Meningkatkan Perilaku Pengelolaan Keuangan Mahasiswa Melalui Financial Literacy dan Financial Sel Efficacy

Suwatno Suwatno, Ika Putera Waspada, Heni Mulyani



This study aims to analyze the factors that influence student financial management behavior predicted from financial literacy and financial self-efficacy of students, so that financial management behavior can be improved through these factors. The research method used is a quantitative design with an ex post facto approach through multiple regression techniques. Research data collection techniques using a questionnaire. The population and sample of research are students of Bachelor degree of the Faculty of Economics and Business Education, Students of the Master and Doctoral degree of Economic Education Study Programs, and Students of the Master and Doctoral degree of Management Study Programs at Universitas Pendidikan Indonesia. The number of samples was determined using the purposive sampling method. Based on the results of the study note that financial literacy and financial self-efficacy have a positive and significant effect on student financial management behavior. This means that the financial management behavior of student can be determined by the existence of financial literacy and financial self-efficacy.

Keywords. financial literacy; financial self-efficacy; financial management behaviour.



Penelitian  ini  bertujuan  untuk  menganalisis  faktor-faktor  yang  mempengaruhi  perilaku pengelolaan keuangan mahasiswa dilihat dari literasi  keuangan  dan financial self-efficacy  mahasiswa, sehingga perilaku pengelolaan keuangan dapat ditingkatkan melalui faktor-faktor tersebut.  Metode  penelitian  menggunakan  rancangan  kuantitatif  dengan  pendekatan  ex post facto  melalui  teknik  multiple regression. Teknik pengumpulan data penelitian meggunakan kuesioner.  Populasi dan sampel penelitian adalah mahasiswa Fakultas Pendidikan Ekonomi dan Bisnis S1, Program Studi Pendidikan Ekonomi S2 dan S3, serta Program Studi Manajemen S2 dan S3 pada Universitas Pendidikan Indonesia. Jumlah sampel ditentukan dengan menggunakan metode purposive sampling. Berdasarkan hasil penelitian diketahui bahwa literasi keuangan dan financial self-efficacy berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan mahasiswa. Ini berarti bahwa perilaku pengelolaan keuangan mahasiswa dapat ditentukan oleh adanya financial literacy dan financial self-efficacy.

Kata kunci. financial literacy; financial self efficacy; perilaku pengelolaan keuangan.


Financial Literacy, Financial Self Efficacy, Perilaku Pengelolaan Keuangan

Full Text:



Allgood, S., & Walstad, W. B. (2016). The effects of perceived and actual financial literacy on financial behaviors. Economic Inquiry, 54(1), 675–697.

Asaad, C. T. (2015). Financial literacy and financial behavior: Assessing knowledge and confidence. Financial Services Review, 24(2), 101–118.

de Bassa Scheresberg, C. (2013). Financial literacy and financial behavior among young adults: Evidence and implications. Numeracy, 6(2), 5.

Bandura, A. (2010). Self‐efficacy. The Corsini encyclopedia of psychology, 1-3.

Braunstein, S., & Welch, C. (2002). Financial literacy: An overview of practice, research, and policy. Fed. Res. Bull., 88, 445.

Chen, H. & Volpe, R.P. (1998). An Analysis of Personal Financial Literacy among College Students. Financial Services Review, 7(2): 107-128

Danes, S. M., & Haberman, H. (2007). Teen financial knowledge, self-efficacy, and behavior: A gendered view. Journal of Financial Counseling and Planning, 18(2).

Drew, J. M., & Cross, C. (2016). Fraud and its PREY: Conceptualising social engineering tactics and its impact on financial literacy outcomes. In Financial Literacy and the Limits of Financial Decision-Making (pp. 325–340). Springer.

Fitzsimmons, V. S., Hira, T. K., Bauer, J. W., & Hafstrom, J. L. (1993). Financial management: Development of scales. Journal of family and economic issues, 14(3), 257-274.

Gelaidan, H. M., & Abdullateef, A. O. (2017). Entrepreneurial intentions of business students in Malaysia: the role of self-confidence, educational and relation support. Journal of Small Business and Enterprise Development, 24(1), 54–67.

