The Influence of Financial Knowledge, Financial Attitudes, and Financial Self-Efficacy on Men’s Saving Behavior for Bride Price (Uang Panai’) in Sidrap
Keywords:
Financial knowledge, Financial attitudes, Financial self-efficacy, Saving behavior, Uang panai’
Abstract
This study aims to examine the influence of financial knowledge, financial attitudes, and financial self-efficacy on men’s saving behavior in preparing the bride price (uang panai’) in Sidrap. Data were collected from 112 men in Sidrap through a questionnaire that had been tested for validity and reliability, and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The results show that financial knowledge has a positive but insignificant effect on saving behavior, whereas financial attitudes and financial self-efficacy have a positive and significant effect on saving behavior among men in Sidrap. These findings suggest that financial knowledge needs to be complemented with efforts to strengthen financial self-efficacy so that it can be translated into actual saving practices.
References
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Anastasya, A., & Pamungkas, A. S. (2023). Pengaruh financial literacy, financial attitude dan self control terhadap saving behavior [The influence of financial literacy, financial attitude, and self-control on saving behavior]. Jurnal Manajerial dan Kewirausahaan, 5(2), 343–352.
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Harahap, L. K. (2020). Analisis SEM (structural equation modelling) dengan SmartPLS (partial least square) [SEM (structural equation modelling) analysis with SmartPLS (partial least square)]. Fakultas Sains dan Teknologi UIN Walisongo Semarang.
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Kholilah, N. A., & Iramani, R. (2013). Studi financial management behavior pada masyarakat Surabaya [A study of financial management behavior in the Surabaya community]. Journal of Business and Banking, 3(1), 69–80.
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Rosita, C. A., & Anwar, M. (2022). Financial literacy on saving behavior through lifestyle (Study on female entrepreneurs in the Sepanjang Market, Sidoarjo Regency). Management Studies and Entrepreneurship Journal, 3(6), 3328–3336.
Sandi, K., Worokinasih, S., & Darmawan, A. (2020). Pengaruh financial knowledge dan financial attitude terhadap financial behavior youth entrepreneur Kota Malang [The influence of financial knowledge and financial attitude on financial behavior of young entrepreneurs in Malang City]. Jurnal Administrasi Bisnis, 1(1), 140–150. https://profit.ub.ac.id
Sari, N. R., & Listiadi, A. (2021). Pengaruh literasi keuangan, pendidikan keuangan di keluarga, terhadap perilaku pengelolaan keuangan dengan financial self-efficacy sebagai variabel intervening [The influence of financial literacy and family financial education on financial management behavior with financial self-efficacy as an intervening variable]. Jurnal Pendidikan Akuntansi (JPAK), 9(1), 58–70. https://doi.org/10.26740/jpak.v9n1.p58-70
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Almaida, H. (2023). Tingginya uang panai Bugis Sidrap: Mengangkat derajat perempuan atau membebani laki-laki untuk menikah [The high uang panai of the Bugis in Sidrap: Elevating women’s dignity or burdening men to marry?]. Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam, 5(2), 1156–1167. https://doi.org/10.37680/almanhaj.v5i2.2684
Amagir, A., Groot, W., Van den Brink, H. M., & Wilschut, A. (2020). Financial literacy of high school students in the Netherlands: Knowledge, attitudes, self-efficacy, and behavior. International Review of Economics Education, 34, 100185. https://doi.org/10.1016/J.IREE.2020.100185
Anastasya, A., & Pamungkas, A. S. (2023). Pengaruh financial literacy, financial attitude dan self control terhadap saving behavior [The influence of financial literacy, financial attitude, and self-control on saving behavior]. Jurnal Manajerial dan Kewirausahaan, 5(2), 343–352.
Ardiansyah, Risnita, & Jailani, M. S. (2023). Teknik pengumpulan data dan instrumen penelitian ilmiah pendidikan pada pendekatan kualitatif dan kuantitatif [Data collection techniques and scientific research instruments in education using qualitative and quantitative approaches]. Jurnal Pendidikan Islam, 1(2), 1–9.
Azka, I., Bariki, Y., & Nurfadillah, N. (2023). Fenomena uang panai pada mahasiswa Bugis-Makassar di Yogyakarta: Kajian negosiasi identitas budaya [The uang panai phenomenon among Bugis-Makassar students in Yogyakarta: A study of cultural identity negotiation]. Jurnal Khazanah Keagamaan, 11(2), 468–479. https://doi.org/10.31969/pusaka.v11i2.1250
Bandura, A. (1977). Self-efficacy: Toward a unifying theory of behavioral change. Psychological Review, 84(2), 191–215.
