PENGARUH LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN
KELUARGA DENGAN ETNIS SEBAGAI VARIABEL MODERASI
(STUDI KOMPARATIF DI WILAYAH KARESIDENAN
MADIUN DAN KOTA MAKASSAR)
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
PURNIAWATI, RENI TRI
Subject
658.15 - FINANCIAL MANAGEMENT
Datestamp
2017-09-04 08:40:52
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.
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.
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