scholarly journals PENGARUH STATUS SOSIAL EKONOMI DAN PENDIDIKAN PENGELOLAAN KEUANGAN DI KELUARGA TERHADAP LITERASI KEUANGAN SISWA SMK NEGERI 1 SURABAYA

2017 ◽  
Vol 3 (1) ◽  
pp. 22
Author(s):  
Romadoni Romadoni
Keyword(s):  
Socioeconomic Status ◽  
Financial Literacy ◽  
Financial Management ◽  
Management Education ◽  
Financial Education ◽  
Simple Random Sampling ◽  
Family Influence ◽  
The Family ◽  
Academic Year ◽  
Significant Direct Effect

This study aimed to determine the influence of socioeconomic status and financial management education in the family to the financial literacy in 1st State Vocational School of Surabaya academic year 2013–2014. Population of this study were 197 students. Sampled by 132 students selected by using simple random sampling. Data were collected by questionnaires and documentation. The method of analysis in this study was regression linear. The results showed that the socioeconomic status of parents directly influence financial literacy, financial management education in the family influence on financial literacy and socioeconomic status also family financial education has significant direct effect on financial literacy

scholarly journals Pendidikan Keuangan Keluarga, Kesadaran Keuangan dan Tingkat Personal Finance

2021 ◽  
Vol 3 (2) ◽  
pp. 172-179
Author(s):  
Reza Widhar Pahlevi ◽  
Lazzuardi Nashrullah
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Sampling Method ◽  
Sampling Technique ◽  
Financial Education ◽  
Personal Finance ◽  
Analysis Technique ◽  
The Family ◽  
Data Source ◽  
Financial Awareness

The purpose of this study was to determine the effect of financial education on the family, financial education on campus, peers, financial literacy and financial awareness on the level of student personal finance. The sampling technique uses a non probability sampling technique. While the sampling method uses incidental sampling, whoever by chance or fits as a data source, then continues using the purposive sampling method, namely the sam-pling technique with the consideration of students of the Faculty of Economics in Yogya-karta who have taken Financial Management courses and who have taken courses that concentrate on Finance. From these considerations, 103 respondents. The data analysis technique uses multiple regression analysis. The results showed that financial education in the family, financial literacy and financial awareness had a significant effect on student personal finance, while financial education on campus and peers had no effect on student personal finance. DOI: https://doi.org/10.26905/afr.v3i2.5840

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI LITERASI FINANSIAL MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS BRAWIJAYA

2012 ◽  
Vol 1 (1) ◽  
pp. 89 ◽  
Author(s):  
Irin Widyawati
Keyword(s):  
Higher Education ◽  
Socioeconomic Status ◽  
Direct Effect ◽  
Financial Literacy ◽  
Financial Management ◽  
Management Education ◽  
Economic Status ◽  
Socio Economic Status ◽  
Positive Direct ◽  
Parental Socioeconomic Status

<span>The purpose of this study to clarify: (1) the influence of socio-economic status of parents towards education family financial management, (2) the influence of parental socioeconomic status on cognitive aspects of financial literacy, (3) the influence of parental socioeconomic status on financial literacy aspects of attitude, (4) the effect of family financial management education to the cognitive aspects of financial literacy, (5) the effect of family financial management education for financial literacy aspect of attitude, (6) the effect of learning in higher education to cognitive aspects of financial literacy, (7) the effect of learning college for financial literacy aspect of attitude; (8) the effect of socioeconomic status of parents of student cognitive aspects of financial literacy through education family financial management; (9) the influence of socio-economic status of parents towards financial literacy aspect of student attitudes through education family financial management . Data collected using tests and questionnaires from 220 students. Data analysis techniques in this study using path analysis. The results of the study are: (1) socio-economic status of parents significant positive direct effect on education family financial management, (2) socio-economic status of parents does not directly influence the cognitive aspects of financial literacy, (3) socio-economic status of parents do not have direct the financial literacy aspect of attitude, (4) education family financial management a significant positive direct effect on the cognitive aspects of financial literacy, (5) education family financial management a significant positive direct effect on financial literacy aspect of attitude, (6) learning in higher education have direct positive significant impact on the cognitive aspects of financial literacy, (7) learning in higher education have significant positive direct effect on financial literacy aspect of attitude; (8) socio-economic status of parents significantly positive indirect effect on the cognitive aspects of financial literacy education mediated by family financial management; (9) the socioeconomic status of parents significantly positive indirect effect on the financial literacy aspect of attitude that is mediated by a family financial management education.</span>

