Pengaruh Financial Attitude, Financial Self Efficacy, dan Financial Socialization Agents Terhadap Perilaku Manajemen Keuangan dengan Variabel Financial Literacy Sebagai Variabel Moderator pada Mahasiswa Manajemen Ekstensi Universitas Sumatera Utara

Abstract

This study aims to determine the effect of financial attitude, financial self-efficacy, and financial socialization agents on the financial management behavior of extension management students at the Faculty of Economics and Business (FEB) University of North Sumatra, class of 2020. The population in this study were 96 people and the sampling technique used was saturated sampling, meaning that the entire study population was used as the research sample. The research data was obtained from distributing questionnaires to USU's FEB extension management students. Data analysis techniques using moderation regression analysis absolute difference valuetest. The results of this study indicate that financial attitude has a positive and insignificant effect on financial management behavior. Financial self-efficacy has a positive and significant effect on financial management behavior. Financial socialization agents have a positive and significant effect on financial managementbehavior. Financial literacy negatively and not significantly moderates the effect of financial attitude on financial management behavior. Financial literacy negatively and not significantly moderates the effect of financial self-efficacy on financial management behavior. Financial literacy is positively and significantly able to moderate the effect of financial socialization agents on financial management behavior.