Faktor–Faktor yang Memengaruhi Tingkat Literasi Keuangan Syariah pada Mahasiswa Muslim di Bogor
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Published:
Jun 17, 2021
Keywords:
Gender, Islamic financial literacy, Muslim students, Structural Equation Modeling, university
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Abstract
The Indonesian Financial Services Authority (OJK) has targeted college students as one of the priority targets of their financial education programs in Indonesia. This research aimed to analyze the level of Islamic financial literacy of college students in Bogor; and analyze the factors that influence their level of Islamic financial literacy. The independent variable used in this study is the score of Islamic financial literacy. While gender, university, Grade Point Average (GPA), sources of information and religiosity are used as the dependent variables. The data analysis is conducted using the descriptive analysis and Structural Equation Modeling Partial Least Square (SEM-PLS). The estimation results showed that the level of Islamic financial literacy towards Muslim students in Bogor is 50.2% and is classified as sufficient literate. The study found that gender and university have positively and significantly influenced the level of Islamic financial literacy of Muslim students in Bogor.
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Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276-295.
Riduwan, M. B. A. (2010). Skala Pengukuran Variabel-Variabel Penelitian. Bandung (ID), Alfabeta.
Smith, D. & Langfield-Smith, K. (2004). Structural equation modeling in management accounting research: Critical analysis and opportunities. Journal of accounting Literature, 23, 49-86.
Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of adolescence, 35(4), 969-980.
Sugiyono. (2013). Metode Penelitian Bisnis. Bandung (ID), Alfabeta.
Yamin, S. & Kurniawan, H. (2011). Generasi Baru Mengolah Data dengan Partial Least Square Path Modeling. Jakarta (ID), Salemba Infotek.
Adams, G. A. & Rau, B. L. (2011). Putting off tomorrow to do what you want today: Planning for retirement. American Psychologist, 66(3), 180–192.
Akmal, H. & Saputra, Y. E. (2016). Analisis tingkat literasi keuangan. JEBI (Jurnal Ekonomi dan Bisnis Islam), 1(2), 235-244.
Ameliawati, M. & Setiyani, R. (2018). The influence of financial attitude, financial socialization, and financial experience to financial management behavior with financial literacy as the mediation variable. International Conference on Economics, Business and Economic Education 2018, KnE Social Sciences, 811–832.
[APJII] Asosiasi Penyelenggara Jasa Internet Indonesia. (2018). Penetrasi Pengguna Internet 2018 Berdasarkan Umur [Internet]. [diunduh 2020 Apr 8]. Tersedia pada: https://apjii.or.id.
Bentler, P. M. & Chou, C. P. (1987). Practical issues in structural modeling. Sociological Methods and Research, 16(1), 78-117.
Boon, T. H., Yee, H. S. & Ting, H. W. (2011). Financial literacy and personal financial planning in Klang Valley, Malaysia. International Journal of Economics and Management, 5(1), 149-168.
[BPS] Badan Pusat Statistik. Proyeksi Penduduk Menurut Provinsi 2020 [Internet]. [diunduh 2020 Jul 8]. Tersedia pada: http://www.bps.go.id.
Brigham, E. F. & Houston, J. F. (2006). Dasar-dasar Manajemen Keuangan Buku 1 Ed ke-11. Jakarta (ID), Salemba Empat.
Carpena, F., Cole, S. A., Shapiro, J., & Zia, B. (2011). Unpacking the causal chain of financial literacy. The World Bank (Policy Research Working Paper Series).
Chen, H. & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2),107-128.
Clark, R. L., d’Ambrosio, M. B., McDermed, A. A., & Sawant, K. (2006). Retirement plans and saving decisions: The role of information and education. Journal of Pension Economics and Finance, 5(1), 45-67.
Dewantara, M. M. (2014). Pengetahuan, Nilai Religiusitas, Sikap dan Perilaku Membaca Label Halal pada Mahasiswa. (Skripsi, Institut Pertanian Bogor, Bogor, Indonesia).
Fadhly, F. A. (2019). Literasi Keuangan dan Faktor-Faktor yang Memengaruhi Literasi Keuangan Mahasiswa S1 Institut Pertanian Bogor. (Skripsi, Institut Pertanian Bogor, Bogor, Indonesia).
