Faktor yang Memengaruhi Personal Financial Planning pada Masyarakat Kota Kediri
DOI:
https://doi.org/10.26740/jim.v9n2.p359-372Keywords:
digital financial services, financial literacy, income, personal financial planning, self-esteemAbstract
Personal financial planning is essential to have for everyone to achieve their financial goals. This research focuses on the people of Kediri City because BPS data shows that the per capita income of Kediri City is the highest compared to other cities in East Java Province. This research aimed to determine the effect of self-esteem, financial literacy, income, and digital financial services on personal financial planning. This research uses the causality research method and 193 respondents as the sample with cluster sampling obtained from online and offline questionnaires. Data were analyzed using multiple linear regression and processed with SPSS. This research shows results that self-esteem and financial literacy variables have a positive effect on personal financial planning. While the variables income and digital financial services did not affect personal financial planning. The results of the research are expected to be used by the Government of Kediri City in preparing education for its people to have better personal financial planning.
References
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Davis, F. D. (1985). A Technology Acceptance Model for Empirically Testing New End-User Informations Systems: Theory and Results. Science, 1291. https://doi.org/10.1126/science.146.3652.1648
Departemen Statistik Ekonomi dan Moneter Bank Indonesia. (2015). Produk Domestik Regional Bruto (PDRB). http://www.bi.go.id
Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25 (9th ed.). Semarang: Badan Penerbit Universitas Diponegoro, 1490.
Harahap, B. A., Idham, P. B., Kusuma, A. C. M., & Rakhman, R. N. (2017). Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) Terhadap Transmisi Kebijakan Moneter Dan Makroekonomi. Working Paper Bank Indonesia, 2, 180.
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Hutabarat, A. S. S., & Wijaya, C. (2020). Analysis the effect of financial literacy on financial planning for retirement (case study lecturers and administrative staffs in Universitas Indonesia). International Journal of Management, 11(5), 741750. https://doi.org/10.34218/IJM.11.5.2020.066
Jordan, C. H., Zeigler-Hill, V., & Cameron, J. J. (2015). Self-Esteem. In International Encyclopedia of the Social & Behavioral Sciences: Second Edition, 21(2), 522528. https://doi.org/10.1016/B978-0-08-097086-8.25090-3
Kamila, I. I., & Mukhlis. (2013). Perbedaan Harga Diri (Self Esteem) Remaja Ditinjau dari Keberadaan Ayah. Jurnal Psikologi UIN Sultan Syarif Kasim Riau, 9(2), 100112.
Keloth, S., Menaka, B., Mithila, P., Thangam, A., & Francis, R. (2020). Revolutionizing financial planning and investment with the aspects of digital financial inclusion. International Journal of Scientific and Technology Research, 9(4), 22632266.
Kireeva, E. V. (2016). Effective Management of Personal Finance. Researchgate. 15.
Lin, W.-R., Yang, F.-J., & Chang, H.-C. (2016). A Discussion of College Students Financial Planning Awareness and Financial Planning Ability: A Case Study of a University in Taiwan. Journal of Accounting Finance & Management Strategy, 11(1), 119140. http://uprm.edu/library/relay.php?url=%7BtargetURL%7D/docview/1818677905?accountid=28498
Mat Nawi, H. (2018). Financial Planning Framework: Empirical Evidence on Muslim Households in Malaysia. Canadian Social Science, 14(5), 1116. https://doi.org/10.3968/10340
McKay, M., & Fanning, P. (2016). Self-Esteem (4th ed.). New Harbinger Publications, Inc, 1358.
Meinarno, E. A., & Rahardjo, W. (2012). Symbolic Meaning of Money , Self-esteem , and Identification with Pancasila Values. Procedia Social and Behavioral Sciences. 65(ICIBSoS), 106115. https://doi.org/10.1016/j.sbspro.2012.11.099
Mendari, A. S., & Soejono, F. (2019). Hubungan Tingkat Literasi dan Perencanaan Keuangan. Modus Journals, 31(2), 227240.
