The influence of financial literacy on the personal financial management of government employees

Caecilia Wahyu Estining Rahayu, Christina Heti Tri Rahmawati

Abstract


Financial literacy is a combination of financial knowledge, financial attitude and financial behavior that every individual needs in order to avoid financial issues. By performing personal financial management appropriately, a person can improve the quality of his life. This research aims at examining the effects of financial knowledge, financial attitude and financial behavior on the personal financial management of government employees in Kalibawang Community Health Center. The population of this research is every active government employee in Kalibawang Community Health Center and the sample is 50 of them. This research uses a questionnaire and sampling method by means of a saturated sampling technique and applies Multiple Linear Regression analysis. In the results of this research, it is found that the financial attitude and financial behavior had a positive and significant effect on the personal financial management of government employees in Kalibawang Community Health Center. Otherwise, financial knowledge has a negative and insignificant effect on personal financial management. These results are expected to provide insight on the government employees in Kalibawang Community Health Center that better financial attitude and financial behavior of the government employees do influence to better their personal financial management.


Keywords


Financial literacy; financial knowledge; financial attitude; financial behavior; personal financial management

Full Text:

PDF

References


Amanah, Rahadian & Iradianty. (2017). The Influence of Financial Knowledge, Financial Attitude and External Locus of Control on Personal Financial Management Behavior Case Study of Bachelor Degree Student at Telkom University. e-Proceeding of Management, 3 (2), 1228-1235.

Andrew, Vincentius & Linawati, Nanik. (2014). Hubungan Faktor Demografi dan Pengetahuan Keuangan dengan Perilaku Keuangan Karyawan Swasta di Surabaya. Finesta, 2 (2), 35-39.

Ariani, Sofi. (2015). Pengaruh Literasi Keuangan, Locus of Control, dan Etnis terhadap Pengambilan Keputusan Investasi. Artikel Ilmiah. Surabaya: Sekolah Tinggi Ilmu Ekonomi Perbanas.

Atkinson, A. & F. Messy. (2012). Measuring Financial Literacy: Results of the OECD/International Network on Financial Education (INFE) Pilot Study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15, OECD Publishing. Retrieved from (http://dx.doi.org/10.1787/ 5k9csfs90fr4-en).

Bowen, Cathy. (2003). Financial Knowledge of Teens and Their Parents. Financial Counseling and Planning, 13 (February), 93-102.

Ghozali, Imam. (2012). Statistik Non-Parametrik. Semarang: Badan Penerbit Universitas Diponegoro.

Herdjiono, Irene & Damanik, Lady Angela. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income terhadap Financial Management Behavior. Jurnal Manajemen Teori dan Terapan, 9 (3), 226 – 241.

Kapoor, Jack R, Dlabay, Les R. & Hughes, Robert J. (2012). Personal Finance. (10th edition). New York: McGraw Hill.

Lusardi, A & O.S. Mitchell. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52 (1), 5-44.

Manurung, Adler Haymans. (2012). Teori Investasi: Konsep dan Empiris. PT. Adler Manurung Press.

Margaretha, Farah & Sari, Siti May. (2015). Faktor Penentu Tingkat Literasi Keuangan Para Pengguna Kartu Kredit di Indonesia. Jurnal of Accounting and Investment, 16 (2), 132-144.

Maulita & Mersa, Nyoria Anggraeni. (2017). Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Pribadi Pada Mahasiswa di Politeknik Negeri Samarinda. SNITT, 136-143.

Mendari, AS & Kewal, SS. (2013). Tingkat Literasi Keuangan di Kalangan Mahasiswa STIE MUSI. Jurnal Economia, 9 (2), 130-140.

Mien & Thao. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP 15 Vietnam Conference), 1-16. ISBN: 978-1-63415-833-6.

Navickas, M, Tadas G & Emilia K. (2013). Influence on Financial Literacy on Management of Personal Finances in A Young Households. Lithuania.

Otoritas Jasa Keuangan. (2013). OJK Perkuat Upaya Inklusi dan Perluasan Akses Keuangan Melalui Literasi Keuangan. Majalah OJK Edisi November. Retrieved from (http://sikapiuangmu.ojk.go.id/public/ content/files/Majalah-OJK-2.pdf)

Rajna A. R. Anthony. (2011). Knowledge, Attitude, Practice and Satisfaction on Personal Financial Management among the Medical Practitioners in the Public and Private Medical Services in Malaysia. Faculty of Medicine Universiti Kebangsaan Malaysia Kuala Lumpur.

Santoso, Singgih. (2015). Menguasai Statistik Multivariat. Jakarta: PT Elex Media Komputindo.

Sarjono, Haryadi & Julianita, Winda. (2011). SPSS vs LISREL Sebuah Pengantar: Aplikasi untuk Riset. Jakarta: Salemba Empat.

Siahaan, Mega Dwi Rani. (2013). Pengaruh Literasi Keuangan terhadap Perilaku Pengelolaan Keuangan pada Mahasiswa Perguruan Tinggi di Surabaya. Artikel Ilmiah. Surabaya: Sekolah Tinggi Ilmu Ekonomi Perbanas.

Tandelilin, E. (2014). Portofolio dan Investasi Teori dan Aplikasi. Yogyakarta: Kanisius.

Wiharno, Herma. (2015). Karakteristik Sosial Ekonomi yang Mempengaruhi Literasi Keuangan serta Dampaknya terhadap Manajemen Keuangan Personal (Survei Pada Pegawai Negeri Sipil Daerah di Kabupaten Kuningan). JRKA, 1 (2), 1 - 15.

Xiao, J. J. (2009). Applying Behavior Theorities to Financial Behavior. J. J. Xiao (Ed.), Handbook of Consumer Finance Research, 69-81. New York: Springer.

Yulianti, Norma & Silvy, Meliza. (2013). Sikap Pengelola Keuangan dan Perilaku Perencanaan Investasi Keluarga di Surabaya. Journal of Business and Banking, 3 (1), 57 - 68.

Yushita, Amanita Novi. (2017). Pentingnya Literasi Keuangan bagi Pengelolaan Keuangan Pribadi. Jurnal Nominal, 6 (1), 11 – 26. http://keuangan.kontan.co.id/news/ojk-literasi-keuangan-masyarakat-masih-rendah




DOI: https://doi.org/10.30872/jinv.v15i2.5421

Refbacks

  • There are currently no refbacks.


Copyright (c) 2019 Caecilia Wahyu Estining Rahayu, Christina Heti Tri Rahmawati

Crossref logo 

Editorial Address

INOVASI: Jurnal ekonomi, keuangan dan manajemen
Faculty of Economics and Business, Mulawarman University
Jl. Tanah Grogot No.1 Samarinda Kalimantan Timur 75119
Email: jakt.feb.unmul@gmail.com

StatCounter: INOVASI: Jurnal ekonomi, keuangan dan manajemen