Living beyond one’s means: evidence from Malaysia

2015 ◽  
Vol 43 (1) ◽  
pp. 2-18 ◽  
Author(s):  
Yiing Jia Loke
Keyword(s):  
Low Income ◽  
Financial Literacy ◽  
Financial Distress ◽  
Financial Management ◽  
Practical Knowledge ◽  
Financial Education ◽  
Financial Knowledge ◽  
Content Type ◽  
Explanatory Variables ◽  
Financial Behaviour

Purpose – The purpose of the paper is to identify the determinants of the probability of living beyond one’s means. The paper also explores the coping mechanisms of those financially distressed as well as the debt taking behaviour of consumers. Design/methodology/approach – The study uses data obtained from the OECD International Network on Financial Education pilot study on Measuring Financial Literacy in 2010 for the case of Malaysia. A logistic regression model is used to identify the main determinants of the probability that a consumer will live beyond his/her means. The analysis is carried out by using a set of socio-economic factors and the individual’s financial behaviour and attitudinal characteristics as explanatory variables. Findings – The findings indicate that low income and seasonal income earners are more vulnerable to financial distress. Furthermore, having a higher education, higher financial knowledge and prudent financial behaviour and attitude do not necessarily translate into better financial management. Family and friends provide the main source of financial assistance in times of need. Research limitations/implications – The assessment of financial knowledge should go beyond individual’s knowledge on financial concepts and theories. Practical knowledge on financial and cash flow management should be assessed. Practical implications – The study reiterates the importance of financial education. It is imperative to include financial education as part of the schools’ curriculum and also to be incorporated as part of the Continuous Professional Development modules for working adults. Originality/value – The study is based on the first nationwide study of consumer finances in Malaysia. It contributes to the literature by integrating financial behaviour and attitudinal factors into the analysis of the ability of individuals to live within their means. The findings also show the limitations of the existing self-assessment of financial behaviour and attitude and the assessment of financial knowledge.

scholarly journals ANALYSIS OF THE FINANCIAL MANAGEMENT AND LITERATION INFLUENCE ON THE FAMILY WELFARE LEVEL (CASE STUDY ON MUSLIMAH WITH TEACHER'S PROFESSION IN SELONG DISTRICT)

2019 ◽  
Vol 1 (02) ◽  
pp. 151
Author(s):  
Diah Zikrina Mulyarti ◽  
Yaser Taufik Syamlan
Keyword(s):  
Logistic Regression ◽  
Financial Literacy ◽  
Financial Management ◽  
Family Welfare ◽  
Research Use ◽  
Welfare Level ◽  
The Family ◽  
Independent Variable

The purpose of this research is to determine wether the financial management variable and financial literacy affect family welfare of muslimah teachers at Selong. 221 repondents were used as the sample in this research. the answers of those respondents were submitted using questionnaire with multinominal logistic regression as the method used to process the data. this research use two independent variable which is financial management variable and financial literacy variable and one dependent variable which is family welfare. the result of this research stated that financial management variable (X1) affect family welfare of muslimah teacher at Selong sub-district while financial literacy variable (X2) wasn’t.

scholarly journals PENGARUH LITERASI KEUANGAN KECERDASAN SPIRITUAL DAN PENDIDIKAN KEUANGAN DI KELUARGA TERHADAP PENGELOLAAN KEUANGAN MAHASISWA

2018 ◽  
Vol 3 (1) ◽  
Author(s):  
Madelberta Resma Nugraheni Sigo ◽  
Lilik Sri Hariani ◽  
Walipah Walipah
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Literacy ◽  
Financial Management ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Financial Education ◽  
Economic Education ◽  
Spiritual Intelligence ◽  
Quota Sampling

