Ability Locus of Control in Mediating Islamic Attitude and Knowledge on Financial Behavior
DOI:
https://doi.org/10.24269/ekuilibrium.v18i2.2023.pp120-135Abstract The primary objective of this study was conducted (1) to test the influence of financial knowledge and locus of control on financial behavior, (2) to find the impact of Islamic financial attitudes toward financial conduct and Locus of Control, (3) to investigate influence the role of locus of control as a mediator between financial knowledge and Islamic finance attitudes in relation to financial behavior. Although the model concept used in this study has been explored previously, the specific indicators for the Islamic financial attitude variable have not been studied before.This research follows an explanatory approach, which involves testing hypotheses to understand the relationships between variables. The study included a sample of 130 Muslim farmers from Tuban Regency, selected through cluster sampling. Data analysis was conducted using SmartPLS3 software, employing Path Analysis as the analytical technique.Based on the data analysis and inquiry results, the study found that Islamic financial attitudes had a positive impact on individuals' financial locus of control and financial behavior. However, financial knowledge did not significantly affect financial locus of control and behavior.Furthermore, the locus of control was identified as a mediator between Islamic financial attitudes and individuals' financial behavior, indicating that it played a role in influencing financial behavior based on their attitudes towards Islamic finance. However, the locus of control was not capable of mediating the impact of financial knowledge on financial behavior.
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References
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Andanika, A., Echdar, S., & Sjarlis, S. (2020). Analisis Faktor Faktor yang Mempengaruhi Perilaku Pengelolaan Keuangan Pelaku Bisnis Ibu Rumah Tangga di Desa Tawondu Kecamatan Suli Kabupaten Luwu. Jurnal Bisnis & Kewirausahaan, 9(1). https://doi.org/10.37476/jbk.v9i1.872
Atikah, A., & Kurniawan, R. R. (2021). Pengaruh Literasi Keuangan, Locus of Control, dan Financial Self Efficacy Terhadap Perilaku Manajemen Keuangan. JMB: Jurnal Manajemen Dan Bisnis, 10(2). https://doi.org/10.31000/jmb.v10i2.5132
Atkinson, A., M. P. (2012). Measuring financial literacy: Result of the OECD / International Network on Financial Education (INFE) pilot study. OECD working Papers on Finance, Insurance and Private Pensions. OECD Publishing.
Barakah, A., Suitra, P., & Najiha, U. (2018). Etika Konsumsi (Istihlak) Perspektif Filsafat Ekonomi Islam. CENDEKIA: Jurnal Studi Keislaman, 6(1).
Cahyaningrum, B., & Fikri, M. A. (2021). Peran Pemediasi Locus of Control pada Pengaruh Financial Knowledge dan Financial Attitude terhadap Financial Management Behavior. Jurnal Ilmu Manajemen, 9(4). https://doi.org/10.26740/jim.v9n4.p1500-1515
Cera, G., Mlouk, A., Cera, E., & Shumeli, A. (2020). The impact of entrepreneurship education on entrepreneurial intention. A quasi-experimental research design. Journal of Competitiveness, 12(1). https://doi.org/10.7441/joc.2020.01.03
Chin, W. W. (1998). The Partial Least Squares Aproach to Structural Equation. Modeling. Modern Methods for Business Research, 295, 336.
