ANALISIS HUBUNGAN ANTARA FINANCIAL LITERACY DAN FINANCIAL DISTRESS PADA GENERASI MILENIAL DI KOTA SEMARANG
Abstract
Tujuan penelitian ini adalah untuk mengetahui hubungan antara financial literacy dan financial distress pada generasi milenial di Kota Semarang. Penelitian ini menggunakan pendekatan metode kuantitatif. Data dikumpulkan melalui penyebaran kuesioner. Sampel penelitian diambil dengan pendekatan purposive sampling sebanyak 400 orang. Alat ukur pada penelitian ini menggunakan skala likert untuk variabel financial literacy dan skala The InCharge Financial Distress/Financial Well-being (IFDFW) untuk variabel financial distress. Teknis analisis menggunakan analisis deskriptif dan analisis korelasi pearson product moment. Berdasarkan hasil yang diperoleh tingkat financial literacy pada generasi milenial di Kota Semarang tinggi dan tingkat financial distress pada generasi milenial di Kota Semarang sedang. Selain itu, penelitian ini menunjukan bahwa terdapat hubungan positif yang rendah antara financial literacy dan financial distress pada generasi milenial di Kota Semarang.
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Bhushan, P., & Medury, Y. 2013. Financial Literacy and its Determinants. International Journal of Engineering, Business and Enterprise Applications (IJEBEA), 4 (2), 155-160.
Chen, H., & Volpe, R. 1998. An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7 (2), 107-128.
CNNIndonesia. 2018. Alasan Generasi Milenial Lebih Konsumtif. CNN Indonesia. https://www.cnnindonesia.com/gaya-hidup/20180418215055-282- 291845/alasan-generasi-milenial-lebih-konsumtif. Diakses 20 September 2020.
Garman, E., Leech, I., & Grable, J. 1996. The Negative Impact Of Employee Poor Personal Financial Behaviors On Employers. Association for Financial Counseling and Planning Education, 7 (1), 157-168.
Huston, S. J. 2010. Measuring Financial Literacy. The Journal of Consumer Affairs, 44(2), 296-316. ISSN 0022-0078.
Idris, F., Krishnan, K., & Azmi, N. 2013. Relationship between financial literacy and financial distress among youths in Malaysia - An empirical study. Malaysian Journal of Society and Space, 9 (4), 106-117.
Indrawati. 2015. Metode Penelitian Manajemen dan Bisnis Konvergensi Teknologi dan Informasi. Bandung: PT. Refika Aditama.
James, B. D., Boyle, P. A., Bennet, J. S., & Bennet, D. A. 2012. The Impact of Health and Financial Literacy on Decision Making in Community-Based Older Adults. Gerontology, 58, 531–539.
Joo, S. H. 1998. Personal financial wellness and job productivity. PhD dissertation. Virginia Polytechnic Institute and State University, Blacksburg.
Kalla, T., & Sahara, N. 2020. Milenial Paling Rentan Alami Masalah Keuangan. Investor Daily Indonesia. https://investor.id/finance/milenial-paling-rentan- alami-masalah-keuangan. Diakses 20 Oktober 2020.
Kim, J., Sorhaindo, B., & Garman, E. 2006. Relationship between Financial Stress and Workplace Absenteeism of Credit Counseling Clients. J Fam Econ Iss, 27, 458- 478.
Kumparan. 2018. Karakter Keuangan Setiap Generasi, Mana yang Paling Bagus? Kumparan. https://kumparan.com/millennial/karakter-keuangan-setiap-generasi- mana-yang-paling-bagus-1541393161982774793. Diakses 19 September 2020.
Lim, W. M. 2014. Understanding Young Consumer Perceptions on Credit Card Usage: Implications for Responsible Consumption. Contemporary Management Research, 10 (4), 287-302.
Lubis, I. S. 2020. Perilaku Finansial Generasi Milenial. detiknews. https://news.detik.com/kolom/d-4915295/perilaku-finansial-generasi-milenial. Diakses 19 September 2020.
Lusardi, A., Mitchell, O., & Curto, V. 2010. Financial Literacy among the Young. The Journal of Consumer Affairs, 44 (2), 358-380.
OECD. 2016. OECD/INFE International Survey of Adult Financial Literacy Competencies. OECD, Paris. www.oecd.org/finance/OECD-INFE- International-Survey-of-Adult-Financial-Literacy-Competencies.pdf. Diakses 11 Oktober 2020
O’Neill, B., Prawitz, A., Sorhaindo, B., Kim, J., & Garman, E. 2006. Changes in Health, Negative Financial Events, and Financial Distress/Financial Well- Being for Debt Management Program Clients. Association for Financial Counseling and Planning Education, 17(2), 46-63.
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Sahara, N. 2019. OJK Paparkan 3 Hal Pengelolaan Keuangan Milenial. Investor Daily Indonesia. https://investor.id/finance/ojk-paparkan-3-hal-pengelolaan-keuangan- milenial. Diakses 19 September 2020.
Setiawan, S. A., & Puspitasari, N. 2018. Preferensi Struktur Organisasi Bagi Generasi Millenial. Jurnal Borneo Administrator , 14 (2), 101-118.
Online University of Wollongong.
Sugiyono. 2016. Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung, Indonesia: CV Alfabeta.
Utomo, W. P. 2019. Indonesia Millennial Report 2019. IDN Times. https://cdn.idntimes.com/content-documents/indonesia-millennial-report-2019- by-idn-times.pdf. Diakses 26 September 2020.
Yu, K. F., & Jupri, N. B. 2015. Factors That Lead To Financial Distress Of Generation Y In Malaysia. International Journal of Accounting & Business Management, 3 (2), 109-120. ISSN: 2289-4519.
Zulkarnaen, W., Fitriani, I., & Yuningsih, N. (2020). Pengembangan Supply Chain Management Dalam Pengelolaan Distribusi Logistik Pemilu Yang Lebih Tepat Jenis, Tepat Jumlah Dan Tepat Waktu Berbasis Human Resources Competency Development Di KPU Jawa Barat. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(2), 222-243. https://doi.org/10.31955/mea.vol4.iss2.pp222-243.
Published
2021-02-10
How to Cite
Isanti, V., & Dewi, A. (2021). ANALISIS HUBUNGAN ANTARA FINANCIAL LITERACY DAN FINANCIAL DISTRESS PADA GENERASI MILENIAL DI KOTA SEMARANG. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 5(1), 686-702. https://doi.org/10.31955/mea.v5i1.810
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