FAKTOR-FAKTOR YANG MEMENGARUHI FINANCIAL MANAGEMENT BEHAVIOR DENGAN FINANCIAL LITERACY SEBAGAI VARIABEL PEMEDIASI PADA IBU RUMAH TANGGA YANG MEMILIKI BISNIS DI KABUPATEN PACITAN

Langsih Dwi Nanda Herliana, NIM.: 17108030065 (2021) FAKTOR-FAKTOR YANG MEMENGARUHI FINANCIAL MANAGEMENT BEHAVIOR DENGAN FINANCIAL LITERACY SEBAGAI VARIABEL PEMEDIASI PADA IBU RUMAH TANGGA YANG MEMILIKI BISNIS DI KABUPATEN PACITAN. Skripsi thesis, SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The purpose of this research is to examine the effect of financial attitude, locus of control, income and education on financial management behavior through financial literacy as a mediation variable. This research is quantitative research. The population of this research is housewives in Pacitan, while using housewives who own business as the sample. This research uses the non-probability sampling technique and using purposive sampling method with some criteria and the criteria are a housewife owns business and has been operating more than one year and has an income of more than IDR 1,000,000 per month. This research uses primary data with using direct questionnaires that distributed offline and online. This research using SEM with PLS method as data analysis. Furthermore, this study also tested the relationship of independent variables (financial attitude, internal locus of control, income, education) and the dependent variable (financial management behavior) through intervening variables. The results of this research indicate that financial attitudes, internal locus of control, income and education have a significant and positive effect on financial management behavior. Financial literacy is able to mediate the relationship between financial attitudes and financial management behavior. income and financial management behavior, education and financial management behavior partially, while financial literacy is not able to mediate the relationship between internal locus of control and financial management behavior.The purpose of this research is to examine the effect of financial attitude, locus of control, income and education on financial management behavior through financial literacy as a mediation variable. This research is quantitative research. The population of this research is housewives in Pacitan, while using housewives who own business as the sample. This research uses the non-probability sampling technique and using purposive sampling method with some criteria and the criteria are a housewife owns business and has been operating more than one year and has an income of more than IDR 1,000,000 per month. This research uses primary data with using direct questionnaires that distributed offline and online. This research using SEM with PLS method as data analysis. Furthermore, this study also tested the relationship of independent variables (financial attitude, internal locus of control, income, education) and the dependent variable (financial management behavior) through intervening variables. The results of this research indicate that financial attitudes, internal locus of control, income and education have a significant and positive effect on financial management behavior. Financial literacy is able to mediate the relationship between financial attitudes and financial management behavior. income and financial management behavior, education and financial management behavior partially, while financial literacy is not able to mediate the relationship between internal locus of control and financial management behavior.

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