Mruk, C. J. (2006). Self-esteem: research, theory, and practice. In Choice Reviews Online (Vol. 32, Issue 10), 1270. Springer Publishing Company. https://doi.org/10.5860/choice.32-5938
Muizzuddin, T., Ghasarma, R., Putri, L., & Adam, M. (2017). Financial Literacy: Strategies and Concepts in Understanding the Financial Planning with Self-Efficacy Theory and Goal Setting Theory of Motivation Approach. International Journal of Economics and Financial Issues, 7(4), 182188. http:www.econjournals.com
Mulasiswi, Cut Musni; Julialevi, K. O. (2020). Optimalisasi Financial Teknologi ( Fintech ) Terhadap Peningkatan Literasi Dan Inklusi Keuangan Usaha Menengah Purwokerto. Performance, 27(1), 1220.
Neymotin, F. (2010). Linking self-esteem with the tendency to engage in financial planning. Journal of Economic Psychology, 31(6), 9961007. https://doi.org/10.1016/j.joep.2010.08.006
Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). In Otoritas Jasa Keuangan (pp. 199).
PalacÃ, F., Jiménez, I., & Topa, G. (2018). Too soon to worry? Longitudinal examination of financial planning for retirement among Spanish aged workers. PLoS ONE Journal, 13(12), 117. https://doi.org/10.1371/journal.pone.0209434
Rusdini, D. A. (2020). Faktor yang Memengaruhi Financial Satisfaction pada Masyarakat Kabupaten Pamekasan. Jurnal Ilmu Manajemen, 9(1), 19.
Saeedi, A., & Hamedi, M. (2018). Financial literacy: Empowerment in the stock market. Switzerland: Springer International Publishing. https://doi.org/10.1007/978-3-319-77857-0
Scardovi, C. (2017). Digital Transformation in Financial Services. In Global Positioning for Financial Services. London: Springer International Publishing. 1154. https://doi.org/10.1142/9789812793669_0001
Setyowati, A., Harmadi, H., & Sunarjanto, S. (2018). Islamic Financial Literacy and Personal Financial Planning: A Socio-Demographic Study. Jurnal Keuangan Dan Perbankan, 22(1), 6372. https://doi.org/10.26905/jkdp.v22i1.1625
Shelitha Smodic, Forst, E., Rauschenberger, J., & McCoy, M. (2019). Financial Planning with Ambiguous Loss from Alzheimers Disease: Implications, Applications, and Interventions. American Journal of Economics and Control Systems Management, 1, 2936. https://www.researchgate.net/publication/335589221_Financial_Planning_with_Ambiguous_Loss_from_Alzheimers_Disease_Implications_Application_and_Interventions
Sobaya, S., Hidayanto, M. F., & Safitri, J. (2016). Pengaruh literasi keuangan dan lingkungan sosial terhadap perencanaan keuangan pegawai di universitas islam indonesia yogyakarta. Madania, 20(01), 114.
Solomons, D. (1961). Economic and Accounting Concepts of Income. University of Pensylvania Journal, 374383.
Sudarto, & Reswari, A. D. (2019). Faktor-faktor yang Mempengaruhi Perencanaan Keuangan Pribadi. Sustainable Competitive Advantage-9, 9(9), 157167.
Wulandari, F. A., & Sutjiati, R. (2014). Pengaruh Kesadaran Masyarakat dalam Perencanaan Keuangan Keluarga terhadap Kesejahteraan (Studi pada Warga Komplek BCP, Jatinangor. Siasat Bisnis, 18(1), 2131.
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Yohana, I. (2010). Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131144.
Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Jurnal Nominal, VI(9), 16891699.
Ajzen, I. (1991). The Theory of Planned Behavior Organizational Behavior and Human Decision Processes. Organizational Behavior and Human Decision Processes, 50(2), 179211.
Ajzen, I. (2005). Attitudes, Personality & Behavior (2nd ed.): Open University Press, 1146.
