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Document 1881023
ABSTAK
Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh variabel
karakteristik demografi dan personalitas terhadap tingkat literasi keuangan. Variabel
karakterstik demografi terdiri dari usia, jenis kelamin, dan pendapatan. Variabel
karakteristik personalitas terdiri dari perilaku keuangan dan sikap keuangan. Dalam
penelitian ini, populasi berasal dari mahasiswa program studi manajemen Universitas
Kristen Maranatha. Target populasi yang relevan adalah mahasiswa angkatan 2012
hingga 2014. Karena target populasi berasal dari tahun-tahun yang berbeda, maka
peneliti menganggapnya sebagai strata. Oleh saba itu, peneliti menggunakan
sampling bebas berstrata sebagai teknik pengambilan sampel yang mewakili
populasinya. Metode analisis data yang digunakan adalah Model Pengujian
Struktural. Hasil penelitian menyimpulkan bahwa seluruh variabel karaktersitik
demografi berpengaruh terhadap tingkat literasi keuangan. Untuk variabel
karakteristik personalitas, sikap keuangan berpengaruh terhadap tingkat literasi
keuangan dan perilaku keuangan tidak berpengaruh terhadap tingkat literasi
keuangan.
Kata kunci : Tingkat Literasi keuangan, karakteristik demografi dan personalitas,
Model Pengujian Struktural
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Universitas Kristen Maranatha
ABSTRACT
This researh aims to examine the impact of demographic and personality
characteristics on finacial literacy. The demographic characteristic variables used
consist of age, gender, and income. The personality characteristic variables used are
financial behavior and financial attitude. In this reseach, the population used come
from Maranatha Christian University students in Management Study Program. The
relevant population target is active students starting their study in 2012 to 2014.
Because the relevant population target comes from various years of entrance, the
reearcher treats the years as strata. Based on this condition, the researcher takes the
samples representing its population based on stratified random sampling method.
Method of data analysis conducted is Structural Equation Modeling (SEM). The
research concludes that all the demographic characteristic variables have impact on
financial literacy rate. For personality characteristic variables, the financial attitude
has impact on financial literacy rate whereas financial behavior has no impact on
financial literacy rate.
Keywords: Financial Literacy Rate, Demographic and Personality Characteristics,
Structural Equation Modeling
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Universitas Kristen Maranatha
DAFTAR ISI
Halaman
HALAMAN JUDUL BAHASA INDONESIA ......................................................... i
HALAMAN JUDUL BAHASA INGGRIS ............................................................... ii
HALAMAN PENGESAHAN ................................................................................... iii
SURAT PERNYATAAN KEASLIAN SKRIPSI ..................................................... iv
KATA PENGANTAR ............................................................................................... v
ABSTRAK ................................................................................................................. vii
ABSTRACT ................................................................................................................. viii
DAFTAR ISI .............................................................................................................. ix
DAFTAR GAMBAR ................................................................................................. xi
DAFTAR TABEL ...................................................................................................... xii
DAFTAR LAMPIRAN .............................................................................................. xiv
BAB I PENDAHULUAN ..........................................................................................
1.1. Latar Belakang Penelitian .......................................................................
1.2. Rumusan Masalah ...................................................................................
1.3. Tujuan Penelitian ....................................................................................
1.4. Manfaat Penelitian ..................................................................................
1
1
5
6
6
BAB II LANDASAN TEORI ................................................................................... 7
2.1. Kajian Pustaka ......................................................................................... 7
2.1.1. Literasi Keuangan .................................................................... 7
2.1.2. Karakteristik Demografi ........................................................... 13
2.1.2.1. Usia ............................................................................. 14
2.1.2.2. Jenis Kelamin.............................................................. 14
2.1.2.3. Pendapatan .................................................................. 14
2.1.3. Karakteristik Personel ............................................................... 15
2.1.3.1. Perilaku keuangan ....................................................... 15
2.1.3.2. Sikap keuangan ........................................................... 16
2.1.4. Penelitian Terdahulu ................................................................. 18
2.2 Rerangka Pemikiran ................................................................................ 23
2.3 Pengembangan Hipotesis ........................................................................ 24
2.3.1. Pengaruh usia terhadap tingkat literasi keuangan ..................... 24
