SIKAP TERHADAP UANG DAN PERILAKU BERHUTANG
DOI:
https://doi.org/10.22219/jipt.v3i1.2133Abstract
Perilaku berutang telah banyak menjadi pilihan individu dalam menyelesaikan masalah pemenuhan kebutuhan. Perilaku berutang tidak hanya dimiliki oleh kalangan menengah ke bawah untuk memenuhi kebutuhan pokok, tetapi juga dimiliki oleh kalangan menengah ke atas. Hal ini tentunya tidak bisa lepas dari sikap seseorang terhadap uang, dimana perbedaan sikap tersebut akan diikuti dengan perbedaan perilaku seseorang yang berhubungan dengan uang. Penelitian ini bertujuan untuk mengetahui hubungan antara sikap terhadap uang dengan perilaku berutang. Penelitian ini merupakan penelitian kuantitatif korelasional dengan sampel penelitian sebanyak 227 orang. Metode pengambilan data menggunakan skala sikap terhadap uang (money attitude scale) dan skala perilaku berutang yang dianalisis melalui korelasi product moment. Hasil penelitian menunjukkan bahwa ada hubungan yang signifikan antara sikap terhadap uang dengan perilaku berutang (p = 0.023, r = 0.150). Sumbangan efektif variabel sikap terhadap uang kepada perilaku berutang sebesar 2.2%. Dalam analisis korelasi parsial ditemukan bahwa dimensi distrus, quality dan anxiety berhubungan dengan perilaku berutang, sedangkan dimensi power-prestige dan retention time tidak berhubungan secara signifikan dengan perilaku berutang.
Kata kunci: Sikap terhadap uang, perilaku berutang
Debt behavior has an option individuals in resolving issues fulfillment. Debt behavior not only owned by the middle to bottom class to meet basic needs, but also owned by the upper middle class. This certainly can not be separated from money attitude, where the difference in money attitude will be followed by the person's behavioral differences that related to money. This study aimed to determine the relationship between money attitudes to debt behavior. This study is a quantitative correlation with a sample of 227 people. The data collection method using a money attitude scale and debt behavior scale then analyzed through product moment correlation. The results showed that there was a significant relationship between attitudes toward money to debt behavior (p = 0.023, r = 0.150). Effective contribution attitudes toward money to debt behavior by 2.2%. In partial correlation analysis found that distrust, quality and anxiety dimensions associated with the debt behavior, while the power-prestige and retention time dimensions was not significantly related to debt behavior.
Keyword : Money attitude, debt behavior
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