Literasi Keuangan Dan Tingkat Beban Utang Pada Generasi Milenial Di Bengkulu

  • Oktafian Histori S Institut Agama Islam Negeri Curup


This study aims to examine the level of financial literacy and its relationship with the level of one's debt burden in the millennial generation in Bengkulu. The methodology of this research was carried out with qualitative methods with technical data collection through semi-structured interviews. The findings of this study indicate that the millennial generation in Bengkulu has a fairly good level of financial literacy, which is 42% and there is a significant relationship between the level of financial literacy and the level of their debt burden. In addition, the largest composition of the debt burden among the millennial generation is multipurpose loans, followed by housing loans, motor vehicle loans and other household loans. The main problem with the level of debt burden is the lack of financial management and financial skills of respondents.

Keywords: Financial Literacy, Debt Burden, Millennials



Aidha, C. N., Armintasari, F., & Mawesti, D. (2020). Risiko Keterlilitan Utang Rumah Tangga di Tengah Pandemi COVID-19. Prakarsa.
Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy: Results of the OECD Infe Pilot Study. In OECD Working Papers (No. 15; Issue 15).
Gathergood, J. (2012). Self-control, financial literacy and consumer over-indebtedness. Journal of Economic Psychology, 33(3), 590–602.
Hadar, L., Sood, S., & Fox, C. R. (2013). Subjective knowledge in consumer financial decisions. Journal of Marketing Research, 50(3), 303–316.
Histori, O. (2022a). Financial Literacy, Social Influence and The Use of Digital Payments: A Literature Riview. The 1st Proceeding of The International Conference on Economics and Business ICEB UKI Toraja, 1(2).
Histori, O. (2022b). Literasi Keuangan dan Penggunaan Layanan Financial technology: Sebuah Kajian Literatur. Prosiding Seminar Nasional FEB Unesa and Call for Papers 7, 7(Senima 7), 850–865.
Houle, J. N., & College, D. (2014). A Generation Indebted: Young Adult Debt Across Three Cohorts. Social Problems, 61(3), 448–465.
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316.
Jayani, D. H. (2021). BI: Rumah Tangga Kelas Bawah Paling Banyak Berutang. Katadata.Com.
Loke, Y. J. (2014). Debt Servicing Burden among Working Adults in Malaysia. The Asian Conference on the Social Sciences 2014, 0252, 1–14.
Lusardi, A., & Mitchell, O. (2011a). Financial Literacy Around The World: An Overview. Nber, 17(4), 1–14.
Lusardi, A., & Mitchell, O. S. (2006). Financial literacy and planning: implications for retirement wellbeing", Pension Research Council Working Paper no. 1. Philadelphia, PA: The Wharton School, University of ….
Lusardi, A., & Mitchell, O. S. (2011b). Financial Literacy and Planning: Implications for Retirement Wellbeing. In NBER WORKING PAPER SERIES (17078).
Lusardi, A., Mitchell, O. S., & Curto, V. (2010). Financial Literacy Among the Young: Evidence and Implications for Consumer Policy. SSRN Electronic Journal, 1–35.
Mainal, S. A., Kassim, N. A. M., Ho, C. S. F., & Yusof, J. M. (2016). Preliminary Investigation on the Determinants of Household Debt Burden. Proceedings of the 1st AAGBS International Conference on Business Management 2014 (AiCoBM 2014), 479–488.
Mimelientesa, I. (2018). Analisis Faktor Faktor yang Mempengaruhi Financial Literacy di Kalangan Mahasiswa Universitas Muhammadiyah Riau Pekanbaru. Costing: Journal of Economic, Business and Accounting, 1(2), 180–197.
OJK. (2019). Literasi Keuangan. Ojk.Go.Id.
Scheresberg, C. de B. (2013). Financial Literacy and Financial Behavior among Young Adults: Evidence and Implications. Numeracy Scholars Commons, 6(2), 1–23.
Abstract viewed = 70 times
pdf downloaded = 69 times