The Influence of Financial Knowledge, Financial Attitude, Financial Self-Efficacy, and Parental Financial Socialization on Financial Management Behavior in State University Students in Surabaya
Abstract
Financial management behavior denotes an individual's ability to strategize, allocate, oversee, control, identify, and save resources in everyday life. This behavior is influenced by several factors, including financial literacy, financial disposition, financial self-efficacy, and parental financial socialization. This study aims to examine the factors influencing financial management behavior, specifically among foreign students as they endeavor to handle their finances independently.
The study population consists of State University students living in Surabaya City who have received financial education. This study had 120 respondents chosen via purposive sampling, with data gathered using questionnaires and processed using SmartPLS.
The results demonstrated that financial knowledge, financial attitude, and financial self-efficacy affect students' financial management behaviors; however, parental financial socialization did not consistently have a direct impact on these behaviors.
Keywords: Financial knowledge, Financial attitude, Financial self efficacy, Parental financial socialization, Financial management behavior.
References
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21. Nisa, F. K., & Haryono, N. A. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financial Self Efficacy, Income, Locus of Control, dan Lifestyle terhadap Financial Management Behavior Generasi Z di Kota Surabaya. Jurnal Ilmu Manajemen, 10(1), 82–97. https://doi.org/10.26740/jim.v10n1.p82-97
22. Nugroho Mahfud, A. F. Y. S. N. (2023). Peran Financial Literacy, Locus of Control, Dan Financial Self Efficacy Pada Financial Management Behavior. Journal Economic Insights, 2(1), 1–13. https://jei.uniss.ac.id/index.php/v1n1/article/view/59%0Ahttps://jei.uniss.ac.i d/index.php/v1n1/article/download/59/39
23. Nuryana, I., & Rahmawati, N. (2020). Perilaku pengelolaan keuangan. Jurnal Pendidikan Ekonomi, 9(1), 174. https://doi.org/10.15294/eeaj.v9i1.37246
24. Nusa, S. R. B., & Dewi, A. S. (2022). Pengaruh Financial Knowledge, Financial Attitude Dan Parental Income Terhadap Financial Management Behavior Mahasiswa Daerah Istimewa Yogyakarta. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(3), 905–914. https://doi.org/10.31955/mea.v6i3.2438
25. Pramedi, A. D., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya. Jurnal Ilmu Manajemen, 9(2), 572. https://doi.org/10.26740/jim.v9n2.p572-586
26. Safitri, A., & Kartawinata, B. R. (2020). Pengaruh Financial Socialization Dan Financial Experience Terhadap Financial Management Behavior (Studi Pada Wanita Bekerja Di Kota Bandung). Jurnal Ilmu Keuangan Dan Perbankan (JIKA), 9(2), 158–170.
27. Siswanti, I., & Halida, A. M. (2020). Self-Control As Mediating. The International Journal of Accounting and Business Society, 28(01), 105–131.
28. Utami, N. G. P., & Isbanah, Y. (2023). Pengaruh financial literacy, financial attitude, financial technology, self-control, dan hedonic lifestyle terhadap financial behavior. Jurnal Ilmu Manajemen, 11(3), 506–521. https://journal.unesa.ac.id/index.php/jim/article/view/24286/9796
29. Velya Anggraini, Fera Sriyunianti, & Armel Yentifa. (2022). Pengaruh Financial Literacy, Financial Attitude dan Locus of control terhadap Financial Management Behavior (Studi Kasus pada Mahasiswa Bidikmisi dan Non Bidikmisi Jurusan Akuntansi Politeknik Negeri Padang). Jurnal Akuntansi, Bisnis Dan Ekonomi Indonesia (JABEI), 1(1), 116–128. https://doi.org/10.30630/jabei.v1i1.21
30. Widyawati, I. (2012). Faktor-Faktor Yang Mempengaruhi Literasi Finansial Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Brawijaya. Assets: Jurnal Akuntansi Dan Pendidikan, 1(1), 89. https://doi.org/10.25273/jap.v1i1.527
31. Wijaya, C. K. (2024). Pengaruh Financial Literacy, Financial Attitude, Financial Self-Efficacy, Financial Technology, Locus Of Control, Lifestyle Terhadap Financial Management Behaviour Pada Mahasiswa Surabaya Hobby Modif Mobil. Journal Of Economics, Business, Management, Accounting and Social Sciences, 2(2), 55-64.
