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The Influence of Financial Literature, Financial Technology, and Income on Financial Behavior
Abstract
The purpose of this study was to analyze the effect of Financial Literacy, Financial Technology, and Income on Financial Behavior. The population of this research is Management Students at Mercu Buana University located in West Jakarta. The sample was selected using the convenience sampling method as many as 48 respondents. The data processing technique uses structural equation modeling assisted by the SmartPLS program. 3.2.7. The results of this study indicate that Financial Literacy and Income have a positive and significant effect on Financial Behavior (Financial Behavior), while Financial Technology is negative and does not significantly affect Financial Behavior (Financial Behavior).
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References
REFERENCES
Aizcorbe, AM, Kennickell, AB, & Moore, KB (2003). Recent Changes in US Family Finances: Evidence from the 1998 and 2001 Consumer Finance Surveys. Federal Reserve Bulletin, 86, 1-32.
Alfrin Erman Sampoerno & Nadia Asandimitra Haryono. Financial Management Behavior. Journal of Business and Accounting, 12(3), 131–144.
Fatimah, N. and Susanti. (2018). The Effect of Learning Financial Accounting, Financial Literacy, and Income on Financial Behavior of Students of the Faculty of Economics, University of Muhammadiyah Gresik, Journal of Accounting Education (JPAK), 6(1), 48–57.
Hieminga, G., Lande, F. and Nijboer, F. (2016). FinTech For Micro, Small and Medium Sized Enterprises, ING Economics Department, (October), 1–38.
Hair, JF, Ringle, CM, & Sarstedt, M. (2011). PLS-SEM: Indeed a Silver Bullet. Journal of Marketing Theory & Practice, 19(2), 139-151.
Ida, & Dwinta, CY (2010). The Influence of Locus of Control, Financial Knowledge, Income on Financial Management Behavior. Journal of Business and Accounting, 12(3), 131-144.Financial Fervices Authority. (2017). Public Lecture on Financial Technology in Indonesia. Jakarta: OJK.
Lubis, I., S. 2020. "Millennial Generation Financial Behavior". Accessed via:https://news.detik.com/kolom/d-4915295/perlaku-finansial-generation-millennial
Muchlis, R. (2018). SWOT analysis of financial technology (fintech) Islamic banking financing in Indonesia, Islamic Economics journal. Vol.3, No.2, http://jurnal.uinsu.ac.id. accessed on November 1, 2021 at 20:30.
Marginingsih, R. (2019). SWOT analysis of financial technology (fintech) on the banking industry. Journal of Humanities, Vol, 19 No.1. Http://ejournal.bsi.ac.id/ejurnal/index.php/cakrawala. Accessed on November 2, 2021 at 16.45
Nababan, D. and Sadalia, I. (2013). Personal Financial Literacy Analysis And The Financial Behavior Of Undergraduate Students Of The University Of North Sumatra's Econo, Management Information Media, 1, 1–16
Octavio, DQ (2016). The Effect of Financial Literacy on Financial Behavior, Universitas Gadjah Mada Yogyakarta
Perry, VG, & Morris, MD (2005). Who Controls? The Role of Self-Perception, Knowledge, and Income in Explaining Consumer Financial Behavior. Journal of Consumer Affairs, 39(2), 299-313.
Purwidianti, W. (2013). Analysis of the Effect of Financial Experience and Income Level on Family Financial Behavior in East Purwokerto District. Benefit, Journal of Management and Business, 1(2), 141–148.
Pulungan, Delyana rahmawany, Koto, M., & Syahfitri, L. (2018). The Influence of Hedonic Lifestyle and Emotional Intelligence on Student Financial Behavior. Royal National Seminar (SENAR), 1(1), 401–406.
Putra, A., Handayani, S., & Pambudi, A. (2013). Self-Control Behavior on Personal Financial Management Behavior Based on Planned Behavior Theory Using Partial Least Square Approach. JP FEB Unsoed, 3(1), 309–314.
Putri, & Rahyuda, H. (2017). The Influence of Financial Literacy Level and Sociodemographic Factors on Individual Investment Decision Behavior. E-Journal of Economics and Business Udayana University, 9, 3407. https://doi.org/10.24843/eeb.2017.v06.i09.p09
Wagner, J. (2014). An Empirical Analysis Linking a Person's Financial Risk Tolerance and Financial Literacy to Financial Behaviors. Journal of Economic Psychology, 1–27.
Widiastuti, E., & Wahyudi, S.2021. "Technology Based Financial Services Innovation, Financial Literacy and Its Impact on Financial Behavior". Journal of Accounting, Management, and Economics. 23(1), 1-8.
Wiranto, WW (2020). the role of fintech in increasing micro, small and medium enterprises (MSMEs). Journal of Sharia Economics and Economics, Vol.3 No.1,, 62 - 63. stealwashaliyahsibolga.ac.id. accessed on November 2, 2021 at 10:00
Yap, RJC, Komalasari, F. and Hadiansah, I. (2019). The Effect of Financial Literacy and Financial Management Behavior on Retirement Confidence, International Journal of Administrative Science & Organization, 23(3), available at: https://doi.org/10.2991/piceeba-19.2019.90.
