ANALISIS HUBUNGAN ANTARA FINANCIAL LITERACY DAN FINANCIAL DISTRESS
STUDI PADA DEWASA MUDA DI KOTA PEKANBARU
Abstract
Tujuan dari penelitian kuantitatif ini adalah untuk mengeksplorasi hubungan antara financial literacy dan financial distress di kalangan dewasa muda di Pekanbaru, Indonesia. Warga muda Pekanbaru diminta untuk mengisi survei sebagai bagian dari penyelidikan. Seleksi akhir dari 400 orang adalah produk dari purposive sampling. Financial literacy diuji menggunakan skala ordinal, dan financial distress diukur menggunakan skala Financial Distress/Financial Well-being (IFDFW). Analisis yang digunakan adalah analisis korelasi parametrik deskriptif dan product moment dari Pearson. Menurut penelitian, kaum muda di Kota Pekanbaru memiliki tingkat financial literacy yang tinggi dan prevalensi financial distress yang rendah. Hasil penelitian Kota Pekanbaru menunjukkan bahwa dewasa muda di Pekanbaru memiliki hubungan yang kuat antara financial literacy dan tekanan keuangan.
References
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Zulkarnaen, W., Fitriani, I., & Yuningsih, N. (2020). Pengembangan Supply Chain Management Dalam Pengelolaan Distribusi Logistik Pemilu Yang Lebih Tepat Jenis, Tepat Jumlah Dan Tepat Waktu Berbasis Human Resources Competency Development Di KPU Jawa Barat. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(2), 222-243. https://doi.org/10.31955/mea.vol4.iss2.pp222-243.
Awallia, A. F., & Dewi, A. S. 2019. Analisis Hubungan Antara Financial Literacy dan Financial Distress (Studi Pada Dewasa Muda di Kota Bandung). Jurnal Wawasan Dan Riset Akuntansi, 6(2), 64.
Badan Pusat Statistik Kota Pekanbaru. 2021. Jumlah Penduduk Menurut Kelompok Umur dan Jenis Kelamin di Kota Pekanbaru. [online]. Tersedia: https://pekanbarukota.bps.go.id/publication/download.html. Diakses 13 Oktober 2021.
Badan Pusat Statistik Kota Pekanbaru. 2021. Kota Pekanbaru dalam Angka 2021. Katalog BPS:1102001.1471.
Chen, H., & Volpe, R. 1998. An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7 (2), 107-128.
Damayanti, L. E., Susilaningsih, S., & Indriyani, M. 2019. Pentingnya Penanaman Nilai-nilai Karakter Melalui Perilaku Pengelolaan Keuangan Pada Siswa SMA dan SMK di Surakarta. Surya Edunomics, 3.
Fadhli, K., Himmah, S. R., & Taqiyuddin, A. 2021. Analisis Perubahan Pola Konsumsi Masyarakat Penerima Bantuan Sosial Pada Masa Pandemi Covid-19. Jurnal Education and Development, 9(3), 110–117.
Garg, N., & Singh, S. 2016. Financial Literacy Among Youth, International Journal of Social Economics, 45(1). 173-186.
Garman, T.E., Leech, I.E., Grable, J.E. 1996. Negative Impact Of Employee Poor Personal Finance Behaviors On Employers. Financial Counseling and Planning, 8(2). 157-167.
Garman, E. T., & Sorhaindo, B. 2005. Delphi Study of Experts’ Rankings of Personal Finance Concepts Important in the Development of the InCharge Financial Distress/Financial Well-being Scale. Consumer Interest Annual, 51, 184–194.
Idris, F. H., Krishnan, K. S. D., & Azmi, N. 2013. Relationship between financial literacy and financial distress among youth in malaysia. 4(4), 106–117.
Isanti, V. F., & Dewi, A. S. 2021. Analisis Hubungan Antara Financial Literacy dan Financial Distress Pada Generasi Milenial Di Kota Semarang. 5(1), 686–702.
Joo, S. H. (1998). Personal financial wellness and job productivity. PhD dissertation. Virginia Polytechnic Institute and State University, Blacksburg.
Kim, J., Sorhaindo, B., & Garman, E. T. 2006. Relationship between financial stress and workplace absenteeism of credit counseling clients. Journal of Family and Economic Issues, 27(3), 458–478.