Ajzen, I., Madden, T. J., & Ellen, P. S. (1992). A Comparison of the Theory of Planned Behavior and the Theory of Reasoned Action. Personality and Social Psychology Bulletin, 18(1), 39. https://doi.org/10.1177/0146167292181001
Ando, A., & Modigliani-Brumberg. (1963). The œLife Cycle Hypothesis of Saving: Aggregate Implications and Tests. The American Economic Review, 53(1), 5584.
Aprea, C., Wuttke, E., Breuer, K., Koh, N. K., Davies, P., & Greimel-Fuhrmann, B. (2016). Financial literacy to financial capability: Building financial stability and security. In J. S. Lopus (Ed.), International Handbook of Financial Literacy. 8396. https://doi.org/10.1007/978-981-10-0360-8_7
Aziz, I. (2019). Pengaruh Uang Saku, Gaya Hidup, dan Perilaku Menabung terhadap Pola Konsumsi Non Makanan Mahasiswa (Studi Pada: Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Brawijaya). Jurnal Ilmiah Mahasiswa FEB UB,8(1), 116.
Azizah, E. W., Sudarti, & Kusuma, H. (2018). Pengaruh Pendidikan, Pendapatan Perkapita dan Jumlah Penduduk terhadap Kemiskinan di Provinsi Jawa Timur. Jurnal Ilmu Ekonomi, 2(1), 167180. http://ejournal.umm.ac.id/index.php/jie/article/view/6976
Badan Pusat Statistik. (2010). Pdrb. In Bps (Issue 2, p. 1). https://www.bps.go.id/subject/52/produk-domestik-regional-bruto--lapangan-usaha-.html. Diakses pada 9 Oktober 2020
Badan Pusat Statistik. (2018). Produk Domestik Regional Bruto Provinsi-Provinsi di Indonesia menurut Pengeluaran. https://www.bps.go.id/publication/2019/10/18/c2395c5a8c35fc4c043de204/produk-domestik-regional-bruto-provinsi-provinsi-di-indonesia-menurut-pengeluaran--2014-2018.html. Diakses pada 7 Oktober 2020
Badan Pusat Statistik. (2019). Statistik Pendapatan Februari 2019. https://www.bps.go.id/publication/2019/05/31/4f7829e7743f9dfbd498577e/statistik-pendapatan-februari-2019.html. Diakses pada 7 Oktober 2020
Badan Pusat Statistik Provinsi Jawa Timur. (2018). Persentase Penduduk Miskin Kota di Provinsi Jawa Timur, Survei Sosial Ekonomi Nasional (Susenas). https://jatim.bps.go.id/statictable/2019/10/11/1857/jumlah-dan-persentase-penduduk-miskin-di-provinsi-jawa-timur-menurut-kabupaten-kota-2017-dan-2018-.html. Diakses pada 15 Oktober 2020
Badan Pusat Statistik Provinsi Jawa Timur. (2018). PDRB Perkapita Provinsi Jawa Timur https://jatim.bps.go.id/dynamictable/2018/01/16/221/pdrb-perkapita-atas-dasar-harga-berlaku-menurut-kabupaten-kota-di-jawa-timur-2010-2016.html. Diakses pada 7 Oktober 2020
Badan Pusat Statistik Provinsi Jawa Timur. (2018). Produk Domestik Regional Bruto Jawa Timur Menurut Kabupaten/Kota 2014-2018. In BPS Provinsi Jawa Timur. https://jatim.bps.go.id/statictable/2019/10/09/1711/produk-domestik-regional-bruto-atas-dasar-harga-berlaku-provinsi-jawa-timur-menurut-kabupaten-kota-miliar-2014-2018.html. Diakses pada 9 Oktober 2020
Baumol, W. J. (1952). The Transactions Demand for Cash¯: An Inventory Theoretic Approach. The Quarterly Journals of Economic, 66(4), 545556.
