Pengaruh Financial Knowledge, Locus of Control, Financial Attitude, dan Self-Control terhadap Financial Management Behavior pada Pengurus dan Alumni IAI Muda Wilayah Jawa Timur

Financial management behavior mengacu pada kemampuan individu dalam mengatur keuangan secara bertanggung jawab, termasuk menyusun anggaran, mengontrol pengeluaran, menabung, mengelola utang, dan membuat keputusan keuangan yang tepat. Perilaku ini tidak terbentuk begitu saja, tetapi dipengaruhi oleh beberapa faktor psikologis dankognitif, seperti financial knowledge, locus of control, financial attitude, dan self-control. Tujuan dalam penelitian ini adalah untuk mengetahui pengaruh secara parsial maupun simultan financial knowledge, locus of control, financial attitude, self-control terhadap financial management behavior padaAlumi dan Pengurus IAI Muda Wilayah Jawa Timur. Populasidalam penelitian ini adalah pengurus dan alumni IAI Muda Wilayah Jatim sebanyak 321 orang, dengan menggunakan Teknik pengambilan sampel secara random sampling dengan perhitungan menggunakan rumus slovin didapatkan 76 orang menjadi sampel penelitian. Analisis data penelitian ini menggunakan regresi linerberganda menggunakan software SPSS. Hasil dalam penelitian inimenjelaskan bahwasecara parsial financial knowledge,financial attitude, self-control berpengaruh positif dan signifkan terhadap financial management behavior, sedangkan locus of control berpengaruh positif dan tidak signifkan terhadap financial management behavior pada Alumi dan Pengurus IAI Muda Wilayah Jawa Timur. Secara simultan semua variable berpengaruh signifkanterhadap financial management behavior.

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Financial management behavior refers to an individual's ability to manage finances responsibly,including budgeting, controlling expenses, saving, managing debt, and making sound financial decisions. This behavior does not develop on its own, but is influenced by several psychological and cognitive factors, such as financial knowledge, locus of control, financial attitude, and self-control. The purpose of this study is to determine the partial and simultaneous effects of financial knowledge, locus of control, financial attitude, and self-control on financial management behavior among alumni and administrators of the East Java Regional Young IAI. The population in this study consisted of 321 administrators and alumni of IAI Muda East Java Region. Random sampling technique was used, and based on the Slovin formula, 76 people were selected as research samples. Data analysis in this study used multiple linear regression using SPSS software. The results of this study explain that partially, financial knowledge, financial attitude, and self-control have a positive and significant effect on financial management behavior, while locus of control has a positive and insignificant effect on financial management behavior among alumni and administrators of IAI Muda East Java Region. Simultaneously, all variables have a significant effect on financial management behavior.