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All Journal International Journal of Artificial Intelligence Research J-MAS (Jurnal Manajemen dan Sains)
Putri, Reisa Dyasvaro Zulanda
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Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Social Sciences

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Locus of Control dalam Memediasi Pengaruh Financial Knowledge dan Gaya Hidup terhadap Financial Behavior Management Mahasiswa Penerima Beasiswa Iib Darmajaya Putri, Reisa Dyasvaro Zulanda; Badri, Rico Elhandro; Asnusa, Soraya
J-MAS (Jurnal Manajemen dan Sains) Vol 9, No 2 (2024): Oktober
Publisher : Universitas Batanghari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jmas.v9i2.1956

Abstract

The government has allocated the Program Indonesia Pintar (PIP) scholarships to various universities, both public and private, across Indonesia. Each university has a different scholarship quota. In 2022, IIB Darmajaya received a PIP quota of 52. The ease of obtaining desired goods and services to provide momentary satisfaction leads individuals to behave consumptively and irrationally in spending their money on items that do not have beneficial value. Financial literacy and financial inclusion are factors that can influence a person's wise behavior in managing their finances. The aim of this study is to examine the factors of financial knowledge, lifestyle, and locus of control on the financial management behavior of scholarship recipients at IIB Darmajaya. Based on the results of the study, it was concluded that financial knowledge does not affect financial management behavior, locus of control mediates the effect of financial knowledge on financial management behavior, lifestyle affects financial management behavior, and locus of control mediates the effect of lifestyle on financial management behavior among the scholarship recipients at IIB Darmajaya.
Personality Traits, Emotional Intelligence, Love Of Money, Financial Self-Efficacy, And Lifestyle On Financial Behavior Lestari, Winda Rika; Triandini, Khofifah; Saputra, Richard; Putri, Reisa Dyasvaro Zulanda
International Journal of Artificial Intelligence Research Vol 7, No 1.1 (2023)
Publisher : Universitas Dharma Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29099/ijair.v7i1.1.1111

Abstract

This research aims to determine the influence of personality traits, emotional intelligence, love of money, financial self-efficacy, and lifestyle on financial behavior. The type of research used is associative with a quantitative approach. The population in this study were students. The type of sampling used in this research is a nonprobability sampling method using snowball sampling and purposive sampling techniques. The data analysis method used is multiple linear regression analysis. The research results show that personality traits, emotional intelligence, love of money, financial self-efficacy and lifestyle have a significant positive effect on financial behavior. These results indicate that students who have good personality traits, good emotional intelligence, a high level of love of money, a good life style will have good financial behavior too. Furthermore, the higher a person's self-efficacy, the more responsible that person will be for their financial behavior.
Co-Authors Asnusa, Soraya Badri, Rico Elhandro Saputra, Richard Triandini, Khofifah Winda Rika Lestari