Branden, N. (1992). The Power of Self-Esteem: An Inspiring Look At Our Most Important Psychological Resource. Health Communications, Inc, 196.
Brounen, D., Koedijk, K. G., & Pownall, R. A. J. (2016). Household financial planning and savings behavior. Journal of International Money and Finance, 69(11033), 95107. https://doi.org/10.1016/j.jimonfin.2016.06.011
Chen, H., & P.Volpe, R. (1998). An Analysis of Personal Financial Literacy Among College Student. Zhongguo Jiguang/Chinese Journal of Lasers, 43(8), 107128. https://doi.org/10.3788/CJL201643.0811001
Davis, F. D. (1985). A Technology Acceptance Model for Empirically Testing New End-User Informations Systems: Theory and Results. Science, 1291. https://doi.org/10.1126/science.146.3652.1648
Departemen Statistik Ekonomi dan Moneter Bank Indonesia. (2015). Produk Domestik Regional Bruto (PDRB). http://www.bi.go.id
Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25 (9th ed.). Semarang: Badan Penerbit Universitas Diponegoro, 1490.
Harahap, B. A., Idham, P. B., Kusuma, A. C. M., & Rakhman, R. N. (2017). Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) Terhadap Transmisi Kebijakan Moneter Dan Makroekonomi. Working Paper Bank Indonesia, 2, 180.
Harrison, D. (2005). Personal Financial Planning: Theory and Practice. Pearson Education Limited, 1-415. http://www.cilip.org.uk
Hutabarat, A. S. S., & Wijaya, C. (2020). Analysis the effect of financial literacy on financial planning for retirement (case study lecturers and administrative staffs in Universitas Indonesia). International Journal of Management, 11(5), 741750. https://doi.org/10.34218/IJM.11.5.2020.066
Jordan, C. H., Zeigler-Hill, V., & Cameron, J. J. (2015). Self-Esteem. In International Encyclopedia of the Social & Behavioral Sciences: Second Edition, 21(2), 522528. https://doi.org/10.1016/B978-0-08-097086-8.25090-3
Kamila, I. I., & Mukhlis. (2013). Perbedaan Harga Diri (Self Esteem) Remaja Ditinjau dari Keberadaan Ayah. Jurnal Psikologi UIN Sultan Syarif Kasim Riau, 9(2), 100112.
Keloth, S., Menaka, B., Mithila, P., Thangam, A., & Francis, R. (2020). Revolutionizing financial planning and investment with the aspects of digital financial inclusion. International Journal of Scientific and Technology Research, 9(4), 22632266.
Kireeva, E. V. (2016). Effective Management of Personal Finance. Researchgate. 15.
Lin, W.-R., Yang, F.-J., & Chang, H.-C. (2016). A Discussion of College Students Financial Planning Awareness and Financial Planning Ability: A Case Study of a University in Taiwan. Journal of Accounting Finance & Management Strategy, 11(1), 119140. http://uprm.edu/library/relay.php?url=%7BtargetURL%7D/docview/1818677905?accountid=28498
Mat Nawi, H. (2018). Financial Planning Framework: Empirical Evidence on Muslim Households in Malaysia. Canadian Social Science, 14(5), 1116. https://doi.org/10.3968/10340
McKay, M., & Fanning, P. (2016). Self-Esteem (4th ed.). New Harbinger Publications, Inc, 1358.
Meinarno, E. A., & Rahardjo, W. (2012). Symbolic Meaning of Money , Self-esteem , and Identification with Pancasila Values. Procedia Social and Behavioral Sciences. 65(ICIBSoS), 106115. https://doi.org/10.1016/j.sbspro.2012.11.099
Mendari, A. S., & Soejono, F. (2019). Hubungan Tingkat Literasi dan Perencanaan Keuangan. Modus Journals, 31(2), 227240.
