Pengaruh Financial Knowladge dan Financial Attitude terhadap Financial Management Behavior pada Mahasiswa STAI Sangatta

Lilis Aliska; Imrona Hayati; Achmad Fahruddin

doi:10.61132/santri.v3i3.1548

Authors

Lilis Aliska Universitas Sekolah Tinggi Agama Islam (STAI) Sangatta
Imrona Hayati Universitas Sekolah Tinggi Agama Islam (STAI) Sangatta
Achmad Fahruddin Universitas Sekolah Tinggi Agama Islam (STAI) Sangatta

DOI:

https://doi.org/10.61132/santri.v3i3.1548

Keywords:

Financial Knowledge, Financial Attitude, Financial Management Behavior

Abstract

This study aims to examine the influence of financial knowledge and financial attitude on financial management behavior in STAI Sangatta students, East Kutai. This study is a field research with a quantitative approach. Data were collected from 50 respondents using sampling techniques, and analyzed using validity and reliability tests, multiple linear regression tests, classical assumption tests (Normality, Heteroscedasticity, Linearity, Multicollinearity, Correlation Coefficient Test, Hypothesis (F and T Tests). Data analysis was carried out using SPSS software. The results of the study showed that financial knowledge and financial attitude together had a significant effect on financial management behavior, with a determination coefficient (R²) of 0.603. The F test showed a significance value of 0.000 ≤ 0.05 and F count 35.659 ≥ F table 4.034. The t test showed that financial knowledge had a significant effect on financial management behavior (t count 5.650 ≥ t table 1.677; significance 0.000 <0.05), while financial attitude did not have a significant effect (t count 1.472 <t table 1.677; significance 0.639 > 0.05). Thus, financial knowledge has an important role in shaping students' financial management behavior.

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