Pengaruh Literasi Keuangan, Sikap Keuangan dan Self-Efficacy terhadap Pengelolaan Keuangan Ibu Rumah Tangga
Abstract
This research is aims to determinate the effect of financial literacy and financial attitudes on homemakers financial management with self-efficacy as moderating variabel. The approach method in this reseach is the quantitative approach using the WarpPLS 7.0 analysis program. Methods of data collection using a questionnaire. The sample of this research is 148 houswives in Perumahan Green Bangil. The study result shows that financial literacy, financial attitudes, and self-efficacy have a significant effect on financial management of homemakers, financial literacy and financial attitudes do not affect effect on the financial management of homemakers moderated by self-efficacy.
Keywords: Financial Literacy; Financial Attitudes; Financial Management of Homemakers; Self-Efficacy.
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References
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Buana, S., & Patrisia, D. (2021). The Influence of Financial Literacy, Financial Self Efficacy, and Social Economic Status on Financial Management Behavior on Students of the Faculty of Economics, Padang State University. Financial Management Studies, 1(2), 71–80. https://doi.org/10.24036/jkmb.xxxxxxxx
Chaer, M. T. (2016). SELF-EFFICACY DAN PENDIDIKAN. 3(1), 106–122.
Ciemleja, G., & Kozlovskis, K. (2021). Building financial literacy during the COVID-19 pandemic. Entrepreneurship and Sustainability Issues, 9(2), 289–302. https://doi.org/10.9770/jesi.2021.9.2(19)
de Almeida, F., Ferreira, M. B., Soro, J. C., & Silva, C. S. (2021). Attitudes Toward Money and Control Strategies of Financial Behavior: A Comparison Between Overindebted and Non-overindebted Consumers. Frontiers in Psychology, 12(April). https://doi.org/10.3389/fpsyg.2021.566594
Dyah, K. (2021). Analisis Faktor-Faktor yang Mempengaruhi Pengelolaan Keuangan Pribadi Mahasiswa pada Masa Pandemi Covid-19. Jab, 7(01), 18–32.
Fathul Bari, A., Yunanto, A., & Shaferi, I. (2020). The Role of Financial Self Efficacy in Moderating Relationships Financial Literacy and Financial Management Behavior. International Sustainable Competitiveness Advantage, 2018, 51–60.
Gahagho, Y. D., Rotinsulu, T. O., Mandeij, D., Literasi, P., Sikap, K., Dan, K., Pendapatan, S., Pembangunan, J., Ekonomi, F., Gahagho, Y. D., Rotinsulu, T. O., & Mandeij, D. (2021). Pengaruh Literasi Keuangan Sikap Keuangan Dan Sumber Pendapatan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Fakultas Ekonomi Dan Bisnis Unsrat Dengan Niat Sebagai Variabel Intervening. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 9(1), 543–555.
Harianto, S., & Isbanah, Y. (2021). Pengaruh Financial Knowledge, Pendapatan, Locus of Control, Financial Attitude, Financial Self-Efficacy, dan Parental Financial Socialization terhadap Financial Management Behavior Masyarakat di Kabupaten Sidoarjo. Jurnal Ilmu Manajemen, 9(1), 241. https://doi.org/10.26740/jim.v9n1.p241-252
Khodijah, I., Afriani, R. I., Yuliah, Y., & Octavitri, Y. (2021). Pengaruh Literasi Keuangan Dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Keluarga Di Masa Pandemi Covid-19 Dengan Self Efficacy Sebagai Variabel Intervening. National Conference on Applied Business, Education, & Technology (NCABET), 1(1), 630–644. https://doi.org/10.46306/ncabet.v1i1.51
Lianto, L. (2019). Self-Efficacy: A Brief Literature Review. Jurnal Manajemen Motivasi, 15(2), 55. https://doi.org/10.29406/jmm.v15i2.1409
Mindra, R., Moya, M., Zuze, L. T., & Kodongo, O. (2017). Financial self-efficacy: a determinant of financial inclusion. International Journal of Bank Marketing, 35(3), 338–353. https://doi.org/10.1108/IJBM-05-2016-0065
Muntahanah, S., Cahyo, H., Setiawan, H., & Rahmah, S. (2021). Literasi Keuangan, Pendapatan dan Gaya Hidup terhadap Pengelolaan Keuangan di Masa Pandemi. Jurnal Ilmiah Universitas Batanghari Jambi, 21(3), 1245. https://doi.org/10.33087/jiubj.v21i3.1647
Nurmala, F., Arya, M., & Putri, L. P. (2021). Analisis tingkat literasi keuangan mahasiswa di tengah pandemi (studi kasus pada mahasiswa FEB UMSU). Maneggio: Jurnal Ilmiah Magister Manajemen, 4(2), 307–314.
Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Locus of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1), 96. https://doi.org/10.24252/minds.v6i1.9274
Putra, anggara satria. (2015). Pengaruh Corporate Social Responsibility Terhadap Profitabilitas Perusahaan ( Studi Empiris pada Perusahaan Sektor Industri Barang Konsumsi yang Terdaftar di Bursa Efek Indonesia Tahun 2010-2013 ) Anggara Satria Putra Prodi Akuntansi Universitas Negeri Yo. Jurnal Nominal, IV(2), 88–110.
Putri, N. A., & Lestari, D. (2019). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Pengelolaan Keuangan Tenaga Kerja Muda di Jakarta. AKURASI: Jurnal Riset Akuntansi Dan Keuangan, 1(1), 31–42. https://doi.org/10.36407/akurasi.v1i1.61
Rochmawati, & Dewi, I. A. K. (2020). Pengaruh Money Attitude terhadap Perilaku Pengelolaan Keuangan Pribadi: Pengetahuan dan Financial Self-Efficacy sebagai Moderasi. Jurnal Pendidikan Ilmu Sosial, 30(2), 123–134.
Rustika, I. M. (2012). Efikasi Diri: Tinjauan Teori Albert Bandura. Buletin Psikologi, 20(1–2), 18–25. https://doi.org/10.22146/bpsi.11945
Ryan Elfahmi, Ikin Solikin, N. (2020). MODEL OF STUDENT INVESTMENT INTENTION WITH FINANCIAL KNOWLEDGE AS A PREDICTOR THAT MODERATED BY FINANCIAL SELFEFFICACY AND PERCEIVED RISK. 1(1), 165–175. https://doi.org/10.38035/DIJEFA
Sabri, M. F., Wijekoon, R., & Rahim, H. A. (2020). The influence of money attitude, financial practices, self-efficacy and emotion coping on employees’ financial well-being. Management Science Letters, 10(4), 889–900. https://doi.org/10.5267/j.msl.2019.10.007
Saputra, A., & Mustikarini, N. (2017). Sego Pecel Ananda. 2.
Sari, N. R., & Listiadi, A. (2021). Pengaruh Literasi Keuangan, Pendidikan Keuangan di Keluarga, Uang Saku terhadap Perilaku Pengelolaan Keuangan dengan Financial Self-Efficacy sebagai Variabel Intervening. Jurnal Pendidikan Akuntansi (JPAK), 9(1), 58–70. https://doi.org/10.26740/jpak.v9n1.p58-70
Siswanti, I. (2020). Financial Knowledge, Financial Attitude, and Financial Management Behavior: Self–Control As Mediating. The International Journal of Accounting and Business Society, 28(1), 105–132. https://doi.org/10.21776/ub.ijabs.2020.28.1.5
Sri Mulyati, & Hati, R. P. (2021). Pengaruh Literasi Keuangan dan Sikap terhadap Uang pada Pengelolaan Keuangan Keluarga The Effect of Financial Literation and Attitude to Money on Family Financial Management. 4(2), 33–48.
