财务素养和财务态度对财务管理行为的影响:印尼私立大学学生行为意向的中介作用研究

Q2 Economics, Econometrics and Finance

Investment Management and Financial Innovations Pub Date : 2023-09-06 DOI:10.21511/imfi.20(3).2023.20

Sri Fitri, Indonesia Muhammad, Jufrizen Shareza Hafiz, entan-© Sri, Fitri Wahyuni, Radiman, Muhammad Shareza, Jufrizen Hafiz, Sri Fitri Wahyuni, Hafiz, .Acc Lecturer

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引用次数: 1

摘要

财务管理行为是对个人的财务资源进行规划和管理的实施行为，无论是在消费活动中还是在投资活动中，它都可以根据所产生的风险显示出个人在财务管理中的特点，从而使每个人都需要良好的控制。本研究旨在探讨在大学生行为意向的中介作用下，理财素养和理财态度对理财行为的影响。本研究的参与者是目前就读于棉兰(北苏门答腊，印度尼西亚)著名私立大学的本科生。本研究的人口和样本包括来自印度尼西亚北苏门答腊岛私立大学经济与商业学院的学生。目的和滚雪球抽样采用数据收集技术，即在线问卷。李克特量表测量对陈述和问题的反应指标。这项研究的数据收集有150名受访者。研究结果表明，财务素养影响财务管理行为和行为意向(p <0.05)。理财态度影响理财行为(p <0.05)，财务态度不影响行为意向(p >行为意向影响财务管理行为(p <0.05)。行为意向不中介财务素养对财务管理行为的影响(p >财务态度对财务管理行为的影响不受行为意向的中介作用(p >0.05)。本研究得到了Universitas Muhammadiyah sumata Utara各级管理层的支持，为2022年的基础研究提供资金，同时也感谢Universitas Muhammadiyah sumata Utara研究与社区服务研究所(LPPM)。

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Financial literacy and financial attitude on financial management behavior: An examination of the mediating role of the behavioral intention of students at private universities in Indonesia

Financial management behavior is an implementation action of planning and managing a person’s financial resources, both in consumption and investment activities, which can show a person’s characteristics in financial management based on the risks that arise so that each needs good control. This study aims to determine the impact of financial literacy and financial attitude on financial management behavior, mediated by the behavioral intentions of university students. The participants in this study are undergraduate students currently enrolled at prestigious private universities in Medan (North Sumatra, Indonesia). This study’s population and sample consisted of students from the Faculty of Economics and Business at Private Universities in North Sumatra, Indonesia. Purposive and snowball sampling were used with data collection techniques, namely online questionnaires. The Likert scale measures indicators in responses to statements and questions. There were 150 respondents for this study’s data collection. The findings of the study indicate that financial literacy influences financial management behavior and behavioral intentions (p < 0.05). Financial attitude affects financial management behavior (p < 0.05), financial attitude does not affect behavioral intentions (p > 0.05), and behavioral intention affects Financial Management Behavior (p < 0.05). Behavioral intentions do not mediate the effect of financial literacy on Financial Management Behavior (p > 0.05), and the effect of financial attitudes on Financial Management Behavior is not mediated by behavioral intentions (p > 0.05). AcknowledgmentsThis study is supported by all levels of management at Universitas Muhammadiyah Sumatera Utara for funding Fundamental research in 2022 and thanks also to the ranks of the Institute of Research and Community Service (LPPM) Universitas Muhammadiyah Sumatera Utara.

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来源期刊

Investment Management and Financial Innovations Economics, Econometrics and Finance-Finance

CiteScore

2.50

自引率

0.00%

发文量

审稿时长

11 weeks

期刊介绍： The international journal “Investment Management and Financial Innovations” encompasses the results of theoretical and empirical researches carried out both on macro- and micro-levels, concerning various aspects of financial management and corporate governance, investments and innovations (including using of quantitative methods). It is focused on the international community of financiers, both academics and practitioners. Key topics: financial and investment markets; government policy and regulation; corporate governance; information and market efficiency; financial forecasting and simulation; financial institutions: investment companies, investment funds, investment banks, hedge funds, private pension funds; objects of real and financial investing; financial instruments and derivatives; efficiency of investment projects; econometric and statistic methods in project management; alternative investments; ratings and rating agencies.