Faktor-Faktor yang Memengaruhi Kecemasan Keuangan pada Remaja Kota Surabaya
DOI:
https://doi.org/10.26740/jim.v9n2.p511-521Keywords:
debt, financial anxiety, financial knowledge, financial satisfaction, incomeAbstract
This study is the first study in Indonesia that examines the factors that influence financial anxiety. Financial anxiety is a negative psychological impact where there is a decrease in various aspects so that, in total, it causes stress levels to jump. This study focuses on adolescents who live in Surabaya, which, based on BPS data, the city of Surabaya has the largest population in East Java and is dominated by adolescents. This study aims to determine the effect of income, debt, financial knowledge, and financial satisfaction on financial anxiety. Data were collected by distributing online questionnaires with random sampling methods to 154 respondents. Then, data were tabulated in excel, analyzed and processed using multiple linear regression in SPSS. The result of this study indicates that none of the independent variables affects financial anxiety. This is presumably due to the lack of public knowledge about financial anxiety, especially among Surabaya adolescents. Few studies examine financial anxiety as the dependent variable, which thought to cause limited public knowledge about this topic. Therefore, this study is expected to increase knowledge, literacy, and public awareness regarding financial anxiety, especially to adolescents in Surabaya.
References
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Archuleta, Kristy L., Anita Dale, and Scott M. Spann. (2013). College Students and Financial Distress: Exploring Debt, Financial Satisfaction, and Financial Anxiety. Journal of Financial Counseling and Planning 24(2):5062.
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Chen, Haiyang, and Ronald P. Volpe. (1998). An Analysis of Personal Financial Literacy among College Students. Financial Service Review 7(2):10728. doi: 10.1016/S1057-0810(99)80006-7.
CoÅŸkuner, Selda. (2016). Understanding Factors Affecting Financial Satisfaction: The Influence of Financial Behavior, Financial Knowledge and Demographics. Imperial Journal of Interdisciplinary Research 2(5):37785.
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Joo, So-hyun, and John E. Grable. (2004). An Exploratory Framework of the Determinants of Financial Satisfaction. Journal of Business Ethics 51(1):3139. doi: 10.1023/B.
Munawir. (2004). Analisis Laporan Keuangan. 4th ed. Jogjakarta: Liberty.
Musabiq, Sugiarti, and Isqi Karimah. (2018). Gambaran Stress dan Dampaknya pada Mahasiswa. Insight: Jurnal Ilmiah Psikologi 20(2):74. doi: 10.26486/psikologi.v20i2.240.
Oman, Doug, Shauna L. Shapiro, Carl E. Thoresen, Thomas G. Plante, and Tim Flinders. (2008). Meditation Lowers Stress and Supports Forgiveness among College Students: A Randomized Controlled Trial. Journal of American College Health 56(5):56978. doi: 10.3200/JACH.56.5.569-578.
Perna, Laura W. (2008). Understanding High School Students Willingness to Borrow to Pay College Prices. Research in Higher Education 49(7):589606. doi: 10.1007/s11162-008-9095-6.
Pierceall, Emily A., and Marybelle C. Keim. (2007). Stress and Coping Strategies among Community College Students. Community College Journal of Research and Practice 31(9):70312. doi: 10.1080/10668920600866579.
Plagnol, Anke C. (2011). Financial Satisfaction over the Life Course: The Influence of Assets and Liabilities. Journal of Economic Psychology 32(1):4564. doi: 10.1016/j.joep.2010.10.006.
Potter D., Jayne D., and Britt S. (2017). Financial Anxiety of First Generation College Students.American Council on Consumer Interests 63(number):1-8.
Rahmawati, Mega Nur, Slamet Rohaedi, and Sri Sumartini. (2019). Tingkat Stres dan Indikator Stres pada Remaja yang Melakukan Pernikahan Dini. Jurnal Pendidikan Keperawatan Indonesia 5(1):2533. doi: 10.17509/jpki.v5i1.11180.
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Ross, S. E. B., Niebling, C., & Heckert, T. M. (1999). Sources of Stress among College Students. College Students Journal, 33(2), 312318.
Rusdini, Dinda Arfiana. (2020). Faktor yang Memengaruhi Financial Satisfaction pada Masyarakat Kabupaten Pamekasan. Jurnal Ilmu Manajemen 9(1), 1-9.
Shapiro, Gilla K., and Brendan J. Burchell. (2012). Measuring Financial Anxiety. Journal of Neuroscience, Psychology, and Economics 5(2):92103. doi: 10.1037/a0027647.
Susan, Marcellia, and Hamfri Djajadikerta. (2017). Understanding Financial Knowledge, Financial Attitude, and Financial Behavior of College Students in Indonesia. Advanced Science Letters 23(9):876265. doi: 10.1166/asl.2017.9966.
