Analisis Tingkat Literasi Keuangan Mahasiswa Perguruan Tinggi Negeri
DOI:
https://doi.org/10.26740/jim.v10n2.p545-553Keywords:
age, financial literacy, gender, parent’s education, personal financeAbstract
This research aims to analyze the level of financial literacy of students of the Economic and Business Faculty. This research was designed as quantitative descriptive research. This research used a financial literacy test questionnaire to collect responses through purposive sampling. The result shows that the average financial literacy of students is in the high financial literacy category. Based on the outcome, students' financial literacy is influenced by parents' education. There is no significant influence of age and gender on students' financial literacy levels. Older students do not necessarily understand financial literacy, and younger students do not necessarily misunderstand financial literacy. Men and women students have the same perspective about financial literacy in this period. With this finding, students who receive or do not receive education or information about financial knowledge from their parents can dig deeper into financial concepts through formal and non-formal education, such as through universities, social media, and study group discussions. A high level of financial literacy can affect many social aspects of society, which are becoming more developed, and financial perspectives are becoming more modern.
References
Adipradana, A. A. (2021). Analisis Tingkat Literasi Keuangan Mahasiswa Akuntansi Fakultas Ekonomi Dan Bisnis Universitas Brawijaya Dan Faktor-Faktor Yang Memengaruhinya. Jurnal Ilmiah Mahasiswa Fakultas Ekonomi dan Bisnis, 10(1), 12-26. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/7765/6691#
Ajzen, I. (1991). The Theory of Planned Behavior. Health Communication, 50(2), 179-211. https://doi.org/10.1080/10410236.2018.1493416
Akmal, H., & Saputra, Y. E. K. A. (2016). Analisis tingkat literasi keuangan. Jebi (Jurnal Ekonomi Dan Bisnis Islam), 1(2), 235–244. http://journal.febi.uinib.ac.id/index.php/jebi/article/view/37
Apriyanti, T., Astuti, S., & Budi, I. S. (2021). Analisis Faktor-Faktor Yang Memengaruhi Tingkat Literasi Keuangan Mahasiswa (Studi Kasus pada Mahasiswa Fakultas Ekonomi dan Bisnis UPN “Veteran” Yogyakarta). Behavioral Accounting Journal. 4(1), 276–286. http://baj.upnjatim.ac.id/index.php/baj/article/view/113
BPS Surabaya. (2021). Pertumbuhan Ekonomi Kota Surabaya 2020. Badan Pusat Statistik Kota Surabaya: (https://surabayakota.bps.go.id/pressrelease/2021/03/18/236/pertumbuhan-ekonomi--kota-surabaya-2020.html, diakses 11 Juni2021)
Bryce, J. (2007). Financial Literacy of College Students: Parental and Peer Influences: Blacksburg: Virginia Polytechnic Institute and State University
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. An Analysis of Personal Financial Literacy Among College Students, 43(8), 107–128. https://doi.org/10.3788/CJL201643.0811001
Dewi, R. M., & Perdhana, M. S. (2016). Peran Gender, Usia, dan Tingkat Pendidikan terhadap Organizational Citizenship Behavior (OCB). Diponegoro Journal of Management, 5(2), 1–9. http://ejournal-s1.undip.ac.id/index.php/dbr
Garman, T., & Forgue, R. (2014). Personal Finance: Canada. Cengage Learning
Hasmori, A. A., Sarju, H., Norihan, I. S., Hamzah, R., & Saud, M. S. (2011). Pendidikan , Kurikulum dan Masyarakat: Satu Integrasi. Journal of Edupres, 1, 350–356.