Bhakti, I. G. K. W., Gunadi, I. G. N. B. G., & Suarjana, I. W. (2023). Pengaruh financial literacy, financial self efficacy dan locus of control terhadap financial management behavior pada masyarakat di Kota Denpasar [The influence of financial literacy, financial self-efficacy, and locus of control on financial management behavior among the community in Denpasar City]. VALUES, 4(1), 131–138. https://doi.org/10.26740/jim.v9n2.p572-586
Chandra, W., & Pamungkas, A. S. (2022). The influence of attitude toward money, locus of control, financial self-efficacy and self-control on financial management behavior. International Journal of Application on Economics and Business, 1(1), 578–587. https://doi.org/10.24912/ijaeb.11.578-587
Charista, B. T., Tendean, R. L., & Malelak, M. I. (2022). Pengaruh financial knowledge, financial attitude dan financial self efficacy terhadap saving behavior pada pengguna e-commerce generasi Z [The influence of financial knowledge, financial attitude, and financial self-efficacy on saving behavior among Generation Z e-commerce users]. Jurnal Distribusi, 1(2), 141–154. https://doi.org/10.29303/distribusi.v10i2.228
Chong, K. F., Sabri, M. F., Magli, A. S., Abd Rahim, H., Mokhtar, N., & Othman, M. A. (2021). The effects of financial literacy, self-efficacy and self-coping on financial behavior of emerging adults. Journal of Asian Finance, Economics and Business, 8(3), 905-915. DOI: 10.13106/jafeb.2021.vol8.no3.0905
Cohen, J. (1988). Statistical power analysis for the behavioral sciences (2nd ed.). Lawrence Erlbaum Associates.
Creswell, J. W., & Creswell, J. D. (2018). Research design: Qualitative, quantitative, and mixed methods approaches (5th ed.). SAGE Publications.
Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39–50. https://doi.org/10.2307/3151312
George, D., & Mallery, P. (2003). SPSS for Windows step by step: A simple guide and reference (4th ed.). Allyn & Bacon.
Ghozali, I. (2014). Structural equation modeling: Metode alternatif dengan partial least squares (PLS) [Structural equation modeling: An alternative method with partial least squares (PLS)] (4th ed.). Badan Penerbit Universitas Diponegoro.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate data analysis (7th ed.). Pearson.
Harahap, L. K. (2020). Analisis SEM (structural equation modelling) dengan SmartPLS (partial least square) [SEM (structural equation modelling) analysis with SmartPLS (partial least square)]. Fakultas Sains dan Teknologi UIN Walisongo Semarang.
Ismail, S., Koe, W.-L., Mahphoth, M. H., Karim, R. A., Yusof, N., & Ismail, S. (2020). Saving behavior determinants in Malaysia: An empirical investigation. International Conference on Economics, Business and Economic Education (2020), 731–743. https://doi.org/10.18502/kss.v4i6.6639
Jalil, A. A. A., Zuryani, N., & Aditya, I. G. N. A. K. (2021). Konstruksi sosial uang panai pada perkawinan suku Bugis di Kota Makassar [The social construction of uang panai in Bugis marriages in Makassar City]. Jurnal Ilmiah Sosiologi: SOROT, 1(1), 108–115. https://ojs.unud.ac.id/index.php/sorot/article/view/77494
Kadir, I., Nonci, N., & Halim, H. (2021). Uang panai dalam budaya Bugis-Makassar (Studi kasus sosiologi di Kabupaten Pangkep) [Uang panai in Bugis-Makassar culture (A sociological case study in Pangkep Regency)]. Jurnal Ilmiah Ecosystem, 21(2), 428–434. http://dx.doi.org/10.35965/eco.v21i2.1127
Kholilah, N. A., & Iramani, R. (2013). Studi financial management behavior pada masyarakat Surabaya [A study of financial management behavior in the Surabaya community]. Journal of Business and Banking, 3(1), 69–80.
Lie, S., Astuti, D., & Malelak, M. I. (2022). The effect of financial literacy and demographics on the saving behavior of the millennial generation. International Journal of Financial and Investment Studies, 3(2), 110–118. https://doi.org/10.9744/ijfis.3.2.110-118
Luthfiannisa, G., & Meidiaswati, H. (2024). Pengaruh family financial socialization, income, self-control & financial attitude terhadap saving behavior generasi sandwich [The influence of family financial socialization, income, self-control, and financial attitude on saving behavior of the sandwich generation]. Jurnal Ilmu Manajemen, 12(1), 71–82. https://doi.org/10.26740/jim.v12n1.p71-82
Mardiana, V., & Rochmawati. (2020). Self-control sebagai moderasi antara pengetahuan keuangan, financial attitude, dan uang saku terhadap perilaku menabung [Self-control as a moderator between financial knowledge, financial attitude, and pocket money on saving behavior]. Jurnal Pendidikan Ilmu Sosial, 30(2), 83–98.
