Date Log
Submitted
9 July 2019
Accepted
24 October 2019
Published
24 October 2019
Determinants of Financial Management Behavior of Millennial Generation in Surabaya
Corresponding Author(s) : Aditya Yanuar Ramadhan
Jurnal Minds: Manajemen Ide dan Inspirasi,
Vol. 6 No. 2 (2019): December
Abstract
The habit of millennial generations in Surabaya in conducting online shopping activities can influence their financial management behavior. This study aims to investigate the factors that can affect financial management behavior with a sample of 184 millennial generations in Surabaya using multiple linear regressions. The findings demonstrated that financial attitude, financial knowledge, and secondary agents had a positive effect on financial management behavior. Whereas locus of control, childhood consumer experience, and primary agent did not affect on financial management behavior. Millennial generations in Surabaya have financial attitudes and knowledge, while also supported by adequate digital and internet literation.
Keywords
Financial Attitude
Financial Knowledge
Financial Management Behavior
Millennial Generations
The Socialization Agent
Ramadhan, A. Y., & Asandimitra, N. (2019). Determinants of Financial Management Behavior of Millennial Generation in Surabaya. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(2), 129–144. https://doi.org/10.24252/minds.v6i2.9506
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References
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Ajzen, I. (1991). The Theory of Planned Behavior. ORGANIZATIONAL BEHAVIOR AND HUMAN DECISION PROCESSES, 50(2), 179–211.
Ajzen, I. (2005). Attitude, Personality, and Behavior (2nd ed.). New York: Open University Press.
Akben-selcuk, E. (2015). Factors Influencing College Students ’ Financial Behaviors in Turkey : Evidence from a National Survey. International Journal of Economics and Finance, 7(6), 87–94. https://doi.org/10.5539/ijef.v7n6p87
Al Kholilah, N., & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69–80.
Ali, H., & Purwandi, L. (2017). The Urban Middle-Class Millennials Indonesia: Financial and Online Behaviour.
Amanah, E., Rahadian, D., & Iradianty, A. (2016). Pengaruh Financial Knowledge, Financial Attitude Dan External Locus of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom. E-Proceeding of Management, 3(2), 1228–1235. https://doi.org/ISSN 2355-9357
Britt, S., Cumbie, J., & Bell, M. (2011). The Influence Of Locus Of Control. College Student Journal, 47(1), 178–185.
Cho, S. H., Kim, J., & Mauldin, T. (2012). The Effect of Socialization and Information Source on Financial Management Behaviors among Low- and Moderate-Income Adults. Family & Consumer Sciences Research Journal, 40(4), 417–430. https://doi.org/10.1111/j.1552-3934.2012.02120.x
CNN Indonesia. (2018). Alasan Generasi Millenial Lebih Konsumtif. Retrieved November 22, 2018, from https://www.cnnindonesia.com/gaya-hidup/20180418215055-282-291845/alasan-generasi-milenial-lebih-konsumtif
Dew, J., & Xiao, J. (2011). The Financial Management Behavior Scale : Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–60. https://doi.org/10.5829/idosi.mejsr.2012.12.10.79
Falahati, L., & Paim, L. H. (2011). Toward a framework of determinants of financial management and financial problems among university students. African Journal of Business Management, 5(22), 9600–9606.
Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment a Model of Financial Satisfaction Predictors : Examining the Mediate Effect of Financial Behaviour and Financial Strain. World Applied Sciences Journal, 20(2), 190–197. https://doi.org/10.5829/idosi.wasj.2012.20.02.1832
Ferdinand, A. (2006). Metode Penelitian Manajemen: Pedoman Penelitian Skripsi, Tesis, dan Disertai Ilmu Manajemen. Semarang: Universitas Diponegoro.
Hair, J. F., Black, C., Babin, & Anderson. (2014). Multivariate Data Analysis (7th ed.). Pearson Prentice Hall.
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan, 9(3), 226–241.
Humaira, I., & Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Jurnal Nominal, VII(1).
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Jamal, A. A. A., Ramlan, W. K., Karim, M. A., Mohidin, R., & Osman, Z. (2015). The Effects of Social Influence and Financial Literacy on Savings Behavior : A Study on Students of Higher Learning Institutions in Kota Kinabalu, Sabah. International Journal of Business and Social Science, 6(11), 110–119.