Sri Mulyati, & Ravika Permata Hati. (2021). PENGARUH LITERASI KEUANGAN DAN SIKAP TERHADAP UANG PADA PENGELOLAAN KEUANGAN KELUARGA. Jurnal Ilmiah Akuntansi Dan Finansial Indonesia, 4(2), 33–48. https://doi.org/10.31629/jiafi.v4i2.3251
Suharsono, Y., & Istiqomah. (2014). Validitas Dan Reliabilitas Skala Self-Efficacy. Jurnal Ilmiah Psikologi Terapan, 2(1), 144–151. http://202.52.52.22/index.php/jipt/article/download/1776/1864
Sundarasen, D. S., Rahman, M. S., & Danaraj, J. (2016). Impact of Financial Literacy, Financial Socialization Agents, and Parental Norms on Money Management. Journal of Business Studies Quarterly, 8(1), 140–156.
Tatik, T. (2021). Pengelolaan Keuangan Keluarga di Masa Pandemi Covid-19. Rahmatan Lil ’Alamin Journal of Community Services, 1(1), 48–55. https://doi.org/10.20885/rla.vol1.iss1.art7
Widi Asih, S., & Khafid, M. (2020). Financial Attitude dan Income terhadap Personal Financial Management Behavior melalui Locus Of Control sebagai Variabel Intervening How to Cite. Eeaj, 9(3), 748–767. https://doi.org/10.15294/eeaj.v9i1.42349
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. Bisnis & Birokrasi Journal, 23(3), 3–5. https://doi.org/10.20476/jbb.v23i3.9175
Yuesti, A., Rustiarini, N. W., & Suryandari, N. N. A. (2020). Financial literacy in the covid-19 pandemic: Pressure conditions in indonesia. Entrepreneurship and Sustainability Issues, 8(1), 884–898. https://doi.org/10.9770/jesi.2020.8.1(59)
Ambar, A. I., & Rama, C. (2020). Pengaruh Kualitas Pelayanan Dan Citra Perusahaan Terhadap Kepuasan Konsumen Yang Dimediasi Oleh Harga Di Cv. Rizqy Abadi .S1 Manajemen, 1–24. http://repository.stei.ac.id/id/eprint/2722%0Ahttp://repository.stei.ac.id/2722/2/2113000221_Naskah Publikasi Inggris_2020..pdf
Ameliawati, M., & Setiyani, R. (2018). The Influence of Financial Attitude, Financial Socialization, and Financial Experience to Financial Management Behavior with Financial Literacy as the Mediation Variable. KnE Social Sciences, 3(10), 811. https://doi.org/10.18502/kss.v3i10.3174
Asandimitra, N., & Kautsar, A. (2019). The influence of financial information, financial self efficacy, and emotional intelligence to financial management behavior of female lecturer. Humanities and Social Sciences Reviews, 7(6), 1112–1124. https://doi.org/10.18510/hssr.2019.76160
Buana, S., & Patrisia, D. (2021). The Influence of Financial Literacy, Financial Self Efficacy, and Social Economic Status on Financial Management Behavior on Students of the Faculty of Economics, Padang State University. Financial Management Studies, 1(2), 71–80. https://doi.org/10.24036/jkmb.xxxxxxxx
Chaer, M. T. (2016). SELF-EFFICACY DAN PENDIDIKAN. 3(1), 106–122.
Ciemleja, G., & Kozlovskis, K. (2021). Building financial literacy during the COVID-19 pandemic. Entrepreneurship and Sustainability Issues, 9(2), 289–302. https://doi.org/10.9770/jesi.2021.9.2(19)
de Almeida, F., Ferreira, M. B., Soro, J. C., & Silva, C. S. (2021). Attitudes Toward Money and Control Strategies of Financial Behavior: A Comparison Between Overindebted and Non-overindebted Consumers. Frontiers in Psychology, 12(April). https://doi.org/10.3389/fpsyg.2021.566594
Dyah, K. (2021). Analisis Faktor-Faktor yang Mempengaruhi Pengelolaan Keuangan Pribadi Mahasiswa pada Masa Pandemi Covid-19. Jab, 7(01), 18–32.
Fathul Bari, A., Yunanto, A., & Shaferi, I. (2020). The Role of Financial Self Efficacy in Moderating Relationships Financial Literacy and Financial Management Behavior. International Sustainable Competitiveness Advantage, 2018, 51–60.
