Pengaruh niat berperilaku, kecerdasan spiritual dan literasi keuangan terhadap pengelolaan keuangan keluarga

Tomi Arganata, Lutfi Lutfi

Abstract


Family financial managemenet is very important in fostering the family economy. This study aims to examine the effect of behavioral intentions, spiritual intelligence, and financial literacy on family financial management. It used the sample consisting of 179 financial managers of the family as the correspondents. The data were collected by questionnaires using a purposive sampling technique and convenience sampling technique. The data were analysed using Multiple Regression Analysis (MRA). The results indicate that behavioral intention and spiritual intelligence have a significant positive effect on family financial management, while financial literacy have positive but not significant impact on family financial management. The implication of this study are that family financial managers need to better internalize their religious guidelines and strengthen intentions to behave in the form of establishing financial behavior targets so that they can better realize wise and responsible financial management.


Keywords


Behavioral Intention, Spiritual Intelligence, Financial Literacy and Family Financial Management.

Full Text:

PDF

References


Ajzen, I. (1991). The theory of planned behavior. Organizational behavior and human decision processes, 50(2), 179-211.

Atkinson, A., & Messy, F.-A. (2012). Measuring financial literacy. OECD Working Papers on Finance, Insurance and Private Pensions No. 15.

Azzet, A. M. (2010). Cara Agar Rezeki Semakin Bertambah dan Barakah: Yogyakarta: Diva Press.

Baron, R. A., Byrne, D., & Watson, G. (2001). Exploring social psychology: Allyn & Bacon.

Behrman, J. R., Mitchell, O. S., Soo, C. K., & Bravo, D. (2012). How financial literacy affects household wealth accumulation. American Economic Review, 102(3), 300-304.

Britt, S. L., & Mentzer, J. (2011). Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory. Journal Of Financial Therapy, 2(2).

Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial services review, 7(2), 107-128.

Disney, R., & Gathergood, J. (2011). Financial literacy and indebtedness: new evidence for UK consumers. The University of Nottingham, 11-05.

Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.

Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296-316.

Jonubi, A., & Abad, S. (2013). The impact of financial literacy on individual saving: an exploratory study in the Malaysian context. Transformations in Business & Economics, 12(1), 28.

Lusardi, A. (2008). Household saving behavior: The role of financial literacy, information, and financial education programs: National Bureau of Economic Research.

Lusardi, A., & Mitchell, O. S. (2011). Financial literacy and retirement planning in the United States. Journal of Pension Economics & Finance, 10(4), 509-525.

Lusardi, A., & Mitchelli, O. S. (2007). Financial literacy and retirement preparedness: Evidence and implications for financial education. Business economics, 42(1), 35-44.

Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics & Finance, 14(4), 332-368.

Malik, M. S., & Tariq, S. (2016). Impact of spiritual intelligence on organizational performance. International Review of Management and Marketing, 6(2), 289-297.

Marshall, I., & Zohar, D. (2007). SQ: Memanfaatkan Kecerdasan Spiritual dalam Berfikir Integralistik dan Holistik untuk Memaknai Kehidupan: Bandung: Mizan.

OECD. (2012). OECD/INFE High-level Principles on National Strategies for Financial Education.

OJK. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017.

Perry, V. G., & Morris, M. D. (2005). Who is in control? The role of self‐perception, knowledge, and income in explaining consumer financial Behavior. Journal of Consumer Affairs, 39(2), 299-313.

Pham, T. H., Yap, K., & Dowling, N. A. (2012). The impact of financial management practices and financial attitudes on the relationship between materialism and compulsive buying. Journal of Economic Psychology, 33(3), 461-470.

Purniawati, R. T., & Lutfi, L. (2017). Literasi keuangan dan pengelolaan keuangan keluarga dalam perspektif budaya Jawa dan Bugis. Journal of Business & Banking, 7(1).

Rego, A., & Pina e Cunha, M. (2008). Workplace spirituality and organizational commitment: an empirical study. Journal of organizational change management, 21(1), 53-75.

Robb, C. A., & Woodyard, A. S. (2011). Financial Knowledge and Best Practice Behavior. Journal of Financial Counseling and Planning, 22(1), 60-70.

Sekaran, U., & Bougie, R. (2016). Research methods for business: A skill building approach: John Wiley & Sons.

Sina, P. G. (2012). Analisis literasi ekonomi. Jurnal Economia, 8(2), 135-143.

Sina, P. G., & Noya, A. (2012). Pengaruh Kecerdasan Spiritual Terhadap Pengelolaan Keuangan Pribadi. Jurnal Manajemen Maranatha, 11(2), 171-188.

Supriyanto, A. S., & Troena, E. A. (2012). Pengaruh Kecerdasan Emosional dan Kecerdasan Spiritual terhadap Kepemimpinan Transformasional, Kepuasan Kerja dan Kinerja Manajer (Studi di Bank Syari’ah Kota Malang)‘. Jurnal Aplikasi Manajemen, 10(4), 693-617.

Tjahjono, H. K., & Ardi, H. (2008). Kajian niat mahasiswa manajemen Universitas Muhammadiyah Yogyakarta untuk menjadi wirausaha.

Triana, N., Nurhasanah, N., & Senjiati, I. H. (2016). Pengaruh Tingkat Religiusitas dan Disposible Income Mahasiswa Fakultas Syari’ah Unisba Terhadap Minat Menabung di Bank BRI Syari’ah Kantor Kas Unisba. Prosiding Hukum Ekonomi Syariah, 529-534.

Wahyuni, S. (2012). Moslem community behavior in the conduct of Islamic bank: the moderation role of knowledge and pricing. Procedia-Social and Behavioral Sciences, 57, 290-298.

Xiao, J. J., Tang, C., Serido, J., & Shim, S. (2011). Antecedents and consequences of risky credit behavior among college students: Application and extension of the theory of planned behavior. Journal of Public Policy & Marketing, 30(2), 239-245.




DOI: http://dx.doi.org/10.14414/jbb.v9i1.1555

Refbacks

  • There are currently no refbacks.


Abstracting & Indexing

    

 

This work is licensed under a Creative Commons Attribution 4.0 International License.