Influence of Demographic Factors and Socioeconomic Status of Parents on the Level of Financial Literacy in Generation Z
Keywords:
Financial literacy; gender; where to live; education; age; religion; income of parents; education of parents; Old man's job.
Abstract
This study aims to look at the influence of demogarfi factors and socio-economic status of parents on the level of financial literacy of generation Z in Padang City. The population in this study is generation Z who are in Padang City. The sample was selected using nonprobability sampling techniques. The sample obtained in this study were 200 people. The data in this study will be analyzed using multiple linear regression analysis with the SPSS program version 16.0. The results of this study are :(1) gender has no effect on the level of financial literacy (2) residence affects the level of financial literacy (3) education affects the level of financial literacy (4) age affects the level of financial literacy (5) religion has no effect on the level of financial literacy (6) parental income affects the level of financial literacy (7) paternal education has no effect on financial literacy level (8) The mother's influence on the level of financial literacy (9) of parents' work has no effect on the level of financial literacy.
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References
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Sarigül, H. (2014). A Survey of Financial Literacy Among University Students. Muhasebe ve Finansman Dergisi, 64, 207–224.
Shaari, N. A., Hasan, N. A., & Mohamed, R. K. M. H. (2013). Financial Literacy: A Study Among The University Students. 279–299.
Sucuahi, W. T. (2013). Determinants of Financial Literacy of Micro Entrepreneurs in Davao City. International Journal of Accounting Research, 1(1), 44–51. https://doi.org/10.12816/0001127
Sumarwan, U. (2011). Perilaku konsumen: Teori dan penerapannya dalam pemasaran. In Bogor: Ghalia Indonesia.
Thomas, B., & Subhashree, P. (2020). Factors that influence the financial literacy among engineering students. Procedia Computer Science, 172(2019), 480–487. https://doi.org/10.1016/j.procs.2020.05.161
Widayati, I. (2012). Faktor-faktor yang mempengaruhi literasi finansial mahasiswa fakultas ekonomi dan bisnis universitas brawijaya. Jurnal Akuntansi Dan Pendidikan, 1(1), 89–99. https://doi.org/10.1107/S1600536809037635
Ansong, A. and Gyensare, M. A. . (2012). Determinants of University WorkingStudents’ Financial Literacy at the University of Cape Coast, Ghana. International Journal of Business and Management, 7(9).
Anwar, A. I., Putri, R., & Sabir. (2020). Analisis Faktor-Faktor Yang Mempengaruhi Literasi Keuangan Pada Petani Tanaman Pangan dan Holtikultura di Kabupaten Maros Sulawesi Selatan. E-Journal Ekonomi Bisnis Dan Akuntansi, 7(2), 125–130. https://doi.org/10.19184/ejeba.v7i2.18898
Badan Pusat Statistik. (2021). Hasil Sensus Penduduk 2020. Berita Resmi Statistik, 27, 1–12. https://papua.bps.go.id/pressrelease/2018/05/07/336/indeks-pembangunan-manusia-provinsi-papua-tahun-2017.html
Bahrein, T. S. (1996). Sosiologi Pedesaan. Rajawali Press.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Zhongguo Jiguang/Chinese Journal of Lasers, 43(8), 107–128. https://doi.org/10.3788/CJL201643.0811001
Dolores, M. H., Manuel, S. V., & Campillo, S. J. (2018). Factors that influence the level of financial literacy among young people: The role of parental engagement and students’ experiences with money matters. Children and Youth Services Review, 95, 334–351. https://doi.org/10.1016/j.childyouth.2018.10.042
Douissa, I. Ben. (2019). Factors affecting College students’ multidimensional financial literacy in the Middle East. International Review of Economics Education, 35(July), 100173. https://doi.org/10.1016/j.iree.2019.100173
Erwin, Cholid, I., & Kristin, U. (2016). Analisis Pengaruh Usia, Jenis Kelamin, Pendidikan Dan Pendapatan Terhadap Tingkat Literasi Keuangan (Studi Kasus Konsumen Cv. Sejahtera Abadi). 1–5.
Fowdar. (2007). Financial Literacy: Evidence From Mauritius. Mauritius Research Council,.
Herawati, N. T. (2017). Tingkat Literasi Keuangan Mahasiswa serta Faktor-Faktor yang Mempengaruhinya. Seminar Nasional Riset Inovatif 2017, 5, 131–137. http://eproceeding.undiksha.ac.id/index.php/senari/article/download/928/667/
Homan, H. S. (2015). Comparative Study of Students Financial Literacy And Its Demographic Factors. Proceedings of the International Conference on Economics and Banking 2015, 5, 106–111. https://doi.org/10.2991/iceb-15.2015.16
Hungu. (2007). Demografi Kesehatan Indonesia. Grasindo.
Irman, M. (2018). Analisis Faktor-Faktor Yang Mempengaruhi Financial Literacy Di Kalangan Mahasiswa Universitas Muhammadiyah Riau (UMRI) Pekanbaru. Journal of Economic, Business and Accounting, 151(2), 180–197.
