The Influence of Financial Attitude and Financial Knowledge on Saving Interest (Case Study on Students of Brigjend Katamso I Vocational High School Medan)
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Nov 9, 2021
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Financial Attitude, Financial Knowledge, and Saving Interest
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Computer Science
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Abstract
The research analysis aims to determine whether financial Attitude and Financial Knowledge partially and simultaneously affect the Interest in Saving (Case Study on Students of SMK Brigjend Katamso I Medan). The data analysis technique that are being used is the associative method with the help of the SPSS version 16.0 program. This study used multiple linear regression analysis. The sample in this study were 62 respondents. The primary data collection was using a questionnaire. The results showed that financial attitude had a positive and significant effect on interest in saving at SMK Brigjend Katamso I Medan. Financial Knowledge has a positive and significant effect on the interest in saving at SMK Brigjend Katamso I Medan. Financial Attitude and Financial Knowledge have a positive and significant effect on the interest in saving at Brigjend Katamso I Vocational High School Medan.
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Ningsi, E. H. and Lambok Manurung (2021) “The Influence of Financial Attitude and Financial Knowledge on Saving Interest (Case Study on Students of Brigjend Katamso I Vocational High School Medan)”, Jurnal Mantik, 5(3), pp. 1873-1882. Available at: https://iocscience.org/ejournal/index.php/mantik/article/view/1769 (Accessed: 11May2026).
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[26] Ratna, I. M. (2018). Analisis Faktor-faktor yang Mempengaruhi Kondisi Financial Distress yada Perusahaan yang Delisting dari Jakarta Islamic Index Tahun 2012-2016. Jurnal Tabarru’: Islamic Banking and Finance, 1(1).
[27] Robb, C. A., & Woodyard, A. S. (2011). Ej941903. Financial Knowledge and Best Practice Behavior, (205), 60–70.
[28] Rusiadi, D. R., & Hidayat, N. (2014). “Metode Penelitian Manajemen, Akuntansi dan Ekonomi Pembangunan, Konsep, Kasus dan Aplikasi SPSS, Eviews, Amos dan Lisrel.”
[29] Sardiana, A. (2018). Preferensi penggunaan jasa keuangan bank Syariah berdasarkan literasi keuangan Syariah. Prosiding Seminar Nasional Hasil Penelitian, 1–11.
[30] Servon, L. J., & Kaestner, R. (2008). Consumer financial literacy and the impact of online banking on the financial behavior of lower-income bank customers. Journal of Consumer Affairs, 42(2), 271–305. https://doi.org/10.1111/j.1745-6606.2008.00108.x
[31] Shalih, R. A., & Kusumawati, F. (2016). Prediction of Financial Distress in Manufacturing Industry of Pakistan. 2(5), 102–121.
[32] Shih, T. Y., & Ke, S. C. (2014). Determinates of financial behavior: insights into consumer money attitudes and financial literacy. Service Business, 8(2), 217–238.
[33] Shyue Chuan, C., Chee Seong, L., & Bik Kai, S. (2013). Assessing elderly financial satisfaction: evidence from urban Malaysians. International Journal of Academic Research, 5(3), 82–86. https://doi.org/10.7813/2075-4124.2013/5-3/b.14
[34] Slameto. (2019). Belajar dan Faktor-faktor yang Mempengaruhinya. Bina Aksara.
[35] Sugiyono, P. (2015). “Metode penelitian kombinasi (mixed methods).” Bandung: Alfabeta.
[36] Sukirno, S. (2017). Pengantar bisnis. Prenada Media.rovv
[37] Susie, S., & Ramadhan, S. (2017). ANALISIS LITERASI KEUANGAN PADA PELAKU USAHA MIKRO DI KOTA PEKANBARU. Journal of Economic, Business and Accounting (COSTING), 1(1), 12–22.
[38] Syahriyal, S. (2019). Pengaruh Persepsi Nilai Dan Pengetahuan Masyarakat Terhadap Minat Menabung Serta Dampaknnya Kepada Keputusan Menabung Pada Perbankan Syariah Di Banda Aceh. Jurnal Perspektif Ekonomi Darussalam, 4(1), 139–156. https://doi.org/10.24815/jped.v4i1.10930
[39] Thung, C. M., Kai, C. Y., Nie, F. S., Chiun, L. W., & Tsen, T. C. (2012). Determinants of saving behaviour among the university students in Malaysia. Final Year Project, UTAR. Available online at: http://eprints. utar. edu. my/607/1/AC-2011-0907445. pdf.
[40] Utami, D. S., & Sirine, H. (2016). Faktor-Faktor Yang Memengaruhi Perilaku Menabung Di Kalangan Mahasiswa. Jurnal Ekonomi Dan Bisnis, 19(1), 27–52.