Krishna, A., Rofaida, R., & Sari, M. 2010, November. Analisis tingkat financial literacy di kalangan mahasiswa dan faktor-faktor yang mempengaruhinya (Survey pada Mahasiswa Universitas Pendidikan Indonesia). In Proceedings of The 4th International Conference on Teacher Education (pp. 552-560).
Larasati, M., & Dewi, A. S., 2020. Analisis Hubungan Antara Financial Literacy dan Financial Distress (Studi Pada Dewasa Muda di Kota Medan). Jurnal Mitra Manajemen.
Lusardi, A., Mitchell, O. S., & Curto, V. 2009. Financial Literacy Among the Young: Evidence and Implications For Cunsumer Policy. National Bureau of Economic Research, 358–380.
Nurwinda, F., & Dewi, A. S. 2020. Analisis Hubungan Antara Financial Literacy dan Financial Distress. Jurnal Mitra Manajemen, 4(1), 126–139.
OECD. 2017. “PISA 2015 Financial Literacy Framework” in PISA 2015 Assessment and Analytical Framework: Science, Reading, Mathematic, Financial Literacy and Collaborative Problem Solving. Paris : OECD Publishing.
O’Neill, B., Prawitz, A. D., Sorhaindo, B., Kim, J., & Thomas Garman, E. 2006. Changes in health, negative financial events, and financial distress/financial well-being for debt management program clients. Journal of Financial Counseling and Planning, 17(2), 46–63.
Otoritas Jasa Keuangan. 2017. Strategi Nasional Financial literacy Indonesia (Revisit 2017). [Online]. Tersedia: https://www.ojk.go.id/id/berita-dan- kegiatan/publikasi/Documents/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-(Revisit-2017)-/SNLKI%20(Revisit%202017). Diakses 27 Oktober 2021.
Palameta, B., Nguyen, C., Hui, T. S., & Gyarmati, D. 2016. The link between financial confidence and financial outcomes among working-aged canadians for the Financial Consumer Agency of Canada. The Social Research and Demonstration Corporation, May, 1–63.
Parcia, R., & Estimo, E. 2017. Employees’ Financial Literacy, Behavior, Stress and Wellness. Journal of Human Resource Management , 5 (5), 78-89.
Prawitz, A. D., Garman, E. T., Sorhaindo, B., Neill, B. O., Kim, J., & Drentea, P. 2006. InCharge Financial Distress/Financial Well-Being Scale: Development, Administration, and Score Interpretation . Association for Financial Counseling and Planning Education. , 17 (1), 34-50.
Saputra, R. S., & Dewi, A. S. 2017. Peran Modal Sosial Sebagai Mediator Financial literacy dan Inklusi Keuangan Pada Kaum Muda di Indonesia (Studi Kasus pada Komunitas Investor Saham Pemula). Jurnal Manajemen Teori Dan Terapan | Journal of Theory and Applied Management, 10(3), 243.
Shockey, S. S. 2002. Low-wealth adults’ financial literacy, money management behaviors, and associated factors, including critical thinking (Doctoral dissertation, The Ohio State University).
Sugiyono. 2016. Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.
Sugiyono. 2017. Metode Penelitian Pendidikan: Pendekatan Kuantitatif, Kualitatif Dan R&D. Bandung: Alfabeta
Susiatun, E. 2018. Analisis Pengaruh Pertumbuhan Penduduk dan Pengangguran Terhadap Kemiskinan Di Provinsi Lampung Dalam Perspektif Ekonomi Islam Tahun 2007-2016. 141.
Wheelwright, V. 2011. The Personal Futures Workbook Fourth Edition.
Vu, N.N., & Scott, J. 2017. Financial Capability: Literacy, Behavior, and Distress. SSRN. 1-37.
Zulkarnaen, W., Fitriani, I., & Yuningsih, N. (2020). Pengembangan Supply Chain Management Dalam Pengelolaan Distribusi Logistik Pemilu Yang Lebih Tepat Jenis, Tepat Jumlah Dan Tepat Waktu Berbasis Human Resources Competency Development Di KPU Jawa Barat. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(2), 222-243. https://doi.org/10.31955/mea.vol4.iss2.pp222-243.
Published
2022-06-15
How to Cite
Rezkia, S., & Dewi, A. S. (2022). ANALISIS HUBUNGAN ANTARA FINANCIAL LITERACY DAN FINANCIAL DISTRESS. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(2), 390-407. https://doi.org/10.31955/mea.v6i2.1950
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