PENGARUH PENGETAHUAN KEUANGAN DAN SIKAP KEUANGAN TERHADAP KEMAMPUAN MENABUNG DENGAN MANAJEMEN KEUANGAN PRIBADI SEBAGAI VARIABEL INTERVENING (Studi Kasus Pada Mahasiswa Akuntansi di Surabaya) THE EFFECT OF FINANCIAL KNOWLEDGE AND FINANCIAL ATTITUDE ON THE ABILITY TO SAVE WITH PERSONAL FINANCE MANAGEMENT AS AN INTERVENING VARIABLE (Case Study on Accounting Students in Surabaya)

Febriyanti, Nabilah (2025) PENGARUH PENGETAHUAN KEUANGAN DAN SIKAP KEUANGAN TERHADAP KEMAMPUAN MENABUNG DENGAN MANAJEMEN KEUANGAN PRIBADI SEBAGAI VARIABEL INTERVENING (Studi Kasus Pada Mahasiswa Akuntansi di Surabaya) THE EFFECT OF FINANCIAL KNOWLEDGE AND FINANCIAL ATTITUDE ON THE ABILITY TO SAVE WITH PERSONAL FINANCE MANAGEMENT AS AN INTERVENING VARIABLE (Case Study on Accounting Students in Surabaya). Undergraduate thesis, Universitas 17 Agustus 1945 Surabaya.

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Abstract

This study aims to analyze the effect of Financial Knowledge and Financial Attitudes on Saving Ability with Personal Financial Management as an intervening variable for Accounting Study Program students in Surabaya. Using quantitative methods with a survey approach, data were collected through questionnaires distributed to 100 respondents. Data analysis was performed with regression and path analysis. The results show that Financial Knowledge has no significant effect on Personal Financial Management, while Financial Attitudes have a positive and significant effect. Financial Knowledge also has no significant effect on Saving Ability, while Financial Attitude has a positive and significant effect. Personal Financial Management has a positive effect on Saving Ability and acts as an intervening variable that strengthens the relationship between Financial Attitude and Saving Ability. This study concludes that Financial Attitude is more influential than Financial Knowledge on Saving Ability. The findings provide insights for educational institutions to focus on developing positive Financial Attitude and suggest the integration of practical financial education in the curriculum. Keywords: Financial Knowledge, Financial Attitude, Saving Ability, Personal Financial Management, Accounting Students.

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