Pengaruh Financial Knowledge, Financial Experience, Dan Financial Self-Efficacy Terhadap Financial Behavior
DOI:
https://doi.org/10.21776/jmrk.2024.03.1.04Keywords:
Financial Knowledge, Financial Experience, Financial Self-Efficacy, Financial BehaviorAbstract
The objective of this research is to identify and understand the influence of financial knowledge, financial experience, and financial self-efficacy on financial behavior. The population of this quantitative replication study is Shopee PayLater users in Malang City. Referring to Hair et al. (2010), the sample number of this research is ten times the number of its indicators. Because this research uses eleven indicators, 110 people were involved as the sample, selected using a purposive sampling technique. The research data was harvested from 5-point Likert scale questionnaires and was analyzed using PLS-SEM in SmartPLS 3.3.3. This research finds that financial knowledge, financial experience, and financial self-efficacy have a significant effect on the financial behavior of Shopee PayLater users. This indicates that they understand the policies and procedures for calculating interest or additional fees charged by Shopee PayLater. This understanding indirectly makes them more careful in using this service. In addition, users who have experience in using alternative financial services, such as consumer credit services, tend to have a better understanding about how such services work and what their financial impact is. Furthermore, Shopee PayLater users who have good financial self-efficacy are also more aware of the financial consequences of their decisions. This awareness leads them to better financial management.
Abstrak
Penelitian ini betujuan untuk mengetahui dan memahami pengaruh financial knowledge; financial experience; financial self-efficacy terhadap Financial Behavior. Kategori penelitian yang digunakan dalam penelitian ini merupakan penelitian kuantitatif dengan sifat penelitian replikasi. Jumlah sampel yang digunakan dalam penelitian ini sebanyak 110 (11 indikator dikali faktor pengali 10). Tehnik pengambilan sampel penelitian menggunakan purposive sampling, dengan kuisoner skala likert 1-5 sebagai metode pengambilan data. Tehnik analisis data yang digunakan yaitu PLS-SEM yang dibantu dengan software SmartPLS 3.3.3. Hasil penelitian ini menjelaskan bahwa financial knowledge, financial experience, dan financial self-efficacy berpengaruh secara signifikan pada financial behavior dari pengguna Shopee PayLater. Hasil ini mengindikasin bahwa pengguna Shopee PayLater dalam penelitian ini memamahi kebijakan dan prosedur perhitungan bunga atau biaya tambahan dari Shopee PayLater, sehingga secara tidak langsung dapat pengarahkan pada perilaku pengguna Shopee untuk lebih berhati-hati dalam menggunakan layanan tersebut. Tidak hanya itu, individu yang memiliki pengalaman dalam menggunakan layanan keuangan alternatif, seperti layanan kredit konsumen cenderung memiliki pemahaman yang lebih baik tentang bagaimana cara kerja layanan tersebut dan dampak keuangan dari penggunaannya. Lebih jauh, pengguna Shopee PayLater yang memiliki financial self-efficacy yang baik juga akan lebih sadar akan konsekuensi keuangan dari setiap keputusan, sehingga hal tersebut mengarahkan pada perilaku individu dalam manajemen keuangan yang lebih baik.
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