Pengaruh Pengetahuan Finansial dan Jenis Kelamin terhadap Perilaku Keuangan Mahasiswa FKIP UNS
Abstract
This study aims to examine how financial knowledge and gender affect the financial behavior of FKIP UNS students. Using a descriptive quantitative approach with a survey method, the research focuses on sixth- and eighth-semester students from the Accounting Education, Office Administration Education, and Economic Education programs. A purposive sampling method was applied, resulting in a sample of 221 students. Data were gathered through questionnaires and analyzed using descriptive statistics, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²). Additionally, normality, linearity, and multicollinearity tests were conducted as prerequisites. The results highlight three main findings: (1) Financial knowledge has a significant impact on financial behavior, evidenced by a t-test significance of 0.013 (p < 0.05); (2) Gender also significantly influences financial behavior, with a t-test significance of 0.038 (p < 0.05); (3) Combined, financial knowledge and gender significantly affect financial behaviour, supported by an F-test significance of 0.007 (p < 0.05).
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