ANALISIS FAKTOR - FAKTOR YANG MEMENGARUHI FINANCIAL BEHAVIOR (STUDI KASUS PENGGUNA E-WALLET)

Abstract

The modern era shows developments and innovations in technology and offers a lot of conveniences, one of them is the ease in an economic transaction. E-wallet (e-wallet) is an example of changes in the payment system. The use of e-wallet raises the possibility of the consumptive behavior of productive society, especially the Alumni of STIE Indonesia Banking School. Financial Behavior has become concerned nowadays, because someone with responsible Financial Behavior can protect him from financial failure. The purpose of his study is to examine the relationship between Financial Knowledge and Financial Attitude on Financial Behavior either directly or through the Internal Locus of Control as a mediating variable. The number of samples are 151 Alumni of STIE Indonesia Banking School Class of 2004-2016, where the sample selection used the purposive sampling technique. Data analysis using Structural Equation Modeling on Smart PLS 3.0. This research found that there was a positive and significant influence caused by Financial Knowledge and Financial Attitude on Financial Behavior either directly or through the Internal Locus of Control. Kind of mediation in this study is partial mediation.

Keywords

• internal locus of control
• financial behavior
• financial knowledge
• financial attitude