Jorgensen, B. L., Rappleyea, D. L., Schweichler, J. T., Fang, X., & Moran, M. E. (2016). The Financial Behavior of Emerging Adults: A Family Financial Socialization Approach. Journal of Family and Economic Issues, 38(1), 57–69. https://doi.org/10.1007/s10834-015-9481-0
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69–80.
Kim, J., & Chatterjee, S. (2013). Childhood Financial Socialization and Young Adults ’ Financial Management. Journal of Financial Counseling and Planning, 24(1), 61–79. https://doi.org/10.2307/2061715
Marsh, B. A. (2006). Examining the Personal Finance attitudes, behaviors, and knowledge levels of first-year and senior students at Baptist Universities in the State of Texas, (October).
Noble, S. M., & Schewe, C. D. (2003). Cohort segmentation: An exploration of its validity. Journal of Business Research, 56(12), 979–987. https://doi.org/10.1016/S0148-2963(02)00268-0
Novianti, S., Tanjung, A. R., & Darlis, E. (2016). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Ekonomi, 24(September), 141–152.
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh demografi, financial knowledge, financial attitude, locus of control dan financial self-efficacy terhadap financial management behavior masyarakat surabaya. Jurnal Ilmu Manajemen, 6(2010).
Robbins, S. P., & Timothy, A. J. (2008). Perilaku Organisasi (12th ed.). Jakarta: Salemba Empat.
Rotter, J. B. (1966). Generalized Expectancies for Internal Versus External Control Of Reinforcement. Psychological Monographs: General and Applied, 80(1). https://doi.org/10.1037/h0092976
Sabri, M. F., & Macdonald, M. (2010). Savings Behavior and Financial Problems Among College Students : The Role of Financial Literacy in Malaysia, 6(3), 103–110.
Sabri, M. F., Macdonald, M., Hira, T. K., & Masud, J. (2010). Childhood Consumer Experience and the Financial Literacy of College Students in Malaysia. Family & Consumer Sciences Research Journal, 38(4), 455–467. https://doi.org/10.1111/j.1552-3934.2010.00038.x
Sugianto, F. (2018). Indonesian Online Shopping Behavior.pdf. Retrieved from https://snapcart.global/indonesian-e-commerce-shopping-behavior/
Sundarasen, S. D. D., Rahman, M. S., & Danaraj, J. (2016). Impact of Financial Literacy, Financial Socialization Agents, and Parental Norms on Money Management. Journal of Business Studies Quarterly, 8(April 2017).
Thi, N., Mien, N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors : Evidence from Vietnam. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance, and Social Sciences, 10–12.
Van Horne, J. C., & Wachowicz, J. M. (2006). Fundamentals of Financial management. Professional Housing Management Practices in Hong Kong (13th ed.). England: Pearson Education Limited.
Widyaningrum, S., & Kurniawati, S. L. (2018). Pengaruh Sikap Keuangan, Pengetahuan Keuangan Dan Pengalaman Keuangan Terhadap Perilaku Pengelolaan Keuangan Keluarga Di Sidoarjo. STIE Perbanas, (45), 39.
Winata, J., & Memarista, G. (2015). Faktor-Faktor yang Mempengaruhi Financial Satisfaction pada Mahasiswa Universitas Kristen Petra. Finesta, 3(2), 1–6.
Yap, R., Komalasari, F., & Hadiansah, I. (2016). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. International Journal of Administrative Science & Organization, 23(3).
Zakaria, R. H., Ismawati, N., Jaafar, M., Marican, S., Economics, F., & Lumpur, K. (2012). Financial Behavior and Financial Position : A Structural Equation Modelling Approach. Middle-East Journal of Scientific Research, 12(10), 1396–1402. https://doi.org/10.5829/idosi.mejsr.2012.12.10.79
References
Ajzen, I. (1991). The Theory of Planned Behavior. ORGANIZATIONAL BEHAVIOR AND HUMAN DECISION PROCESSES, 50(2), 179–211.
Ajzen, I. (2005). Attitude, Personality, and Behavior (2nd ed.). New York: Open University Press.
Akben-selcuk, E. (2015). Factors Influencing College Students ’ Financial Behaviors in Turkey : Evidence from a National Survey. International Journal of Economics and Finance, 7(6), 87–94. https://doi.org/10.5539/ijef.v7n6p87
Al Kholilah, N., & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69–80.
