THE EFFECT OF FINANCIAL LITERACY, FINANCIAL EXPERIENCE, AND LOCUS OF CONTROL TOWARDS FINANCIAL MANAGEMENT ATTITUDE AND FAMILY INVESTMENT PLANNING BEHAVIOR IN PURWOKERTO

Akhmad, Darmawan and Suyoto, Suyoto and Hengky, Widhiandono and Utami, Nisa’ul Hidayah and Ahmad, Zainal Abidin bin Abd Razak and Hariyaty, bin Ab Wahab (2018) THE EFFECT OF FINANCIAL LITERACY, FINANCIAL EXPERIENCE, AND LOCUS OF CONTROL TOWARDS FINANCIAL MANAGEMENT ATTITUDE AND FAMILY INVESTMENT PLANNING BEHAVIOR IN PURWOKERTO. Proceeding International Conference of Business, Accounting and Economy (ICBAE UMP 2018).

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Abstract

This research is a quantitative descriptive research to examine the effect of financial literacy, financial experience, and locus of control towars financial management attitude and family investment planning behavior. The sampling method was purposive sampling, based on family income with a minimum income of Rp 4.500.000 per month. This study used a questionnaire instrument distributed to 120 respondents. The analysis techniques done in this research are validity and reliability test, descriptive statistic, classical assumption test, and multiple regression analysis to test the hypothesis and moderating effect of the variable. The results of this research indicate that financial literacy has no effect on the family investment planning behavior. Meanwhile, financial experience and locus of control has effect on family investment planning behavior. This research also found that the attitude of financial management does not moderate the effect of financial literacy, financial experience and locus of control on family investment planning behavior.

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