[41] Wahana, A. (2014). Analisis Faktor-Faktor Yang Mempengaruhi Perilaku Mahasiswa Dalam Menabung ( Studi Kasus Mahasiswa S1 Feb Undip Tembalang ). In skripsi, Universitas Diponegoro.
[42] Wulandari, H. L. (2015). Pengaruh Love Of Money, Pendidikan Keuangan di Keluarga, Hasil Belajar Manajemen Keuangan, dan Teman Sebaya Terhadap Manajemen Keuangan. Jurnal Pendidikan Akuntansi.
[43] Yasid, M. (2019). Perilaku Menabung Ibu Rumah Tangga Keluarga mustahik’’Peserta Program Ikhtiar Lembaga Keuangan Mikro Syariah Berbasis Kelompok di Bogor, Jawa Barat. Islamic Financial & Business Review, 4(1).
[44] Zaimah, R., Sarmila, M. S., Lyndon, N., Azima, A. M., Selvadurai, S., Saad, S., & Er, A. C. (2013). Financial behaviors of female teachers in Malaysia. Asian Social Science, 9(8), 34.
[2] Amelia, Y. (2018). Effect of financial literacy for performance and sustainability small and medium enterprises in lampung province indonesia.
[3] Andrew, V., & Linawati, N. (2014). Hubungan faktor demografi dan pengetahuan keuangan dengan perilaku keuangan karyawan swasta di Surabaya. Finesta, 2(2), 35-39.
[4] Crow, L. D., & Crow, A. V. B. (2015). Human development and learning. American Book Company.
[5] Djojosoedarso, S. (2013). Prinsip-prinsip manajemen dan Asuransi,. salemba empat.
[6] Erik, K. (2019). The Psychology of Saving: A Study on Economic Psychology. E. Elgar.
[7[ Gadinasyin, V. P. (2013). FAKTOR-FAKTOR YANG MEMPENGARUHI PERILAKU MENABUNG: Studi pada Kalangan Mahasiswa Fakultas Pendidikan Ekonomi dan Bisnis Universitas Pendidikan Indonesia (Doctoral dissertation,. Universitas Pendidikan Indonesia.
[8] Ghozali, I., & Nasehudin., T. S. (2012). “Metode Penelitian Kuantitatif.” Bandung: Pustaka Setia.
[9] Hamka, H., Jupri, M., & Budiono, R. (2020). The Influence of Financial Literacy on Interest in Investing for the Academic Community of Akademi Keuangan & Bisnis Indonesia Internasional (AKBII), Bandung, Indonesia. International. Journal of Business, Economics, and Social Development, 1(1), 1–12.
[10] Hayat, A. (2016). Impact of Behavioral Biases on Investment Decision; Moderating Role of Financial Literacy. SSRN Electronic Journal, 1–14. https://doi.org/10.2139/ssrn.2842502
[11] Herdjiono, I., & Damanik, L. A. (2016). Pengaruh financial attitude, financial knowledge, parental income terhadap financial management behavior. Jurnal Manajemen Teori Dan Terapan| Journal of Theory and Applied Management, 9(3), 226–241.
[12] Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2016). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull, 89-309.
[13] Icek, A. (2015). The Theory of Planned Behavior Organizational Behavior and Human Decision Processes. Organizational Behavior and Human Decision Processes, 50(2), 179–211.
[14] Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255
[15] Kotler, P., & Keller, K. L. (2015). Financial management,. global edition.
[16] Koto, M., & Ardiana, A. (2018). Questioning Financial Education System in Indonesia: an Analysis of Students’ Personal Financial Literacy. (2014), 644–651. https://doi.org/10.31227/osf.io/zgryx
[17] Lim, J. H., Dehning, B., Richardson, V. J., & Smith, R. E. (2013). A meta- analysis of the effects of IT investment on firm financial performance. Journal of Information Systems, 25(2), 145-169.
[18] Manullang, M., & Pakpahan., M. (2013). “Manajemen Pemasaran Dalam Kompetisi Global.” Medan: Cipta Rancana Media Pakpahan.
[19] Mappiare, A. (2011). Pengantar Konseling dan Psikoterapi, Edisi Kedua. Jakarta: PT Raja Grafindo Persada.
[20] Marsh, B. A. (2016). Examining the personal finance attitudes, behaviors, and knowledge levels of first-year and senior students at Baptist universities in the state of Texas (Doctoral dissertation,. Bowling Green State University.
[21] Mien, N. T. N., & Thao, T. P. (2015). Factors affecting personal financial management behaviors: Evidence from Vietnam. In Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference), 10–12.
[22] Nababan, D., & Sadalia, I. (2012). Analisis Personal Financial Literacy dan Financial Behaviour Mahasiswa S-1 Fakultas Ekonomi Universitas Sumatera Utara.
[23] Ningsih, R. U., & Rita, M. R. (2015). Financial Attitude dan Komunikasi Keluarga Pengeluaran Uang Saku: Ditinjau Dari Perbedaan Gender.
