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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) · pp. 330–346

DOI
10.15294/baej.v3i3.51930
ISSN
2723-4487, 2723-4495
Published
2022-12-31
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

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.

Collaboration network of the authors

40 authors · 73 co-authorship links · showing the 40 most connected

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Co-authorOrganisationJoint articles
Hasan MukhibadAffiliation unknown5
Muhsin MuhsinAffiliation unknown4
S MartonoAffiliation unknown4
Abdul RohmanAffiliation unknown3
Kusumantoro KusumantoroAffiliation unknown3
Khasan SetiajiAffiliation unknown2
KusumantoroAffiliation unknown2
Iwan Hardi SaputroAffiliation unknown2
Algifari AlgifariAffiliation unknown2
FachrurrozieAffiliation unknown2
Satsya Yoga BaswaraAffiliation unknown2
Tri Jatmiko Wahyu PrabowoAffiliation unknown1
Fadli Arif SetiawanAffiliation unknown1
Puji LestariAffiliation unknown1
Ngabiyanto NgabiyantoAffiliation unknown1
Yozi Aulia RahmanAffiliation unknown1
Ahmad Syahrul FauziAffiliation unknown1
Dadi HartantoAffiliation unknown1
Raka Rizky AditamaAffiliation unknown1
Sri RokhaniAffiliation unknown1
Ayu ApriyantiAffiliation unknown1
Destiya Laelatul AzizahAffiliation unknown1
Sintaria RahmawatiAffiliation unknown1
Selawati SeptianingtyasAffiliation unknown1
Subkhan SubkhanAffiliation unknown1
Narendra Utama WAffiliation unknown1
Ilma AnisaturizqiAffiliation unknown1
Sifa FaridaAffiliation unknown1
Bangkit Candra BiramaAffiliation unknown1
Risnaeni RisnaeniAffiliation unknown1
Siti NurdiantiAffiliation unknown1
Shahtaz Twanneke Henga PutriAffiliation unknown1
Winda Nurul MaulidaAffiliation unknown1
Setiawati SetiawatiAffiliation unknown1
Anisatul MunirahAffiliation unknown1
Afri SubarkahAffiliation unknown1
Duwi SeptianaAffiliation unknown1
Umi Thoifah AmaliaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/baej/oai, first harvested 5 Nov 2026, last seen 5 Nov 2026.
Original metadata (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>