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All Journal Ekuitas: Jurnal Pendidikan Ekonomi Media Ekonomi dan Manajemen Ekuitas Jurnal Pnedidikan Ekonomi
Windi Widiawati
Universitas Islam Syekh-Yusuf
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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The Impact of Financial Education and Socioeconomic Status on the Undergraduate Students' Financial Literacy Khusaini Khusaini; Bambang Mardisentosa; Asep Ferry Bastian; Ruhiyat Taufik; Windi Widiawati
Media Ekonomi dan Manajemen Vol 37, No 1 (2022): January 2022
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (374.28 KB) | DOI: 10.24856/mem.v27i01.2385

Abstract

Financial literacy is a crucial variable for researchers and policymakers because financial literacy's contribution encourages inhabitants to organize future financial planning and decision improvement. The study aims to empirically investigate the determinants of financial literacy such as financial education, parents' socioeconomic status, and gender. The authors used a cross-sectional survey approach with N = 325 samples. The result of measuring students' financial literacy showed a moderate condition (moderate level). The multiple linear regression models showed that parents' socioeconomic status significantly improved students' financial literacy. Meanwhile, financial education and gender did not prove significant in influencing students' financial literacy. The empirical study generated that encouraging parents is one of the essential policy elements in improving students' financial literacy. The higher students' socioeconomic status tends to encourage better financial planning and decision because they comprehend the literacy skills.
Peningkatan Literasi Keuangan Melalui Efikasi Diri dan Sosial Ekonomi Orang Tua Windi Widiawati; Khusaini; Andi Yustira L. Wahab
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 10 No. 2 (2022)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v10i2.52772

Abstract

Todays’ increasingly complex social and economic life requires good financial literacy knowledge and skills for all individuals. This study examines the effect of self-efficacy, socioeconomic status, and financial education on students’ financial literacy. The sample size was 98 students (10% sampling error). The sample selection technique is simple random sampling with predetermined criteria. We utilized the Logistic Binary Regression model. Research instruments distributed to samples have been tested for validity and reliability. Distribution of questionnaires utilizing google form through WhatsApp groups. The study found that students who had financial planning skills, basic understanding of macroeconomics, considerations in the use of money, saving and investment behavior, planning retirement, and analyzing risk are characteristics of financially literate students. The test results found that self-efficacy and socioeconomic status of student parents were significant determinants in improving financial literacy. On the contrary, financial education had no significant effect. This result implies that students are always able to cover their own weaknesses with strengths by understanding and changing behavior in making financial planning and decisions. Meanwhile, rational financial decisions in the family should be known by their children and involve them.
Peningkatan Literasi Keuangan Melalui Efikasi Diri dan Sosial Ekonomi Orang Tua Windi Widiawati; Khusaini; Andi Yustira L. Wahab
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 10 No. 2 (2022)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v10i2.52772

Abstract

Todays’ increasingly complex social and economic life requires good financial literacy knowledge and skills for all individuals. This study examines the effect of self-efficacy, socioeconomic status, and financial education on students’ financial literacy. The sample size was 98 students (10% sampling error). The sample selection technique is simple random sampling with predetermined criteria. We utilized the Logistic Binary Regression model. Research instruments distributed to samples have been tested for validity and reliability. Distribution of questionnaires utilizing google form through WhatsApp groups. The study found that students who had financial planning skills, basic understanding of macroeconomics, considerations in the use of money, saving and investment behavior, planning retirement, and analyzing risk are characteristics of financially literate students. The test results found that self-efficacy and socioeconomic status of student parents were significant determinants in improving financial literacy. On the contrary, financial education had no significant effect. This result implies that students are always able to cover their own weaknesses with strengths by understanding and changing behavior in making financial planning and decisions. Meanwhile, rational financial decisions in the family should be known by their children and involve them.
Co-Authors Andi Yustira L. Wahab Bambang Mardi Sentosa Bastian, Asep Ferry Khusaini, Khusaini Ruhiyat Taufik