Demographic characteristics, personality characteristics, and the level of student’s financial literacy

Ahmad, Gatot Nazir; Dalimunthe, Sholatia; Thahirah, Siti; Aminah, Hania

doi:10.5267/j.ac.2020.6.022

Cited by 4 publications

(2 citation statements)

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“…The level of financial knowledge is affected by a person's education and income (Cholid, 2021). For students, financial literacy is positively influenced by age, pocket money and financial behaviour (Ahmad, Dalimunthe, Thahirah, & Aminah, 2020). This study results are the same as the results of research conducted by Ghani, Shabri, Rasli, Razali, & Shuffri (2020).…”

Section: Figure 2 Financial Literacy By Productsupporting

confidence: 88%

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The Demography Impact On Financial Literacy An Empirical Studies in Indonesia

Johan¹

2022

Economica

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The primary purpose of the research is to explore the determinant of financial literacy from the demography perspective in Indonesia. The research will study the demography variable that determine the usage of financial products. The research will be focused on seven primary financial products. The research will be based on a survey of 320 respondents from all of Indonesia's main islands, such as Jawa, Sumatera, Sulawesi, Kalimantan, and Papua. In this research, we used a binary logit regression technique with SPSS Software to test the research model. The research is qualitative research method. The empirical results show that the primary determinant for a person to have a financial product, such as saving account, credit card, e-money, e-wallet, investment in stock, and insurance is their income level. Saving to income ratio is also a determinant for saving, credit card, e-money, and stock investment. Education level is a determinant for the usage of credit card, e-wallet, stock investment, and social insurance. Ownership of car and house is a determinant for credit card usage, e-money, e-wallet, and stock investment. Domicile is a determinant for the e-wallet and insurance usage.

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Section: Figure 2 Financial Literacy By Productsupporting

confidence: 88%

“…It approved that saving in a bank in line with the income level and expense of the family. The results is supported by the result of Cholid (2021), Ahmad et al (2020) and Ghani et al (2020) The Results of Testing H2 (Banking -Credit Card)…”

Section: Sources: Research Datasupporting

confidence: 58%

The Demography Impact On Financial Literacy An Empirical Studies in Indonesia

Johan¹

2022

Economica

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The role of entrepreneurship education in the entrepreneurial readiness of generation Z students: why do digital business literacy and financial literacy matter?

Hasan,

Tiara Hutamy,

Supatminingsih

et al. 2024

Cogent Education

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Vocational and senior high school differences in financial literacy

Khusaini

Mutiah

Ramdani

2021

IOP Conf. Ser.: Earth Environ. Sci.

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Lack of knowledge and understanding of students in financial has an impact on difficulties in financial management and its decision making, so they tend to behave consumptively. The purpose of this study was to examine differences in financial literacy between senior high school students and those from vocational high schools according to the characteristics of gender, education, and parents’ income in the Tangerang Regency. The design of the research was comparative research. The number of samples was 371 samples chosen by using proportionate random sampling. The research instrument had been verified for its validity and reliability. The authors used crosstab, independent samples t-test, and ANOVA analysis. Results showed that the level of students’ financial literacy was in the category of the medium tier. It was revealed that there was a significant correlation between senior high school and vocational school related to student financial literacy; however, gender, parents’ education, and parents’ income had no significance. Meanwhile, the result of the different tests according to school characteristics showed that there was no significant difference in the level of financial literacy between senior high school students and vocational high schools, as well as gender characteristics, education, and parents’ income. The results of this study contributed to schools to increase understanding of the importance of financial literacy for students.

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Demographic characteristics, personality characteristics, and the level of student’s financial literacy

Cited by 4 publications

References 1 publication

The Demography Impact On Financial Literacy An Empirical Studies in Indonesia

The Demography Impact On Financial Literacy An Empirical Studies in Indonesia

The role of entrepreneurship education in the entrepreneurial readiness of generation Z students: why do digital business literacy and financial literacy matter?

Vocational and senior high school differences in financial literacy

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