PENGARUH LITERASI KEUANGAN DAN SIKAP KEUANGAN TERHADAP PERILAKU PENGELOLAAN KEUANGAN KELUARGA DALAM MEMENUHI KEBUTUHAN PENDIDIKAN ANAK  DI KELURAHAN GOGAGOMAN KECAMATAN KOTAMOBAGU BARAT KOTA KOTAMOBAGU

Sophia  Pongoh; Agnes Ramey  Rooroh; Adinda D A  Pontolawokang

doi:10.53682/jpeunima.v3i1.4047

Authors

Sophia Pongoh Universitas Negeri Manado
Agnes Ramey Rooroh Universitas Negeri Manado
Adinda D A Pontolawokang Universitas Negeri Manado

DOI:

https://doi.org/10.53682/jpeunima.v3i1.4047

Keywords:

Financial Literacy, Financial Attitude, Behavior of Family Financial Management

Abstract

ABSTRAK

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan sikap keuangan terhadap perilaku pengelolaan keuangan keluarga dalam memenuhi Pendidikan anak di Kelurahan Gogagoman Kecamatan Kotamobagu Barat Kota Kotamobagu. Metode penelitian ini adalah metode survey dengan sampel 41 orang. Teknik pengumpulan data adalah teknik kuesioner (angket), observasi dan dokumentasi. Hasil penelitian dianalisis dengan metode analisis regresi linier ganda dan analisis korelasi ganda. Adapun hasil dari penelitian ini menunjukan : (1) Literasi keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan keluarga dalam memenuhi Pendidikan anak di Kelurahan Gogagoman Kecamatan Kotamobagu Barat Kota Kotamobagu sebesar 14,51% dengan jumlah > 2,573 > 2,02269 dan jumlah > 6,629 > 4,09 (2) Sikap keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan keluarga dalam memenuhi Pendidikan anak di Keluarahan Gogagoman Kecamatan Kotamobagu Barat Kota Kotamobagu sebesar 21,43% dengan jumlah > 3,261 > 2,02269 dan jumlah > 10,649 > 4,09 (3) Literasi keuangan dan sikap keuangan berpengaruh postif dan signifikan terhadap perilaku keuangan keluaraga dalam memenuhi kebutuhan Pendidikan anak di Kelurahan Gogagoman Kecamatan Kotamobagu Barat Kota Kotamobagu sebesar 77,26% dengan jumlah > 6,329 > 3,24.

Kata kunci : Literasi Keuangan, Sikap Keuangan, Perilaku Pengelolaan Keuangan Keluarga

ABSTRACT

This study aims to determine the effect of financial literacy and financial attitudes on family financial management behavior in fulfilling children’s education in Gogagoman Village, West Kotamobagu District, Kotamobagu City. This research method is a survey method with a sampel 41 people. Techniques in data collection are questionnaire (questionnaire), observation and documentation. The reserch results were analyzed using multiple linear regression analysis methods, and multiple correlation analysis. The results of this study indicate: (1) Financial literacy has a positive and significant effect on family financial management behavior in meeting the educational needs of children in Gogagoman Village, West Kotamobagu District, Kotamobagu City by 14,51% with the number Tcount > Ttable 2,573 > 2,02269 and the number of Fcount > Ftable 6,629 > 4,09 (2) Financial attitude as a positive and significant effect on family financial management behavior in meeting the educational needs of children in Gogagoman Village, West Kotamobagu District, Kotamobagu City by 21,43% with the number Tcount > Ttable 3,261 > 2,02269 and the number of Fcount > Ftable 10,649 > 4,09 (3) Financial literacy and financial attitude have a positive and significant effect on family financial management behavior in meeting the educational needs of children in Gogagoman Village, West Kotamobagu District, Kotamobagu City by 77,26% with a number of Fcount > Ftable 6,329 > 3,24.

Keywords: Financial Literacy, Financial Attitude, Behavior of Family Financial Management

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