Ali, H., & Purwandi, L. (2017). The Urban Middle-Class Millennials Indonesia: Financial and Online Behaviour.
Amanah, E., Rahadian, D., & Iradianty, A. (2016). Pengaruh Financial Knowledge, Financial Attitude Dan External Locus of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom. E-Proceeding of Management, 3(2), 1228–1235. https://doi.org/ISSN 2355-9357
Britt, S., Cumbie, J., & Bell, M. (2011). The Influence Of Locus Of Control. College Student Journal, 47(1), 178–185.
Cho, S. H., Kim, J., & Mauldin, T. (2012). The Effect of Socialization and Information Source on Financial Management Behaviors among Low- and Moderate-Income Adults. Family & Consumer Sciences Research Journal, 40(4), 417–430. https://doi.org/10.1111/j.1552-3934.2012.02120.x
CNN Indonesia. (2018). Alasan Generasi Millenial Lebih Konsumtif. Retrieved November 22, 2018, from https://www.cnnindonesia.com/gaya-hidup/20180418215055-282-291845/alasan-generasi-milenial-lebih-konsumtif
Dew, J., & Xiao, J. (2011). The Financial Management Behavior Scale : Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–60. https://doi.org/10.5829/idosi.mejsr.2012.12.10.79
Falahati, L., & Paim, L. H. (2011). Toward a framework of determinants of financial management and financial problems among university students. African Journal of Business Management, 5(22), 9600–9606.
Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment a Model of Financial Satisfaction Predictors : Examining the Mediate Effect of Financial Behaviour and Financial Strain. World Applied Sciences Journal, 20(2), 190–197. https://doi.org/10.5829/idosi.wasj.2012.20.02.1832
Ferdinand, A. (2006). Metode Penelitian Manajemen: Pedoman Penelitian Skripsi, Tesis, dan Disertai Ilmu Manajemen. Semarang: Universitas Diponegoro.
Hair, J. F., Black, C., Babin, & Anderson. (2014). Multivariate Data Analysis (7th ed.). Pearson Prentice Hall.
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan, 9(3), 226–241.
Humaira, I., & Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Jurnal Nominal, VII(1).
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Jamal, A. A. A., Ramlan, W. K., Karim, M. A., Mohidin, R., & Osman, Z. (2015). The Effects of Social Influence and Financial Literacy on Savings Behavior : A Study on Students of Higher Learning Institutions in Kota Kinabalu, Sabah. International Journal of Business and Social Science, 6(11), 110–119.
Jorgensen, B. L., Rappleyea, D. L., Schweichler, J. T., Fang, X., & Moran, M. E. (2016). The Financial Behavior of Emerging Adults: A Family Financial Socialization Approach. Journal of Family and Economic Issues, 38(1), 57–69. https://doi.org/10.1007/s10834-015-9481-0
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69–80.
Kim, J., & Chatterjee, S. (2013). Childhood Financial Socialization and Young Adults ’ Financial Management. Journal of Financial Counseling and Planning, 24(1), 61–79. https://doi.org/10.2307/2061715
Marsh, B. A. (2006). Examining the Personal Finance attitudes, behaviors, and knowledge levels of first-year and senior students at Baptist Universities in the State of Texas, (October).
Noble, S. M., & Schewe, C. D. (2003). Cohort segmentation: An exploration of its validity. Journal of Business Research, 56(12), 979–987. https://doi.org/10.1016/S0148-2963(02)00268-0
Novianti, S., Tanjung, A. R., & Darlis, E. (2016). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Ekonomi, 24(September), 141–152.
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh demografi, financial knowledge, financial attitude, locus of control dan financial self-efficacy terhadap financial management behavior masyarakat surabaya. Jurnal Ilmu Manajemen, 6(2010).
Robbins, S. P., & Timothy, A. J. (2008). Perilaku Organisasi (12th ed.). Jakarta: Salemba Empat.
Rotter, J. B. (1966). Generalized Expectancies for Internal Versus External Control Of Reinforcement. Psychological Monographs: General and Applied, 80(1). https://doi.org/10.1037/h0092976
Sabri, M. F., & Macdonald, M. (2010). Savings Behavior and Financial Problems Among College Students : The Role of Financial Literacy in Malaysia, 6(3), 103–110.
