Pengaruh Financial Attitude, Financial Education, Financial Knowledge, Financial Experience, Dan Financial Behavior Terhadap Financial Literacy Pada Pelajar Kota Batam

Marheni, Dewi Khornida

doi:10.37253/jgbmr.v2i1.790

Cited by 7 publications

(8 citation statements)

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“…The third hypothesis is accepted since the study reveals that Jakarta high school students' financial attitudes negatively influence consumptive behavior. These insights align with findings from (Prihastuty & Rahayuningsih, 2018;Wahyuni & Raprayogha, 2021), who claim that financial attitude significantly affects consumptive behavior. The fourth hypothesis is accepted as the results of the study show that financial literacy, which includes financial knowledge, financial behavior, and financial attitude, together have a negative influence on the consumptive behavior of high school students in Jakarta.…”

Section: Discussionsupporting

confidence: 87%

The Influence of Financial Literacy on Consumptive Behavior Among High School Students in Jakarta

Mosca Shabrina Djajadiningrat

2023

JIMS

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This research addresses the prevalent issue of consumerism and its relationship with financial literacy among high school students in Jakarta. Influenced by rapid urbanization, global cultural norms, and digital technologies, consumptive behavior is prominent, especially among urban youth. Recognizing financial literacy, which encompasses financial knowledge, attitudes, and behaviors, as a critical factor influencing consumerism, this study sought to examine this complex interplay. This study was collected through an online questionnaire and involved 120 respondents of high school students in Jakarta. The multiple linear regression analysis was performed using SPSS to analyze the results. The result revealed a moderate level of financial literacy among high school students in Jakarta, with a score of 63.55. However, this score is very close to the lower end of the moderate spectrum, indicating a widespread low level of financial literacy. At the same time, the high cost of living in Jakarta and the ready availability of consumer goods can lead to uninformed financial decisions and impulsive spending. The findings underscore the significant impact of financial literacy, which includes financial knowledge, behavior, and attitudes, on the consumptive behavior of these students. Therefore, fostering improved student financial attitudes and behaviors is essential for prudent financial management and spending. Given the scope of the study, future research could include additional variables that impact consumer behavior to provide a more comprehensive understanding.

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Section: Discussionsupporting

confidence: 87%

The Influence of Financial Literacy on Consumptive Behavior Among High School Students in Jakarta

Mosca Shabrina Djajadiningrat

2023

JIMS

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“…Although financial knowledge in this study was stated to have no influence on sharia financial literacy, this may be contrary to the general view that financial knowledge will influence financial literacy , so in this case it can be assumed to include sharia financial literacy. However, there are research results which apparently have conclusions in line with this research, namely the conclusions from Justyn & Mahreni (Justyn & Marheni, 2020) which states that financial knowledge (and financial education ) does not have a significant influence on financial literacy. Several other studies also have results showing that financial knowledge does not have a significant effect on financial literacy (Dahlia et al, 2009;Frijns et al, 2014;Rai et al, 2019) .…”

Section: A Analysis Of the Relationship Between Financial Knowledge A...supporting

confidence: 67%

Determinants of the Level of Sharia Financial Literacy among Muslimah in Jabodetabek

Saleh

2023

jss

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As being known, financial literacy by definition, is knowledge, skills, and beliefs in which in many references influence attitudes and behavior of an individual to improve the quality of decision-making and financial management in order to achieve welfare. In Islamic financial literacy, welfare is falah. This study aims to determine the determinants of Islamic financial literacy levels in 391 productive age Muslim women in Jabodetabek. Methods of data analysis in this research using purposive sampling method and using SEM-PLS analysis. The results showed that of the four variables studied, the financial knowledge variable had no significant influence on Islamic financial literacy. While three other variables (financial attitude, financial behavior and religiosity) show significant influence to Islamic financial literacy.

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“…Then Lusardi (Lusardi, 2008) said that low financial knowledge can lead to lower levels of financial planning and higher levels of use of alternative financial services. Good financial knowledge will influence decision-making regarding financial products, which in turn improves people's savings rates and creditworthiness (Justyn & Marheni, 2021). In addition, increasing knowledge about financial institutions will have an impact on financial inclusion because people who have knowledge will more easily access services from financial institutions (Atkinson & Messy, 2012).…”

Section: Financial Knowledge Has An Influence On Financial Inclusionmentioning

confidence: 99%

Financial Inclusion in the Use of Digital Banking Services in Jakarta

Natsir,

Arifin,

Ronald

2023

ijaeb

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Financial inclusion involves providing access to safe, convenient and affordable financial services for other disadvantaged and vulnerable groups, including low-income, rural and undocumented communities, who have been underserved or excluded from the formal financial sector. One of the services is provided by the bank to support the smooth and easy banking activities such as in transactions and other activities. This study aims to investigate and find empirical evidence about Financial Inclusion in the Use of Digital Banking Services in Jakarta. The population of this study is people who have digital banking mobile banking services who are already working and domiciled in DKI Jakarta, while the object of research is limited to Financial Knowledge, Financial Literacy, and Financial Inclusion. The sampling technique used purposive random sampling. The primary data is getting from questionnaire distributed and filled out by respondents. Data analysis was carried out using SmartPLS software, where two categories of tests were carried out, namely the outer and the inner model tests. The results show that Financial Knowledge influenced on Financial Literacy, Financial Literacy significantly influenced on Financial Inclusion, Financial Knowledge significantly influenced on Financial Inclusion, and Financial Literacy significantly enable to mediate the influence of Financial Knowledge on Financial Inclusion.

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Pengaruh Financial Attitude, Financial Education, Financial Knowledge, Financial Experience, Dan Financial Behavior Terhadap Financial Literacy Pada Pelajar Kota Batam

Cited by 7 publications

References 0 publications

The Influence of Financial Literacy on Consumptive Behavior Among High School Students in Jakarta

The Influence of Financial Literacy on Consumptive Behavior Among High School Students in Jakarta

Determinants of the Level of Sharia Financial Literacy among Muslimah in Jabodetabek

Financial Inclusion in the Use of Digital Banking Services in Jakarta

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