Literasi Keuangan Dan Gaya Hidup Ibu Rumah Tangga Dalam Membentuk Perilaku Keuangan Di Tasikmalaya

Deasy Lestary Kusnandar, Dian Kurniawan

Abstract


This study aims to determine the effect of financial literacy on financial behavior with lifestyle as a mediation variable. The location of this research is in Tasikmalaya. This research is a kind of quantitative research using survey method given to Housewife in Tasikmalaya city. The object of research in this study is the financial literacy, lifestyle, and financial behavior. Determination of the number of samples in this study are as many as 100 respondents with the sampling method used is to use judgment sampling. The analysis used is Structural Equation Modeling (SEM) analysis. This analysis is assisted by using the AMOS 21. The results of this study indicate that financial literacy does not affect in financial behaviour. While life style can mediate influence financial literacy on financial behaviour;s housewife in Tasikmalaya.

Keywords


financial literacy; financial behavior; life style

Full Text:

PDF (Indonesian)

References


Agrawal, Amol. (2008). Economic Reserach: The Need for Financial Inclusion with an Indian Perspective. IDBI Gilts Paper: Mumbai, India.

Allen, Franklin., Kunt, Asli Demirguc., Klapper, Leora., Martinez Peria, Maria Soledad. (2012). The Foundation of Financial Inclusion, Understanding Ownership and Use of Formal Account. Policy Research Working Paper No. 6290

Andrew, Vincentius dan Linawati, Nanik. (2014). Hubungan Faktor Demografi dan Pengetahuan Keuangan dengan Perilaku Keuangan Karyawan Swasta di Surabaya. Jurnal Finesta Vol. 02 No. 02, 35-39. Fakultas Ekonomi, Universitas Kristen Petra. Surabaya.

Ardiani I. S. (2011). Personality Traits sebagai Penentu Perencanaan Keuangan Keluarga (Suatu Kajian Pustaka). Jurnal Pengembangan Humaniora. Vol. 11, No. 2, 118-126.

Chakravarty, Satya R. dan Rupayan Pal. (2010). Measuring Financial Inclusion: An Axiomatic Approach. Laporan Hasil Penelitian Indira Gandhi Institute of Development Research (IGIDR). Mumbai India

Gutter, M., Hayoe, C., dan Devaney, S. A. (2008). Economic and Psychological Determinants of Saving Behavior: A Conceptual Model. Consumer Interests Annual, Vol, 54, 197-198.

Hanafi, M. M. (2006). Manajemen risiko. Yogyakarta: Upp Stim Ykpn.

Ida dan Dwinta Cinthia Yohana. (2010). Pengaruh Locus of Control, Financial Knowledge, Income terhadap Financial Management Behavior. Jurnal Bisnis dan Akuntansi. Vol. 12, No. 3, 131-144.

Irfani, F (2016). Pengaruh Pengetahuan Keuangan dan Indeks Inklusi Keuangan terhadap Perilaku Keuangan Personal Masyarakat di Wilayah Kabupaten Sleman.

Kasali, R. (2007). Re-Code Your Change DNA (HC). Gramedia Pustaka Utama.

Lusardi, A dan Mitchell, O. (2007). Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel. MRRC Working Paper 157, 1 – 33.

Lusardi, A. (2008). Household Saving Behavior: The Role of Saving Literacy, Information and Financial Education Programs. Implikastion of Behavioral Economic for Economics Policy. NBER Working Paper No. 13824.

Mowen, J. C., & Minor, M. (2002). Perilaku konsumen. Jakarta: Erlangga, 90.

Naila, A (2013). Studi Financial Behavior pada Masyarakat Surabaya. Journal of Business and Banking. Volume 3, No. 1, May 2013, pages 69 – 80

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.

Nofsinger, J., & Hirschey, M. (2006). Investments: Analysis And Behavior.

Orton, L. (2007). Financial Literacy: Lesson From International Experience. CPRN Research Report, 1-63.

Paul Peter, J., & Olson, J. C. (2005). Consumer Behavior and Marketing Strategy.

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.

Sanjaya, I Made dan Nursechafia. (2016). Inklusi Keuangan Dan Pertumbuhan Inklusif: Analisis Antar Provinsi Di Indonesia. Jurnal Ekonomi dan Perbankan Vol. 18, No. 3.

Sarma, Mandira. (2012). Index of Financial Inclusion – A measure of financial sector inclusiveness. Berlin Working Papers on Money, Finance, Trade and Development

Setiawan, Moh., Agung. (2015). Analisis Keterkaitan Inklusi Keuangan Terhadap Perilaku Keuangan Personal Masyarakat Di Wilayah Kota Dan Kabupaten Provinsi Jawa Timur. Jurnal Fakultas Ekonomi Dan Bisnis Vol 3. No 2. Universitas Brawijaya. Malang.

Sugiama, A. G. (2008). Metode Riset Bisnis dan Manajemen. Bandung: Guardaya Intimarta.

Widayat, W. (2010). PENENTU PERILAKU BERINVESTASI. Journal of Innovation in Business & Economics, 1(2), 111-127.

Yunikawati, N. A. (2012). Pengaruh Status Sosial Ekonomi Orang Tua, Pendidikan Ekonomi Keluarga, terhadap Financial Literacy dan Gaya Hidup serta dampaknya pada Rasionalitas Konsumsi.(Tesis). DISERTASI dan TESIS Program Pascasarjana UM.




DOI: http://dx.doi.org/10.35448/jmb.v13i1.7920

Refbacks

  • There are currently no refbacks.


Copyright (c) 2020 Sains: Jurnal Manajemen dan Bisnis

Redaksi SAINS: Jurnal Manajemen dan Bisnis,

Fakultas Ekonomi dan Bisnis, Universitas Sultan Ageng Tirtayasa

Jl. Raya Palka KM 3 Sindangsari, Pabuaran, Kab. Serang, Provinsi Banten

Telp/Fax (+62254) 3204321

E-mail: jsm@untirta.ac.id

 

Creative Commons License

Sains: Jurnal Manajemen dan Bisnis is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.