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All Journal Journal of Management, Economic, and Accounting Proceeding Of International Conference On Education, Society And Humanity
Widya, Atika
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THE EFFECT OF FINANCIAL LITERACY AND SOCIOECONOMIC BACKGROUND ON STUDENTS' FINANCIAL EDUCATION AT SMK PAB 2 HELVETIA Fadlan, Ahmad; Suhendi, Suhendi; Widya, Atika
PROCEEDING OF INTERNATIONAL CONFERENCE ON EDUCATION, SOCIETY AND HUMANITY Vol 3, No 1 (2025): First International Conference on Education, Society and Humanity
Publisher : PROCEEDING OF INTERNATIONAL CONFERENCE ON EDUCATION, SOCIETY AND HUMANITY

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Abstract

This research investigates the effect of financial literacy and socioeconomic background on students' financial education at SMK PAB 2 Helvetia. Financial literacy is increasingly recognized as an essential skill for managing personal finances, yet many students, particularly in vocational schools, face challenges in understanding and applying key financial concepts. The study highlights the role of socioeconomic factors, such as family income and parental education, in shaping students' financial literacy. A quantitative approach was employed, with a sample of 50 students from diverse socioeconomic backgrounds. The data was collected using a structured survey that measured financial literacy across budgeting, saving, investing, and debt management. The results, analyzed using ANOVA, reveal that students from higher-income families had significantly better financial literacy scores than those from middle- or low-income families. The study suggests that targeted financial education programs are essential for improving financial literacy, particularly for students from disadvantaged backgrounds. This research emphasizes the need for inclusive and accessible financial education tailored to the varying socioeconomic contexts of students.
The Effect of Socioeconomic Factors and Financial Knowledge on The Financial Literacy of Generation Z at SMK PAB 2 Helvetia Ahmad Fadlan; Suhendi, Suhendi; Widya, Atika
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.1084

Abstract

This study aims to analyze the impact of socioeconomic factors and financial knowledge on the financial literacy of Generation Z at SMK PAB 2 Helvetia. This research uses a quantitative method with a descriptive and explanatory approach to measure and analyze the influence of two independent variables on the dependent variable. The population in this study consists of all Generation Z students at SMK PAB 2 Helvetia, ranging from grade X to grade XII. The sample consists of 100 respondents selected randomly and meeting the research criteria. Data collection was conducted through a survey method with a questionnaire distributed to the selected students. The results of the study indicate that socioeconomic factors have a significant effect on financial literacy, while financial knowledge does not show a significant impact on financial literacy among Generation Z at SMK PAB 2 Helvetia. These findings highlight the importance of socioeconomic factors in improving financial literacy among students, while financial knowledge requires a more in-depth approach in its teaching.
Co-Authors Ahmad Fadlan Fadlan, Ahmad Suhendi Suhendi