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All Journal Al-Kharaj: Journal of Islamic Economic and Business
Annisa Zahrina Dharmawan
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Economics, Econometrics & Finance

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The Effect of Financial Literacy, Cost of Education and Future Orientation on Financial Well-Being in Taking Education Insurance Policie Annisa Zahrina Dharmawan; Nurbaiti; Tuti Anggraini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.7547

Abstract

This study aims to analyze the influence of financial literacy, education costs, and future orientation on financial well-being in taking education insurance policies in Deli Serdang Regency. The background of this study is based on the low level of insurance literacy and inclusion in Indonesia, especially in education insurance products, which has implications for less than optimal family financial planning for children's education needs. Through a quantitative approach, this study examines the relationship between the three independent variables on people's financial well-being in the context of decisions to take education insurance policies. The results of the study indicate that financial literacy and future orientation have a significant positive effect on financial well-being, while the high cost of education is an inhibiting factor in making education insurance decisions. These findings emphasize the importance of financial education and increasing public awareness of future planning in order to achieve family financial well-being, as well as the need for strategies to reduce education costs so that education insurance is more affordable and inclusive.
Co-Authors Nurbaiti Putri Wulandini Sagala Salwa Hayati Harahap Silpiah Jahra Nasution Tuti Anggraini