Grable, J. E., & Joo, S.-H. (2004). Environmental and biophysical factors associated with financial risk tolerance.

Hilgert, M.A., Hogarth J.M., Beverly, S.G. (2003). Household Financial Management: The Connection Between Knowledge and Behavior. Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue jul, pages 309-322.

Hira, T. (2010). The NEFE quarter century project: Implications for researchers, educators, and policy makers from a quarter century of financial education. Denver: National Endowment for Financial Education

Heckman, S.J. & Grable, J. (2011). Testing the role of parental debt attitudes, student income, dependency status, and financial knowledge have in shaping financial self-efficacy among college students. College student journal 45(1).

Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316.

Hogarth, J. M., Beverly, S. G., & Hilgert, M. (2003). Patterns of financial behaviors: Implications for community educators and policy makers.

Hogarth, J. M., Hilgert, M. A., & Schuchardt, J. (2002, November). Money managers: The good, the bad, and the lost. In Proceedings of the association for financial counseling and planning education (Vol. 12).

Ida & Dwinta, C.Y. (2010) Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis dan Akuntansi, Vol 12 No 3. doi: 10.34208/jba.v12i3.202

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.

Lown, Jean M., Development and Validation of a Financial Self-Efficacy Scale (2011). Journal of Financial Counseling and Planning, Vol. 22, No. 2, p. 54, 2011.

Mandell, L., & Klein, L. S. (2009). The impact of financial literacy education on subsequent financial behavior. Journal of Financial Counseling and Planning, 20(1).

Muske, G., & Winter, M. (2001). An in-depth look at family cash-flow management practices. Journal of Family and Economic Issues, 22(4), 353-372.

OECD/INFE high-level principles on national strategies for financial education. OECD Publishing.

O’Neill, B., & Xiao, J. J. (2003). Financial fitness quiz: A tool for analyzing financial behavior. Consumer Interests Annual, 49, 1-3.

Perry, V. G., & Morris, M. D. (2005). Who is in control? The role of self‐perception, knowledge, and income in explaining consumer financial Behavior. Journal of Consumer Affairs, 39(2), 299-313.

Potrich, A. C. G., Vieira, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. Management Research Review, 39(3), 356–376.

Ramalho, T. B., & Forte, D. (2018). Financial literacy in Brazil – Do knowledge and self-confidence relate with behavior? RAUSP Management Journal. doi: 10.1108/rausp-04-2018-0008.

Robb, C. A. (2011). Financial knowledge and credit card behavior of college students. Journal of Family and Economic Issues, 32(4), 690-698.

Santrock, J. (2008). Educational Psychology. McGraw-Hill Companies, Incorporated.

Silvy, M. & Yulianti, N. (2013) Sikap Pengelola Keuangan Dan Perilaku Perencanaan Investasi Keluarga Di Surabaya. Journal of Business and Banking, Vol 3 No. 1. doi: 10.14414/jbb.v3i1.254

Stajkovic, A. D., & Luthans, F. (1998). Social cognitive theory and self-efficacy: Goin beyond traditional motivational and behavioral approaches. Organizational dynamics, 26(4), 62-74.

Tang, N., & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior. Journal of Economic Psychology, 54, 164–176.

Vincentius, A. & Linawati, N. (2014). Hubungan Faktor Demografi dan Pengetahuan Keuangan Dengan Perilaku Keuangan Karyawan Swasta di Surabaya. FINESTA Vol. 02, No. 02, 35-39

Xia, T., Wang, Z., & Li, K. (2014). Financial literacy overconfidence and stock market participation. Social Indicators Research, 119(3), 1233–1245.

Xiao, J. J., Tang, C., Serido, J., & Shim, S. (2011). Antecedents and consequences of risky credit behavior among college students: Application and extension of the theory of planned behavior. Journal of Public Policy & Marketing, 30(2), 239-245.



  • There are currently no refbacks.

Creative Commons License

JPAK : Jurnal Pendidikan Akuntansi dan Keuangan  is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

View My Stats