Keown, L.-A. (2011). The financial knowledge of Canadians. Canadian Social Trends, 91(11).
Khotimah, K., & Isbanah, Y. (2019). Demografi, Faktor Individu, Dan Literasi Keuangan Wanita Karir Di Surabaya. Jurnal Ilmu Manajemen (JIM), 7(2), 551–563.
Kotler, P., & Keller, K. L. (2009). Manajemen Pemasaran (12th ed.). PT Indeks.
Laily, N. (2016). Pengaruh Literasi Keuangan Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. Journal of Accounting and Business Education, 1(4). https://doi.org/10.26675/jabe.v1i4.6042
Lusardi, A., Mitchell, O. S., & Curto, V. (2009). Financial Literacy Among the Young: Evidence and Implications For Consumer Policy. National Bureau of Economic Research. https://www.nber.org/papers/w15352.pdf
Lusardi, A., Mitchell, O. S., & Curto, V. (2010). Financial Literacy among the Young. The Journal Of Consumer Affairs, 44(2), 358–380.
Mahaeni, N. K. K. N., Jayawarsa, A. A. K., & Bagiada, K. (2020). Faktor-Faktor Yang Mempengaruhi Literasi Keuangan Dalam Penggunaan Produk Dan Jasa Lembaga Keuangan. Warmadewa Economic Development Journal (WEDJ), 3(2), 59–64. https://doi.org/10.22225/wedj.3.2.2270.59-64
Mandell, L. (2008). The Financial Literacy Of Young American Adults. In University of Washington and the Aspen Institute. https://doi.org/10.1007/978-3-658-22081-5_2
Margaretha, F., & Pambudhi, R. A. (2015). Tingkat Literasi Keuangan Pada Mahasiswa S-1 Fakultas Ekonomi. 17(1), 76–85. https://doi.org/10.9744/jmk.17.1.76
Merdeka.com. (2020). OJK Ungkap Penyebab Tingkat Literasi Keuangan Indonesia Rendah. Www.Merdeka.Com. https://today.line.me/id/v2/article/p9zlEp
Nababan, D., & Sadailia, I. (2012). Analisis PersonalFinancial Literacy and Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara. Medan: Sumatera Utara.
Nidar, S. R., & Bestari, S. (2012). Personal Financial Literacy Among University Students (Case Study at Padjadjaran University Students , Bandung , Indonesia). World Journal of Social Sciences, 2(4), 162–171.
Ningtyas, M. N. (2019). Literasi Keuangan pada Generasi Milenial. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 13(1), 20–27. https://doi.org/10.32812/jibeka.v13i1.111
Nurhayati, K. (2018). Financial Literacy: A Study Among The University Students. Journal of Materials Processing Technology, 1(1), 1–8. http://dx.doi.org/10.1016/j.cirp.2016.06.001%0Ahttp://dx.doi.org/10.1016/j.powtec.2016.12.055%0Ahttps://doi.org/10.1016/j.ijfatigue.2019.02.006%0Ahttps://doi.org/10.1016/j.matlet.2019.04.024%0Ahttps://doi.org/10.1016/j.matlet.2019.127252%0Ahttp://dx.doi.o
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Robb, C. A., & Sharpe, D. L. (2009). Effect of Personal Financial Knowledge on College Students’ Credit Card Behavior. Journal of Financial Counseling and Planning, 20(1), 25–43. https://doi.org/10.1007/s10834-011-9259-y
Sakinah, G., & Mudakir, B. (2018). Analisis Literasi Keuangan Mahasiswa S-1 Fakultas Ekonomika Dan Bisnis Universitas Diponegoro Angkatan 2014 - 2017. Jurnal Dinamika Ekonomi Pembangunan, 1(2). https://doi.org/10.14710/jdep.1.2.54-70
Sarigül, H. (2014). A Survey of Financial Literacy Among University Students. Muhasebe ve Finansman Dergisi, 64, 207–224.
Shaari, N. A., Hasan, N. A., & Mohamed, R. K. M. H. (2013). Financial Literacy: A Study Among The University Students. 279–299.
Sucuahi, W. T. (2013). Determinants of Financial Literacy of Micro Entrepreneurs in Davao City. International Journal of Accounting Research, 1(1), 44–51. https://doi.org/10.12816/0001127
Sumarwan, U. (2011). Perilaku konsumen: Teori dan penerapannya dalam pemasaran. In Bogor: Ghalia Indonesia.
Thomas, B., & Subhashree, P. (2020). Factors that influence the financial literacy among engineering students. Procedia Computer Science, 172(2019), 480–487. https://doi.org/10.1016/j.procs.2020.05.161
Widayati, I. (2012). Faktor-faktor yang mempengaruhi literasi finansial mahasiswa fakultas ekonomi dan bisnis universitas brawijaya. Jurnal Akuntansi Dan Pendidikan, 1(1), 89–99. https://doi.org/10.1107/S1600536809037635
