Faktor-Faktor Yang Mempengaruhi Literasi Keuangan Mahasiswa Pendidikan Akuntansi di Era Digital
Abstract
Attention of various countries to financial literacy is increasing in line with the more complex economic sector growth, with rapid development of financial technology and variety of new financial products and services offered. College students as the next generation are expected to have good financial literacy in order to be able to overcome the increasingly complex economic problems. This study aims to test the influence of socioeconomic factors (pocket money, parent’s latest education, and parent’s income) to financial literacy. This study used a quantitative approach with an explanatory research design and survey method. The data collecting were taken by tests and questionnaires conducted on a sample of 215 undergraduate students of Accounting Education, State University of Malang, with the sampling technique used simple random sampling. The data collected were then analyzed by multiple linear regression. The results of the data analysis show that: pocket money has a positive and significant effect on student’s financial literacy, parental education has no positive and significant effect on student’s financial literacy, and parents’ income has no positive and significant effect on student’s financial literacy. Based on the data analysis above, it can be concluded that this result are not enough to support the socioeconomic theory, that socioeconomic status can affect person’s knowledge, behavior, and attitudes, in this case student financial literacy.
References
Ahmad, G. N., Dalimunthe, S., Thahirah, S., & Aminah, H. (2020). Demographic characteristics, personality characteristics, and the level of student’s financial literacy. Accounting, 6(5), 629–636. https://doi.org/10.5267/j.ac.2020.6.022
Álvarez, A. B. V., & González, J. R. V. (2017). Financial literacy: gaps found between Mexican public and private, middle, and high-school students. Handbook of Research on Driving STEM Learning With Educational Technologies. https://doi.org/10.4018/978-1-5225-2026-9.ch005
Ansong, A., & Gyensare, M. A. (2012). Determinants of University Working-Students’ Financial Literacy at the University of Cape Coast, Ghana. International Journal of Business and Management, 7(9), 126–133. https://doi.org/10.5539/ijbm.v7n9p126
APA. (2018). APA’s Advocacy on Socioeconomic Status. APA. http://www.apa.org/topics/socioeconomicstatus/
Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy: Results of the Oecd Infe Pilot Study. Oecd, 15, 1–73. https://doi.org/10.1787/5k9csfs90fr4-en
Brese, F., & Mirazchiyski, P. (2013). Issues and Methodologies in Large-Scale Assessments. Special Issue 2: Measuring Students’ Family Background in Large-Scale International Education Studies. IERI Monograph Series. In International Association for the Evaluation of EducationalAchievement.http://www.ierinstitute.org/fileadmin/Documents/IERI_Monograph/Special_Issue_2/10_IERI_Special_Issue_2_complete.pdf
Hira, T. K., Sabri, M. F., & Loibl, C. (2013). Financial socialization’s impact on investment orientation and household net worth. International Journal of Consumer Studies. https://doi.org/10.1111/ijcs.12003
Homan, H. S. (2015). Comparative Study of Students Financial Literacy And Its Demographic Factors. 106–111. https://doi.org/10.2991/iceb-15.2015.16
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Idris, F., Hassan, Z., Ya’acob, A., Gill, S. K., & Awal, N. A. M. (2012). The Role of Education in Shaping Youth’s National Identity. Procedia - Social and Behavioral Sciences, 59, 443–450. https://doi.org/10.1016/j.sbspro.2012.09.299
