The Influence Of Financial Literacy Levels On Financial Management Among Housewives In Balangdatu, Tanakeke Islands District, Takalar Regency
DOI:
https://doi.org/10.55227/ijerfa.v2i3.106Abstract
This research aims to determine the influence of the level of financial literacy on financial management among housewives. The method used in this research is quantitative. This research used 108 respondents with data collection techniques using the Solvin technique. The independent variable in this research is financial literacy, while the dependent variable is financial management. The data collection technique uses a questionnaire (Likert scale). The data analysis technique used is simple linear regression analysis. To strengthen the questionnaire data, validity and reliability tests were carried out. The normality test, heteroscedasticity test, and auto correlation test are used to provide certainty that the data held is unusual. Hypothesis testing in this research uses the t-test (partial) and the coefficient of determination (R). The results of this research show that financial literacy has a positive and significant influence on financial management among housewives in Balangdatu, Tanakeke Islands District, Takalar Regency.
References
Akmal, H., & Saputra, Y. E. (2016). Analysis of Financial Literacy Levels.Jeb (Journal of Islamic Economics and Business), (Online). Vol 1 No (2), 235–244. (Http://Journal.Febi.Uinib.Ac.Id/Index.Php/Jebi/Article/View/37, October 2, 2023)
Adriahningsih, (2022). The influence of financial literacy on financial management among housewives, (online). Vol 8 No (1). (http://jurnal.unmuhjember.ac.id/index.php/JMBI/article/view/7812)
Atis, R., Manoma, S., & Posi, S. H. (2022). Financial Management of Bidikmisi and Kipkuliah Scholarship Recipient Students. Journal of trust research accounting, 10(1).
Central Bureau of Statistics. (2023).Central Bureau of Statistics, (Online) (Https://Www.Bps.Go.Id/Subject/12/Kependudukan.Html, Accessed October 5, 2023)
Chen, H., & Volpe, R. P. (1998). An Analysis Of Personal Financial Literacy Among Students. Financial Services Review, (Online). No 43 Vol (8), 107–128. (Https://Doi.Org/10.37s88/Cjl201643.0811001, Accessed October 2, 2023)
In Islam, 2023. Duties of Housewives in Islam, (Online). (Https://Dalamislam.Com/Hukum-Islam/Wanita/Tugas-Ibu-Rumah-Tangga-Dalam-Islam, Accessed September 27, 2023)
Juliandi, A., Irfan., Manurung, S., & Satriawan, B. (2018).Processing Business Research Data With Spss (R. Franita (Ed.)). Dan Research Institute Intellectual Scientific Writing.
Takalar Regency, (2023). Takalar Regency Regional Government, Takalar Regency Profile, (Online). (Https://Takalarkab.Go.Id/About, Accessed October 5, 2023)
Ministry of Religion of the Republic of Indonesia, South Sulawesi Province, 2022. Housewife is the toughest profession compared to other jobs, (Online). (Https://Sulsel.Kemenag.Go.Id/Daerah/Ibu-Rumah-Tangga-Adalah-Profesi-Terberat-Dibanding-Pekerjaan-Lainnya-Xc3lg, Accessed September 27, 2023)
Republic of Indonesia Ministry of Finance, 2021. The Role of Mothers in Families, Organizations and Society, (Online). (Https://Www.Djkn.Kemenkeu.Go.Id/Kpknl-Denpasar/Baca-Artikel/14520/Peran-Ibu-Dalam-Keluarga-Organisasi-Dan-Masyarakat., Accessed 27 September 2023).
Margaretha, F., & Pambudhi, R. A. (2015). Financial Literacy Levels in Undergraduate Students.Jmk, (Online). Hal17 Vol (1), 76–85. (Https://Doi.Org/10.9744/Jmk.17.1.76, October 2, 2023)
Muna Dahlia (2020). The influence of the level of sharia financial literacy on the decision to use sharia financial institutions (study of lecturers at Ar-Raniry State Islamic University, (Online). (Online). (thesis1.pdf, accessed 2 October 2023).
Naja Bachelor, 2023. Defines Secondary Data and How to Obtain It, (Online). (Https://Www.Detik.Com/Edu/Detikpedia/D-6843072/Definisi-Data-Sekunder-Dan-Cara-Memperolehnya, Accessed October 1, 2023)
OJK. (2023). Republic of Indonesia Financial Services Authority.Https://Ojk.Go.Id/Id/Regulasi/Pages/Peningkatan-Literasi-Dan-Inklusi-Keuangan-Di Financial-Services-Sector-For-Consumers-And-Society
Financial Services Authority, National Strategy for Financial Literacy in Indonesia (Revised 2017) (Https://Ojk.Go.Id/Id, 26 September 2023)
Sari, M. M., Nengsih, T. A., & Syahrizal, A. (2023). The Influence of Financial Literacy and Lifestyle on the Consumptive Behavior of Sharia Financial Management Students Class of 2018-2019. Journal Of Creative Student Research (Jcsr), 1(2), 137–151.
Seran, M. S. B., & Pattipeilohy, A. (2021). Management of Personal Finances for University of Timor Students. Scientific Journal of Accounting and Finance, 4(1).
Salahuddinta, A., & Susanti. (2014). The Influence of Financial Education in the Family, Work Experience and Learning in Higher Education on Financial Literacy. Journal of Accounting Education, Vol 2, No 2, 1-10.
Sri Mulyati, & Ravika Permata Hati. (2021). The Influence of Financial Literacy and Attitudes Towards Money on Family Financial Management. Indonesian Accounting and Finance Scientific Journal, 4(2), 33–48. (Https://Doi.Org/10.31629/Jiafi.V4i2.3251)
Sugiyono (2019). Quantitative, Qualitative, and R&D Research Methods. Bandung: Tegal. Journal of the Ganesha Meda Polytechnic Institution (Juripol). Vol.1 Number
Sugiyono. (2017). Educational Research Methods (Qualitative, Quantitative and R&D Approaches). Alphabet.
Suryaningtyas, S., & Nanang, M. (2023). Compliance of Housewives in Muara Rapak, North Balikpapan District in Responding to Covid-19 Handling Policies (Health Protocols).Ejournal of Social Development, 2023(2), 10–18.
Umar Muctar, (2020). Analysis of the Level of Financial Literacy in Managing Money among Housewives in Huta Afdeling Ii Dolok Ulu, Tapian Dolok District, Simalungun Regency.
Viva Budy, Indonesian Financial Literacy Index 2013-1019 (Https://Databoks.Katadata.Co.Id/Datapublish/2022/09/26/Tingkat-Literasi-Keuangan-Masyarakat-Indonesia-Masih-Rendah, 25 September 2023)
Wahyuni, R., Irfani, H., Syahrina, I. A., & Mariana, R. (2019). The Influence of Lifestyle and Financial Literacy on Online Shopping Consumptive Behavior among Housewives in Lubuk Begalung District, Padang City.Jurnal Benefita, 4(3), 548. (Https://Doi.Org/10.22216/Jbe.V4i3.4194
Yushita. (2017) The Importance of Financial Literacy for Personal Financial Management (Https://Journal.Uny.Ac.Id/Index.Php/Nominal/Article/View/14330, 25 September 2023)
Nur Inayah Ismail Nasrullah. (2018) Financial Performance Analysis of the Camel Method at PT. Bank Sulselbar Makassar. (https://scholar.google.com/citations?view_op=view_citation&hl=id&user=i137GYoAAAAJ&citation_for_view=i137GYoAAAAJ:UeHWp8X0CEIC, 20 April 2024)
