ANALISIS PERSONAL FINANCIAL LITERACY DAN FINANCIAL BEHAVIOR MAHASISWA STRATA I FAKULTAS EKONOMI UNIVERSITAS SUMATERA UTARA
Abstract: This study aims to
examined personal financial literacy and financial behavior; financial literacy
based on the personal characteristics of students, and impact of the financial
literacy on financial behavior of undergraduate students of Faculty of Economics,
University of Sumatera Utara class rank 2008 through 2011 who still active by
June 2011.
Financial literacy was measured using 27 multiple-choice questions and a
score calculated based on the percentage of the correct answers. Financial
literacy and then analyzed based on the characteristics of the respondents
consisting of gender, majors, class rank, GPA, and residence (living with
parents or living alone / boarding), the level of parental education, and
parental income. Financial literacy is also grouped into relatively high and
relatively low based on the median to analyze the financial behavior of
respondents in each group. The analitical method used is a descriptive
statistical analysis. The data used are the primary data obtained from a survey
of 97 respondents.
The finding indicates that those who are male students, Economic
Development major, student of 2008 and 2009, GPA ≥ 3.00, and student who live
alone at boarding house, has a higher
financial literacy. Meanwhile, female students, Management majors, lower class
rank, GPA <3.00, and live at home with parents have lower financial
literacy. Overall mean of correct answer of the survey is about 56.61%, so it
can be concluded that the respondents had low levels of financial literacy, in
addition, the tendency of respondents practicing expected financial
behavior did not increase as expected
consistently along with the increase of financial literacy.
Penulis: Darman Nababan,
isfenti sadalia
Kode Jurnal: jpmanajemendd130741
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