ANALISIS PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE, GAYA HIDUP TERHADAP FINANCIAL MANAGEMENT BEHAVIOUR DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL MODERATING PADA PERUSAHAAN DAERAH AIR MINUM (PDAM) KOTA JAMBI
DOI:
https://doi.org/10.22437/jmk.v11i01.17293Abstract
Perilaku keuangan masyarakat yang cenderung konsumtif kemudian menimbulkan berbagai perilaku keuangan yang tidak bertanggung jawab lainnya seperti kurangnya kegiatan menabung, investasi, perencanaan dana darurat dan penganggaran dana masa depan. Penelitian ini bertujuan untuk menganalisa dan mengetahui pengaruh Financial Knowledge terhadap Financial Management Behaviour, untuk menganalisa dan mengetahui pengaruh Financial Attitude secara parsial terhadap Financial Management Behaviour, untuk menganalisa dan mengetahui pengaruh Gaya Hidup terhadap Financial Management Behaviour, untuk menganalisa dan mengetahui pengaruh Financial Knowledge terhadap Financial Management Behaviour melalui Locus Of Control sebagai Variabel Moderating. Analisis data menggunakan Analisis Regresi Berganda, dan Uji Selisih Nilai Mutlak dengan alat bantu SPSS. Berdasarkan hasil penelitian Financial Knowledge , Financial Attitude, terbukti bahwa secara parsial berpengaruh positif dan signifikan terhadap Financial Management Behaviour, Gaya Hidup berpengaruh negative dan tidak signifikan terhadap Financial Management Behaviour dan Locus Of Control memoderasi pengaruh Financial Knowledge terhadap Financial Management Behaviour.
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