Pengaruh Literasi Keuangan, Perencanaan Keuangan Dan Pendapatan Terhadap Kesejahteraan Keuangan Guru Perempuan Di Kota Denpasar

Abstract

Financial literacy is financial knowledge and capability that affects efforts to improve financial well-being. This study aims to obtain empirical evidence that financial literacy, financial planning, and income have an effect on financial well-being. The data used in the research is primary data which was collected by conducting a survey in the form of distributing questionnaires and interviews with female teachers in Denpasar City. The sample is determined by the nonprobability sampling technique, quota sampling type. This study uses data analysis techniques Structural Equation Model (SEM) with Partial Least Square (PLS) software. This study shows that financial literacy, financial planning, and income have a positive and significant effect on the financial welfare of female teachers in Denpasar City. The implications of the theoretical research results add to the reference to empirical research on the concept of financial literacy and welfare theory. This shows that financial literacy which includes the knowledge, skills, and beliefs of individuals in managing their finances will influence financial decisions that will be made to achieve the expected financial well-being.
 Keywords: Financial Literacy, Planning, Income, Welfare.

Level of Financial Literacy of Women Informal Sector Workers on Welfare and Professionalisme

“…The results of interview with informal sector female workers in Magelang City stated that they worked because they need to help family income. In accordance with the opinion (Hidayah, Purbawangsa, & Abundanti, 2021) which states that women work because they help to fulfil the higher their needs due to the income obtained from their husbands or head of families not meeting their daily needs and to satisfy existing desires or interest.…”

“…Measurement of the level of welfare in an area based on the Sustainable Development Goals (SDGs) which do not look at national development but by paying attention to the quality of life for sustainable welfare (Hidayah et al, 2021).…”

Studi Faktor Yang Memengaruhi Pengambilan Keputusan Investasi Saham Pada Investor Di Kota Denpasar

“…Literasi keuangan adalah proses untuk meningkatkan pengetahuan dan keterampilan masyarakat dalam keuangan agar mereka dapat mengelola sumber keuangan pribadi yang dimiliki dengan lebih baik (Roestanto, 2017). Literasi keuangan juga didefinisikan sebagai keterampilan dalam membuat keputusan yang berkaitan dengan keuangan yang dimiliki, sehingga dapat bermanfaat dalam upaya pencapaian kesejahteraan (Hidayah et al, 2021). Semakin tinggi tingkat literasi keuangan yang dimiliki oleh investor, maka pengambilan keputusan investasi investor tersebut akan lebih rasional.…”

Peningkatan Kualitas Pendidikan Berbasis Digital Bagi Guru SMK Ypps Pariwisata Sumedang

“…Dari hasil pengolahan data regresi sederhana diketahui bahwa tingkat literasi keuangan pada guru SMK YPPS Sumedang mempengaruhi setiap keputusan investasi pada rentang usia guru 31 -40 tahun sebesar 35%, 51 -60 tahun sebesar 26%, 41 -50 tahun sebesar 22% dan 25 -30 tahun sebesar 17%. (Hidayah et al, 2021) dan (Rokhmania et al, 2019).…”