This study aims to analyze the effect of financial literacy, spiritual intelligence, and financial education in families on the financial management of students of Economic Education in Kanjuruhan University Malang. This type of research uses quantitative research, using multiple linear regression. The population in this study were all students of Economic Education at Kanjuruhan University Malang, totaling 198 students with a research sample of 65 students. The sampling technique in this study used quota sampling. The data obtained were analyzed using the SPSS application version 16.00 for windows. Based on the results of the analysis it is known that there is a significant simultaneous and partial effect between financial literacy, spiritual intelligence, and financial education in families on the financial management of students of Economic Education at Universitas Kanjuruhan Malang.

scholarly journals THE INFLUENCE OF SOCIO-DEMOGRAPHIC AND FINANCIAL KNOWLEDGE FACTORS ON FINANCIAL MANAGEMENT PRACTICES OF MALAYSIANS

2017 ◽  
Vol 18 (1) ◽  
Author(s):  
Yiing-Jia Loke
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Management Practices ◽  
Financial Education ◽  
Financial Knowledge ◽  
Insurance Policy ◽  
Management Behaviour ◽  
Income Shock ◽  
The Individual ◽  
Socio Economic Factors

Using the pilot survey data on "Measuring financial literacy" in 2010 from OECD (International Network for Financial Education, INFE), this paper aims to investigate the influence of sociodemographic and financial knowledge factors on four selected financial management practices of Malaysians. The four types of financial management practices are: whether the individual plans a budget, lives within their means, is prepared for income shock and owns an insurance policy. These four financial management practices are used to measure individuals' overall financial management behaviour. The measurement of financial management behaviour is divided into three levels depending on the type of financial management practices carried out by individuals. Ordered probit is used to determine socio-economic factors that are significant in explaining the varying differences in the financial management behaviours among Malaysians. The paper also identifies the financial knowledge gaps and investigates the levels of financial knowledge of Malaysians. While the majority of Malaysians show an average level of financial knowledge and plan their budget, many are financially unprepared for income shock and unexpected circumstances. The findings show that ethnicity, income, gender, regularity of income, education, age and financial knowledge have significant effect on individuals’ financial management behaviour. The findings have implications for regulators, financial educators and consumer groups in their efforts to enhance individuals’ financial management behaviour. Keywords: Emergency Saving; Financial Capability; Financial Knowledge; Living within One's Means; Personal Finance.

Some Aspects about Financial Knowledge of Undergraduate Students

2013 ◽  
Vol 2 (4) ◽  
pp. 40-62
Author(s):  
Elena Moreno-García ◽  
Arturo García-Santillán ◽  
Juan Pablo Munguía-Tiburcio
Keyword(s):  
Learning Styles ◽  
Undergraduate Students ◽  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Principal Component ◽  
Financial Education ◽  
Financial Knowledge ◽  
Important Indicator ◽  
Financial Issues

The purpose of study is to measure the level of financial literacy of accounting students at the Universidad Veracruzana; campus Mocambo, considering that financial education is the knowledge that people have on financial issues in order to solve everyday problems regarding financial management. The variables analyzed include age, gender, race, socioeconomic status, learning styles and student’s perceptions on financial services, the way they take care of their money and their knowledge of five key financial issues. Three hypotheses were raised, therefore, in order to test H1 we performed a factorial analysis with an extracted principal component; to H1.a the statistical procedure of linear correlation of Pearson r and t test are applied, and to H2 a Z test is performed. Although the theory suggests that the level of higher education gives the student a better understanding of the financial issues, this research however, proves otherwise. In fact, the range of “excellent money management” is below 50%. The findings suggest that there is no a good level of financial literacy in the population studied. This fact is contrary to expectations, because the student who studies public accountant is expected to have financial knowledge in these subjects, all this, in considering the subjects which integrates the curriculum related to the field of finance. Therefore this finding should be an important indicator for the academic authorities of the Universidad Veracruzana for corrective actions in this respect.

scholarly journals Manajemen keuangan pribadi: literasi ekonomi, literasi keuangan, dan kecerdasan spiritual

2020 ◽  
Vol 15 (3) ◽  
pp. 162-170
Author(s):  
Lilik Sri Hariani ◽  
Endah Andayani
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Spiritual Intelligence ◽  
Economic Literacy ◽  
The People ◽  
The Family ◽  
Descriptive Approach ◽  
Quantitative Descriptive