Jorgensen, B. L., & Savla, J. (2010). Financial literacy of young adults: The importance of parental socialization. Family Relations, 59(4), 465–478. https://doi.org/10.1111/j.1741-3729.2010.00616.x
Kadoya, Y., & Khan, M. (2017). What Determines Financial Literacy in Japan? SSRN Electronic Journal, 982. https://doi.org/10.2139/ssrn.2858021
Megasari, I. R. (2017). Pembelajaran Pengelolaan Keuangan Orang Tua, Uang Saku, dan Hasil Belajar terhadap Literasi Keuangan di SMK PGRI 3 Sidoarjo. Jurnal Ekonomi Pendidikan Dan Kewirausahaan. https://doi.org/10.26740/jepk.v2n1.p116-129
Mitchell, O. S., Lusardi, A., & Curto, V. (2011). Financial Literacy Among the Young: Evidence and Implications for Consumer Policy. SSRN Electronic Journal, 1–35. https://doi.org/10.2139/ssrn.1459141
Monticone, C. (2010). How much does wealth matter in the acquisition of financial literacy? Journal of Consumer Affairs, 44(2), 403–422. https://doi.org/10.1111/j.1745-6606.2010.01175.x
Nidar, S. R., & Bestari, S. (2012). Personal Financial Literacy Among University Students (Case Study at Padjadjaran University Students , Bandung , Indonesia). World Journal of Social Sciences, 2(4), 162–171. https://feb.unpad.ac.id/dokumen/files/Personal-Financial-Literacy-Among-University-Students_TURNITIN.pdf
Norvilitis, J. M., & Santa Maria, P. (2020). Credit card debt on college campuses : Causes, consequences, and solutions. College Student Journal. https://www.questia.com/library/journal/1G1-95356585/credit-card-debt-on-college-campuses-causes-consequences%0A
OECD. (2013). Financial Literacy and Inclusion: Result of OECD/INFE Survey Across Countries and by Gender.
OECD. (2017). G20/OECD INFE report on adult financial literacy in G20 countries.
Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017).
Potrich, A. C. G., Vieira, K. M., & Kirch, G. (2015). Determinants of financial literacy: Analysis of the influence of socioeconomic and demographic variables. Revista Contabilidade e Financas, 26(69), 362–377. https://doi.org/10.1590/1808-057x201501040
Prasetyo, B. S., Yulianto, A., & Setyadharma, A. (2020). The Influence of Financial Literacy and Parents ’ Income on Saving Behavior Based on Parents ’ Education and School Status. 10(37), 14–20.
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Rikayanti, V. R., & Listiadi, A. (2020). Pengaruh Literasi Keuangan, Pembelajaran Manajemen Keuangan, dan Uang Saku Terhadap Perilaku Menabung. Jurnal Pendidikan Akuntansi (JPAK), 8(3),29–36. https://ejournal.unesa.ac.id/index.php/jpak/article/view/40669%0Ahttps://ejournal.unesa.ac.id
Sari, N. R., & Listiadi, A. (2021). Pengaruh Literasi Keuangan , Pendidikan Keuangan di Keluarga , Uang Saku terhadap Perilaku Pengelolaan Keuangan dengan Financial Self-Efficacy sebagai Variabel Intervening. Jurnal Pendidikan Akuntansi, 9 (1), 58–70. https://ejournal.unesa.ac.id/index.php/jpak/article/view/38750/34640
Sari, D. E., Tiara, Narimo, S., & Saputra, R. C. (2020). The Effect of Financial Literacy and Pocket Money on Consumer Behavior of Universitas Muhammadiyah Surakarta (UMS) Students. International Journal of Scientific and Technology Research, 9(2), 4235–4237.
Shah, A. A., Syeda, Z. F., & Bhatti, S. H. (2012a). Pocket money as a proxy for family income. International J. Soc. Sci. & Education, 2(4), 688–693. http://ijsse.com/sites/default/files/issues/2012/Volume 2 Issue 4, 2012/paper 14/Abstract-14.pdf
Shah, A. A., Syeda, Z. F., & Bhatti, S. H. (2012b). Pocket Money as a proxy for Family Income. International Journal of Social Science and Education, 2(4), 688–693.
Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of Adolescence, 35(4), 969–980. https://doi.org/10.1016/j.adolescence.2012.02.002
Copyright (c) 2021 Dudung Ma'ruf Nuris, Tsania Rahmawati
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: 682
PDF Downloads: 1512
