Pengaruh Literasi Keuangan, Pembelajaran Manajemen Keuangan, dan Uang Saku Terhadap Perilaku Menabung
Abstract
Each individual has different characteristics and tendencies of saving behavior, both from internal and external factors. This study aims to determine and analyze the effect of financial literacy, learning financial management, and pocket money, simultaneously and partially affect the saving behavior of students of Accounting Education, Faculty of Economics, State University of Surabaya. The type of research used in this research is quantitative research. Sampling using purposive sampling technique with a total of 119 students. The data collection techniques used were questionnaires and tests. While the data analysis technique used is multiple linear regression analysis with the help of the SPSS version 22.0 program. Based on the results of the data analysis, it shows that: (1) financial literacy, learning financial management, and pocket money simultaneously have a significant effect on saving behavior, (2) financial literacy has a significant effect on saving behavior, (3) financial management learning has a significant effect on behavior saving, (4) pocket money has a significant effect on saving behavior.
References
Agustina, Yulia. (2016). Pengaruh Literasi Keuangan, Pengalaman Bekerja dan Pendapatan terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Muhammadiyah Gresik. Tesis tidak diterbitkan. Surabaya: Pascasarjana Universitas Negeri Surabaya.
Andrew, Vincentius & Linawati, Nanik. (2014). “Hubungan Faktor Demografi dan Pengetahuan Keuangan dengan Perilaku Keuangan Karyawan Swasta di Surabaya”. Finesta, Vol. 02, No. 02, (2014) 35-39.
Arifin, Agus Zainul. (2017). “The Influence of Financial Knowledge, Control and Income on Individual Financial Behavior”. European Research Studies Journal Volume XX, Issue 3A, 2017. Tarumanegara University.
Arikunto, Suharsimi. (2006). Prosedur Penelitian Suatu Pendekatan Praktik. Jakarta: Rhineka Cipta
Bank Indonesia.(2014). Booklet Financial Inclusion. Jakarta: Bank Indonesia
Erawati, Neni. (2016). Pengaruh Literasi Keuangan, Pembelajaran di Perguruan Tinggi, dan Pengalaman Bekerja terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Surabaya. Skripsi tidak diterbitkan. Surabaya: Universitas Negeri Surabaya.
Erawati, Neni. (2016). Pengaruh Literasi Keuangan, Pembelajaran di Perguruan Tinggi, dan Pengalaman Bekerja terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Surabaya. Jurnal Pendidikan Akuntansi (JPAK) Vol 5, No 1, 2017. Universitas Negeri Surabaya.
Fatimah, Nur. (2018). Pengaruh Pembelajaran Akuntansi Keuangan, Literasi Keuangan, dan Pendapatan Terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Mehammadiyah Gresik. Skripsi. Diterbitkan. Universitas Negeri Surabaya
Gutter, M. (2008). Financial Capabilities of College Students from States with Varying Financial Education Policies. National Endowment for Financial Education.
Herawati, Nyoman Trisna. (2015). Kontribusi Pembelajaran di Perguruan Tinggi dan Literasi Keuangan terhadap Perilaku Keuangan Mahasiswa. Jurnal Pendidikan dan Pengajaran, Jilid 48, Nomor 1-3, April 2015, hlm.60-70. Universitas Pendidikan Ganesha.
Hilgert, M. A., & Hogart`, J. M. (2003). Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Buletin, 309-322.
OJK. (2016). Survei Nasional Literasi Dan Inklusi Keuangan 2016
Sugiyono. (2013). Statistika Untuk Penelitian. Alfabeta : Bandung.
Susanti. (2013). Faktor - Faktor yang Mempengaruhi Literasi Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Surabaya. Jurnal Pendidikan Ekonomi : Universitas Negeri Malang.
Susanti. (2016). Pengaruh Locus of Control Internal dan Pendapatan Terhadap Literasi Keuangan Mahasiswa. Jurnal Ekonomi Pendidikan dan Kewirausahaan. Vol. 4. No. 1, Tahun 2016. Universitas Negeri Surabaya.
Widayati, Irin. (2011). Pengaruh Status Sosial Orang Tua, Pendidikan Pengelolaan Keuangan Keluarga dan Pembelajaran di Perguruan Tinggi terhadap Literasi Finansial Mahasiswa. Jurnal Pendidikan Humaniora. Universitas Negeri Malang.
Widayati, Irin. (2012). Faktor - Faktor yang Mempengaruhi Literasi Finansial Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya. Jurnal Akuntansi dan Pendidikan. IKIP PGRI Madiun
Wulandari. (2019). Pengaruh Literasi keuangan, inklusi keuangan, uang saku dan teman sebaya terhadap perilaku menabung mahasiswa Pendidikan Akuntansi Fakultas Eonomi Universitas Negeri Surabaya. Skripsi diterbitkan.Universitas Negeri Surabaya.
Zahriyan, Moch Zakki. (2016). Pengaruh Literasi Keuangan Dan Sikap terhadap Uang pada Perilaku Pengelolaan Keuangan Keluarga. STIE Perbanas Surabaya.
Copyright (c) 2020 Vivi Rikayanti Rikayanti, Agung Listiadi
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.
PDF Downloads: 3140