Faktor-faktor yang mempengaruhi literasi keuangan generasi Z
Abstract
Tujuan penelitian ini untuk memetakan tingkat literasi keuangan mahasiswa jurusan Manajemen Fakultas Ekonomi UNISKA Kediri dan menganalisis pengaruh gender, usia, pekerjaan orang tua, jumlah penghasilan orang tua mahasiswa terhadap tingkat literasi keuangan. Jenis penelitian menggunakan kuantitatif dengan populasi seluruh mahasiswa program studi manajemen. Pengambilan sampel menggunakan stratified random sampling, dengan jumlah sampel 343 mahasiswa. Tes literasi keuangan dilakukan untuk menilai tingkat literasi keuangan mahasiswa kemudian di analisis menggunakan analisis regresi berganda. Hasil penelitian menunjukkan gender berpengaruh signifikan dan positif terhadap literasi keuangan. Usia berpengaruh tidak signifikan dan negatif terhadap literasi keuangan. Pekerjaan orang tua berpengaruh tidak signifikan dan negatif terhadap literasi keuangan. Penghasilan orang tua berpengaruh signifikan dan positif terhadap literasi keuangan.
References
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Noctor, M., Stoney, S., & Stradling, R. (1992). Financial literacy: a discussion of concepts and competences of financial literacy and opportunities for its introduction into young people’s learning. National Foundation for Educational Research.
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Soraya, E., & Lutfiati, A. (2020). Analisis Faktor-Faktor Yang Mempengaruhi Literasi Keuangan. Kinerja, 2(02), 111–134. https://doi.org/10.34005/kinerja.v3i01.966
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, Dan R&D.
Susan, M. (2020). Financial literacy and growth of micro, small, and medium enterprises in west java, indonesia. In International Symposia in Economic Theory and Econometrics (Vol. 27, pp. 39–48). https://doi.org/10.1108/S1571-038620200000027004
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Ulfatun, T., Udhma, U. S., & Dewi, R. S. (2016). Analisis Tingkat Literasi Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta Tahun Angkatan 2012-2014. Pelita, XI(2), 1–13.
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Astuti, R. P. F. (2016). PENGARUH STATUS SOSIAL EKONOMI ORANG TUA, LITERASI EKONOMI DAN LIFE STYLE TERHADAP PERILAKU KONSUMSI MAHASISWA JURUSAN PENDIDIKAN EKONOMI IKIP PGRI BOJONEGORO. Jurnal Pendidikan Edutama, 3(2), 49–58.
Buchdadi, A. D., Sholeha, A., Ahmad, G. N., & Mukson, M. (2020). The influence of financial literacy on SMEs performance through access to finance and financial risk attitude as mediation variable. Academy of Accounting and Financial Studies Journal, 24(5), 1–16.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/s1057-0810(99)80006-7
Desiyanti, R., & Kassim, A. A. M. (2020). Financial Literacy on Business Performance: The Moderating Effect of Religiosity Among SMEs In Sumatera, Indonesia. International Journal of Academic Research in Accounting, Finance and Management Sciences, 10(2), 87–99. https://doi.org/10.6007/ijarafms/v10-i2/7371
Ferdinand, A. (2006). Metode Penelitian Manajemen. Semarang: Badan Penerbit Universitas Diponegoro.
Firli, A. (2017). Factors that Influence Financial Literacy: A Conceptual Framework. IOP Conf. Series: Materials Science and Engineering, 180, 1–7. https://doi.org/10.1088/1742-6596/755/1/011001
Ghozali, I. (2018). Aplikasi analisis multivariate dengan program IBM SPSS 25. Semarang: Badan Penerbit Undip.
Herawati, N. T. (2017). Tingkat Literasi Keuangan Mahasiswa serta Faktor-Faktor yang Mempengaruhinya. Seminar Nasional Riset Inovatif 2017, 5, 131–137. http://eproceeding.undiksha.ac.id/index.php/senari/article/download/928/667/
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
Keown, L.-A. (2011). The financial knowledge of Canadians. Component of Statistics Canada Catalogue, 11-008–X.
Klapper, L., Lusardi, A., & Panos, G. A. (2013). Financial literacy and its consequences: Evidence from Russia during the financial crisis. Journal of Banking and Finance, 37(10), 3904–3923. https://doi.org/10.1016/j.jbankfin.2013.07.014
Laily, N. (2016). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. Journal of Accounting and Business Education, 1(4). https://doi.org/10.26675/jabe.v1i4.6042
Loke, Y. J., Chin, P. N., & Hamid, F. S. (2022). Financial Literacy in Malaysia , 2015 – 2018. Malaysian Journal of Economic Studies, 59(2), 171–197.
