Analisis Literasi Keuangan Pedagang Di Pasar Oesapa Kota Kupang Nusa Tenggara Timur

Abstract

This research aims to analyze the literacy levels of Oesapa Market traders. This research is a quantitative descriptive by using survey method. There are four indicators that used in this research, that indicators are: 1) Financial Knowledge,2) Financial Behaviour, 3) Financial attitudes and 4) Banking Technology. The population in this study was all traders in Oesapa Market and the sample in the study were 90 respondents from the entire population. Primary data were obtained from respondents by using questionnaires and direct interview with each respondents. The result of this research shows that literacy level of Oesapa Market traders be in moderate level which is for financial knowledge, financial behaviour and financial attitude be in moderate level, while banking technology conception in low levels. But for totality literacy level is moderat, it means that Oesapa Market traders have a knowledge and belief to Financial institution but they are not skilful to use products/services of financial institution.

The Analysis of Financial Literacy of Traditional Market Seller

“…Sine et al, [7] study result found that overall, based on the indicators of financial literacy, it can be said that the financial literacy of traditional market seller in Oesapa Market was categorised medium. It means that they have knowledge and trust to formal financial institution but they did not have skills in utilising the products and services of the financial institution.…”

Penguatan Literasi Keuangan pada Siswa SMA Assa’adah

“…Literasi keuangan atau kesadaran atas pengelolaan keuangan melihatkan bahwa seseorang tersebut memiliki modal untuk ketercapaian kesejahteraan keuangan [3]. Literasi keuangan mengacu pada proses atau kegiatan mendidik masyarakat tentang keuangannya dan komponennya untuk lebih memahami keuangan dan komponennya dan membantu mereka dalam mencapai tujuan keuangan yang diinginkan [4]. Literasi keuangan dapat membantu seseorang jauh dari resiko keuangan dan kesalahan dalam pengelolaan keuangan, sebab malasah keuangan tidak seluruhnya disebabkan oleh besaran pendapatan yang diperoleh seseorang [5].…”

Pengaruh Financial Knowledge Dan Financial Attitude Terhadap Financial Well-Being Dengan Financial Management Behavior Sebagai Variabel Intervening Pada Anggota Koperasi Kredit Di Kabupaten Sikka, Provinsi Nusa Tenggara Timur

“…(Widayati, 2012). Menurut Suryani (2008), factor-faktor yang mempengaruhi pembentukan sikap adalah pengalaman langsung, keluarga, teman sebaya, pemasaran langsung dan tayangan media masa.…”