Ghozali, I. (2011). Aplikasi Analisis Multivariate Dengan Program SPSS. Semarang (ID), Badan Penerbit Universitas Diponegoro.
Ghozali, I. (2013). Aplikasi Analisis Multivariate dengan Program IBM SPSS 21 Update PLS Regresi. Semarang (ID), Badan Penerbit Universitas Diponegoro.
Ghozali I & Latan, H. (2015). Partial Least Squares: Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0. Yogyakarta (ID), Badan Penerbit Undip.
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296-316.
Kasmir, S. E. (2010). Pengantar Manajemen Keuangan. Jakarta (ID), Kencana.
Keown, A. J., Martin, J. D., Petty, J. W., & Scott, D. F. (2017). Manajemen Keuangan: Prinsip dan Penerapan. Jakarta (ID), PT Indeks.
Krishna, A., Rofaida, R. & Sari, M. (2010). Analisis tingkat literasi keuangan di kalangan mahasiswa dan faktor-faktor yang mempengaruhinya (survey pada mahasiswa Universitas Pendidikan Indonesia). In Proceedings of the 4th International Conference on Teacher Education, 4(1), 552-560.
Lusardi, A, & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of economic literature, 52(1), 5-44.
Margaretha, F. & Pambudhi, R. A. (2015). Tingkat literasi keuangan pada mahasiswa S-1 fakultas ekonomi. Jurnal Manajemen dan Kewirausahaan, 17(1), 76-85.
Martono. (2004). Bank dan Lembaga Keuangan Lain. Yogyakarta (ID), Ekonisia.
Moeljadi. (2006). Manajemen Keuangan Pendekatan Kuantitatif dan Kualitatif. Malang (ID), Bayumedia.
[OECD] Organization of Economic Co-Operation and Development. (2006). The Importance of Financial Education [Internet]. [diunduh 2019 Jan 19]. Tersedia pada: http://www.oecd.org.
[OECD] Organization of Economic Co-Operation and Development. (2017). G20/OECD INFE Report on Adult Financial Literacy in G20 countries [Internet]. [diunduh 2019 Des 19]. Tersedia pada: http://www.oecd.org/.
[OECD/INFE] Organization of Economic Co-Operation and Development/International Network on Financial Education. (2018). Measuring Financial Literacy: Core Questionnaire in Measuring Financial Literacy:
Questionnaire and Guidance Notes for conducting an Internationally Comparable Survey of Financial Literacy. Paris: OECD.
[OJK] Otoritas Jasa Keuangan. (2016). Tingkat Literasi Keuangan Penduduk Indonesia [Internet]. [diunduh 2020 Jan 17]. Tersedia pada: http://www.ojk.go.id.
[OJK] Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017) [Internet]. [diunduh 2019 Des 5]. Tersedia pada: http://www.ojk.go.id.
[POSMI] Portal Resmi Kabupaten Bogor. (2020). Tingkatkan Gerakan Membaca di Kabupaten Bogor, 40 Bunda Literasi Kecamatan Dikukuhkan. [Internet]. [diakses 2020 Januari 17]. Tersedia pada: https://bogorkab.go.id/post/detail/tingkatkan-gerakan-membaca-di-kabupaten-bogor-40-bunda-literasi-kecamatan-dikukuhkan.
Rahim, S. H. A., Rashid, R. A. & Hamed, A. B. (2016). Islamic financial literacy and its determinants among university students: An exploratory factor analysis. International Journal of Economics and Financial Issues, 6(7S), 32-35.
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276-295.
Riduwan, M. B. A. (2010). Skala Pengukuran Variabel-Variabel Penelitian. Bandung (ID), Alfabeta.
Smith, D. & Langfield-Smith, K. (2004). Structural equation modeling in management accounting research: Critical analysis and opportunities. Journal of accounting Literature, 23, 49-86.
Sohn, S. H., Joo, S. H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ financial literacy: The role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth. Journal of adolescence, 35(4), 969-980.
Sugiyono. (2013). Metode Penelitian Bisnis. Bandung (ID), Alfabeta.
Yamin, S. & Kurniawan, H. (2011). Generasi Baru Mengolah Data dengan Partial Least Square Path Modeling. Jakarta (ID), Salemba Infotek.