Mruk, C. J. (2006). Self-esteem: research, theory, and practice. In Choice Reviews Online (Vol. 32, Issue 10), 1270. Springer Publishing Company. https://doi.org/10.5860/choice.32-5938
Muizzuddin, T., Ghasarma, R., Putri, L., & Adam, M. (2017). Financial Literacy: Strategies and Concepts in Understanding the Financial Planning with Self-Efficacy Theory and Goal Setting Theory of Motivation Approach. International Journal of Economics and Financial Issues, 7(4), 182188. http:www.econjournals.com
Mulasiswi, Cut Musni; Julialevi, K. O. (2020). Optimalisasi Financial Teknologi ( Fintech ) Terhadap Peningkatan Literasi Dan Inklusi Keuangan Usaha Menengah Purwokerto. Performance, 27(1), 1220.
Neymotin, F. (2010). Linking self-esteem with the tendency to engage in financial planning. Journal of Economic Psychology, 31(6), 9961007. https://doi.org/10.1016/j.joep.2010.08.006
Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). In Otoritas Jasa Keuangan (pp. 199).
PalacÃ, F., Jiménez, I., & Topa, G. (2018). Too soon to worry? Longitudinal examination of financial planning for retirement among Spanish aged workers. PLoS ONE Journal, 13(12), 117. https://doi.org/10.1371/journal.pone.0209434
Rusdini, D. A. (2020). Faktor yang Memengaruhi Financial Satisfaction pada Masyarakat Kabupaten Pamekasan. Jurnal Ilmu Manajemen, 9(1), 19.
Saeedi, A., & Hamedi, M. (2018). Financial literacy: Empowerment in the stock market. Switzerland: Springer International Publishing. https://doi.org/10.1007/978-3-319-77857-0
Scardovi, C. (2017). Digital Transformation in Financial Services. In Global Positioning for Financial Services. London: Springer International Publishing. 1154. https://doi.org/10.1142/9789812793669_0001
Setyowati, A., Harmadi, H., & Sunarjanto, S. (2018). Islamic Financial Literacy and Personal Financial Planning: A Socio-Demographic Study. Jurnal Keuangan Dan Perbankan, 22(1), 6372. https://doi.org/10.26905/jkdp.v22i1.1625
Shelitha Smodic, Forst, E., Rauschenberger, J., & McCoy, M. (2019). Financial Planning with Ambiguous Loss from Alzheimers Disease: Implications, Applications, and Interventions. American Journal of Economics and Control Systems Management, 1, 2936. https://www.researchgate.net/publication/335589221_Financial_Planning_with_Ambiguous_Loss_from_Alzheimers_Disease_Implications_Application_and_Interventions
Sobaya, S., Hidayanto, M. F., & Safitri, J. (2016). Pengaruh literasi keuangan dan lingkungan sosial terhadap perencanaan keuangan pegawai di universitas islam indonesia yogyakarta. Madania, 20(01), 114.
Solomons, D. (1961). Economic and Accounting Concepts of Income. University of Pensylvania Journal, 374383.
Sudarto, & Reswari, A. D. (2019). Faktor-faktor yang Mempengaruhi Perencanaan Keuangan Pribadi. Sustainable Competitive Advantage-9, 9(9), 157167.
Wulandari, F. A., & Sutjiati, R. (2014). Pengaruh Kesadaran Masyarakat dalam Perencanaan Keuangan Keluarga terhadap Kesejahteraan (Studi pada Warga Komplek BCP, Jatinangor. Siasat Bisnis, 18(1), 2131.
Xinyue，Zhou, Kathleen， D. Vohs, & Roy， F. Baumeister. (2009). The Symbolic Power of Money Reminders of Money Alter Social Distress and Physical Pain. Psychological Science, 20(6), 17.
Yohana, I. (2010). Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131144.
Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Jurnal Nominal, VI(9), 16891699.
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2021-06-30
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Ningrum, H. A. D. (2021). Faktor yang Memengaruhi Personal Financial Planning pada Masyarakat Kota Kediri. Jurnal Ilmu Manajemen, 9(2), 359–372. https://doi.org/10.26740/jim.v9n2.p359-372
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