Financial attitude and financial behavior analysis towards student financial literacy in Kupang City
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Apr 29, 2023
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Abstract
A child from an early age should have been taught and accustomed to saving money by his parents at home. This will help his future, especially when he grows up, he becomes good at managing finances for needs, savings and wants. A student's knowledge of finance is very important because it will help him manage the money he has as well as possible for daily needs without any difficulties at certain times. This study will analyze the influence of two independent variables, namely financial attitude and financial behavior, on the level of financial literacy of students in Kupang City. The study involved a sample of 100 students from Kupang City who filled out a Google form, which was then used to collect data. Responses to incoming questionnaires will be processed using a statistical program, namely SPSS.26. Analysis of the study data revealed that, while financial behavior did not significantly affect students' financial literacy, financial attitudes had a considerable impact. The results of the concurrent assessment show a strong correlation between students' attitudes and financial behavior, which ultimately has a significant impact on the overall level of students' financial literacy in Kupang City. This result certainly means that students really need to be equipped with knowledge about financial literacy which is very useful for the future in front of them. Good financial knowledge will determine good financial decisions as well.
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How to Cite
Wutun, M. B. M. G., Niha, S. S., & Manafe, H. A. (2023). Financial attitude and financial behavior analysis towards student financial literacy in Kupang City. Enrichment : Journal of Management, 13(1), 644-653. https://doi.org/10.35335/enrichment.v13i1.1304
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Chege, S. M., & Wang, D. (2020). The impact of entrepreneurs’ environmental analysis strategy on organizational performance. Journal of Rural Studies, 77(April), 113–125. https://doi.org/10.1016/j.jrurstud.2020.04.008
Cowling, M., Brown, R., & Rocha, A. (2020). Did you save some cash for a rainy COVID-19 day? The crisis and SMEs. International Small Business Journal: Researching Entrepreneurship, 38(7), 593–604. https://doi.org/10.1177/0266242620945102
Gamage, S. K. N., Ekanayake, E. M. S., Abeyrathne, G. A. K. N. J., Prasanna, R. P. I. R., Jayasundara, J. M. S. B., & Rajapakshe, P. S. K. (2020). A review of global challenges and survival strategies of small and medium enterprises (SMEs). Economies, 8(4). https://doi.org/10.3390/ECONOMIES8040079
Korber, S., & McNaughton, R. B. (2018). Resilience and entrepreneurship: a systematic literature review. International Journal of Entrepreneurial Behaviour and Research, 24(7), 1129–1154. https://doi.org/10.1108/IJEBR-10-2016-0356
Lu, Y., Wu, J., Peng, J., & Lu, L. (2020). The perceived impact of the Covid-19 epidemic: evidence from a sample of 4807 SMEs in Sichuan Province, China. Environmental Hazards, 19(4), 323–340. https://doi.org/10.1080/17477891.2020.1763902
Mendoza, R. U., Lau, A., & Castillejos, M. T. Y. (2018). Can SMEs survive natural disasters? Eva Marie Arts and Crafts versus Typhoon Yolanda. International Journal of Disaster Risk Reduction, 31(August), 938–952. https://doi.org/10.1016/j.ijdrr.2018.08.004
Mole, K., North, D., & Baldock, R. (2017). Which SMEs seek external support? Business characteristics, management behaviour and external influences in a contingency approach. Environment and Planning C: Government and Policy, 35(3), 476–499. https://doi.org/10.1177/0263774X16665362
Mostafavi, S. A., Molavi, P., & Mohammadi, F. (2020). Logical framework approach a platform for integrating the mental health and nutritional care for controlling the covid-19 pandemic. Iranian Journal of Psychiatry, 15(4), 351–357. https://doi.org/10.18502/ijps.v15i4.4299
Nurunnabi, M., Alhawal, H. M., & Bassam, R. Y. A. Al. (2020). National Responses And Economics Strategies To Address Covid-19 In Saudi Arabia. Journal Of Southwest Jiaotong University, 55(6), 64–86.
Papadopoulos, T., Baltas, K. N., & Balta, M. E. (2020). The use of digital technologies by small and medium enterprises during COVID-19: Implications for theory and practice. International Journal of Information Management, 55(June), 102192. https://doi.org/10.1016/j.ijinfomgt.2020.102192
Prasetyo. (2008). Peran Usaha Mikro Kecil Menengah (UMKM) Dalam Kebijakan Penanggulan Kemiskinan dan Pengangguran. AKMENIKA UPY, Volume 2.
Priyono, A., Moin, A., & Putri, V. N. A. O. (2020). Identifying digital transformation paths in the business model of smes during the covid-19 pandemic. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 1–22. https://doi.org/10.3390/joitmc6040104
Raymond, L., Uwizeyemungu, S., Fabi, B., & St-Pierre, J. (2018). IT capabilities for product innovation in SMEs: a configurational approach. Information Technology and Management, 19(1), 75–87. https://doi.org/10.1007/s10799-017-0276-x
Razumovskaia, E., Yuzvovich, L., Kniazeva, E., Klimenko, M., & Shelyakin, V. (2020). The effectiveness of Russian government policy to support smes in the COVID-19 pandemic. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 1–20. https://doi.org/10.3390/joitmc6040160
Safari, A., & Saleh, A. S. (2020). Key determinants of SMEs’ export performance: a resource-based view and contingency theory approach using potential mediators. Journal of Business and Industrial Marketing, 35(4), 635–654. https://doi.org/10.1108/JBIM-11-2018-0324
Sardi, A., Sorano, E., Ferraris, A., & Garengo, P. (2020). Evolutionary paths of performance measurement and management system: the longitudinal case study of a leading SME. Measuring Business Excellence, 24(4), 495–510. https://doi.org/10.1108/MBE-01-2020-0016
Siregar, H. 2006. Perbaikan Struktur dan Pertumbuhan Ekonomi: Mendorong Investasi dan Menciptakan Lapangan Kerja. Jurnal Ekonomi Politik dan Keuangan. INDEF. Jakarta.
Thakur, V. (2021). Framework for PESTEL dimensions of sustainable healthcare waste management: Learnings from COVID-19 outbreak. Journal of Cleaner Production, 287, 125562. https://doi.org/10.1016/j.jclepro.2020.125562
Walmsley, A. (2019). Policy decisions and tourism: unintended consequences or deliberate neglect–reactions to the ban on term time holidays in the UK’s South West. Journal of Policy Research in Tourism, Leisure and Events, 11(1), 179–192. https://doi.org/10.1080/19407963.2018.1465066
Župerkienė, E., Šimanskienė, L., Labanauskaitė, D., Melnikova, J., & Davidavičienė, V. (2021). The COVID-19 Pandemic and Resilience of SME’s in Lithuania. Entrepreneurship and Sustainability Issues, 8(3), 53–65. https://doi.org/10.9770/jesi.2021.8.3(4)