Level of financial literacy among students
Abstract
Personal financial management (financial planning and control) is one form of application of financial management. For most students, college is the first time they manage their finances without the supervision of their parents. Students must be able to manage their finances properly independently and must also be able to take responsibility for the decisions they have made. This research aims to determine students' literacy levels and personal opinions about their respective financial decisions. The method used is descriptive qualitative, adjusting opinions between researchers and informants. The data source in descriptive qualitative research is a questionnaire (list of questions). The object of this research is students currently studying at the Indoneisa Institute of Business and Technology (INSTIKI) in Denpasar, Bali. The respondents in this study were 100 people. The results indicated that financial education and financial literacy should be provided early. The conclusion of this study states that the level of financial literacy possessed by students who are respondents in this study is at an intermediate level. And in deciding their respective finances, they have been able to recognize existing financial products but have not explored the procedures and processes for running them in the future.
Downloads
References
Ayi. (2022, September). Beli Saham Semudah Belanja Online , Mahasiswa Diajak Berinvestasi. 28 September, 1–7.
Herawati, N. T. (2017). Tingkat Literasi Keuangan Mahasiswa serta Faktor-Faktor yang Mempengaruhinya. Seminar Nasional Riset Inovatif 2017, 5, 131–137.
Kristanti, E. Y., & Rinofah, R. (2021). Karakteristik Literasi Keuangan (Studi Kasus Mahasiswa Fakultas Ekonomi Universitas Sarjanawiyata Tamansiswa). Jurnal Manajemen STIE Muhammadiyah Palopo, 7(1), 1. https://doi.org/10.35906/jm001.v7i1.672
Li, H. A., Kannan, P. K., Viswanathan, S., & Pani, A. (2016). Attribution strategies and return on keyword investment in paid search advertising. Marketing Science, 35(6), 831–848. https://doi.org/10.1287/mksc.2016.0987
Mendari, A. S., & Kewal, S. S. (2013). Tingkat Literasi Keuangan Di Kalangan Mahasiswa Stie Musi. Jurnal Economia, Vol. 9(No. 2), 130–140.
Nidar, R. S., & Bestari, S. (2012). Personal Financial Literacy Among University Students And Analyze Factors That Influence IT. World Journal of Social Sciences, 2(4), 162–171.
Pahrudin, Hakim, I. W., & Shollina. (2018). Analisis Tingkat Literasi Keuangan Mahasiswa Universitas Hamzanwadi dan Faktor-Faktor Yang Mempengaruhinya. Jpek, 2(2), 118–129.
Perwitasari, A. S. (2022, November). Mahasiswa IPB Beberkan Kronologi Kasus Pinjol dengan Kerugian Miliaran Rupiah. Https://Nasional. Kontan.Co.Id/News/, 1–7.
Purwanti, T. (2022, December). Indeks Literasi Keuangan Indonesia Naik, Ini Maknanya. CNBC Indonesia, 4–9.
Sugiyono. (2017). Metode penelitian: Pendekatan Kuantitatif, Kualitatif, dan R&D. Bandung : Alfabeta, 2015.
Susila, J. (2022). Kecerdasan Finansial. Https:Www.Kemenkeu.Go.Id/Home, 2, 10–13.
Syah, M. A. (2022). Analisis Tingkat Literasi Keuangan Mahasiswa Perguruan Tinggi Negeri. Jurnal Ilmu Manajemen, 10(2), 545–553.
Ulfatun, T., Udhma, U. S., & Dewi, R. S. (2016). Analisis Tingkat Literasi Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta Tahun Angkatan 2012-2014. Pelita, XI(2), 1–13.
Utomo, M. N., & Kaujan. (2019). Peran Literasi Keuangan Dalam Meningkatkan Kinerja UKM di Kota Tarakan. Jurnal Manajemen Indonesia, 19(2), 139.
Widayanti, I. (2012). Faktor-Faktor Yang Mempengaruhi Literasi Finansial Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Brawijaya. ASSET: Jurnal Akuntansi Dan Pendidikan, 1(1), 89–99. https://doi.org/10.1107/S1600536809037635
Yushita, A. N. (2017). Pentinya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal :Barometer Riset Akuntansi Dan Manajemen, VI, 15.
