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The Influence of Attitudes, Internal Locus, and Financial Socialization Agents on Financial Management Behavior

Economic Education Analysis Journal · Vol. 10 No. 1 (2021) · pp. 188–201

DOI
10.15294/eeaj.v10i1.44670
ISSN
2502-356X, 2252-6544
Published
2021-04-09
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

This study aims to analyze the influence of financial attitudes, internal control locus, and financial socialization agents on student financial management behavior. The population in this study were students of the Economic Education Department of Universitas Negeri Semarang 2018 class of 346 students. The sample used was 186 students using proportional random sampling technique, with sampling using the Slovin formula. Data were collected using a questionnaire. The analytical method used is descriptive statistical analysis and Structural Equation Modeling - Partial Least Square (SEM-PLS) analysis using WarpPLS 6.0 software. The results showed that financial attitudes had a positive and significant effect on financial management behavior. The locus of internal control has a positive and significant effect on financial management behavior. Financial socialization agents have a positive and significant effect on financial management behavior. The advice that can be given from this research is to be able to develop good behavioral habits of financial management by providing funds for urgent needs, being able to control the finances owned and updating information about finance through various media.

Collaboration network of the authors

15 authors · 26 co-authorship links

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Co-authorOrganisationJoint articles
Dyah Maya NihayahAffiliation unknown1
Rana Sharjeel AkhtarAffiliation unknown1
Muh. Adrikni Al HakimAffiliation unknown1
Lutfiani Puspita DewiAffiliation unknown1
Novi RachmawatiAffiliation unknown1
Ardian Bagus WicaksonoAffiliation unknown1
Rediana SetiyaniAffiliation unknown1
Tarsis TarmudjiAffiliation unknown1
Partono ThomasAffiliation unknown1
Wulan Suci RachmadaniAffiliation unknown1
Ida Nur AeniAffiliation unknown1
WidiyantoAffiliation unknown1
Dewi HanifahAffiliation 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/eeaj/oai, first harvested 5 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">The Influence of Attitudes, Internal Locus, and Financial Socialization Agents on Financial Management Behavior</dc:title>
	<dc:creator>Tsuroyya, Kharisma</dc:creator>
	<dc:creator>Nuryana, Ita</dc:creator>
	<dc:description xml:lang="en-US">This study aims to analyze the influence of financial attitudes, internal control locus, and financial socialization agents on student financial management behavior. The population in this study were students of the Economic Education Department of Universitas Negeri Semarang 2018 class of 346 students. The sample used was 186 students using proportional random sampling technique, with sampling using the Slovin formula. Data were collected using a questionnaire. The analytical method used is descriptive statistical analysis and Structural Equation Modeling - Partial Least Square (SEM-PLS) analysis using WarpPLS 6.0 software. The results showed that financial attitudes had a positive and significant effect on financial management behavior. The locus of internal control has a positive and significant effect on financial management behavior. Financial socialization agents have a positive and significant effect on financial management behavior. The advice that can be given from this research is to be able to develop good behavioral habits of financial management by providing funds for urgent needs, being able to control the finances owned and updating information about finance through various media.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2021-04-09</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 Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/eeaj/article/view/44670</dc:identifier>
	<dc:identifier>10.15294/eeaj.v10i1.44670</dc:identifier>
	<dc:source xml:lang="en-US">Economic Education Analysis Journal; Vol 10 No 1 (2021): Economic Education Analysis Journal; 188-201</dc:source>
	<dc:source>2502-356X</dc:source>
	<dc:source>2252-6544</dc:source>
	<dc:source>10.15294/eeaj.v10i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/eeaj/article/view/44670/18723</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 Economic Education Analysis Journal</dc:rights>
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