Endah Septina Berlian, Baiq Anggun Hilendri Lestari, Lalu Andika Noviawan

THE INFLUENCE OF FINANCIAL KNOWLEDGE AND FINANCIAL ATTITUDE ON FINANCIAL MANAGEMENT BEHAVIOR OF ACCOUNTING DEPARTMENT STUDENTS FACULTY OF ECONOMICS AND BUSINESS MATARAM UNIVERSITY WITH PERSONALITY AS A MODERATING VARIABLE

Introduction

The influence of financial knowledge and financial attitude on financial management behavior of accounting department students faculty of economics and business mataram university with personality as a moderating variable. Explore how financial knowledge & attitude influence financial management behavior in Mataram University accounting students. Discover key findings on personality's role as a moderating variable.

Abstract

This study aims to determine the effect of financial knowledge and financial attitudes on the financial management behavior of students in the Accounting Department, Faculty of Economics and Business University of Mataram with personality as a moderating variable. Data collection was done by distributing questionnaires to 88 students included in the research sample. The sampling technique used proportional random sampling. The results of the study showed that financial knowledge and financial attitudes had a significant effect on students financial management behavior, both partially and simultaneously. Meanwhile, the results of the moderation regression analysis found that personality could not moderate financial knowledge or financial attitudes towards students' financial management behavior. This study is expected to be a source of reference in managing finances for the community and especially for students in everyday life.

Review

This study addresses a highly pertinent and practical topic concerning the financial management behavior of university students, specifically within the Accounting Department. The clear objective to examine the influence of financial knowledge and attitude, alongside the ambitious inclusion of personality as a moderating variable, demonstrates a thoughtful approach to understanding financial literacy in a critical demographic. Investigating how these factors interact to shape behavior among future financial professionals is particularly valuable, offering a significant contribution to the existing literature on personal finance education and behavioral economics. The research question is well-defined and tackles an issue with direct relevance for both individuals and educational institutions. The methodology employed, involving data collection through questionnaires from 88 students via proportional random sampling, provides a direct approach to address the research objectives. The findings are presented clearly and offer distinct insights: both financial knowledge and financial attitude are shown to significantly influence students' financial management behavior, both partially and simultaneously. This reinforces established understanding in the field. A particularly interesting and perhaps counter-intuitive finding is that personality, as measured in this study, was unable to moderate the effects of either financial knowledge or financial attitude on financial management behavior. This result challenges common assumptions about the pervasive influence of personality traits on financial decision-making and warrants further investigation. While the study offers valuable contributions, potential areas for further exploration and enhancement can be considered. The generalizability of the findings might be somewhat constrained by the sample being drawn from a single department within one university. Future research could benefit from a broader sample across different disciplines or institutions to validate these findings. Additionally, while the abstract indicates personality as a moderating variable, further detail on its measurement instrument would strengthen the interpretation of its non-moderating effect. Despite these considerations, the study provides a solid foundation for understanding student financial behavior, offering practical implications for designing targeted financial education programs and guiding students towards more effective financial management in their daily lives.

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