Gahagho, Y. D., Rotinsulu, T. O., Mandeij, D., Literasi, P., Sikap, K., Dan, K., Pendapatan, S., Pembangunan, J., Ekonomi, F., Gahagho, Y. D., Rotinsulu, T. O., & Mandeij, D. (2021). Pengaruh Literasi Keuangan Sikap Keuangan Dan Sumber Pendapatan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Fakultas Ekonomi Dan Bisnis Unsrat Dengan Niat Sebagai Variabel Intervening. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 9(1), 543–555.
Harianto, S., & Isbanah, Y. (2021). Pengaruh Financial Knowledge, Pendapatan, Locus of Control, Financial Attitude, Financial Self-Efficacy, dan Parental Financial Socialization terhadap Financial Management Behavior Masyarakat di Kabupaten Sidoarjo. Jurnal Ilmu Manajemen, 9(1), 241. https://doi.org/10.26740/jim.v9n1.p241-252
Khodijah, I., Afriani, R. I., Yuliah, Y., & Octavitri, Y. (2021). Pengaruh Literasi Keuangan Dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Keluarga Di Masa Pandemi Covid-19 Dengan Self Efficacy Sebagai Variabel Intervening. National Conference on Applied Business, Education, & Technology (NCABET), 1(1), 630–644. https://doi.org/10.46306/ncabet.v1i1.51
Lianto, L. (2019). Self-Efficacy: A Brief Literature Review. Jurnal Manajemen Motivasi, 15(2), 55. https://doi.org/10.29406/jmm.v15i2.1409
Mindra, R., Moya, M., Zuze, L. T., & Kodongo, O. (2017). Financial self-efficacy: a determinant of financial inclusion. International Journal of Bank Marketing, 35(3), 338–353. https://doi.org/10.1108/IJBM-05-2016-0065
Muntahanah, S., Cahyo, H., Setiawan, H., & Rahmah, S. (2021). Literasi Keuangan, Pendapatan dan Gaya Hidup terhadap Pengelolaan Keuangan di Masa Pandemi. Jurnal Ilmiah Universitas Batanghari Jambi, 21(3), 1245. https://doi.org/10.33087/jiubj.v21i3.1647
Nurmala, F., Arya, M., & Putri, L. P. (2021). Analisis tingkat literasi keuangan mahasiswa di tengah pandemi (studi kasus pada mahasiswa FEB UMSU). Maneggio: Jurnal Ilmiah Magister Manajemen, 4(2), 307–314.
Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Locus of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1), 96. https://doi.org/10.24252/minds.v6i1.9274
Putra, anggara satria. (2015). Pengaruh Corporate Social Responsibility Terhadap Profitabilitas Perusahaan ( Studi Empiris pada Perusahaan Sektor Industri Barang Konsumsi yang Terdaftar di Bursa Efek Indonesia Tahun 2010-2013 ) Anggara Satria Putra Prodi Akuntansi Universitas Negeri Yo. Jurnal Nominal, IV(2), 88–110.
Putri, N. A., & Lestari, D. (2019). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Pengelolaan Keuangan Tenaga Kerja Muda di Jakarta. AKURASI: Jurnal Riset Akuntansi Dan Keuangan, 1(1), 31–42. https://doi.org/10.36407/akurasi.v1i1.61
Rochmawati, & Dewi, I. A. K. (2020). Pengaruh Money Attitude terhadap Perilaku Pengelolaan Keuangan Pribadi: Pengetahuan dan Financial Self-Efficacy sebagai Moderasi. Jurnal Pendidikan Ilmu Sosial, 30(2), 123–134.
