The Influence Of Financial Self Efficacy On Risky Credit Behavior

Abstract

This study is a quantitative study with an explanatory approach, namely an approach that relies on previous research in this case the study (Sugiyono 2019). The data used in this study are primary data that researchers obtained directly through an online questionnaire with eight questions including four questions on the Financial Self-Eficacy variable and four questions on the Risky Credit Behavior variable. The existing data were analyzed using the smart PLS 4.O analysis tool. The hypothesis used in this article is that the Financial Self-Eficacy variable data has a positive relationship direction and a significant influence on Risky Credit Behavior cannot be accepted because the P-Values ​​are negative and are not below the significance level of 0.05, namely -0.008. s. The meaning of these results indicates that the better a person is in having Financial Self-Eficacy traits, the smaller the risky credit behavior will be. A person who has Financial Self-Eficacy traits will not force himself, consider which are needs and luxuries, and so on that can keep him from Risky Credit Behavior.