Pengaruh Faktor Demografi terhadap Literasi Keuangan
Abstract
Financial knowledge is one of the important aspects in life today. This study aims to determine the level of financial literacy in motorbike workshop SMEs in Kec.Siak Hulu Kab. Kampar and analyze whether demographic factors consisting of education level, income level, duration of business and age affect the level of financial literacy among workshop entrepreneurs. The number of samples in this study are 50 workshop entrepreneurs with the research method used is the survey method by obtaining data through questionnaires. While the analysis used in this test is binary logistic regression analysis. The results showed that the level of financial literacy for business people was in the low category with a percentage of 48%. The variables that influence the level of financial literacy are income level variables and besides these variables which consist of education level, duration of business and age does not affect the level of financial literacy for business actors.
keywords: Financial Literacy, Education Level, Income Level, Duration, Age
References
Della Cahya Kamila. (2015). Determinan tingkat literasi keuangan pelaku UMKM perempuan di Kabupaten Mempawah Kalimantan Barat.
Hilgert,Marianne A., Jeanne M.Hogarth dan Sondra Baverly. (2003). Household Financial Management : The Connection between Knowledge and Behavior.Federal Reserve Bulletin,89(7):309-322.
Ida dan Chintia Yohana Dwinta. (2010). Pengaruh locus of control, financial knowledge,danincome terhadap financial management behavior. Jurnal Bisnis dan Akuntansi, 12(3): 131 – 144.
Japelli, Tulio. (2009). Economic Literacy: An Economic Comparison. Working Paper 289. Centre for studies in Economics and Finance: University of Salerno. www.csef.it/WP/wp238.pdf diakses pada tanggal 7 Maret 2014.
Krishna, Ayu (2010). Analisis tingkat literasi keuangan di kalangan mahasiswa dan faktor-faktor yang mempengaruhinya (survey pada mahasiswa universitas pendidikan indonesia).
Keown, L. A. (2011). The financial knowledge of Canadians. Component of Statistics Canada Catalogue, 11-008-X, 30–39.
MasterCard. 03 Juli 2013. Newzealenders Best at Money Management and Continue to Top TheIndex. http://bit.ly/1cLPC2l.
Mandell, L (2008). The financial literacy of young Americam Adult: Result of the national jump$tart coalition survey of high scholl seniors and college student.
Miranda Gultom,Sambutan Deputi Gubernur Senior Bank Indonesia pada Seminar “Strategi Pengembangan Lembaga Keuangan Syariah di Indonesia†BI, Jakarta 15 September 2005.
Netti tina prilla, Elang ilik M. (2008). Punya bisnis sendiri itu nikmat,
Rahmana, Arief. (2008).Usaha Kecil dan Menengah(UKM), Informasi Terdepan tentang Usaha KecilMenengah, (online), (http://infoukm.wordpress.com, diakses 1 oktober 2011)
Riski Amaliyah Dan Setyo Witiastuti, (2015). Analisis Faktor Yang Mempengaruhi Tingkat Literasi Keuangan Di Kalangan UMKM Kota Tegal.Fakultas ekonomi semarang.
Rita, M.R .& Kusumawati,R. (2010). Pengaruh variabel sosio demografi dan karakteristik finansial terhadap sikap, normasubyektif dan control prilaku menggunakan kartu kredit. 109-128.
Sumiyati, (2006). Menuju kecerdasan finansial. Prinsip-prinsip dasar. Alfabeta
Tasya Desiyana. (2015). Analisis Tingkat Literasi Keuangan Pada Pelaku Usaha Mikro Kecil Dan Menengah Di Daerah Istimewa Yogyakarta. Universitas muhammadiyah yogyakarta.
Widayati, I. (2012). Faktor-faktor yang mempengaruhi literasi finansial mahasiswa fakultas ekonomi dan bisnis fakultas brawijaya. Jurnal akuntansi pendidikan 1 (1),89-99.
