Pengaruh Pengetahuan, Kepercayaan Diri dan Perilaku Keuangan Mahasiswa Akuntansi
Abstract
Abstrak
The aims of this research is to examine the effect of financial knowledge and self confidence on financial behavior, the effect of self confidence on financial behavior, and the role of mediating self confidence on the relationship of financial knowledge to financial behavior. This research processed primary data using a questionnaire distributed to the student of Universitas Muhammadyah Sumatera Utara. The research sample was selected using the Slovin formula at the level of confidence 5%. The sample analyzed were 328 questionnaire. The analytical tool used is Structural Equation Modeling with the Partial Least Square approach. The results showed that financial knowledge had an effect on self-confidence, self- confidence had an effect on financial behavior, self-confidence mediated the effect of financial knowledge on financial behavior. In addition, financial knowledge does not affect financial behavior.
Abstrak
Penelitian ini bertujuan untuk menguji pengaruh pengetahuan finansial dan kepercayaan diri terhadap perilaku keuangan, pengaruh kepercayaan diri terhadap perilaku keuangan, dan peran mediasi kepercayaan diri terhadap hubungan pengetahuan keuangan terhadap perilaku keuangan. Penelitian ini mengolah data primer dengan menggunakan kuesioner yang disebarkan kepada mahasiswa Universitas Muhammadyah Sumatera Utara. Sampel penelitian dipilih menggunakan rumus Slovin pada tingkat kepercayaan 5%. Sampel yang dianalisis sebanyak 328 kuesioner. Alat analisis yang digunakan adalah Structural Equation Modeling dengan pendekatan Partial Least Square. Hasil penelitian menunjukkan bahwa pengetahuan keuangan berpengaruh terhadap kepercayaan diri, kepercayaan diri berpengaruh terhadap perilaku keuangan, kepercayaan diri memediasi pengaruh pengetahuan keuangan terhadap perilaku keuangan. Selain itu, pengetahuan keuangan tidak berpengaruh terhadap perilaku keuangan.
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DOI: https://doi.org/10.61715/gledger.v2i1.38
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