The Influence of Financial Knowledge, Financial Experience, and Income on Financial Management Behavior of Civil Servants in Pontianak City

Abstract

This research aims to determine the influence of financial knowledge, financial experience and income on the financial management behavior of civil servants in the city of Pontianak. This type of research uses an associative research method. The population in this study were civil servants in 16 government agencies in Pontianak City, totaling 150 people. The sampling technique uses non-probability sampling. The data analysis tools used in this research are multiple linear regression analysis, multiple correlation coefficient (R), coefficient of determination (R2), simultaneous test (F test) and partial test (t). The results of this research show that the multiple linear regression equation model is Y = 23.248 + 0.018X1 + 0.291X2 + 0.475X3 + e. The correlation coefficient value shows an R value of 0.507, this value shows that financial knowledge (X1), financial experience (X2) and income (X3) with financial management behavior (Y) have a fairly strong correlation. The results of the coefficient of determination value show an R2 value of 0.257, which means that financial knowledge, financial experience and income influence the ups and downs of financial management behavior by 25.7% and the remaining 74.3% is influenced by other factors not examined in this research. The results of the simultaneous test (Test F) show that there is a significant influence simultaneously (together) between financial knowledge, financial experience and income on financial management behavior. The results of the partial test (t test) show that there is no partial significant influence between financial knowledge on financial management behavior and there is a partial significant influence of financial experience and income on the financial management behavior of civil servants in the city of Pontianak.