World Health Organization. (2018). Adolescent Health in the South-East Asia Region. https://www.who.int/southeastasia/health-topics/adolescent-health. Diakses pada 19 Januari 2021.
Yanti, Supri, Erlamsyah Erlamsyah, and Zikra Zikra. (2013). Hubungan antara Kecemasan dalam Belajar dengan Motivasi Belajar Siswa. Konselor 2(1):28388. doi: 10.24036/02013211242-0-00.
Yulianti, Rina. (2010). Dampak yang Ditimbulkan Akibat Perkawinan Usia Dini. Pamator Journal 3(1):15.
Ajzen, Icek. (1991). The Theory of Planned Behavior Organizational Behavior and Human Decision Processes. Organizational Behavior and Human Decision Processes 50(2):179211.
Archuleta, Kristy L., Anita Dale, and Scott M. Spann. (2013). College Students and Financial Distress: Exploring Debt, Financial Satisfaction, and Financial Anxiety. Journal of Financial Counseling and Planning 24(2):5062.
Arifin, A. Z. (2018). Influence Factors Toward Financial Satisfaction with Financial Behavior as Intevening Variable on Jakarta Area Workforce. European Research Studies Journal 21(1), 90-103.
BPS. (2019a). Proyeksi Penduduk Kota Surabaya Menurut Jenis Kelamin dan Kelompok Umur Tahun 2019. Badan Pusat Statistik. https://surabayakota.bps.go.id/dynamictable/2018/04/18/23/proyeksi-penduduk-kota-surabaya-menurut-jenis-kelamin-dan-kelompok-umur-tahun-2019.html. Ddiakses pada 21 Januari 2021
BPS. (2019b). Proyeksi Penduduk Menurut Kabupaten/Kota dan Jenis Kelamin Di Jawa Timur Tahun 2019. Badan Pusat Statistik. https://jatim.bps.go.id/dynamictable/2018/02/05/315/proyeksi-penduduk-menurut-kabupaten-kota-dan-jenis-kelamin-di-jawa-timur-2019-.html. Diakses pada 21 Januari 2021
Britt, Sonya L., Melanie R. Mendiola, Gregory H. Schink, Racquel H. Tibbetts, and Scott H. Jones. (2016). Financial Stress, Coping Strategy, and Academic Achievement of College Students. Journal of Financial Counseling and Planning 27(2):17283. doi: 10.1891/1052-3073.27.2.172.
Chen, Haiyang, and Ronald P. Volpe. (1998). An Analysis of Personal Financial Literacy among College Students. Financial Service Review 7(2):10728. doi: 10.1016/S1057-0810(99)80006-7.
CoÅŸkuner, Selda. (2016). Understanding Factors Affecting Financial Satisfaction: The Influence of Financial Behavior, Financial Knowledge and Demographics. Imperial Journal of Interdisciplinary Research 2(5):37785.
Degnan, Kathryn A., Alisa N. Almas, and Nathan A. Fox. (2010). Temperament and the Environment in the Etiology of Childhood Anxiety. Journal of Child Psychology and Psychiatry and Allied Disciplines 51(4):497517. doi: 10.1111/j.1469-7610.2010.02228.x.
Diener, Ed, Eunkook Suh, Richard E. Lucas, and Heidi L. Smith. (1999). Subjective Weil-Being: Three Decades of Progress. Psychological Bulletin 125(2):276302. doi: 10.1037/0033-2909.125.2.276.
Diener, Ed, Eunkook Suh, and Shigehiro Oishi. (1997). Recent Findings on Subjective Well-Being. Indian Journal of Clinical Psychology 24(1):2541.
Dixon, Wayne A., Kimberly G. Rumford, P. Paul Heppner, and Barbara J. Lips. (1992). Use of Different Sources of Stress to Predict Hopelessness and Suicide Ideation in a College Population. Journal of Counseling Psychology 39(3):34249. doi: 10.1037/0022-0167.39.3.342.
Dwyer, Rachel E., Laura McCloud, and Randy Hodson. (2011). Youth Debt, Mastery, and Self-Esteem: Class-Stratified Effects of Indebtedness on Self-Concept. Social Science Research 40(3):72741. doi: 10.1016/j.ssresearch.2011.02.001.
Elvira, Sylvia Detri, and Gitayanti Hadisukanto, eds. (2010). Buku Ajar Psikiatri Universitas Indonesia. Edisi Keti. Jakarta: Badan Penerbit Fakultas Kedokteran Universitas Indonesia.
Ghozali, Imam. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25. 9th ed. Semarang: Badan Penerbit Universitas Diponegoro.
Hakim, I. M. (2017). Pengaruh Financial Knowledge, Income, dan Financial Attitude terhadap Financial Management Behaviour pada Pengusaha Bordir Kota Tasikmalaya. Jurnal Manajemen Universitas Universitas Siliwangi 6(2).