Rustika, I. M. (2012). Efikasi Diri: Tinjauan Teori Albert Bandura. Buletin Psikologi, 20(1–2), 18–25. https://doi.org/10.22146/bpsi.11945
Ryan Elfahmi, Ikin Solikin, N. (2020). MODEL OF STUDENT INVESTMENT INTENTION WITH FINANCIAL KNOWLEDGE AS A PREDICTOR THAT MODERATED BY FINANCIAL SELFEFFICACY AND PERCEIVED RISK. 1(1), 165–175. https://doi.org/10.38035/DIJEFA
Sabri, M. F., Wijekoon, R., & Rahim, H. A. (2020). The influence of money attitude, financial practices, self-efficacy and emotion coping on employees’ financial well-being. Management Science Letters, 10(4), 889–900. https://doi.org/10.5267/j.msl.2019.10.007
Saputra, A., & Mustikarini, N. (2017). Sego Pecel Ananda. 2.
Sari, N. R., & Listiadi, A. (2021). Pengaruh Literasi Keuangan, Pendidikan Keuangan di Keluarga, Uang Saku terhadap Perilaku Pengelolaan Keuangan dengan Financial Self-Efficacy sebagai Variabel Intervening. Jurnal Pendidikan Akuntansi (JPAK), 9(1), 58–70. https://doi.org/10.26740/jpak.v9n1.p58-70
Siswanti, I. (2020). Financial Knowledge, Financial Attitude, and Financial Management Behavior: Self–Control As Mediating. The International Journal of Accounting and Business Society, 28(1), 105–132. https://doi.org/10.21776/ub.ijabs.2020.28.1.5
Sri Mulyati, & Hati, R. P. (2021). Pengaruh Literasi Keuangan dan Sikap terhadap Uang pada Pengelolaan Keuangan Keluarga The Effect of Financial Literation and Attitude to Money on Family Financial Management. 4(2), 33–48.
Sri Mulyati, & Ravika Permata Hati. (2021). PENGARUH LITERASI KEUANGAN DAN SIKAP TERHADAP UANG PADA PENGELOLAAN KEUANGAN KELUARGA. Jurnal Ilmiah Akuntansi Dan Finansial Indonesia, 4(2), 33–48. https://doi.org/10.31629/jiafi.v4i2.3251
Suharsono, Y., & Istiqomah. (2014). Validitas Dan Reliabilitas Skala Self-Efficacy. Jurnal Ilmiah Psikologi Terapan, 2(1), 144–151. http://202.52.52.22/index.php/jipt/article/download/1776/1864
Sundarasen, D. S., Rahman, M. S., & Danaraj, J. (2016). Impact of Financial Literacy, Financial Socialization Agents, and Parental Norms on Money Management. Journal of Business Studies Quarterly, 8(1), 140–156.
Tatik, T. (2021). Pengelolaan Keuangan Keluarga di Masa Pandemi Covid-19. Rahmatan Lil ’Alamin Journal of Community Services, 1(1), 48–55. https://doi.org/10.20885/rla.vol1.iss1.art7
Widi Asih, S., & Khafid, M. (2020). Financial Attitude dan Income terhadap Personal Financial Management Behavior melalui Locus Of Control sebagai Variabel Intervening How to Cite. Eeaj, 9(3), 748–767. https://doi.org/10.15294/eeaj.v9i1.42349
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. Bisnis & Birokrasi Journal, 23(3), 3–5. https://doi.org/10.20476/jbb.v23i3.9175
Yuesti, A., Rustiarini, N. W., & Suryandari, N. N. A. (2020). Financial literacy in the covid-19 pandemic: Pressure conditions in indonesia. Entrepreneurship and Sustainability Issues, 8(1), 884–898. https://doi.org/10.9770/jesi.2020.8.1(59)
Published
2022-06-26
How to Cite
PRADINANINGSIH, Novia Ayu; WAFIROH, Novi Lailiyul.
Pengaruh Literasi Keuangan, Sikap Keuangan dan Self-Efficacy terhadap Pengelolaan Keuangan Ibu Rumah Tangga.
E-Jurnal Akuntansi, [S.l.], v. 32, n. 6, p. 1518-1535, june 2022.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/85684>. Date accessed: 21 nov. 2024.
doi: https://doi.org/10.24843/EJA.2022.v32.i06.p10.
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