@thesis{thesis,
		author={PURNIAWATI  RENI TRI},
		title ={PENGARUH LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN 
KELUARGA DENGAN ETNIS SEBAGAI VARIABEL MODERASI
(STUDI KOMPARATIF DI WILAYAH KARESIDENAN 
MADIUN DAN KOTA MAKASSAR)},
		year={2017},
		url={http://eprints.perbanas.ac.id/2880/},
		abstract={Individual’s consumptive behavior would give negative effect to a family if the family consist 
of individuals with high consumptive behavior. Financial literacy is one of the factors which 
may  affect
family
financial  management.  Financial  management  of  eac
h  family  surely  have 
difference  because  of  diversity  in  ethnic.  Ethnic  difference  in  family  will  also  give  a 
difference in financial management since it is related to different characters and principles of 
life.  This  study  aimed  to  examine  the  effect  of  fi
nancial  literacy  on  family’s  financial 
ma
nagement with ethnic as moderating
variable. Instrument of this study was questionnaire 
which  were  distributed  to  140  respondents  of  Javanese  at  Madiun  residency  and  96 
respondents   of   Boogies   at   Makassar.   This   resea
rch   used   purposive   sampling   and 
convenience  sampling  as  the  sampling  technique.  The  result  of  this  study  showed  that 
financial  literacy  positively  and  significantly  affect  family’s  financial  management,  while 
ethnic could not 
moderating
and not significant
on the effect of financial literacy on family’s 
financial management.  

Keyword: 
Family’s Financial Management, Financial Literacy, Ethnic.}
		}