PENGARUH FINANCIAL SOCIALIZATION DAN FINANCIAL EXPERIENCE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR

Abstract

The purpose of this study was to determine the financial management behavior of employed women in Bandung. This research uses a quantitative method and a Likert scale for measurement scale.  The sample of this study was 400 respondents who are employed women in Kota Bandung were selected using incidental sampling techniques. The independent variable consists of financial socialization and financial experience, while the dependent variable is financial management behavior. The data analysis technique in this research is Structural Equation Modeling-Partial Least Square (SEM-PLS) using SmartPLS software. The results of financial socialization on financial management behavior has a tstatistics value of 25.220> ttabel value of 1.96 means that the financial socialization variable has a positive and significant effect on financial management behavior, then the financial experience on financial management behavior has a tstatistics value of 1.641 < ttabel value of 1.96 means that the financial experience does not have a positive and significant effect on the financial management behavior variable.   Keywords: Financial Socialization, Financial Experience, Financial Management Behavior   ABSTRAK Penelitian ini bertujuan untuk mengetahui financial management behavior dari Wanita Bekerja di Kota Bandung. Penelitian ini menggunakan metode kuantitatif dan skala likert sebagai skala pengukuran. Sampel yang digunakan dalam penelitian ini sebanyak 400 responden yang merupakan Wanita Bekerja di Kota Bandung yang dipilih menggunakan teknik incidental sampling. Variabel independen terdiri dari financial socialization dan financial experience, sedangkan variabel dependen adalah financial management behavior. Penelitian ini menggunakan teknik analisis data Structural Equation Modeling- Partial Least Square (SEM-PLS) menggunakan software SmartPLS. Hasil penelitian menunjukkan financial socialization terhadap financial management behavior memiliki nilai memiliki pengaruh positif dan signifikan terhadap financial management behavior dengan tstatistik sebesar 25,220> nilai ttabel sebesar 1.96, kemudian variabel financial experience tidak berpengaruh positif dan signifikan terhadap financial management behavior dengan nilai tstatistik sebesar 1,641< nilai ttabel   sebesar 1.96. Kata Kunci: Financial Socialization, Financial Experience, Financial Management Behavior