Herdjiono, Irine, and Lady Angela Damanik. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan| Journal of Theory and Applied Management 9(3):22641. doi: 10.20473/jmtt.v9i3.3077.
Hira, Tahira K., and Olive M. Mugenda. (1998). Predictors of Financial Satisfaction: Differences between Retirees and Non-Retirees. Journal of Financial Counseling and Planning 9(2):7584. doi: 10.1.1.576.3209.
Huston, Sandra J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs 44(2):296316. doi: 10.1111/j.1745-6606.2010.01170.x.
Jones, Payton J., So Yeon Park, and G. Tyler Lefevor. (2018). Contemporary College Student Anxiety: The Role of Academic Distress, Financial Stress, and Support. Journal of College Counseling 21(3):25264. doi: 10.1002/jocc.12107.
Joo, So-hyun, and John E. Grable. (2004). An Exploratory Framework of the Determinants of Financial Satisfaction. Journal of Business Ethics 51(1):3139. doi: 10.1023/B.
Munawir. (2004). Analisis Laporan Keuangan. 4th ed. Jogjakarta: Liberty.
Musabiq, Sugiarti, and Isqi Karimah. (2018). Gambaran Stress dan Dampaknya pada Mahasiswa. Insight: Jurnal Ilmiah Psikologi 20(2):74. doi: 10.26486/psikologi.v20i2.240.
Oman, Doug, Shauna L. Shapiro, Carl E. Thoresen, Thomas G. Plante, and Tim Flinders. (2008). Meditation Lowers Stress and Supports Forgiveness among College Students: A Randomized Controlled Trial. Journal of American College Health 56(5):56978. doi: 10.3200/JACH.56.5.569-578.
Perna, Laura W. (2008). Understanding High School Students Willingness to Borrow to Pay College Prices. Research in Higher Education 49(7):589606. doi: 10.1007/s11162-008-9095-6.
Pierceall, Emily A., and Marybelle C. Keim. (2007). Stress and Coping Strategies among Community College Students. Community College Journal of Research and Practice 31(9):70312. doi: 10.1080/10668920600866579.
Plagnol, Anke C. (2011). Financial Satisfaction over the Life Course: The Influence of Assets and Liabilities. Journal of Economic Psychology 32(1):4564. doi: 10.1016/j.joep.2010.10.006.
Potter D., Jayne D., and Britt S. (2017). Financial Anxiety of First Generation College Students.American Council on Consumer Interests 63(number):1-8.
Rahmawati, Mega Nur, Slamet Rohaedi, and Sri Sumartini. (2019). Tingkat Stres dan Indikator Stres pada Remaja yang Melakukan Pernikahan Dini. Jurnal Pendidikan Keperawatan Indonesia 5(1):2533. doi: 10.17509/jpki.v5i1.11180.
Riskesdas. (2020). Laporan Provinsi Jawa Timur Riskesdas 2018. https://ejournal2.litbang.kemkes.go.id/index.php/lpb/article/view/3752. Diunduh pada 22 Januari 2021
Ross, S. E. B., Niebling, C., & Heckert, T. M. (1999). Sources of Stress among College Students. College Students Journal, 33(2), 312318.
Rusdini, Dinda Arfiana. (2020). Faktor yang Memengaruhi Financial Satisfaction pada Masyarakat Kabupaten Pamekasan. Jurnal Ilmu Manajemen 9(1), 1-9.
Shapiro, Gilla K., and Brendan J. Burchell. (2012). Measuring Financial Anxiety. Journal of Neuroscience, Psychology, and Economics 5(2):92103. doi: 10.1037/a0027647.
Susan, Marcellia, and Hamfri Djajadikerta. (2017). Understanding Financial Knowledge, Financial Attitude, and Financial Behavior of College Students in Indonesia. Advanced Science Letters 23(9):876265. doi: 10.1166/asl.2017.9966.
World Health Organization. (2018). Adolescent Health in the South-East Asia Region. https://www.who.int/southeastasia/health-topics/adolescent-health. Diakses pada 19 Januari 2021.
Yanti, Supri, Erlamsyah Erlamsyah, and Zikra Zikra. (2013). Hubungan antara Kecemasan dalam Belajar dengan Motivasi Belajar Siswa. Konselor 2(1):28388. doi: 10.24036/02013211242-0-00.
Yulianti, Rina. (2010). Dampak yang Ditimbulkan Akibat Perkawinan Usia Dini. Pamator Journal 3(1):15.
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2021-06-30
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Sekarkinasih, J. (2021). Faktor-Faktor yang Memengaruhi Kecemasan Keuangan pada Remaja Kota Surabaya. Jurnal Ilmu Manajemen, 9(2), 511–521. https://doi.org/10.26740/jim.v9n2.p511-521
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