Pengaruh Faktor Demografi terhadap Literasi Keuangan

Yusnita, Raja Ria; Abdi, Muhammad Nur

doi:10.31539/costing.v2i1.388

Cited by 13 publications

(14 citation statements)

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“…Secara keseluruhan responden pada penelitian ini memiliki latar pendidikan yang memadai serta pada rentang usia produktif. Hal tersebut termasuk diantara faktor pendukung dalam membentuk tingkat literasi pada masyarakat dari sisi demografi sosial sebagaimana temuan pada kajian-kajian terdahulu Bhushan & Medury (2013), Mbarire & Ali (2014), Yusnita & Abdi (2018, dan Dewanty & Isbanah (2018, yang menyimpulkan bahwa masyarakat dengan latar pendidikan yang memadai cenderung lebih mudah terpapar dengan informasi-informasi seputar keuangan.…”

Section: Hasil Dan Pembahasanunclassified

Tingkat Literasi Keuangan Syariah: Studi Pada Masyarakat Kota Banda Aceh

Nanda

Ayumiati

Wahyu

2019

jihbiz

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Pengetahuan, pemahaman serta kecakapan dalam mengelola keuangan merupakan sebuah keniscayaan pada era industry 4.0. Bukan hanya pada level korporasi, namun juga sampai pada orang pribadi, karena literasi keuangan yang baik dapat meningkatkan kualitas pengambilan keputusan guna mencapai kesejahteraan. Kajian ini menganalisis tingkat literasi keuangan syariah masyarakat Kota Banda Aceh. Aspek literasi keuangan syariah yang diuji meliputi: pengetahuan dasar keuangan syariah, tabungan dan pinjaman syariah, asuransi syariah, dan investasi syariah. Kajian ini dilakukan dengan pendekatan kuantitatif dengan metode survey, melalui penyebaran kuesioner terhadap responden. Analisis data dilakukan dengan statistik deskriptif, dan hasil analisis selanjutnya diklasifikasikan kedalam model tingkat literasi keuangan yang dirumuskan oleh chen & Volpe (1998). Populasi kajian ini yaitu masyarakat Kota Banda Aceh dengan rentang umur 20 s/d 39 tahun. Sampel yang digunakan sebanyak 108 orang dengan menggunakan teknik pengambilan area sampling. Hasil analisis menunjukkan bahwa tingkat literasi keuangan syariah masyarakat Kota Banda Aceh sebesar 71,99% atau berada pada kategori sedang. Nilai rata-rata setiap aspek yang diuji yaitu: pengetahuan dasar keuangan syariah (83,22%), tabungan dan pinjaman syariah (66,67%), asuransi syariah (65,93%), dan aspek invetasi syariah (71,85%). Penulis akhirnya merekomendasikan kepada pihak terkait untuk terus memperkuat serta memperluas edukasi kepada masyarakat terkait keuangan syariah, agar dapat menunjang pengelolaan keuangan yang searah dengan prinsip syariah serta menjadi dasar dalam pengambilan keputusan pada aspek ekonomi dan keuangan oleh masyarakat.

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Section: Hasil Dan Pembahasanunclassified

Tingkat Literasi Keuangan Syariah: Studi Pada Masyarakat Kota Banda Aceh

Nanda

Ayumiati

Wahyu

2019

jihbiz

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“…There are differences in research results related to demographic factors that affect financial literacy. Yusnita & Abdi (2018), in their research, found that the literacy level of the microenterprises they studied was still low. The results showed that income level had a significant effect on financial literacy, while age, education level, and length of business did not have a significant effect.…”

Section: Financial Literacymentioning

confidence: 93%

Financial Literacy, Risk Tolerance, and Financial Management of Micro-enterprise Actors

Hirawati

Sijabat

Giovanni

2021

Society (Bangka. Online)

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Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy andtolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.

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“…Individual perspectives also include beliefs. a person's ability to be successful and deal with financial problems as well as possible; this is often referred to as self-efficacy [9,10].…”

Section: Demographic Factorsmentioning

confidence: 99%

Demographic Factors, Self-efficacy on Financial Literacy in Upla

Suaebah

Suciati

2022

KSS

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Financial literacy is the knowledge and ability of financial management that allows individuals to manage their finances more effectively. For managing finances, farmers in Indonesia still rely on informal financial institutions. There are several reasons for this – the farmers’ location being substantially far from the locations of financial institutions, their age and varied educational levels, and the level of confidence in achieving success in agriculture. This study, thus, identifies and analyzes the demographic factors and self-efficacy in financial literacy in upland horticultural crop farmers. The study population was upland horticultural plant farmers, the sampling technique was probability sampling, and the analysis was done using the two-way ANOVA technique. The results show a significant difference in the financial literacy between women and men. Although no difference was seen in the farmers’ financial literacy based on their age, a significant difference was noted based on their education. Additionally, a substantial difference was seen in the understanding based on self-efficacy. Keywords: demographic factors, self-efficacy, financial literacy

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Pengaruh Faktor Demografi terhadap Literasi Keuangan

Cited by 13 publications

References 0 publications

Tingkat Literasi Keuangan Syariah: Studi Pada Masyarakat Kota Banda Aceh

Tingkat Literasi Keuangan Syariah: Studi Pada Masyarakat Kota Banda Aceh

Financial Literacy, Risk Tolerance, and Financial Management of Micro-enterprise Actors

Demographic Factors, Self-efficacy on Financial Literacy in Upla

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