Literasi Keuangan Pada Generasi Z
Abstract
In the era of 2020, there are many offers to make purchases easily and quickly for generation Z, proper financial management is needed for current generation Z, so that they are not tied to consumerism. This research is the result of financial literacy training from students of Citra Berkat High School Surabaya, the researcher wanted to find out whether there were differences in understanding and application of financial literacy after participating in this financial literacy training. This financial literacy training was held for 2 months and was systematic, where students were assessed for their understanding and application. This study used a non-paramteric paired t-test. The research data were collected using a questionnaire distributed before and after the training. Students are given a financial literacy questionnaire according to Chen and Volpe (1998). The results of this study show that after participating in financial literacy training, students' understanding of financial literacy does not differ from that of before training, but on average they have increased understanding. In the application of financial literacy there are differences before and after financial literacy training.
References
Akmal, H., & Saputra, Y. E. K. A. (2016). Analisis literasi keuangan. Jurnal Ekonomi dan Bisnis Islam. 1(2): 235-244
ANZ Survey. (2011). Adult financial literacy in Australia. In The Social Research Centre. May. 1-165
Beal, D. J., & Delpachitra, S. B. (2003). Financial literacy Among Australian University Students. Economic Papers. 22(1): 65-78. https://doi.org/10.1111/j.1759-3441.2003.tb00337.x.
Bönte, W., & Filipiak, U. (2012). Financial literacy, Information flows, and Caste affiliation: Empirical evidence from India. Journal of Banking and Finance. 36(12): 3399-3414. https://doi.org/10.1016/j.jbankfin.2012.07.028.
Chen, H. (1998). An Analysis of Personal Financial Literacy among College Students. Financial Services Review. 7(2): 107-128. https://doi.org/10.1016/s1057-0810(99)80006-7.
Das, S. C. (2016). Financial Literacy among Indian Millennial Generation and their Reflections on Financial Behaviour and Attitude: An Explanatory Research By. The Indian Journal of Commerce. 69 (4): 16-34
De Bassa Scheresberg, C. (2013). Financial Literacy and Financial Behavior among Young Adults: Evidence and Implications. Numeracy. 6(2): 1–21. https://doi.org/10.5038/1936-4660.6.2.5
Dion.(2020). Generation Gap: Gaya Pengelolaan Keuangan Milenial dan Gen Z. (http://avrist.com/lifeguide/2020/01/31/pengelolaan-keuangan-milenial-dan-gen-z-generation-gap/)
Friedline, T., & West, S. (2016). Financial Education is not Enough: Millennials May Need Financial Capability to Demonstrate Healthier Financial Behaviors. Journal of Family and Economic Issues. 37(4): 649–671. https://doi.org/10.1007/s10834-015-9475-y.
Gunawan, I., & Palupi, A. R. (2016). Taksonomi Bloom – Revisi Ranah Kognitif: Kerangka Landasan untuk Pembelajaran, Pengajaran, dan Penilaian. Premiere Educandum : Jurnal Pendidikan Dasar Dan Pembelajaran. 2(2): 98-112.https://doi.org/10.25273/pe.v2i02.50.
Hassan Al-Tamimi, H. A., & Anood Bin Kalli, A. (2009). Financial Literacy and Investment Decisions of UAE Investors. Journal of Risk Finance. 10(5): 500-516. https://doi.org/10.1108/15265940911001402.
Hogarth, J. M., & Hilgert, M. A. (2002). Financial literacy and family and consumer sciences. Journal of Family and Consumer Sciences. 94(1): 14-28
Kapoor, Jack R, Dlabay, Les R, and Hughes, Robert J. 2012. Personal Finance. Tenth
Kojo Oseifuah, E. (2010). Financial Literacy and Youth Entrepreneurship in South Africa. African Journal of Economic and Management Studies. 1(2): 164-182. https://doi.org/10.1108/20400701011073473.
Lantara, Nuka & Kartini, Rai. (2015). Financial Literacy among University Students: Empirical Evidence From Indonesia. Journal of Indonesian Economy and Busines., 30 (3): 247– 256
Listiadi. A & Nasihah. D. .(2019). Pengaruh Pembelajaran Akuntansi Keuangan, Literasi Keuangan, dan Kontrol diri terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Surabaya. Jurnal Pendidikan Akuntansi. 07(03): 336-341
Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy around The World: An Overview. Journal of Economic Literature. 52(1): 5–44. https://doi.org/10.1017/S1474747211000448.
Marriott, P. (2007). An Analysis of First Experience Students’ Financial Awareness and Attitude to Debt in a post-1992 UK University. Higher Education Quarterly. 61(4): 498 – 519. https://doi.org/10.1111/j.1468-2273.2007.00369.x.
Mottola, G. R. (2014). The Financial Capability of Young Adults — A Generational View. FINRA Foundation Financial Capability Insights. March (March), 1–12
Organization for Economic Cooperation and Development (OECD). 2012. PISA 2012 Frameworks - Mathematics, Problem Solving and Financial Literacy. Paris: OECD.
Organization for Economic Cooperation and Development (OECD). 2012. Financial Education for Youth and In Schools: OECD/ Infe Policy Guidance, Challenges And Case Studies
Pilcher, J. (1994). Mannheim’s Sociology of Generations: An Undervalued Legacy. The British Journal of Sociology. 45: 481-495. https://doi.org/10.2307/591659.
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs. 44(2): 276-295 . https://doi.org/10.1111/j.1745-6606.2010.01169.x.
Rosacker, K. M., Ragothaman, S., & Gillispie, M. (2009). Financial Literacy of Freshmen Business School Students. College Student Journal. 43(2): 391-399
Shalahuddinta.A & Susanti. (2014). Pengaruh Pendidikan Keuangan di Keluarga, Pengalaman Bekerja dan Pembelajaran di Perguruan Tinggi terhadap Literasi Keuangan. Jurnal Pendidikan Akuntansi. 02(02): 1-10
The Social Research Centre. 2011. Adult Financial Literacy in Australia. Executive summary of the 2011 result from ANZ survey.
Titik Ulfatun, U. (2016). Analisis Literasi Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta tahun angkatan 2012-2014. Pelita. 11(2): 1-13
Vitt, L. a., Kent, J., Lyter, D. M., Siegenthaler, J. K., & Ward, J. (2000). Personal Finance and the Rush to Competence: Financial Literacy Education in the U.S. Personal Finance.
Copyright (c) 2021 Kazia Laturette, Luky Patricia, Lucky Subandi
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
Jurnal Pendidikan Akuntansi (JPAK) is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Abstract Views: 3134
PDF Downloads: 5043
