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Effect of Individual Attributes toward Financial Management Behavior through Locus of Control

ETIKONOMI · Vol. 22 No. 2 (2024) · hlm. 443–456

DOI
10.15408/etk.v22i2.26563
ISSN
2461-0771, 1412-8969
Terbit
2024-03-30
Penerbit
Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta
Bahasa
eng

Abstrak

Only a few studies have examined the use of comprehensive variables in determining financial management behavior, though the model involves many other variables. Therefore, this study aimed to examine the locus of control as a mediator variable in the effect of financial attitude and knowledge, income, and spiritual intelligence on financial management behavior. It used a quantitative descriptive method and involved 391 respondents determined through convenience sampling. The results showed that financial attitude and spiritual intelligence significantly impact financial management behavior through locus of control. Whereas in the other two variables, namely financial knowledge, and income, the role of the mediator does not function effectively, so it does not have an indirect effect. These findings have implications for individuals to practice financial readiness in daily financial life. The information obtained also strengthens the role of self-control in financial management.JEL Classification: G40, G41How to Cite:Amri, A., Widyastuti, T., Bahri, S., & Ramdani, Z. (2023). Effect of Inidvidual Attributes toward Financial Management Behavior through Locus of Control. Etikonomi, 22(2), 443 – 456. https://doi.org/10.15408/etk.v22i2.26563.

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  • Sunan Gunung Djati State Islamic University Bandung
  • Institut Agama Islam Negeri Bone
  • UIN Syekh Wasil Kediri
  • National Research and Innovation Agency
  • University of Mataram
  • Universitas Al-Azhar Indonesia
  • Universitas Gadjah Mada
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Rekan penulisOrganisasiArtikel bersama
Yonathan NatanaelSunan Gunung Djati State Islamic University Bandung3
Feri Indra IrawanSunan Gunung Djati State Islamic University Bandung2
Metha Irmawayani PutriSunan Gunung Djati State Islamic University Bandung2
Yopi Yudha UtamaAfiliasi tidak diketahui2
Deni HadianaNational Research and Innovation Agency2
Jaka WarsihnaIndonesia Open University2
W. WidodoUniversitas Negeri Surabaya2
Darwis ChandraIndonesia University of Education2
E. SopandiNational Research and Innovation Agency2
Nirwanto NirwantoUniversity of Mataram1
Lisa HarsyiahUniversity of Mataram1
Abd. HafidInstitut Agama Islam Negeri Bone1
Sitti Nikmah MarzukiInstitut Agama Islam Negeri Bone1
Musrini MuisInstitut Agama Islam Negeri Bone1
Rini IdayantiInstitut Agama Islam Negeri Bone1
Sunarmo SunarmoUniversitas Al-Azhar Indonesia1
Mihda ThurisainaUniversitas Al-Azhar Indonesia1
Ardio SagitaUniversiti Utara Malaysia1
Syifa Rahma TsaniaSunan Gunung Djati State Islamic University Bandung1
Ila Nurlaila HidayatSunan Gunung Djati State Islamic University Bandung1
Tintin SupriyatinSunan Gunung Djati State Islamic University Bandung1
Susi SusantiUniversitas Gadjah Mada1
Diana Fitria SalsabilaSunan Gunung Djati State Islamic University Bandung1
Rifa RofifahSunan Gunung Djati State Islamic University Bandung1
Deden SudirmanSunan Gunung Djati State Islamic University Bandung1
Citamia Vastya IhsaniSunan Gunung Djati State Islamic University Bandung1
Ahmad Fahmi DinullohUniversitas Madani Nusantara1
Binti MutafaridaUIN Syekh Wasil Kediri1
Moh Farih FahmiUIN Syekh Wasil Kediri1
Ning Purnama SariatiUIN Syekh Wasil Kediri1
Widya Ratna SariAfiliasi tidak diketahui1
Nunik Kurniatul LailaAfiliasi tidak diketahui1
Sulistyowati SulistyowatiAfiliasi tidak diketahui1
Elis NurhasanahSiliwangi University1
Khotibul UmamUniversitas Gadjah Mada1
Irfan FahmiSunan Gunung Djati State Islamic University Bandung1

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Sumber metadata: OAI-PMH (metadata jurnal) http://journal.uinjkt.ac.id/index.php/etikonomi/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Effect of Individual Attributes toward Financial Management Behavior through Locus of Control</dc:title>
	<dc:creator xml:lang="en">Amri, Andi</dc:creator>
	<dc:creator xml:lang="en">Widyastuti, Tri</dc:creator>
	<dc:creator xml:lang="en">Bahri, Syamsul</dc:creator>
	<dc:creator xml:lang="en">Ramdani, Zulmi</dc:creator>
	<dc:subject xml:lang="en">finance</dc:subject>
	<dc:subject xml:lang="en">financial management behavior</dc:subject>
	<dc:subject xml:lang="en">income</dc:subject>
	<dc:subject xml:lang="en">spiritual intelligence</dc:subject>
	<dc:subject xml:lang="en">locus of control</dc:subject>
	<dc:description xml:lang="en">Only a few studies have examined the use of comprehensive variables in determining financial management behavior, though the model involves many other variables. Therefore, this study aimed to examine the locus of control as a mediator variable in the effect of financial attitude and knowledge, income, and spiritual intelligence on financial management behavior. It used a quantitative descriptive method and involved 391 respondents determined through convenience sampling. The results showed that financial attitude and spiritual intelligence significantly impact financial management behavior through locus of control. Whereas in the other two variables, namely financial knowledge, and income, the role of the mediator does not function effectively, so it does not have an indirect effect. These findings have implications for individuals to practice financial readiness in daily financial life. The information obtained also strengthens the role of self-control in financial management.JEL Classification: G40, G41How to Cite:Amri, A., Widyastuti, T., Bahri, S., &amp;amp; Ramdani, Z. (2023). Effect of Inidvidual Attributes toward Financial Management Behavior through Locus of Control. Etikonomi, 22(2), 443 – 456. https://doi.org/10.15408/etk.v22i2.26563.</dc:description>
	<dc:publisher xml:lang="en">Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta</dc:publisher>
	<dc:date>2024-03-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/26563</dc:identifier>
	<dc:identifier>10.15408/etk.v22i2.26563</dc:identifier>
	<dc:source xml:lang="en">ETIKONOMI; Vol. 22 No. 2 (2023); 443-456</dc:source>
	<dc:source>2461-0771</dc:source>
	<dc:source>1412-8969</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/26563/pdf</dc:relation>
	<dc:relation>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/26563/17062</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2023 Andi Amri, Tri Widyastuti, Syamsul Bahri, Zulmi Ramdani</dc:rights>
</oai_dc:dc>