Çoşkun, A., & Dalziel, N. (2020). Mediation effect of financial attitude on financial knowledge and financial behavior. International Journal of Research in Business and Social Science (2147- 4478), 9(2), 01–08. https://doi.org/10.20525/ijrbs.v9i2.647
Dew, Jeffrey and Xiao, Jing Jian, The Financial Management Behavior Scale: Development and Validation (2011). Journal of Financial Counseling and Planning, Vol. 22, No. 1, p. 43, 2011, Available at SSRN: https://ssrn.com/abstract=2061265
Dewanti, V. P., & Asandimitra, N. (2021). Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater. Jurnal Ilmu Manajemen, 9(3). https://doi.org/10.26740/jim.v9n3.p863-875
Dwiastanti, A. (2017). Analysis of financial knowledge and financial attitude on locus of control and financial management behavior. Management and Business Review, 1(1). https://doi.org/10.21067/mbr.v1i1.2043
Humaira, I., & Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian terhadap Perilaku Manajemen Keuangan pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi Dan Manajemen, 7(1). https://doi.org/10.21831/nominal.v7i1.19363
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Kholilah, N. al, & Iramani, Rr. (2013). Studi Financial Management Behavior pada Masyarakat Surabaya. Journal of Business and Banking, 3(1). https://doi.org/10.14414/jbb.v3i1.255
Lara Ekamia, G., Yusuf, S., & Budiman, N. (2023). Perilaku Ikhlas Alumni Santri Siap Guna Daarut Tauhiid: Fenomenologi. In Syamsu Yusuf L.N. Nandang Budiman (Vol. 3, Issue 1). Online.
Maftuhin, M., & Kusumawardani, D. (2022). Household Saving Behavior on Formal Financial Institutions in Urban and Rural Areas. Ekuilibrium: Jurnal Ilmiah Bidang Ilmu Ekonomi, 17(1). https://doi.org/10.24269/ekuilibrium.v17i1.4169
Moh. Soleh, Moh Irfan Burhani, & Luthfi Atmasari. (2022). Hubungan antara Locus of Control dengan Prokrastinasi Akademik pada Mahasiswa Psikologi IAIN Kediri. Happiness, Journal of Psychology and Islamic Science, 4(2). https://doi.org/10.30762/happiness.v4i2.366
Muhidia, S. C. U. (2019). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Locus of Control terhadap Perilaku Keuangan Mahasiswa Prodi Manajemen Universitas Muhammadiyah Gresik. Manajerial, 5(2). https://doi.org/10.30587/manajerial.v5i2.840
Norris, S. (2023). Personal Role in the Mediation of Entrepreneurship Education on Interest in Entrepreneurship. Jurnal Ilmiah Bidang Ilmu Ekonomi, 18(1), 11–21. http://journal.umpo.ac.id/index.php/ekuilibrium
Nur Baits, A. (2017). Ada Apa dengan Riba? (R. Purwanto, Ed.; 3rd ed.). Pustaka Muamalah Jogja .
Nurazizah, S., & Indrayenti, I. (2022). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Perilaku Manajemen Kuangan Mahasiswa. Jurnal EMA, 7(1). https://doi.org/10.47335/ema.v7i1.112
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Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Locus of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1). https://doi.org/10.24252/minds.v6i1.9274
Rahmawati, N. W., & Haryono, N. A. (2020). Analisis Faktor yang Memengaruhi Financial Management Behavior dengan Mediasi Locus of Control. In Jurnal Ilmu Manajemen (Vol. 8).
Rai, K., Dua, S., & Yadav, M. (2019). Association of financial attitude, financial behaviour and financial knowledge towards financial literacy: A structural equation modeling approach. FIIB Business Review, 8(1), 51-60.
Ramalho, T. B., & Forte, D. (2019). Financial literacy in Brazil – do knowledge and self-confidence relate with behavior? RAUSP Management Journal, 54(1). https://doi.org/10.1108/RAUSP-04-2018-0008
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Rizkiawati, N. L., & Asandimitra, N. (2018). The Influence of Demography, Financial Knowledge, Financial Attitude, Locus of Control and Financial Self-Efficacy on the Financial Management Behavior of the Surabaya Community. Jurnal Ilmu Manajemen (JIM), 6(3).
Rutherford, R., (1993): Statistical Model for Causal Analysis, John Wiley and Sons. Inc, New York.
Robb, C. A., & Woodyard, A. S. (2011). Financial knowledge and best practice behavior. Journal of Financial Counseling and Planning, 22(1).
Sekaran, U., & Bougie, R. (2017). Metode Penelitian Untuk Bisnis_Pendekatan Pengembangan Keahlian (U. & R. B. Sekaran, Ed.; 6th ed.). Salemba Empat.
