Analysis of financial literacy level of civil servants in Padang City
Keywords:
Financial Literacy, Civil Servants
Abstract
The purpose of this study was to determine how the level of financial literacy in civil servants in the city of Padang. This research is a quantitative research using descriptive method. The population in this study, namely Civil Servants in Padang City, found 9,030 people. The number of samples in this study were 130 people using a non-probability purposive sampling technique.
The results of this study indicate that the level of financial literacy in Civil Servants in Padang City is high with a score of 4.38 (88%); general knowledge with a score of 4.63 (93%); saving and borrowing 4.03 (81%); insurance with a score of 4.48 (90%); and investment with a score of 4.36 (87%).
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References
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Sekaran, U. (2006). Metodologi Penelitian untuk Bisnis Buku . Jakarta: Salemba Empat.
Senda, D. A., Rahayu, C. W. E. and Tri Rahmawati, C. H. (2020) ‘The Effect of Financial Literacy Level and Demographic Factors on Investment Decision’, Media Ekonomi dan Manajemen, 35(1), p. 100. doi: 10.24856/mem.v35i1.1246.
Susdiani, L. (2017) ‘Pengaruh Financial Literacy dan Financial Experience Terhadap Perilaku Perencanaan Investasi PNS Di Kota Padang’, Jurnal Pembangunan Nagari, 2(1), pp. 61–74.
Wagland, S. P. and Taylor, S. (2009) ‘When it comes to financial literacy , is gender really an issue ?’, Australasian Accounting, Business and Finance Journal, 3(1), pp. 13–25. Available at: http://ro.uow.edu.au/aabfj/vol3/iss1/3.
Alaaraj, H. and Bakri, A. (2020) ‘The Effect of Financial Literacy Level and Demographic Factors on Investment Decision’, Media Ekonomi dan Manajemen, 35(1), p. 100. doi: 10.24856/mem.v35i1.1246.
Amagir, A. et al. (2018) ‘A review of financial-literacy education programs for children and adolescents’, Citizenship, Social and Economics Education, 17(1), pp. 56–80. doi: 10.1177/2047173417719555.
Ates, S. et al. (2016) ‘Impact of Financial Literacy on the Behavioral Biases of Individual Stock Investors : Evidence from Borsa Istanbul’, Business and Economics Research Journal, 7(3), pp. 1–19.
Atkinson, A. and Messy, F.-A. (2012) ‘Measuring Financial Literacy: Results of the Oecd Infe Pilot Study’, Oecd, (15), pp. 1–73.
Awais, M. (2016) ‘International Journal of Economics and Financial Issues Impact of Financial Literacy and Investment Experience on Risk Tolerance and Investment Decisions: Empirical Evidence from Pakistan’, International Journal of Economics and Financial Issues, 6(1), pp. 73–79. Available at: http:www.econjournals.com.
Bhushan, P. and Medury, Y. (2013) ‘Financial Literacy and its Determinant’, International Journal of Engineering, Business and Enterprise Applications (IJEBEA), (January 2013), pp. 140–145.
Chen, H. and Volpe, R. P. (1998) ‘An Analysis of Personal Financial Literacy Among College Students’, Financial Services Review, 7(2), pp. 107–128.
Dewi, I. M. and Purbawangsa, I. B. A. (2018) ‘Fakultas Ekonomi dan Bisnis Universitas Udayana , Bali , Indonesia PENDAHULUAN Pengetahuan keuangan dasar serta skill untuk mengelola sumber daya keuangan secara efektif demi kesejahteraan hidupnya diperlukan setiap individu . Kebutuhan individu dan produ’, 7, pp. 1867–1894.
Fitra, H., Rasyid, R. and Susanti, Y. (2018) ‘The Influence of Locus of Control and Financial Knowledge to Employee Investing Decision PT . Pertamina ( Persero ) Branch of Padang’, Advances in Economics, Business and Management Research, 57(Piceeba), pp. 174–184.
Hardiwinoto (2013) Teori dan Praktik Keputusan Investasi Sektor Rill dan Finansial. Semarang: Unimus Press.