Yeo, JH and Fisher, PJ (2017). Mobile Financial Technology and Consumers' Financial Capability in the United States, Journal Of Education & Social Policy, 7(1), 80–93
Zahriyan, MZ (2016). The Effect of Financial Literacy and Attitudes towards Money on Family Financial Management Behavior. Journal of Business and Banking, 1, 1–10.REFERENCES
Aizcorbe, AM, Kennickell, AB, & Moore, KB (2003). Recent Changes in US Family Finances: Evidence from the 1998 and 2001 Consumer Finance Surveys. Federal Reserve Bulletin, 86, 1-32.
Alfrin Erman Sampoerno & Nadia Asandimitra Haryono. Financial Management Behavior. Journal of Business and Accounting, 12(3), 131–144.
Fatimah, N. and Susanti. (2018). The Effect of Learning Financial Accounting, Financial Literacy, and Income on Financial Behavior of Students of the Faculty of Economics, University of Muhammadiyah Gresik, Journal of Accounting Education (JPAK), 6(1), 48–57.
Hieminga, G., Lande, F. and Nijboer, F. (2016). FinTech For Micro, Small and Medium Sized Enterprises, ING Economics Department, (October), 1–38.
Hair, JF, Ringle, CM, & Sarstedt, M. (2011). PLS-SEM: Indeed a Silver Bullet. Journal of Marketing Theory & Practice, 19(2), 139-151.
Ida, & Dwinta, CY (2010). The Influence of Locus of Control, Financial Knowledge, Income on Financial Management Behavior. Journal of Business and Accounting, 12(3), 131-144.Financial Fervices Authority. (2017). Public Lecture on Financial Technology in Indonesia. Jakarta: OJK.
Lubis, I., S. 2020. "Millennial Generation Financial Behavior". Accessed via:https://news.detik.com/kolom/d-4915295/perlaku-finansial-generation-millennial
Muchlis, R. (2018). SWOT analysis of financial technology (fintech) Islamic banking financing in Indonesia, Islamic Economics journal. Vol.3, No.2, http://jurnal.uinsu.ac.id. accessed on November 1, 2021 at 20:30.
Marginingsih, R. (2019). SWOT analysis of financial technology (fintech) on the banking industry. Journal of Humanities, Vol, 19 No.1. Http://ejournal.bsi.ac.id/ejurnal/index.php/cakrawala. Accessed on November 2, 2021 at 16.45
Nababan, D. and Sadalia, I. (2013). Personal Financial Literacy Analysis And The Financial Behavior Of Undergraduate Students Of The University Of North Sumatra's Econo, Management Information Media, 1, 1–16
Octavio, DQ (2016). The Effect of Financial Literacy on Financial Behavior, Universitas Gadjah Mada Yogyakarta
Perry, VG, & Morris, MD (2005). Who Controls? The Role of Self-Perception, Knowledge, and Income in Explaining Consumer Financial Behavior. Journal of Consumer Affairs, 39(2), 299-313.
Purwidianti, W. (2013). Analysis of the Effect of Financial Experience and Income Level on Family Financial Behavior in East Purwokerto District. Benefit, Journal of Management and Business, 1(2), 141–148.
Pulungan, Delyana rahmawany, Koto, M., & Syahfitri, L. (2018). The Influence of Hedonic Lifestyle and Emotional Intelligence on Student Financial Behavior. Royal National Seminar (SENAR), 1(1), 401–406.
Putra, A., Handayani, S., & Pambudi, A. (2013). Self-Control Behavior on Personal Financial Management Behavior Based on Planned Behavior Theory Using Partial Least Square Approach. JP FEB Unsoed, 3(1), 309–314.
Putri, & Rahyuda, H. (2017). The Influence of Financial Literacy Level and Sociodemographic Factors on Individual Investment Decision Behavior. E-Journal of Economics and Business Udayana University, 9, 3407. https://doi.org/10.24843/eeb.2017.v06.i09.p09
Wagner, J. (2014). An Empirical Analysis Linking a Person's Financial Risk Tolerance and Financial Literacy to Financial Behaviors. Journal of Economic Psychology, 1–27.
Widiastuti, E., & Wahyudi, S.2021. "Technology Based Financial Services Innovation, Financial Literacy and Its Impact on Financial Behavior". Journal of Accounting, Management, and Economics. 23(1), 1-8.
Wiranto, WW (2020). the role of fintech in increasing micro, small and medium enterprises (MSMEs). Journal of Sharia Economics and Economics, Vol.3 No.1,, 62 - 63. stealwashaliyahsibolga.ac.id. accessed on November 2, 2021 at 10:00
Yap, RJC, Komalasari, F. and Hadiansah, I. (2019). The Effect of Financial Literacy and Financial Management Behavior on Retirement Confidence, International Journal of Administrative Science & Organization, 23(3), available at: https://doi.org/10.2991/piceeba-19.2019.90.
Yeo, JH and Fisher, PJ (2017). Mobile Financial Technology and Consumers' Financial Capability in the United States, Journal Of Education & Social Policy, 7(1), 80–93
Zahriyan, MZ (2016). The Effect of Financial Literacy and Attitudes towards Money on Family Financial Management Behavior. Journal of Business and Banking, 1, 1–10.
DOI: http://dx.doi.org/10.22441/indikator.v6i3.14235
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