2. Ajzen, I. (1991). The Theory of planned behavior. Journal of Organizational Behavior and Human Decision Processes.
3. Andana, R. R., & Yuniningsih, Y. (2023). Financial Management Behavior in Using Fintech (Study on Management Students of UPN Veteran East Java). Journal of Accounting Finance and Auditing Studies (JAFAS), 67–84. https://doi.org/10.32602/jafas.2023.024
4. Atikah, A., & Kurniawan, R. R. (2021). Pengaruh Literasi Keuangan, Locus of Control, dan Financial Self Efficacy Terhadap Perilaku Manajemen Keuangan. JMB : Jurnal Manajemen Dan Bisnis, 10(2), 284–297. https://doi.org/10.31000/jmb.v10i2.5132
5. Brahmastra, I. B. R., & Wikartika, I. (2023). The Effect of Financial Knowledge, Financial Experience, and Locus of Control on Financial Management Behavior at Batik Msmes in Tuban. Journal of Social Research, 2(7), 2393–2415. https://doi.org/10.55324/josr.v2i7.1171
6. Cahyaningrum, B., & Fikri, M. A. (2021). Peran Pemediasi Locus of Control Pada Pengaruh Financial Knowledge Dan Financial Attitude Terhadap Financial Management Behavior. Jurnal Ilmu Manajemen, 9(4), 1500–1515. https://doi.org/10.26740/jim.v9n4.p1500-1515
7. Chandrawati, K., Anwar, M., & Wikartika, I. (2023). The Role of Lifestyle as a Mediator of The Influence of Financial Knowledge on Career Women’s Financial Behavior. JEM17: Jurnal Ekonomi Manajemen, 8(1), 001–024. https://doi.org/10.30996/jem17.v8i1.7424
8. Choiriyah, N., & Purwanto, E. (2022). Analisis Financial Knowledge dan Minat Transaksi terhadap Penggunaan Fintech Peer-To-Peer Lending di Kota Surabaya. Ekonomis: Journal of Economics and Business, 6(2), 511. https://doi.org/10.33087/ekonomis.v6i2.598
9. Dinda Farahdilla, A. S. D. (2022). Pengaruh Financial Literacy , Financial Attitude Dan Demografi Pada Financial Management Behavior Jimea | Jurnal Ilmiah MEA ( Manajemen , Ekonomi , dan Akuntansi ). 6(3), 973– 982.
10. Haqiqi, A. F. Z., & Pertiwi, T. K. (2022). Pengaruh Financial Technology, Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan Generasi Z di Era Pandemi Covid-19 pada Mahasiswa UPN “Veteran” Jawa Timur. SEIKO : Journal of Management & Business, 5(2), 355–367. https://www.journal.stieamkop.ac.id/index.php/seiko/article/view/2301
11. 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
12. Haryana, R. D. T. (2020). Pengaruh Life Style, Self Control Dan Financial Literacy Terhadap Perilaku Konsumtif Mahasiswa Melakukan Online Shopping. Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi, 16(1), 29. https://doi.org/10.30742/equilibrium.v16i1.805
13. Khalisharani, H., Sabri, M. F., Johan, I. R., Burhan, N. A. S., & Yusof, A. N. M. (2022). The Influence of Parental Financial Socialisation and Financial Literacy on University Student’s Financial Behaviour. International Journal of Economics and Management, 16(3), 351–364. https://doi.org/10.47836/ijeam.16.3.06
14. Khoirunnisa, I. R., & Rochmawati, R. (2021). Pengaruh Literasi Keuangan, Sikap Keuangan, dan Pendidikan Keuangan Keluarga Terhadap Manajemen Keuangan Pribadi dengan Locus Of Control Sebagai Variabel Intervening. Jurnal Pendidikan Akuntansi (JPAK), 9(2), 210–219. https://doi.org/10.26740/jpak.v9n2.p210-219
15. Kholifah, W. N., & Takarini, N. (2023). Factors That Influence Financial Management Personal Student Feb Upn " Veteran " East Java. International Journal of Business Marketing and Management (IJBMM). 8(4), 213–220.
16. Kholilah, N. Al, & Iramania, R. (2013). Studi Financial Management Behaviour. Jurnal of Business And Banking, 3(1), 69–80.
17. Komaria, N. (2020). Pengaruh Financial Attitude, Financial Knowledge, Dan Personal Income Terhadap Personal Financial Management Behavior Pada Karyawan Generasi Milenial Pt. Petrokimia Gresik. Journal of Chemical Information and Modeling, 53(9), 1689–1699.