Personal financial management is the activity of planning, organizing, directing, and supervising financial activities such as the procurement and use of funds owned for the survival of the family. Many factors influence personal financial management. This study aims to analyze economic literacy, financial literacy, and spiritual intelligence on personal financial management. This study used a quantitative descriptive approach, with a sample of 73 housewives in Malang City who were taken randomly. Data collection using questionnaires and data analysis using Multiple Linear Regression analysis. The results showed that economic literacy, financial literacy, and spiritual intelligence simultaneously affect personal financial management, financial literacy and spiritual intelligence partially affect personal financial management, while economic literacy partially has no effect on personal financial management. As a housewife who usually acts as a manager in the family, at least you must understand two main concepts in financial management, namely the concept of cost and benefit and the concept of cash flow. For further researchers, it can expand the sample and add other variables so that it can better describe how financial management is for the people of Malang.

scholarly journals Financial literacy among working women: A Study on university staff in Kedah

2020 ◽  
Vol 8 (2) ◽  
pp. 100-108
Author(s):  
Nur Najihah Ashaari ◽  
Zahayu Md Yusof ◽  
Masnita Misiran ◽  
Hasimah Sapiri
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Structural Equation ◽  
Financial Risk ◽  
Working Women ◽  
Financial Education ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Employment Sector ◽  
Five Factors

The involvement of women in the employment sector has helped boost the Malaysian economy. Therefore, it is imperative for our economy to consider the fact that where and how women work to spend or invest their funds. In this case, for the proper use of funds, working women need to be financially literate. This study to determine the relationship between the factors towards financial literacy among working women and to investigate the risk of financial literacy among working women. Sample data were gathered using self-administered questionnaire among working women in government university in Kedah and later analyzed using statistical software namely, Statistical Package for Social Science (SPSS) version 25.0 and Analysis of Moment Structure (AMOS) version 25.0. Confirmatory Factor Analysis (CFA) together with Structural Equation Modeling (SEM) approach was used both to access the model fit and identify the significant direct influence financial literacy among working women. As a result, five factors that influence financial management have been highlighted which are financial attitude, financial knowledge, financial education, financial behavior and financial literacy. The result indicates that only financial attitudes significant towards financial literacy among working women as supported by the previous study. However, other factors are also important in assessing the level of financial literacy of an individual because each of these factors plays a role in ensuring an individual's financial management and avoid yourself from financial risk.

scholarly journals DOES FINANCIAL LITERACY AND FINANCIAL STRESS EFFECT THE FINANCIAL WELLNESS?

2019 ◽  
pp. 1-11 ◽  
Author(s):  
Nurazleena Ismail ◽  
Nur Damia’ Amiruddin Zaki
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Help Seeking ◽  
Financial Stress ◽  
Financial Education ◽  
Well Being ◽  
Stress Effect ◽  
Financial Wellness ◽  
Financial Condition ◽  
Seeking Behavior

Nowadays, people use financial wellness’s as terminology to understand the level of the individual’s financial condition. Previous researches show that although the persons have a lot of debts, they feel satisfied with their financial status. Conversely with those who are in good financial wellness with their wealth of life. Additionally, two elements have been discussed in relation to the income earner’s financial wellness which is economic well-being and financial well-being. Imbalance of financial wellness among low-medium income earners is due to reducing in employment opportunities, income instability and increase the number of family members. Therefore, personal financial management is important to ensure good or bad financial wellness among income earners. In this paper, financial literacy and financial stress are considered to determine the relationship of financial wellness. The result showed that both factors are significant with a strong positive relationship. It is important to describe the ability of income earners manage their money and apply the knowledge to make an effective financial decision. Thus, the organization should imply the financial education programs to their employees that can enhance financial literacy and reduce financial stress. Further research should be explored the other determinant factor such as financial self-efficacy and financial help-seeking behavior. These factors will improve the low-medium income earners’ financial wellness by seeking financial help as well as reducing financial stress.

Sign in / Sign up

Export Citation Format

Share Document