Kepuasan Finansial pada Individu Menikah di Kota Surabaya
DOI:
https://doi.org/10.26740/jim.v9n2.p499-510Keywords:
personal income, financial attitude, financial literacy, financial management behavior, financial satisfaction.Abstract
Married people have more needs than unmarried people, so they must manage their finances properly to achieve financial satisfaction. If married people can not manage their finance, they will felt dissatisfied with their financial condition. This situation can lead them to divorce by the economic problem. For this reason, this study aims to examine the factors that increase financial satisfaction in married people. Personal income, financial literacy, financial attitude, and financial management behavior will be examined in this study. A total of 110 married people in Surabaya with personal income and age range from 25-65 years were made into a sample in this study. This study uses multiple linear regression by using SPSS 25 program. This study found that personal income, financial attitude, and financial management behavior significantly affect financial satisfaction. While financial literacy does not affect financial satisfaction.
References
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Joo, S. (2008). Personal financial wellness. In Handbook of Consumer Finance Research. https://doi.org/10.1007/978-0-387-75734-6_2
Ojk.go.id. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Retrieved November 26, 2020, from www.ojk.go.id website: https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-(Revisit-2017)-/SNLKI (Revisit 2017).pdf
Ojk.go.id. (2021). Siklus Kehidupan Keuangan. Retrieved March 11, 2021, from www.ojk.go.id website: https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Category/18
Parmitasari, R. D. A. (2018). Analysis of Ethics and Investor Behavior and Its Impact on Financial Satisfaction of Capital Market Investors. Scientific Research Journal, VI(I), 5169. Retrieved from http://www.scirj.org/jan-2018-paper.php?rp=P0118488
Robb, C. A., Chatterjee, S., Porto, N., & Cude, B. J. (2019). The Influence of Student Loan Debt on Financial Satisfaction. Journal of Family and Economic Issues, 40(1), 5173. https://doi.org/10.1007/s10834-018-9599-y
Rusdini, D. A., Indah, T., Mulyaningsih, S., Ghaisani, I., & Kautsar, A. (2020). Impact of Financial Knowledge , Socio-Demographics, and Debt on Financial Satisfaction of Kediri People. International Journal of Latest Engineering and Management Research (IJLEMR), 5(1), 5.
Rutherford, L. G., & Fox, W. S. (2010). Financial Wellness of Young Adults Age 18 30. Family & Consumer Sciences Research Journal, 38(4), 468484. https://doi.org/10.1111/j.1552-3934.2010.00039.x
Sawitri, N. N. (2018). Behavior in managing revenue to achieve financial satisfaction. Opcion, 34(86), 12741291. Retrieved from https://www.researchgate.net/publication/332263157_Behavior_in_managing_revenue_to_achieve_financial_satisfaction
Setiyani, R., & Solichatun, I. (2019). Financial Well-being of College Students: An Empirical Study on Mediation Effect of Financial Behavior. KnE Social Sciences, 3(11), 451474. https://doi.org/10.18502/kss.v3i11.4026
Sujarweni, V. W. (2014). Metode Penelitian: Lengkap, Praktis, dan Mudah Dipahami. Yogyakarta: Pustaka Baru Press.
Xiao, J. J., Chen, C., & Chen, F. (2014). Consumer financial capability and financial satisfaction. Social Indicators Research, 118(1), 415432. https://doi.org/10.1007/s11205-013-0414-8
Yap, richard josua christian, Komalasari, F., & Hadiansah, I. (2016). the effect of financial literacy and attitude on financial management behavior and satisfaction. International Journal of Administrative Science & Organization, 23(3), 140146.
Ajzen, I. (2005). Attides, Personallity and Behavior. International Journal of Strategic Innovative Marketing, Vol. 3, p. 117.
