The Influence Of Financial Knowledge, Financial Planning, Self-Control On The Financial Management Behavior Of Housewives

Abstract

Indonesia is an archipelago with a diverse community background. So are the customs and culture in each region. This is related to the mindset of the people in each region. Old-fashioned habits and culture affect the mindset and interest in science which is decreasing. The lack of knowledge also affects the economic level of the community. The problem that currently still often occurs in the midst of society is the lack of knowledge about financial planning and management patterns. Thus, at the end of each month spending cannot be controlled properly. Without financial planning, the financial picture they experience will be blurred. This study was conducted to determine the effect of financial knowledge, financial planning, self-control on the financial management behavior of housewives  in Klakah sub-district. The object of this research is housewives in Klakah sub-district which has a total sample of 90 respondents using purposive sampling technique. Data collection techniques using interviews and questionnaires. The analysis used in this study includes validity test, reliability test, multiple linear regression analysis, classical assumption test (normality test, multicollinearity test, heteroscedasticity test, autocorrelation test) and hypothesis testing (t test). The results of multiple linear regression analysis in this study prove that financial knowledge (0.118), financial planning (0.570), self-control (0.30) have a significant effect on customer decisions.