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Sugiyanto, T., Radianto, W. ED., Efrata, T. C., & Dewi, L. (2019). Financial Literacy, Financial Attitude, and Financial Behavior of Young Pioneering Business Entrepreneurs. https://doi.org/10.2991/icoi-19.2019.60
Sugiyono. (2020). Metode Penelitian Kuantitatif Kualitatif dan R&D (Sutopo, Ed.; 2nd ed.). ALFABETA.
Suryanto. (2017). Pola Perilaku Keuangan Mahasiswa di Perguruan Tinggi. In Jurnal Ilmu Politik dan Komunikasi: Vol. VII (Issue 1).
Syahrullah, M., Busyro, W., Septianingsih, R., & Elsye, M. A. W. (2018). Ekonomi Syari’ah : Konsep dan Aplikasinya (M. A. W. Elsye, Ed.; 1st ed.). CV. Asa Riau.
Tang, N., & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior. Journal of Economic Psychology, 54. https://doi.org/10.1016/j.joep.2016.04.005
Thi, N., Mien, N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Economics, Finance and Social Sciences.
Widi Asih, S., & Khafid, M. (2020). Pengaruh Financial Knowledge, Financial Attitude dan Income terhadap Personal Financial Management Behavior melalui Locus of Control sebagai Variabel Intervening. EEAJ, 9(3).
Yahaya, R., Zainol, Z., Abidin, J. H. O. @ Z., & Ismail, R. (2019). The Effect of Financial Knowledge and Financial Attitudes on Financial Behavior among University Students. International Journal of Academic Research in Business and Social Sciences, 9(8). https://doi.org/10.6007/ijarbss/v9-i8/6205
Amalia Nusron, L., Wahidiyah, M., & Setyo Budiarto, D. (2018). Antecedent Factors of Financial Management Behavior: An Empirical Research Based on Education. KnE Social Sciences, 3(10). https://doi.org/10.18502/kss.v3i10.3146
Amanah, E., Rahadian, D., & Iradianty, A. (2016). Pengaruh Financial Knowledge, Financial Attitude Dan External Locus Of Control Terhadap Personal Financial Management Behavior pada Mahasiswa S1 Universitas Telkom. E-Proceeding of Management, 3(2).
Andanika, A., Echdar, S., & Sjarlis, S. (2020). Analisis Faktor Faktor yang Mempengaruhi Perilaku Pengelolaan Keuangan Pelaku Bisnis Ibu Rumah Tangga di Desa Tawondu Kecamatan Suli Kabupaten Luwu. Jurnal Bisnis & Kewirausahaan, 9(1). https://doi.org/10.37476/jbk.v9i1.872
Atikah, A., & Kurniawan, R. R. (2021). Pengaruh Literasi Keuangan, Locus of Control, dan Financial Self Efficacy Terhadap Perilaku Manajemen Keuangan. JMB: Jurnal Manajemen Dan Bisnis, 10(2). https://doi.org/10.31000/jmb.v10i2.5132
Atkinson, A., M. P. (2012). Measuring financial literacy: Result of the OECD / International Network on Financial Education (INFE) pilot study. OECD working Papers on Finance, Insurance and Private Pensions. OECD Publishing.
Barakah, A., Suitra, P., & Najiha, U. (2018). Etika Konsumsi (Istihlak) Perspektif Filsafat Ekonomi Islam. CENDEKIA: Jurnal Studi Keislaman, 6(1).
Cahyaningrum, B., & Fikri, M. A. (2021). Peran Pemediasi Locus of Control pada Pengaruh Financial Knowledge dan Financial Attitude terhadap Financial Management Behavior. Jurnal Ilmu Manajemen, 9(4). https://doi.org/10.26740/jim.v9n4.p1500-1515
Cera, G., Mlouk, A., Cera, E., & Shumeli, A. (2020). The impact of entrepreneurship education on entrepreneurial intention. A quasi-experimental research design. Journal of Competitiveness, 12(1). https://doi.org/10.7441/joc.2020.01.03
Chin, W. W. (1998). The Partial Least Squares Aproach to Structural Equation. Modeling. Modern Methods for Business Research, 295, 336.