Sabri, M. F., Macdonald, M., Hira, T. K., & Masud, J. (2010). Childhood Consumer Experience and the Financial Literacy of College Students in Malaysia. Family & Consumer Sciences Research Journal, 38(4), 455–467. https://doi.org/10.1111/j.1552-3934.2010.00038.x
Sugianto, F. (2018). Indonesian Online Shopping Behavior.pdf. Retrieved from https://snapcart.global/indonesian-e-commerce-shopping-behavior/
Sundarasen, S. D. D., Rahman, M. S., & Danaraj, J. (2016). Impact of Financial Literacy, Financial Socialization Agents, and Parental Norms on Money Management. Journal of Business Studies Quarterly, 8(April 2017).
Thi, N., Mien, N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors : Evidence from Vietnam. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance, and Social Sciences, 10–12.
Van Horne, J. C., & Wachowicz, J. M. (2006). Fundamentals of Financial management. Professional Housing Management Practices in Hong Kong (13th ed.). England: Pearson Education Limited.
Widyaningrum, S., & Kurniawati, S. L. (2018). Pengaruh Sikap Keuangan, Pengetahuan Keuangan Dan Pengalaman Keuangan Terhadap Perilaku Pengelolaan Keuangan Keluarga Di Sidoarjo. STIE Perbanas, (45), 39.
Winata, J., & Memarista, G. (2015). Faktor-Faktor yang Mempengaruhi Financial Satisfaction pada Mahasiswa Universitas Kristen Petra. Finesta, 3(2), 1–6.
Yap, R., Komalasari, F., & Hadiansah, I. (2016). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. International Journal of Administrative Science & Organization, 23(3).
Zakaria, R. H., Ismawati, N., Jaafar, M., Marican, S., Economics, F., & Lumpur, K. (2012). Financial Behavior and Financial Position : A Structural Equation Modelling Approach. Middle-East Journal of Scientific Research, 12(10), 1396–1402. https://doi.org/10.5829/idosi.mejsr.2012.12.10.79
Ajzen, I. (2005). Attitude, Personality, and Behavior (2nd ed.). New York: Open University Press.
Akben-selcuk, E. (2015). Factors Influencing College Students ’ Financial Behaviors in Turkey : Evidence from a National Survey. International Journal of Economics and Finance, 7(6), 87–94. https://doi.org/10.5539/ijef.v7n6p87
Al Kholilah, N., & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69–80.
Ali, H., & Purwandi, L. (2017). The Urban Middle-Class Millennials Indonesia: Financial and Online Behaviour.
Amanah, E., Rahadian, D., & Iradianty, A. (2016). Pengaruh Financial Knowledge, Financial Attitude Dan External Locus of Control Terhadap Personal Financial Management Behavior Pada Mahasiswa S1 Universitas Telkom. E-Proceeding of Management, 3(2), 1228–1235. https://doi.org/ISSN 2355-9357
Britt, S., Cumbie, J., & Bell, M. (2011). The Influence Of Locus Of Control. College Student Journal, 47(1), 178–185.
Cho, S. H., Kim, J., & Mauldin, T. (2012). The Effect of Socialization and Information Source on Financial Management Behaviors among Low- and Moderate-Income Adults. Family & Consumer Sciences Research Journal, 40(4), 417–430. https://doi.org/10.1111/j.1552-3934.2012.02120.x
CNN Indonesia. (2018). Alasan Generasi Millenial Lebih Konsumtif. Retrieved November 22, 2018, from https://www.cnnindonesia.com/gaya-hidup/20180418215055-282-291845/alasan-generasi-milenial-lebih-konsumtif
Dew, J., & Xiao, J. (2011). The Financial Management Behavior Scale : Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–60. https://doi.org/10.5829/idosi.mejsr.2012.12.10.79
Falahati, L., & Paim, L. H. (2011). Toward a framework of determinants of financial management and financial problems among university students. African Journal of Business Management, 5(22), 9600–9606.
Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment a Model of Financial Satisfaction Predictors : Examining the Mediate Effect of Financial Behaviour and Financial Strain. World Applied Sciences Journal, 20(2), 190–197. https://doi.org/10.5829/idosi.wasj.2012.20.02.1832
Ferdinand, A. (2006). Metode Penelitian Manajemen: Pedoman Penelitian Skripsi, Tesis, dan Disertai Ilmu Manajemen. Semarang: Universitas Diponegoro.
Hair, J. F., Black, C., Babin, & Anderson. (2014). Multivariate Data Analysis (7th ed.). Pearson Prentice Hall.
