The Effects of Financial Knowledge and Financial Attitude on Financial Management Behavior
Authors: Wardani Elma Sukma , Yuana Pusvita 
Published: August 2024

The difficulties faced by Generation Z in their financial management is affected by several factors. The objective of this research is to analyze the effects of financial knowledge and financial attitude on the financial management behavior of students of Faculty of Economics and Business of Universitas Brawijaya. The research population is the students of Faculty of Economics and Business, categorized as infinite population. Using non-probability sampling method and purposive sampling technique, 93 students were selected as the respondents. This research uses primary data, which was harvested via Google Forms and was processed in IBM SPSS Statistics 26. The assessments incorporated in this study are validity testing, reliability testing, classical assumption test (which consists of normality, multicollinearity, and heteroscedasticity tests), t-test, F test, multiple linear regression analysis, and coefficient of determination (R2) test. This study finds that (1) financial knowledge does not influence the financial management behavior of students of Faculty of Economics and Business of Universitas Brawijaya and that (2) financial attitude positively and significantly influences the financial management behavior of students of Faculty of Economics and Business of Universitas Brawijaya. These findings imply that financial knowledge level does not affect the financial management behavior and that having good financial attitude influences the financial management behavior.

Abstrak
Kesulitan dalam pengelolaan keuangan pada generasi Z dipengaruhi oleh beberapa faktor. Penelitian ini bertujuan untuk menganalisis pengaruh financial knowledge dan financial attitude terhadap financial management behavior pada mahasiswa Fakultas Ekonomi dan Bisnis di Universitas Brawijaya Malang. Penelitian ini menggunakan nonprobability sampling dan pengumpulan data menggunakan google form dan diolah menggunakan IBM SPSS Statistic 26. Populasi dalam penelitian ini adalah mahasiswa Fakultas Ekonomi dan Bisnis di Universitas Brawijaya dikategorikan populasi tidak terhingga atau infinite population. Sampel dalam penelitian ini adalah 93 responden. Teknik pengambilan sampel dalam penelitian ini dengan purposive sampling. Jenis datanya adalah data primer. Pengujian yang dilakukan antara lain uji validitas dan reliabilitas, uji asumsi klasik (uji normalitas, uji multikolinearitas, dan uji heteroskedastisitas), uji T, uji F, analisis regresi linier berganda dan koefisien determinasi (R2). Hasil penelitian ini menunjukkan bahwa (1) Financial knowledge tidak berpengaruh terhadap terhadap financial management behavior pada mahasiswa Fakultas Ekonomi dan Bisnis di Universitas Brawijaya Malang (2) Financial attitude berpengaruh secara signifikan kearah positif terhadap terhadap financial management behavior pada mahasiswa Fakultas Ekonomi dan Bisnis di Universitas Brawijaya Malang. Implikasi penelitian ini yakni tingkat pengetahuan keuangan tidak memengaruhi financial management behavior dan memiliki sikap keuangan yang baik maka memengaruhi financial management behavior.