ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI TINGKAT LITERASI KEUANGAN MAHASISWA PRODI MANAJEMEN FAKULTAS EKONOMI UNISRI SURAKARTA

Abstract

In order to avoid financial problems, the basic need that must be met is to understand financial literacy. It is important for students to understand financial literacy in order to be able to process their finances brilliantly and to increase knowledge and insight in financial products and services. The aim of the researcher was to analyze the significance of the influence of financial attitudes, financial behavior, and financial education in the family on students' financial literacy. Researchers used primary data sources, namely the questionnaire method. The population in this study were all students of the management study program with a total of 1253 students. The sampling method used proportionate stratified random sampling as many as 93 respondents. Classical assumption tests are multicollinearity, autocorrelation, heteroscedasticity, and normality tests. The data analysis technique used multiple linear regression, t test, F test, and R². The results of the study of financial attitudes, financial behavior, and financial education in the family have a significant effect on students' financial literacy. The results of the F test indicate that the model is appropriate in predicting the effect of financial attitudes, financial behavior, and financial education in the family on financial literacy. The result of R² is 0.353.