Model perencanaan keuangan keluarga: peran literasi, sikap keuangan dan pendapatan

Abstract

Financial planning refers to how well a person plans and manages his finances to meet financial needs. This study examines the impact of financial literacy, financial attitudes, and income on family financial planning in Surabaya and Sidoarjo in the family. The sample was taken using purposive sampling. This study uses quantitative data from the Surabaya and Sidoarjo community as a population. The data were collected using a survey method by distributing questionnaires online. This study's analysis technique is Structural Equation Model (SEM PLS). The results showed that in Surabaya and Sidoarjo, financial attitudes had a significant positive effect on family financial planning. However, financial literacy and income had no significant positive effects on family financial planning. A good financial mindset makes it easier for individuals to manage risk, invest, prepare for retirement, and distribute wealth. This has implications for the people of Surabaya City and Sidoarjo Regency further to improve their attitudes towards finances and their income so that they are more optimal in carrying out their family financial planning. In addition, the government and related institutions need to increase and provide more education and socialization about the banking world and knowledge about investment and insurance so that public literacy is even higher.