Herlianto, D. (2013) manajemen investasi plus jurus mendeteksi investasi bodong, Pustaka Baru. Yogyakarta.
https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/Literasi-Keuangan.aspx
https://sumbar.bps.go.id/
Indriantoro, Nur dan Bambang Supomo. 2018. Metodologi Penelitian dan Bisnis.Yogyakarta: BPFE Yogyakarta
Laily, N. (2016) ‘Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan’, Journal of Accounting and Business Education, 1(4). doi: 10.26675/jabe.v1i4.6042.
Lusardi, A. (2008) ‘HOUSEHOLD SAVING BEHAVIOR: THE ROLE OF FINANCIAL LITERACY, INFORMATION, AND FINANCIAL EDUCATION PROGRAMS’, National Bureu Of Economic Research.
Lusardi, A. (2015) ‘Financial literacy : Do people know the ABCs of finance ?’, Public Understanding of Science, 24(3), pp. 260–271. doi: 10.1177/0963662514564516.
Lusardi, A., Mitchell, O. S. and Curto, V. (2010) ‘The Journal of Consumer Affairs’, The Journal of Consumer Affairs, 44(2), pp. 358–380. Available at: http://www.councilforeconed.org/wp/wp-content/uploads/2011/11/Financial-Literacy-for-Young-Lusardi.pdf.
Lusardi, A. and Mitchelli, O. (2007) ‘Financial literacy and retirement preparedness: Evidence and implications for financial education’, Business Economics, 42(1), pp. 35–44. doi: 10.2145/20070104.
Panjaitan, H. C. and Juniarly, A. (2018) ‘Peran harga diri terhadap motivasi menjadi pns pada masyarakat sumatera selatan’, Doctoral dissertation, Sriwijaya University.
Pratiwi, N. G. and Siswantini, T. (2019) ‘Analisis Keputusan Investasi Pasar Modal pada Generasi Millennial’, (2), pp. 556–567.
Putra, I. P. S. et al. (2016) ‘Pengaruh tingkat literasi keuangan, Experienced Regret , dan Risk Tolerance pada Pemilihan Jenis Investasi’, journal of Business and Banking, 5(2), pp. 271–282. doi: 10.14414/jbb.v5i2.548.
Putri, N. M. D. R. and Rahyuda, H. (2017) ‘Pengaruh Tingkat Financial Literacy Dan Faktor Sosiodemografi Terhadap Perilaku Keputusan Investasi Individu’, E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 9, p. 3407. doi: 10.24843/eeb.2017.v06.i09.p09.
Rasyid, R. (2012) ‘ANALISIS TINGKAT LITERASI KEUANGAN MAHASISWA PROGRAM STUDI MANAJEMEN FAKULTAS EKONOMI UNIVERSITAS NEGERI PADANG’, Jurnal Kajian Manajemen Bisnis, 1.
Remund, D. L. (2010) ‘Financial literacy explicated: The case for a clearer definition in an increasingly complex economy’, Journal of Consumer Affairs, 44(2), pp. 276–295. doi: 10.1111/j.1745-6606.2010.01169.x.
Sekaran, U. (2006). Metodologi Penelitian untuk Bisnis Buku . Jakarta: Salemba Empat.
Senda, D. A., Rahayu, C. W. E. and Tri Rahmawati, C. H. (2020) ‘The Effect of Financial Literacy Level and Demographic Factors on Investment Decision’, Media Ekonomi dan Manajemen, 35(1), p. 100. doi: 10.24856/mem.v35i1.1246.
Susdiani, L. (2017) ‘Pengaruh Financial Literacy dan Financial Experience Terhadap Perilaku Perencanaan Investasi PNS Di Kota Padang’, Jurnal Pembangunan Nagari, 2(1), pp. 61–74.
Wagland, S. P. and Taylor, S. (2009) ‘When it comes to financial literacy , is gender really an issue ?’, Australasian Accounting, Business and Finance Journal, 3(1), pp. 13–25. Available at: http://ro.uow.edu.au/aabfj/vol3/iss1/3.