[24] Pangestika, T., & Rusliati, E. (2019). Literasi Dan Efikasi Keuangan Terhadap Minat Mahasiswa Berinvestasi Di Pasar Modal. Jurnal Riset Bisnis Dan Manajemen, 12(1), 37. https://doi.org/10.23969/jrbm.v12i1.1524
[25] Pankow, D. (2013). Financial values, attitudes and goals.
[26] Ratna, I. M. (2018). Analisis Faktor-faktor yang Mempengaruhi Kondisi Financial Distress yada Perusahaan yang Delisting dari Jakarta Islamic Index Tahun 2012-2016. Jurnal Tabarru’: Islamic Banking and Finance, 1(1).
[27] Robb, C. A., & Woodyard, A. S. (2011). Ej941903. Financial Knowledge and Best Practice Behavior, (205), 60–70.
[28] Rusiadi, D. R., & Hidayat, N. (2014). “Metode Penelitian Manajemen, Akuntansi dan Ekonomi Pembangunan, Konsep, Kasus dan Aplikasi SPSS, Eviews, Amos dan Lisrel.”
[29] Sardiana, A. (2018). Preferensi penggunaan jasa keuangan bank Syariah berdasarkan literasi keuangan Syariah. Prosiding Seminar Nasional Hasil Penelitian, 1–11.
[30] Servon, L. J., & Kaestner, R. (2008). Consumer financial literacy and the impact of online banking on the financial behavior of lower-income bank customers. Journal of Consumer Affairs, 42(2), 271–305. https://doi.org/10.1111/j.1745-6606.2008.00108.x
[31] Shalih, R. A., & Kusumawati, F. (2016). Prediction of Financial Distress in Manufacturing Industry of Pakistan. 2(5), 102–121.
[32] Shih, T. Y., & Ke, S. C. (2014). Determinates of financial behavior: insights into consumer money attitudes and financial literacy. Service Business, 8(2), 217–238.
[33] Shyue Chuan, C., Chee Seong, L., & Bik Kai, S. (2013). Assessing elderly financial satisfaction: evidence from urban Malaysians. International Journal of Academic Research, 5(3), 82–86. https://doi.org/10.7813/2075-4124.2013/5-3/b.14
[34] Slameto. (2019). Belajar dan Faktor-faktor yang Mempengaruhinya. Bina Aksara.
[35] Sugiyono, P. (2015). “Metode penelitian kombinasi (mixed methods).” Bandung: Alfabeta.
[36] Sukirno, S. (2017). Pengantar bisnis. Prenada Media.rovv
[37] Susie, S., & Ramadhan, S. (2017). ANALISIS LITERASI KEUANGAN PADA PELAKU USAHA MIKRO DI KOTA PEKANBARU. Journal of Economic, Business and Accounting (COSTING), 1(1), 12–22.
[38] Syahriyal, S. (2019). Pengaruh Persepsi Nilai Dan Pengetahuan Masyarakat Terhadap Minat Menabung Serta Dampaknnya Kepada Keputusan Menabung Pada Perbankan Syariah Di Banda Aceh. Jurnal Perspektif Ekonomi Darussalam, 4(1), 139–156. https://doi.org/10.24815/jped.v4i1.10930
[39] Thung, C. M., Kai, C. Y., Nie, F. S., Chiun, L. W., & Tsen, T. C. (2012). Determinants of saving behaviour among the university students in Malaysia. Final Year Project, UTAR. Available online at: http://eprints. utar. edu. my/607/1/AC-2011-0907445. pdf.
[40] Utami, D. S., & Sirine, H. (2016). Faktor-Faktor Yang Memengaruhi Perilaku Menabung Di Kalangan Mahasiswa. Jurnal Ekonomi Dan Bisnis, 19(1), 27–52.
[41] Wahana, A. (2014). Analisis Faktor-Faktor Yang Mempengaruhi Perilaku Mahasiswa Dalam Menabung ( Studi Kasus Mahasiswa S1 Feb Undip Tembalang ). In skripsi, Universitas Diponegoro.
[42] Wulandari, H. L. (2015). Pengaruh Love Of Money, Pendidikan Keuangan di Keluarga, Hasil Belajar Manajemen Keuangan, dan Teman Sebaya Terhadap Manajemen Keuangan. Jurnal Pendidikan Akuntansi.
[43] Yasid, M. (2019). Perilaku Menabung Ibu Rumah Tangga Keluarga mustahik’’Peserta Program Ikhtiar Lembaga Keuangan Mikro Syariah Berbasis Kelompok di Bogor, Jawa Barat. Islamic Financial & Business Review, 4(1).
[44] Zaimah, R., Sarmila, M. S., Lyndon, N., Azima, A. M., Selvadurai, S., Saad, S., & Er, A. C. (2013). Financial behaviors of female teachers in Malaysia. Asian Social Science, 9(8), 34.
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