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Pengaruh Pengaruh Literasi Keuangan, Locus Of Control Dan Kepribadian Terhadap Perilaku Keuangan Melalui Financial Self-Efficacy Sebagai Variabel Intervening

Business and Accounting Education Journal · Vol. 3 No. 3 (2022) · hlm. 330–346

DOI
10.15294/baej.v3i3.51930
ISSN
2723-4487, 2723-4495
Terbit
2022-12-31
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

This study aims to analyze the effect of financial literacy, locus of control and personality on financial behavior directly or indirectly through financial self-efficacy. The research population was students of Economics Education, Faculty of Economics, Semarang State University, class of 2018, with a total of 262 students. Methods of data collection using a questionnaire. Data analysis techniques using descriptive statistical analysis, path analysis and sobel test. The results showed that (1) financial literacy, locus of control, personality, and financial self-efficacy had a positive and significant effect on financial behavior, (2) personality had no effect on financial behavior, (3) financial literacy and locus of control has a positive and significant effect on financial self-efficacy, (4) the results of the mediating effect of financial literacy and locus of control have a significant positive effect on financial behavior.

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  • Universitas Airlangga
  • Universitas Islam Nusantara
  • State University of Semarang
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Ayu ApriyantiAfiliasi tidak diketahui1
Destiya Laelatul AzizahAfiliasi tidak diketahui1
Sintaria RahmawatiAfiliasi tidak diketahui1
Selawati SeptianingtyasAfiliasi tidak diketahui1
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Narendra Utama WAfiliasi tidak diketahui1
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Bangkit Candra BiramaAfiliasi tidak diketahui1
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Siti NurdiantiAfiliasi tidak diketahui1
Shahtaz Twanneke Henga PutriAfiliasi tidak diketahui1
Winda Nurul MaulidaAfiliasi tidak diketahui1
Setiawati SetiawatiAfiliasi tidak diketahui1
Anisatul MunirahAfiliasi tidak diketahui1
Afri SubarkahAfiliasi tidak diketahui1
Umi Thoifah AmaliaAfiliasi tidak diketahui1
Diyah SafitriAfiliasi tidak diketahui1
Aditya Surya NugrohoAfiliasi tidak diketahui1
Fatimah FatimahUniversitas Airlangga1
Widiyanto WidiyantoState University of Semarang1
Muhsin MuhsinUniversitas Islam Nusantara1
Fachrurrozie FachrurrozieAfiliasi tidak diketahui1
Jarot Tri Bowo SantosoAfiliasi tidak diketahui1
Harsono HarsonoAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/baej/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Pengaruh Pengaruh Literasi Keuangan, Locus Of Control Dan Kepribadian Terhadap Perilaku Keuangan Melalui Financial Self-Efficacy Sebagai Variabel Intervening</dc:title>
	<dc:creator>Wening, Pertiwi Mega</dc:creator>
	<dc:creator>Nurkhin, Ahmad</dc:creator>
	<dc:description xml:lang="en-US">This study aims to analyze the effect of financial literacy, locus of control and personality on financial behavior directly or indirectly through financial self-efficacy. The research population was students of Economics Education, Faculty of Economics, Semarang State University, class of 2018, with a total of 262 students. Methods of data collection using a questionnaire. Data analysis techniques using descriptive statistical analysis, path analysis and sobel test. The results showed that (1) financial literacy, locus of control, personality, and financial self-efficacy had a positive and significant effect on financial behavior, (2) personality had no effect on financial behavior, (3) financial literacy and locus of control has a positive and significant effect on financial self-efficacy, (4) the results of the mediating effect of financial literacy and locus of control have a significant positive effect on financial behavior.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2022-12-31</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-US">Peer-reviewed</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/baej/article/view/51930</dc:identifier>
	<dc:identifier>10.15294/baej.v3i3.51930</dc:identifier>
	<dc:source xml:lang="en-US">Business and Accounting Education Journal; Vol 3 No 3 (2022): Business and Accounting Education Journal; 330 - 346</dc:source>
	<dc:source>2723-4487</dc:source>
	<dc:source>2723-4495</dc:source>
	<dc:source>10.15294/baej.v3i3</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/baej/article/view/51930/24186</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2022 Business and Accounting Education Journal</dc:rights>
</oai_dc:dc>