Ali, A., Rahman, M. S. A., & Bakar, A. (2013). FinancialLiteracyand Satisfaction in Malaysia: A Pilot Study. International Journal of Trade, Economics and Finance, 4(5), 319324. https://doi.org/10.7763/ijtef.2013.v4.309
Arifin, A. Z. (2018). Influence factors toward financial satisfaction with financial behavior as intervening variable on Jakarta area workforce. European Research Studies Journal, XXI(1), 90103.
Azjen, I. (1991). The Theory of Planned Behavior. Organizational Behavior And Human Decision Process, 50((2)), 179211. https://doi.org/https://doi.org/10.1016/0749-5978(91)90020-T
BPS.go.id. (2020a). Keadaan Angkatan Kerja di Indonesia Februari 2020. Retrieved March 18, 2020, from www.bps.go.id website: https://www.bps.go.id/publication/2020/06/19/c0d3df055948f7bcb65890f0/keadaan-angkatan-kerja-di-indonesia-februari-2020.html
BPS.go.id. (2020b). Statistik Indonesia 2020. Retrieved November 10, 2020, from www.bps.go.id website: https://www.bps.go.id/publication/2020/04/29/e9011b3155d45d70823c141f/statistik-indonesia-2020.html
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107128.
CoÅŸkuner, S. (2016). Understanding factors affecting financial satisfaction: The influence of financial behavior, financial knowledge and demographics. Imperial Journal of Interdisciplinary Research, 2(5), 377385.
Diener, E., Suh, E. M., Lucas, R. E., & Smith, H. L. (1999). Subjective well-being: Three decades of progress. Psychological Bulletin, 125(2), 276302. https://doi.org/10.1037/0033-2909.125.2.276
Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment a model of financial satisfaction predictors: Examining the mediate effect of financial behaviour and financial strain. World Applied Sciences Journal, 20(2), 190197. https://doi.org/10.5829/idosi.wasj.2012.20.02.1832
Ferdinand, A. (2014). Metode Penelitian Manajemen Pedoman Penelitian Untuk Penulisan Skripsi Tesis dan Disertasi Ilmu Manajemen. Semarang: Badan Penerbit Universitas Diponegoro.
Ferrer-i-Carbonell, A., & Gërxhani, K. (2011). Financial Satisfaction and (in)formal Sector in a Transition Country. Social Indicators Research, 102(2), 315331. https://doi.org/10.1007/s11205-010-9684-6
Firmansyah, T. (2020). Perceraian di Pulau Jawa Meningkat Selama Pandemi Covid-19. Retrieved November 25, 2020, from Republika.co.id website: https://republika.co.id/berita/qfrx2f377/perceraian-di-pulau-jawa-meningkat-selama-pandemi-covid19
Furnham, A. (1984). Many sides of the coin: The psychology of money usage. Personality and Individual Differences, 5(5), 501509. https://doi.org/10.1016/0191-8869(84)90025-4
Garman, E. T., & Forgue, R. E. (2011). Personal Finance (9th ed.). Boston: Nelson Edition.
Grable, J. E., Cupples, S., Fernatt, F., & Anderson, N. R. (2013). Evaluating the Link Between Perceived Income Adequacy and Financial Satisfaction: A Resource Deficit Hypothesis Approach. Social Indicators Research, 114(3), 11091124. https://doi.org/10.1007/s11205-012-0192-8
Hakim, F. A., Sunarti, E., & Herawati, T. (2014). Manajemen Keuangan dan Kepuasan Keuangan Istri pada Keluarga dengan Suami Istri Bekerja. Jurnal Ilmu Keluarga Dan Konsumen, 7(3), 174182. https://doi.org/10.24156/jikk.2014.7.3.174
Halim, Y. K. E., & Astuti, D. (2015). Financial Stressors, Financial Behavior, Risk Tolerance, Financial Solvency, Financial Knowledge, dan Kepuasan Finansial. Jurnal Finesta, 3(1), 1923.