18. Kumalasari, D., & Anwar, M. (2022). Financial Knowledge Moderating The Effect Of Money Attitude On Personal Financial Management Behavior Of Students. Economos : Jurnal Ekonomi Dan Bisnis, 5(3), 225–232. https://doi.org/10.31850/economos.v5i3.2046
19. Mariana, D., Purwanto, E., & Wikartika, I. (2022). Pengaruh Perilaku Pengelolaan Keuangan terhadap Penerima Kartu Indonesia Pintar pada Mahasiswa UPN ”Veteran” Jawa Timur. Jurnal Ilmiah Universitas Batanghari Jambi, 22(3), 1536. https://doi.org/10.33087/jiubj.v22i3.2554
20. Nikmatus Sholihah, D., & Isbanah, Y. (2023). Pengaruh literasi keuangan, pengetahuan keuangan, locus of control, dan hedonism lifestyle terhadap financial management behavior. Jurnal Ilmu Manajemen, 11(3), 589–601.
21. Nisa, F. K., & Haryono, N. A. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financial Self Efficacy, Income, Locus of Control, dan Lifestyle terhadap Financial Management Behavior Generasi Z di Kota Surabaya. Jurnal Ilmu Manajemen, 10(1), 82–97. https://doi.org/10.26740/jim.v10n1.p82-97
22. Nugroho Mahfud, A. F. Y. S. N. (2023). Peran Financial Literacy, Locus of Control, Dan Financial Self Efficacy Pada Financial Management Behavior. Journal Economic Insights, 2(1), 1–13. https://jei.uniss.ac.id/index.php/v1n1/article/view/59%0Ahttps://jei.uniss.ac.i d/index.php/v1n1/article/download/59/39
23. Nuryana, I., & Rahmawati, N. (2020). Perilaku pengelolaan keuangan. Jurnal Pendidikan Ekonomi, 9(1), 174. https://doi.org/10.15294/eeaj.v9i1.37246
24. Nusa, S. R. B., & Dewi, A. S. (2022). Pengaruh Financial Knowledge, Financial Attitude Dan Parental Income Terhadap Financial Management Behavior Mahasiswa Daerah Istimewa Yogyakarta. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(3), 905–914. https://doi.org/10.31955/mea.v6i3.2438
25. Pramedi, A. D., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya. Jurnal Ilmu Manajemen, 9(2), 572. https://doi.org/10.26740/jim.v9n2.p572-586
26. Safitri, A., & Kartawinata, B. R. (2020). Pengaruh Financial Socialization Dan Financial Experience Terhadap Financial Management Behavior (Studi Pada Wanita Bekerja Di Kota Bandung). Jurnal Ilmu Keuangan Dan Perbankan (JIKA), 9(2), 158–170.
27. Siswanti, I., & Halida, A. M. (2020). Self-Control As Mediating. The International Journal of Accounting and Business Society, 28(01), 105–131.
28. Utami, N. G. P., & Isbanah, Y. (2023). Pengaruh financial literacy, financial attitude, financial technology, self-control, dan hedonic lifestyle terhadap financial behavior. Jurnal Ilmu Manajemen, 11(3), 506–521. https://journal.unesa.ac.id/index.php/jim/article/view/24286/9796
29. Velya Anggraini, Fera Sriyunianti, & Armel Yentifa. (2022). Pengaruh Financial Literacy, Financial Attitude dan Locus of control terhadap Financial Management Behavior (Studi Kasus pada Mahasiswa Bidikmisi dan Non Bidikmisi Jurusan Akuntansi Politeknik Negeri Padang). Jurnal Akuntansi, Bisnis Dan Ekonomi Indonesia (JABEI), 1(1), 116–128. https://doi.org/10.30630/jabei.v1i1.21
30. Widyawati, I. (2012). Faktor-Faktor Yang Mempengaruhi Literasi Finansial Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Brawijaya. Assets: Jurnal Akuntansi Dan Pendidikan, 1(1), 89. https://doi.org/10.25273/jap.v1i1.527
31. Wijaya, C. K. (2024). Pengaruh Financial Literacy, Financial Attitude, Financial Self-Efficacy, Financial Technology, Locus Of Control, Lifestyle Terhadap Financial Management Behaviour Pada Mahasiswa Surabaya Hobby Modif Mobil. Journal Of Economics, Business, Management, Accounting and Social Sciences, 2(2), 55-64.
Authors
[1]
“The Influence of Financial Knowledge, Financial Attitude, Financial Self-Efficacy, and Parental Financial Socialization on Financial Management Behavior in State University Students in Surabaya”, Soc. sci. humanities j., vol. 9, no. 05, pp. 7567–7579, May 2025, doi: 10.18535/sshj.v9i04.1812.
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