Published date: Oct 22 2018

Journal Title: KnE Social Sciences

Issue title: International Conference on Economics, Business and Economic Education 2018 (ICE-BEES 2018)

Pages: 437–445

DOI: 10.18502/kss.v3i10.3146

L Amalia Nusron

M Wahidiyah

D Setyo Budiartodekengsb@upy.ac.id

Bad financial attitudes, such as wasting of money, are really difficulties to remove from Indonesian culture. The issue of financial management behavior has attractive agendas for educators, business and government agencies. The purpose of this study is to examine the effect of financial attitude, financial knowledge and personal income on financial management behavior. The research data were obtained from 94 students of Bachelor, Masters and Doctoral programs at various universities in Special Region of Yogyakarta and Central of Java with convenience sampling method. The quality of data generated by this research instrument was assessed using validity and reliability tests. Hypotheses were tested using multiple regression analysis to determine the effect of independent variables on financial management behavior. The results showed that financial attitude, financial knowledge and personal income have a significant effect on financial management behavior.

Keywords: financial attitude, financial knowledge, personal income, financial management behavior.

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