Çoşkun, A., & Dalziel, N. (2020). Mediation effect of financial attitude on financial knowledge and financial behavior. International Journal of Research in Business and Social Science (2147- 4478), 9(2), 01–08. https://doi.org/10.20525/ijrbs.v9i2.647
Dew, Jeffrey and Xiao, Jing Jian, The Financial Management Behavior Scale: Development and Validation (2011). Journal of Financial Counseling and Planning, Vol. 22, No. 1, p. 43, 2011, Available at SSRN: https://ssrn.com/abstract=2061265
Dewanti, V. P., & Asandimitra, N. (2021). Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater. Jurnal Ilmu Manajemen, 9(3). https://doi.org/10.26740/jim.v9n3.p863-875
Dwiastanti, A. (2017). Analysis of financial knowledge and financial attitude on locus of control and financial management behavior. Management and Business Review, 1(1). https://doi.org/10.21067/mbr.v1i1.2043
Humaira, I., & Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian terhadap Perilaku Manajemen Keuangan pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi Dan Manajemen, 7(1). https://doi.org/10.21831/nominal.v7i1.19363
Iman, N., Santoso, A., & Kurniawan, E. (2021). Wakif’s Behavior in Money Waqf: an Approach to Theory of Planned Behavior. 16(1), 12–23. http://journal.umpo.ac.id/index.php/ekuilibrium
Kholilah, N. al, & Iramani, Rr. (2013). Studi Financial Management Behavior pada Masyarakat Surabaya. Journal of Business and Banking, 3(1). https://doi.org/10.14414/jbb.v3i1.255
Lara Ekamia, G., Yusuf, S., & Budiman, N. (2023). Perilaku Ikhlas Alumni Santri Siap Guna Daarut Tauhiid: Fenomenologi. In Syamsu Yusuf L.N. Nandang Budiman (Vol. 3, Issue 1). Online.
Maftuhin, M., & Kusumawardani, D. (2022). Household Saving Behavior on Formal Financial Institutions in Urban and Rural Areas. Ekuilibrium: Jurnal Ilmiah Bidang Ilmu Ekonomi, 17(1). https://doi.org/10.24269/ekuilibrium.v17i1.4169
Moh. Soleh, Moh Irfan Burhani, & Luthfi Atmasari. (2022). Hubungan antara Locus of Control dengan Prokrastinasi Akademik pada Mahasiswa Psikologi IAIN Kediri. Happiness, Journal of Psychology and Islamic Science, 4(2). https://doi.org/10.30762/happiness.v4i2.366
Muhidia, S. C. U. (2019). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Locus of Control terhadap Perilaku Keuangan Mahasiswa Prodi Manajemen Universitas Muhammadiyah Gresik. Manajerial, 5(2). https://doi.org/10.30587/manajerial.v5i2.840
Norris, S. (2023). Personal Role in the Mediation of Entrepreneurship Education on Interest in Entrepreneurship. Jurnal Ilmiah Bidang Ilmu Ekonomi, 18(1), 11–21. http://journal.umpo.ac.id/index.php/ekuilibrium
Nur Baits, A. (2017). Ada Apa dengan Riba? (R. Purwanto, Ed.; 3rd ed.). Pustaka Muamalah Jogja .
Nurazizah, S., & Indrayenti, I. (2022). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Perilaku Manajemen Kuangan Mahasiswa. Jurnal EMA, 7(1). https://doi.org/10.47335/ema.v7i1.112
Pardiansyah, E. (2022). Konsep Riba Dalam Fiqih Muamalah Maliyyah dan Praktiknya Dalam Bisnis Kontemporer. Jurnal Ilmiah Ekonomi Islam, 8(02).
Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Locus of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1). https://doi.org/10.24252/minds.v6i1.9274
Rahmawati, N. W., & Haryono, N. A. (2020). Analisis Faktor yang Memengaruhi Financial Management Behavior dengan Mediasi Locus of Control. In Jurnal Ilmu Manajemen (Vol. 8).
Rai, K., Dua, S., & Yadav, M. (2019). Association of financial attitude, financial behaviour and financial knowledge towards financial literacy: A structural equation modeling approach. FIIB Business Review, 8(1), 51-60.
Ramalho, T. B., & Forte, D. (2019). Financial literacy in Brazil – do knowledge and self-confidence relate with behavior? RAUSP Management Journal, 54(1). https://doi.org/10.1108/RAUSP-04-2018-0008
Riska Agustina, N. (n.d.). Management and Economics Journal The Effect of Financial Knowledge and Financial Attitude on Financial Management Behavior Mediated with Locus of Control. https://doi.org/10.18860/mec-j.v4i3.5300
Rizkiawati, N. L., & Asandimitra, N. (2018). The Influence of Demography, Financial Knowledge, Financial Attitude, Locus of Control and Financial Self-Efficacy on the Financial Management Behavior of the Surabaya Community. Jurnal Ilmu Manajemen (JIM), 6(3).
Rutherford, R., (1993): Statistical Model for Causal Analysis, John Wiley and Sons. Inc, New York.
Robb, C. A., & Woodyard, A. S. (2011). Financial knowledge and best practice behavior. Journal of Financial Counseling and Planning, 22(1).
Sekaran, U., & Bougie, R. (2017). Metode Penelitian Untuk Bisnis_Pendekatan Pengembangan Keahlian (U. & R. B. Sekaran, Ed.; 6th ed.). Salemba Empat.
Safura Azizah, N. (2020). Pengaruh Literasi Keuangan, Gaya Hidup Pada Perilaku Keuangan Pada Generasi Milenial. Prisma (Platform Riset Mahasiswa Akuntansi), 01(02).
Sugiyanto, T., Radianto, W. ED., Efrata, T. C., & Dewi, L. (2019). Financial Literacy, Financial Attitude, and Financial Behavior of Young Pioneering Business Entrepreneurs. https://doi.org/10.2991/icoi-19.2019.60
Sugiyono. (2020). Metode Penelitian Kuantitatif Kualitatif dan R&D (Sutopo, Ed.; 2nd ed.). ALFABETA.
Suryanto. (2017). Pola Perilaku Keuangan Mahasiswa di Perguruan Tinggi. In Jurnal Ilmu Politik dan Komunikasi: Vol. VII (Issue 1).
Syahrullah, M., Busyro, W., Septianingsih, R., & Elsye, M. A. W. (2018). Ekonomi Syari’ah : Konsep dan Aplikasinya (M. A. W. Elsye, Ed.; 1st ed.). CV. Asa Riau.
Tang, N., & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior. Journal of Economic Psychology, 54. https://doi.org/10.1016/j.joep.2016.04.005
Thi, N., Mien, N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Economics, Finance and Social Sciences.
Widi Asih, S., & Khafid, M. (2020). Pengaruh Financial Knowledge, Financial Attitude dan Income terhadap Personal Financial Management Behavior melalui Locus of Control sebagai Variabel Intervening. EEAJ, 9(3).
Yahaya, R., Zainol, Z., Abidin, J. H. O. @ Z., & Ismail, R. (2019). The Effect of Financial Knowledge and Financial Attitudes on Financial Behavior among University Students. International Journal of Academic Research in Business and Social Sciences, 9(8). https://doi.org/10.6007/ijarbss/v9-i8/6205
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Published
2023-09-02
How to Cite
Nisak, S., & Santoso, R. A. (2023). Ability Locus of Control in Mediating Islamic Attitude and Knowledge on Financial Behavior. Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi, 18(2), 120–135. https://doi.org/10.24269/ekuilibrium.v18i2.2023.pp120-135
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