Analisis Literasi Keuangan pada Pelaku Usaha Mikro di Kota Pekanbaru
Abstract
This study aims to determine the level of financial literacy forMicro, Small and Medium Enterprises in Pekanbaru. Besides that, this research conducted to analyzewhether the differences in gender, age, education level, and income level has significant effect towards financial literacy level for businesses. The focus of business type in this researchis trade sector that contained the number of 292 businesses as sample. The method used is survey by obtaining data through questionnaires. The results showed that the level of SMEss financial literacyis moderate 57,9 percent. variables that affect the level of financial literacy businesses are differences in education and income. While gender and age differences has no effectto the level of MSMEss financial literacy.
Keywords : Financial Literation, Gender, Age, Education, Income
References
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Andrew C. Worthington (2006). Predicting Financial Literacy in Australia.
Anwar Sanusi, Metodologi Penelitian Bisnis, Jakarta
Beal, D.J. & Delpachtra, S.B. (2003). Financial literacy among Australian university students, Economic Papers, 22, 65-78.
Cahyono, Nur Edi (2012). Pentingnya Melek Finansial Bagi Pelaku Usaha Kecil dan Menengah. Pengajar Jurusan Akuntasi STIE Rajawali Purworejo. Vol 8 No 2. Diunduh pada tanggal 26/03/2016.
Capuano, Angelo dan Ian Ramsay (2011). What Causes Suboptimal Financial Behaviour? An Exploration Of Financial Literacy Social Influences And Behavioural Economics. Diunduh pada tanggal 26/03/2016.
Chen, H. and Volpe, R. (1998). An analysis of personal financial literacy among college students. Financial Review Service.
Gutter, M (2008). Financial Manajemen Practicesof Collage Student from States With Varying Financial Education Mandates.
Hawati Janor, Rubayah Yakob, Noor Azuan Hashim, Zanariah, Che Aniza Che Wel, Financial Literacy and Investment Decisions in Malaysia and United Kingdom : A Comparative Analysis.
Hilgert, M, Jeanne M. dan Sandra, B. (2003). Household Financial Management: The Connection Between Knowledge and Behavior. Federal Reserve Bulletin, Vol. 89, pp. 309-322.
Hogarth, J.M. (2002). Financial literacy and family and consumer sciences. Journal of Family and Consumer Sciences, 94, 15-28.
Huston, Sandra J. (2010). Measuring financial literacy. The Journal of Consumer Affairs, 44(2), 296-316. Diunduh pada tanggal 19/04/2016.
Jhonson,E & Margaret, S.S. (2007). From Financial Literacy to Financial Capability Among The Young. Journal of Sociologi and Social Welfare, (Online), 34:119-146.
Lilia Pasca Riani (2015). Financial Literacy dan Inovasi Pengrajin Logam Di Wilayah Kediri Raya. Diunduh pada tanggal 28/03/2016.
Lusardi. Annamaria dan Olivia S. Mitchell. (2007). Financial literacy and retirement preparedness: evidence and implications for Financial education program, Bussiness economic. Diunduh pada tanggal 26/03/2016.
MasterCard. (03 Juli 2013). Newzealenders Best at Money Management and Continue to Top The Index. http://bit.ly/1cLPC2l.
Monticone, Chiara. (2010). Financial Literacy and Financial Advice Theory and Empirical Evidence. Diunduh pada tanggal 19/04/2016.
Oseifuah, Emmanuel Kojo (2010). Financial Literacy and Youth Entrepreneurship in South Africa. Thohoyandou : Department of Accounting and Auditing University of Venda.
Rahmana, Arief (2009). Peranan Teknologi Informasi Dalam Peningkatan Daya Saing Usaha Kecil dan Menengah. Jurusan Teknik Industri, Fakultas Teknik,Universitas Widyatama. Diunduh pada tanggal 27/10/2016.
Rahmatia (2004). Kajian Teoritis dan Empiris Terhadap Pola dan Efisiensi. Konsumsi. Makassar: Fakultas Ekonomi UNHAS.
Riski Amaliyah, Rini Ssetyo Wati (2015). Analisis Faktor Yang Mempengaruhi Tingkat Literasi Keuangan Dikalangan UMKM Kota Tegal. Diunduh pada tanggal 19/12/2016.
Robb, C. A. dan James, R. N. (2009). Associations between individual characteristics and financial knowledge among college students. Journal of Personal Finance, 8, 170-184. Diunduh pada tanggal 27/04/2016.
Tasya Desiyana, (2015). Analisis Tingkat Literasi Keuangan Pada Pelaku Usaha Mikro Kecil dan Menengah Di Daerah Istimewa Yogyakarta. Diunduh pada tanggal 28/03/2016.
Volpe, R., Chen, H., dan Pavlicko, J., (1996). Personal Investment Literacy Among College Students, Financial Practice and Education, pp. 86-94.
Vincentius Andrew dan Nanik Linawati (2014). Hubungan Faktor Demografi dan Pengetahuan Keuangan Dengan Perilaku Keuangan Karyawan Swasta Di Surabaya. Diunduh pada tanggal 28/03/2015.
Published
2017-12-13
Section
Articles