Lusardi, A, & Mitchell, O. S. (2011). Financial literacy around the world: An overview. Journal of Pension Economics and Finance, 10(4), 497–508. https://doi.org/10.1017/S1474747211000448
Lusardi, Annamaria, Mitchell, O. S., & Curto, V. (2009). Financial Literacy Among the Young: Evidence and Implications For Cunsumer Policy. National Bureau of Economic Research, 15352(September), 358–380. https://www.nber.org/papers/w15352.pdf
Lusardi, Annamaria, Mitchell, O. S., & Mitchell, O. S. (2011). Financial literacy and retirement planning in the United States. Journal of Pension Economics and Finance, 10(4), 509–525. https://doi.org/10.1017/S147474721100045X
Majid, R., & Nugraha, R. A. (2022). Crowdfunding and Islamic Securities: the Role of Financial Literacy. Journal of Islamic Monetary Economics and Finance, 8(1), 89–112. https://doi.org/10.21098/jimf.v8i1.1420
Margaretha, F., & Pambudhi, R. A. (2015). Tingkat Literasi Keuangan Pada Mahasiswa S-1 Fakultas Ekonomi. JMK, 17(1), 76–85. https://doi.org/10.9744/jmk.17.1.76
Margaretha, F., & Sari, S. M. A. Y. (2015). Faktor Penentu Tingkat Literasi Keuangan Para Pengguna Kartu Kredit di Indonesia. Journal of Accounting and Investment, 16(2), 132–144. https://doi.org/10.18196/JAI-2015.0038
Nidar, S. R., & Bestari, S. (2012). Personal Financial Literacy Among University Students (Case Study at Padjadjaran University Students , Bandung , Indonesia). World Journal of Social Sciences, 2(4), 162–171.
Ningtyas, M. N. (2019). Literasi Keuangan pada Generasi Milenial. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 13(1), 20–27. https://doi.org/10.32812/jibeka.v13i1.111
Noctor, M., Stoney, S., & Stradling, R. (1992). Financial literacy: a discussion of concepts and competences of financial literacy and opportunities for its introduction into young people’s learning. National Foundation for Educational Research.
OECD. (2014). PISA 2012 Results: Students and Money: Financial Literacy Skills for the 21st Century (Volume VI). PISA, OECD Publishing.
Potrich, A. C. G., Vieira, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. Management Research Review, 39(3), 356–376. https://doi.org/10.1108/MRR-06-2014-0143
Putri, H. N., & Elvi, R. (2019). PENGARUH PENDAPATAN ORANG TUA TERHADAP PERILAKU KEUANGAN MAHASISWA PENDIDIKAN EKONOMI FE UNP. EcoGen, 2(3), 315–326. http://ejournal.unp.ac.id/students/index.php/pek/article/view/7373/3420
Putry, R. (2016). Manifestasi Kesetaraan Gender Di Perguruan Tinggi. JURNAL EDUKASI: Jurnal Bimbingan Konseling, 2(2), 164. https://doi.org/10.22373/je.v2i2.814
Rasyid, R. (2012). Analisis Tingkat Literasi Keuangan Mahasiswa Program Studi Manajemen Fakultas Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis, 1(2), 91–106.
Ritakumalasari, N., & Susanti, A. (2021). Literasi Keuangan, Gaya Hidup, Locus of Control, Dan Parental Income Terhadap Perilaku Keuangan Mahasiswa. Jurnal Ilmu Manajemen, 9(4), 1440–1450. https://doi.org/10.26740/jim.v9n4.p1440-1450
Sasongko, S. S. (2009). Konsep dan Teori Gender. Cetakan Kedua. Jakarta: Pusat Pelatihan Gender dan Peningkatan Kualitas Perempuan.
Soraya, E., & Lutfiati, A. (2020). Analisis Faktor-Faktor Yang Mempengaruhi Literasi Keuangan. Kinerja, 2(02), 111–134. https://doi.org/10.34005/kinerja.v3i01.966
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, Dan R&D.
Susan, M. (2020). Financial literacy and growth of micro, small, and medium enterprises in west java, indonesia. In International Symposia in Economic Theory and Econometrics (Vol. 27, pp. 39–48). https://doi.org/10.1108/S1571-038620200000027004
Syuliswati, A. (2019). Pengaruh Gender, Usia, IPK Terhadap Literasi Keuangan Mahasiswa Juru. Akuntansi Bisnis & Manajemen (ABM), 26(1), 15–31.
Ulfatun, T., Udhma, U. S., & Dewi, R. S. (2016). Analisis Tingkat Literasi Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta Tahun Angkatan 2012-2014. Pelita, XI(2), 1–13.
Vhalery, R., Leksono, A. W., & Irvan Moh. (2019). Pengaruh Literasi Keuangan, Usia, Dan Bimbingan Orang Tua Terhadap Pengelolaan Uang Saku Mahasiswa Unindra. Jurnal Pendidikan Ekonomi, 12(1), 10–11.
Widayati, I. (2012). FAKTOR-FAKTOR YANG MEMPENGARUHI LITERASI FINANSIAL MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS BRAWIJAYA. ASSET: Jurnal Akuntansi Dan Pendidikan, 1(1), 89–99. https://doi.org/10.1107/S1600536809037635
Wiharno, H., & Nurhayati, E. (2017). LITERASI KEUANGAN DI KALANGAN MAHASISWA (Survei Pada mahasiswa Universitas Kuningan). JRKA (Jurnal Riset Keuangan Dan Akuntansi), 3(2), 20–33.
Published
2023-10-01
How to Cite
IDRIS, Ahmad et al.
Faktor-faktor yang mempengaruhi literasi keuangan generasi Z.
Jurnal Cendekia Keuangan, [S.l.], v. 2, n. 2, p. 82-93, oct. 2023.
ISSN 2810-0964.
Available at: <https://ejournal.uniska-kediri.ac.id/index.php/JCK/article/view/3717>. Date accessed: 21 dec. 2024.
doi: https://doi.org/10.32503/jck.v2i2.3717.
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Articles
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