Nurmaulida, R. O., & Mustofa, M. (2023). Implementasi Islamic wealth management dalam mengembangkan UMKM (Studi kasus Seblak Prasmanan Manggung Gajah Mojokerto) [Implementation of Islamic wealth management in developing MSMEs (Case study of Seblak Prasmanan Manggung Gajah Mojokerto)]. Jurnal Ilmiah Ekonomi Islam, 9(3), 4155–4161. https://doi.org/10.29040/jiei.v9i3.9882
Pemerintah Indonesia. (2019). Undang-Undang Nomor 16 Tahun 2019 tentang Perubahan atas Undang-Undang Nomor 1 Tahun 1974 tentang Perkawinan [Law No. 16 of 2019 concerning amendments to Law No. 1 of 1974 on Marriage]. Sekretariat Negara.
Pricilla, A., Yusuf, M., & Handarini, D. (2024). Pengaruh financial literacy dan financial attitude terhadap financial management behavior dengan mediasi locus of control. Jurnal Akuntansi, Perpajakan dan Auditing, 5(1), 209-226.
Putri, N. A., Saiban, K., & Laila, K. (2021). Kedudukan uang panaik sebagai syarat perkawinan dalam adat suku Bugis menurut hukum Islam [The position of uang panaik as a marriage requirement in Bugis customs according to Islamic law]. Bhirawa Law Journal, 2(1), 33–44.
Rammang, R. E., & Tuhumury, B. Z. (2021). Uang panai pada suku Bugis Makassar dan implikasinya bagi orang Kristen [Uang panai among the Bugis Makassar and its implications for Christians]. Jurnal Teologi dan Pendidikan Kristen Kontekstual, 4(2), 260–272. https://doi.org/10.34307/b.v4i2.246
Rinaldi, Aziz, F., & Arifin, J. (2023). Problematika uang panai dalam masyarakat suku Bugis Bone [Problems of uang panai in the Bugis Bone community]. Padaringan: Jurnal Pendidikan Sosiologi Antropologi, 5(4), 1–11. https://doi.org/10.20527/pn.v5i01.7332
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh demografi, financial knowledge, financial attitude, locus of control, dan financial self-efficacy terhadap financial management behavior masyarakat Surabaya [The influence of demographics, financial knowledge, financial attitude, locus of control, and financial self-efficacy on financial management behavior of the Surabaya community]. Jurnal Ilmu Manajemen, 6(3), 93–107. https://doi.org/10.5539/ijbm.v6n8p105
Rohimah, S., Pambudi, R. K., & Firdausy, F. U. Z. (2023). Uang panai’ sebagai harga diri perempuan suku Bugis Bone: Antara adat dan agama [Uang panai’ as women’s self-worth in the Bugis Bone tribe: Between custom and religion]. Jurnal Pendidikan Sosiologi Undiksha, 5(1), 1–9.
Rosita, C. A., & Anwar, M. (2022). Financial literacy on saving behavior through lifestyle (Study on female entrepreneurs in the Sepanjang Market, Sidoarjo Regency). Management Studies and Entrepreneurship Journal, 3(6), 3328–3336.
Sandi, K., Worokinasih, S., & Darmawan, A. (2020). Pengaruh financial knowledge dan financial attitude terhadap financial behavior youth entrepreneur Kota Malang [The influence of financial knowledge and financial attitude on financial behavior of young entrepreneurs in Malang City]. Jurnal Administrasi Bisnis, 1(1), 140–150. https://profit.ub.ac.id
Sari, N. R., & Listiadi, A. (2021). Pengaruh literasi keuangan, pendidikan keuangan di keluarga, terhadap perilaku pengelolaan keuangan dengan financial self-efficacy sebagai variabel intervening [The influence of financial literacy and family financial education on financial management behavior with financial self-efficacy as an intervening variable]. Jurnal Pendidikan Akuntansi (JPAK), 9(1), 58–70. https://doi.org/10.26740/jpak.v9n1.p58-70
Sari, R. D. P. (2022). Pengaruh financial literacy, financial knowledge, financial attitude, financial experience, dan income terhadap keputusan investasi mahasiswa di Yogyakarta [The influence of financial literacy, financial knowledge, financial attitude, financial experience, and income on student investment decisions in Yogyakarta] [Unpublished undergraduate thesis]. Universitas Islam Ekonomi.
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Published
2026-11-05
How to Cite
Riksa, R., Amelda Sari, Elva Sura’ Kapuangan, Nur Siti Rahma, Zaimatun Nisa, & Farhanah Ramdhani Sumardi. (2026). The Influence of Financial Knowledge, Financial Attitudes, and Financial Self-Efficacy on Men’s Saving Behavior for Bride Price (Uang Panai’) in Sidrap. International Journal of Economics, Business and Innovation Research, 5(06), 2963-2985. https://doi.org/10.63922/ijebir.v5i06.7186
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