Herawati, N. T. (2017). Tingkat Literasi Keuangan Mahasiswa serta Faktor-Faktor yang Memengaruhinya. Seminar Nasional Riset Inovatif 2017, 5, 131–137. http://eproceeding.undiksha.ac.id/index.php/senari/article/download/928/667/
Idris, M. (2021). Apa yang Dimaksud dengan Investasi ?. Kompas.com. (https://money.kompas.com/read/2021/06/04/155444726/apa-yang-dimaksud-dengan-investasi?page=all, diakses 11 Juni 2021)
Irman, M. (2018). Analisis Faktor-Faktor yang Memengaruhi Literasi Keuangan di Kalangan Mahasiswa Universitas Muhammadiyah Riau (Umri) Pekanbaru. Journal of Economic Business and Accounting (COSTING), 1(2), 180-197 https://doi.org/10.31539/costing.v1i2.205
Irman, M., Suwitho, & Fadrul. (2020). Sociodemographic Factors on Financial Literacy of University Students in Pekanbaru, Indonesia. International Journal of Economics Development Research (IJEDR), 1(3), 225–242. https://journal.yrpipku.com/index.php/ijedr/article/view/120
Jelen, G. F., & Williams, J. R. (1998). A Practical Approach to Measuring Assurance. Proceedings - Annual Computer Security Applications Conference, ACSAC, Cat. No. 98EX217, 333–343. https://doi.org/10.1109/CSAC.1998.738653
Kautsar, A., & Asandimitra, N. (2019). Financial Knowledge as Youth Preneur Success Factor. Jounal of Social and Development Sciences, 10(2), 26-32. https://doi.org/10.22610/jsds.v10i2(S).2906
Kusumawardhani, R., Cahyani, P. D., & Ningrum, N. K. (2020). Analisis Perbedaan Tingkat Literasi Keuangan antara Mahasiswa Fakultas Ekonomi dan Mahasiswa Fakultas Non-Ekonomi. Mix Jurnal Ilmiah Manajemen, 10(1), 15. https://doi.org/10.22441/mix.2020.v10i1.002
Lantara, I. W. N., & Kartini, N. K. R. (2015). Financial Literacy Among University Students: Empirical Evidence from Indonesia. Journal of Indonesian Economy and Business, 30(3), 247-256. https://doi.org/10.22146/jieb.10314
Margaretha, F., & Pambudhi, R. A. (2015). Tingkat Literasi Keuangan pada Mahasiswa S-1 Fakultas Ekonomi. Al-Ulum, 17(1), 44–64. https://doi.org/10.9744/jmk.17.1.76
Nababan, D., & Sadalia, I. (2013). Analisis Personal Financial Literacy dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara. Jurnal Ilmiah Mahasiswa, 1(1), 1-16.
Nurulhuda, E. S., & Lutfiati, A. (2020). Analisis Faktor-Faktor yang Memengaruhi Literasi Keuangan. KINERJA Jurnal Ekonomi dan Bisnis, 2(2), 111-134. http://repositori.uin-alauddin.ac.id/id/eprint/19857
OJK. (2019). Survei Nasional Literasi dan Inklusi Keuangan 2019. Otoritas Jasa Keuangan: (https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-2019.aspx, diakses 11 Juni 2021)
Pddikti kemendikbud (2021). Statistik Perguruan Tinggi. pddikti.kemdikbud.go.id (https://pddikti.kemdikbud.go.id/data_pt/Q0IxMTU0QjQtMTBCQS00NzEyLUI5MTYtMzYwNTFCQTdDMzJG, diakses 10 Desember 2021)
Rahmawaty, A. (2015). Harmoni dalam Keluarga Perempuan Karir : Upaya Mewujudkan Kesetaraan dan Keadilan Gender dalam Keluarga. Palastren, 8(1), 1–34.
Sabri, M. F., & MacDonald, M. (2010). Savings Behavior and Financial Problems Among College Students: The Role of Financial Literacy in Malaysia. Crosscultural Communication, 6(3), 103-110. http://www.cscanada.net/index.php/ccc/article/view/1468
Sugiharti, H., & Maula, K. A. (2019). Pengaruh Literasi Keuangan terhadap Perilaku Pengelolaan Keuangan Mahasiswa. Accounthink : Journal of Accounting and Finance, 4(2), 804–818. https://doi.org/10.35706/acc.v4i2.2208
Suherman, A., Wardani, E., & Lhusaini, K. (2020). Analisis Literasi Keuangan Mahasiswa di FKIP UNIS Tangerang. Jurnal Pendidikan Ekonomi, 13(1), 18–29. https://doi.org/10.17977/um014v13i12020p018
Suwaryo, P. A. W., & Yuwono, P. (2017). Faktor-faktor yang Memengaruhi Tingkat Pengetahuan Masyarakat dalam Mitigasi Bencana Alam Tanah Longsor. Urecol 6th, 1(37), 305–314.
Thapa, B. S. (2015). Financial Literacy in Nepal : A Survey Analysis from College Students. NRB Economic Review, 27(1), 49–74.
Wagland, S. P., & Taylor, S. (2009). When it Comes to Financial Literacy , is Gender Really an Issue ? Australasian Accounting, Business and Finance Journal, 3(1), 13–25. http://ro.uow.edu.au/aabfj/vol3/iss1/3
Widayati, I. (2012). Faktor-Fktor yang Memengaruhi Literasi Finansial Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya. Jurnal Akuntansi dan Pendidikan, 1(1), 89-99.
Widdowson, D., & Hailwood, K. (2007). Financial Literacy and its Role in Promoting a Sound financial System. Reserve Bank of New Zealand Bulletin, 70(2), 37–47.
Yushita, A. N. (2017). Pentingnya Literasi Keuangan bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi Dan Manajemen, 6(1), 11-26. https://doi.org/10.21831/nominal.v6i1.14330
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons:Attribution-NonCommercial 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.