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan, 9(3), 226–241.
Humaira, I., & Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Jurnal Nominal, VII(1).
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Jamal, A. A. A., Ramlan, W. K., Karim, M. A., Mohidin, R., & Osman, Z. (2015). The Effects of Social Influence and Financial Literacy on Savings Behavior : A Study on Students of Higher Learning Institutions in Kota Kinabalu, Sabah. International Journal of Business and Social Science, 6(11), 110–119.
Jorgensen, B. L., Rappleyea, D. L., Schweichler, J. T., Fang, X., & Moran, M. E. (2016). The Financial Behavior of Emerging Adults: A Family Financial Socialization Approach. Journal of Family and Economic Issues, 38(1), 57–69. https://doi.org/10.1007/s10834-015-9481-0
Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69–80.
Kim, J., & Chatterjee, S. (2013). Childhood Financial Socialization and Young Adults ’ Financial Management. Journal of Financial Counseling and Planning, 24(1), 61–79. https://doi.org/10.2307/2061715
Marsh, B. A. (2006). Examining the Personal Finance attitudes, behaviors, and knowledge levels of first-year and senior students at Baptist Universities in the State of Texas, (October).
Noble, S. M., & Schewe, C. D. (2003). Cohort segmentation: An exploration of its validity. Journal of Business Research, 56(12), 979–987. https://doi.org/10.1016/S0148-2963(02)00268-0
Novianti, S., Tanjung, A. R., & Darlis, E. (2016). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Ekonomi, 24(September), 141–152.
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh demografi, financial knowledge, financial attitude, locus of control dan financial self-efficacy terhadap financial management behavior masyarakat surabaya. Jurnal Ilmu Manajemen, 6(2010).
Robbins, S. P., & Timothy, A. J. (2008). Perilaku Organisasi (12th ed.). Jakarta: Salemba Empat.
Rotter, J. B. (1966). Generalized Expectancies for Internal Versus External Control Of Reinforcement. Psychological Monographs: General and Applied, 80(1). https://doi.org/10.1037/h0092976
Sabri, M. F., & Macdonald, M. (2010). Savings Behavior and Financial Problems Among College Students : The Role of Financial Literacy in Malaysia, 6(3), 103–110.
Sabri, M. F., Macdonald, M., Hira, T. K., & Masud, J. (2010). Childhood Consumer Experience and the Financial Literacy of College Students in Malaysia. Family & Consumer Sciences Research Journal, 38(4), 455–467. https://doi.org/10.1111/j.1552-3934.2010.00038.x
Sugianto, F. (2018). Indonesian Online Shopping Behavior.pdf. Retrieved from https://snapcart.global/indonesian-e-commerce-shopping-behavior/
Sundarasen, S. D. D., Rahman, M. S., & Danaraj, J. (2016). Impact of Financial Literacy, Financial Socialization Agents, and Parental Norms on Money Management. Journal of Business Studies Quarterly, 8(April 2017).
Thi, N., Mien, N., & Thao, T. P. (2015). Factors Affecting Personal Financial Management Behaviors : Evidence from Vietnam. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance, and Social Sciences, 10–12.
Van Horne, J. C., & Wachowicz, J. M. (2006). Fundamentals of Financial management. Professional Housing Management Practices in Hong Kong (13th ed.). England: Pearson Education Limited.
Widyaningrum, S., & Kurniawati, S. L. (2018). Pengaruh Sikap Keuangan, Pengetahuan Keuangan Dan Pengalaman Keuangan Terhadap Perilaku Pengelolaan Keuangan Keluarga Di Sidoarjo. STIE Perbanas, (45), 39.
Winata, J., & Memarista, G. (2015). Faktor-Faktor yang Mempengaruhi Financial Satisfaction pada Mahasiswa Universitas Kristen Petra. Finesta, 3(2), 1–6.
Yap, R., Komalasari, F., & Hadiansah, I. (2016). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. International Journal of Administrative Science & Organization, 23(3).
Zakaria, R. H., Ismawati, N., Jaafar, M., Marican, S., Economics, F., & Lumpur, K. (2012). Financial Behavior and Financial Position : A Structural Equation Modelling Approach. Middle-East Journal of Scientific Research, 12(10), 1396–1402. https://doi.org/10.5829/idosi.mejsr.2012.12.10.79