrudin Aldi Akbar Apriano, Raditya Arif Kuswanto Avinda, Ika Nur Bagus Novrianto Candra Wijayangka Citra, Khansa Fairuz Deden Witarsyah Dyah Maharani Elfarida Waty, Virgine Untari Faqih Hamami Farida Fajar Hidayati Fauzan Aziz Fauzia Rahman Hanansa R Dabinda Hidayati, Farida Fajar Hidayati, Farida Fajar Hiendra Kurniawan Jasinda Salsabila Nugrahani Karyadi Mahendra Fakhri Mahir Pradana Mangsor, Miza Muhammad Hasan Rabbani Muhammad Ikhwan Mubaraq Mutiara, Nidia Ananda Nia Fitria Nurhalisa Nidia Ananda Mutiara Novarianty, Terisha Andra Nuslih Jamiat Pratiwi, Oktaria Nurul Radinka Dynand Mahessara Razali, Raja Razana Raja Rizki , Kurniady Safitri, Annisa Salma Aprilia Siahaan, Theresia Yolaika Sujak, Aznul Fazrin bin Abu Susanto Hendiarto Syah Putra, Syah Syahputra Syahputra Syahputra, Syahputra Syarifuddin Syarifuddin Theresia Yolaika Siahaan Treshya Setya Maharani Wijayanti, Nur Zahid, Azham