Herlambang, Nur (2023) Pengaruh Personal Income, Financial Knowledge, Dan Self Control Terhadap Financial Management Behavior Dengan Financial Attitude Sebagai Variabel Intervening Pada Karyawan Bumn Di Surabaya. Masters thesis, Universitas Hayam Wuruk Perbanas Surabaya.
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Abstract
Personal financial behavior can be different due to several factors. BUMN employees in Surabaya have good income, self-control, financial knowledge, and financial attitudes but are faced with the problem of the high cost of living in Surabaya and do not get a pension so good financial management is needed to ensure a good future after retirement. The purpose of the research was conducted to determine the effect of personal income, financial knowledge, self-control, and financial attitude on financial management behavior, the effect of financial knowledge on financial attitude, the ability of financial attitude in mediating the effect of financial knowledge on financial management behavior, and the ability of age in moderating the effect of financial attitude on financial management behavior. The research was conducted with a quantitative approach, with the number of samples observed being 243 BUMN employees in Surabaya. The data analysis technique was carried out with the Structural Equation Model (SEM) SmartPls. The results showed that personal income, self-control and financial attitude had a significant positive effect on financial management behavior, financial knowledge had no effect on financial management behavior, financial knowledge had no effect on financial attitude, financial attitude was unable to mediate the effect of financial knowledge on financial management behavior and age was unable to moderate the relationship between financial attitude and financial management behavior. This can be an appropriate reference for companies and BUMN employees in Surabaya in improving good financial management behavior by increasing income, self-control, and financial attitude.
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.15 - FINANCIAL MANAGEMENT 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.151 - FINANCIAL CONTROL |
| Divisions: | Magister of Management |
| Depositing User: | Perpustakaan Universitas Hayam Wuruk Perbanas |
| Date Deposited: | 19 Jan 2024 07:04 |
| Last Modified: | 19 Jan 2024 07:04 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/11957 |
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