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All Journal JURNAL LENTERA BISNIS Jurnal Ilmiah Edunomika (JIE) JURNAL RECTUM: Tinjauan Yuridis Penanganan Tindak Pidana JURNAL LENTERA AKUNTANSI Jurnal Pengabdian Masyarakat dan Penelitian Thawalib Journal of Social Science and Multidisciplinary Analysis Jurnal Ekualisasi Journal of Community Research & Engagement (JCRE)
Zulkarnain, Nizar
Akuntansi, STIE Ganesha
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Jurnal Ilmiah Edunomika (JIE)

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PERENCANAAN KEUANGAN JANGKA PANJANG UNTUK MEMUTUSKAN SIKLUS GENERASI SANDWICH Ujang Kusnaedi; Nizar Zulkarnain; Rasmawati AR
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 3 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i3.18064

Abstract

The sandwich generation phenomenon, wherein individuals simultaneously support both elderly parents and dependent children, has emerged as an increasingly critical issue amidst Indonesia’s complex socioeconomic landscape. This study aims to identify the financial literacy level of the sandwich generation and analyze its impact on long-term financial planning practices. A descriptive quantitative approach was employed, involving 100 respondents aged 30–50 years residing in the Greater Jakarta area (Jabodetabek) who met the criteria for multigenerational financial responsibilities. Data were collected through a closed-ended Likert-scale questionnaire and semi-structured interviews, and analyzed using descriptive statistics, Pearson correlation, and simple linear regression with SPSS version 25. The findings revealed that financial literacy among respondents was at a moderate level, but remained insufficient in terms of long-term financial products. A positive and significant relationship was found between financial literacy and financial planning (r = 0.514; p < 0.05), with financial literacy also having a significant effect on financial planning practices (R² = 0.264). These results Keywords : Sandwich generation, financial literacy, financial planning, multigenerational burden, financial education, Jabodetabek.
Co-Authors Abdul Kohar Aep Saefullah Agung Budi Cahyono Ahmad Fadli Ahmad Hambali, Ahmad Aisha , Neila Arda, Devid Putra Elvira Sitna Hajar Fadli , Ahmad Fahri Fahri Febriana, Ananda Sari Fisy Amalia Fuad Gagarin Siregar Halim Tjiwidjaja Hendra Candra Husnul Khatimah Jayaun, Jayaun Joned C. Saksana Neila Aisha Noor , M. Arief Nurhayati Nurhayati Paokuma, Hasbibi Ramayanti , Putri Noor Rasmawati AR Rombouw, Sahrul RR. Ella Evrita Hestiandari Saputra, Riyawan Siregar, Fuad Sukardi Sukardi Tafsiruddin, M. Tjiwijdjaja, Halim Ujang Kusnaedi WICAKSONO, ADI