Hansen, T., Slagsvold, B., & Moum, T. (2008). Financial satisfaction in old age: A satisfaction paradox or a result of accumulated wealth? Social Indicators Research, 89(2), 323347. https://doi.org/10.1007/s11205-007-9234-z
Hasibuan, B. K., Lubis, Y. M., & HR, W. A. (2018). Financial Literacy and Financial Behavior as a Measure of Financial Satisfaction. Advances in Economics, Business and Management Research, 46(Ebic 2017), 503507. https://doi.org/10.2991/ebic-17.2018.79
Jatim.bps.go.id. (2019). Jumlah Perceraian di Provinsi Jawa Timur Menurut Faktor dan Kabupaten/Kota 2018. Retrieved October 30, 2020, from www.Jatim.bps.go.id website: https://jatim.bps.go.id/statictable/2019/10/11/1849/jumlah-perceraian-di-provinsi-jawa-timur-menurut-faktor-dan-kabupaten-kota-2018-.html
Joo, S. (2008). Personal financial wellness. In Handbook of Consumer Finance Research. https://doi.org/10.1007/978-0-387-75734-6_2
Ojk.go.id. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Retrieved November 26, 2020, from www.ojk.go.id website: https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-(Revisit-2017)-/SNLKI (Revisit 2017).pdf
Ojk.go.id. (2021). Siklus Kehidupan Keuangan. Retrieved March 11, 2021, from www.ojk.go.id website: https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Category/18
Parmitasari, R. D. A. (2018). Analysis of Ethics and Investor Behavior and Its Impact on Financial Satisfaction of Capital Market Investors. Scientific Research Journal, VI(I), 5169. Retrieved from http://www.scirj.org/jan-2018-paper.php?rp=P0118488
Robb, C. A., Chatterjee, S., Porto, N., & Cude, B. J. (2019). The Influence of Student Loan Debt on Financial Satisfaction. Journal of Family and Economic Issues, 40(1), 5173. https://doi.org/10.1007/s10834-018-9599-y
Rusdini, D. A., Indah, T., Mulyaningsih, S., Ghaisani, I., & Kautsar, A. (2020). Impact of Financial Knowledge , Socio-Demographics, and Debt on Financial Satisfaction of Kediri People. International Journal of Latest Engineering and Management Research (IJLEMR), 5(1), 5.
Rutherford, L. G., & Fox, W. S. (2010). Financial Wellness of Young Adults Age 18 30. Family & Consumer Sciences Research Journal, 38(4), 468484. https://doi.org/10.1111/j.1552-3934.2010.00039.x
Sawitri, N. N. (2018). Behavior in managing revenue to achieve financial satisfaction. Opcion, 34(86), 12741291. Retrieved from https://www.researchgate.net/publication/332263157_Behavior_in_managing_revenue_to_achieve_financial_satisfaction
Setiyani, R., & Solichatun, I. (2019). Financial Well-being of College Students: An Empirical Study on Mediation Effect of Financial Behavior. KnE Social Sciences, 3(11), 451474. https://doi.org/10.18502/kss.v3i11.4026
Sujarweni, V. W. (2014). Metode Penelitian: Lengkap, Praktis, dan Mudah Dipahami. Yogyakarta: Pustaka Baru Press.
Xiao, J. J., Chen, C., & Chen, F. (2014). Consumer financial capability and financial satisfaction. Social Indicators Research, 118(1), 415432. https://doi.org/10.1007/s11205-013-0414-8
Yap, richard josua christian, Komalasari, F., & Hadiansah, I. (2016). the effect of financial literacy and attitude on financial management behavior and satisfaction. International Journal of Administrative Science & Organization, 23(3), 140146.
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2021-06-30
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Sholihah, A. (2021). Kepuasan Finansial pada Individu Menikah di Kota Surabaya. Jurnal Ilmu Manajemen, 9(2), 499–510. https://doi.org/10.26740/jim.v9n2.p499-510
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