2.3.2. Pengaruh jenis kelamin terhadap tingkat literasi keuangan ...... 24
2.3.3. Pengaruh pendapatan terhadap tingkat literasi keuangan ......... 25
2.3.4. Pengaruh financial behavior terhadap ..................................... 25
tingkat literasi keuangan
2.3.5. Pengaruh financial behavior terhadap ..................................... 26
tingkat literasi keuangan
BAB III METODOLOGI PENELITIAN………………………………….. ............ 28
3.1. Jenis Penelitian………………………………………………………… 28
3.2. Populasi dan Sampel Penelitian .............................................................. 28
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Universitas Kristen Maranatha
3.3. Definisi Operasional Variabel ................................................................. 30
3.4. Teknik Pengumpulan Data ...................................................................... 34
3.5. Teknik Analisis Data .............................................................................. 35
3.5.1. Uji Instrumen ............................................................................ 35
3.5.2. Uji Normalitas ........................................................................... 36
3.5.3. Menilai Overall Fit Model ........................................................ 37
3.5.4. Uji Hipotesis ............................................................................. 40
BAB IV HASIL PENELITIAN DAN PEMBAHASAN ........................................... 43
4.1. Karakteristik Responden ................................ …………………………. 43
4.1.1. Karakteristik Responden Berdasarkan Usia .............................. 43
4.1.2. Karakteristik Responden Berdasarkan Jenis Kelamin .............. 44
4.1.3. Karakteristik Responden Berdasarkan Pendapatan ................. 44
4.1.4. Karakteristik Responden Berdasarkan Item Pertanyaan .......... 45
4.2. Pengujian Instrumen................................................................................ 59
4.3. Pengujian Normalitas ............................................................................. 62
4.4. Hasil Uji Overall Fit Model .................................................................... 63
4.5. Hasil Uji Hipotesis .................................................................................. 64
BAB V PENUTUP ................................................................................................... 67
5.1. Simpulan ................................................................................................. 67
5.2. Saran ..................................................................................................... 67
DAFTAR PUSTAKA .................................................................................................. 69
LAMPIRAN
DAFTAR RIWAYAT HIDUP PENULIS (CURRICULUM VITAE)
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Universitas Kristen Maranatha
DAFTAR GAMBAR
Gambar 2.1
Gambar 4.1
Halaman
Model Penelitian................................................................................. 27
Tabulasi Jawaban Responden untuk Financial Knowledge ............... 57
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Universitas Kristen Maranatha
DAFTAR TABEL
Tabel 1.1
Tabel 1.2
Tabel 3.1
Tabel 3.2
Tabel 3.3
Tabel 4.1
Tabel 4.2
Tabel 4.3
Tabel 4.4
Tabel 4.5
Tabel 4.6
Tabel 4.7
Tabel 4.8
Tabel 4.9
Tabel 4.10
Tabel 4.11
Tabel 4.12
Tabel 4.13
Tabel 4.14
Tabel 4.15
Tabel 4.16
Tabel 4.17
Tabel 4.18
Tabel 4.19
Halaman
Inkonsistensi Hasil Riset Terdahulu Pengaruh .................................. 5
Karakteristik Demografi terhadap Literasi Keuangan
Inkonsistensi Hasil Riset Terdahulu Pengaruh .................................. 5
Karakteristik Personel terhadap Literasi Keuangan
Pengambilan Jumlah Sampel dari Populasi........................................ 30
Definisi Operasionalisasi Variabel ..................................................... 31
Skala Likert......................................................................................... 34
Karakteristik Responden Berdasarkan Usia ....................................... 43
Karakteristik Responden Berdasarkan Jenis Kelamin........................ 44
Karakteristik Responden Berdasarkan Pendapatan ........................... 44
Karakteristik Jawaban Responden Atas Pernyataan .......................... 45
Indikator Financial Behavior - 1
Karakteristik Jawaban Responden Atas Pernyataan .......................... 45
Indikator Financial Behavior – 2
Karakteristik Jawaban Responden Atas Pernyataan .......................... 46
Indikator Financial Behavior - 3
Karakteristik Jawaban Responden Atas Pernyataan .......................... 46
Indikator Financial Behavior - 4
Karakteristik Jawaban Responden Atas Pernyataan .......................... 47
Indikator Financial Behavior - 5
Karakteristik Jawaban Responden Atas Pernyataan .......................... 47
Indikator Financial Behavior - 6
Karakteristik Jawaban Responden Atas Pernyataan .......................... 48
Indikator Financial Behavior - 7
Karakteristik Jawaban Responden Atas Pernyataan .......................... 49
Indikator Financial Behavior - 8
Karakteristik Jawaban Responden Atas Pernyataan .......................... 49
Indikator Financial Behavior - 9
Karakteristik Jawaban Responden Atas Pernyataan .......................... 50
Indikator Financial Behavior – 10
Karakteristik Jawaban Responden Atas Pernyataan .......................... 50
Indikator Financial Attitude - 1
Karakteristik Jawaban Responden Atas Pernyataan .......................... 51
Indikator Financial Attitude - 2
Karakteristik Jawaban Responden Atas Pernyataan .......................... 51
Indikator Financial Attitude - 3
Karakteristik Jawaban Responden Atas Pernyataan .......................... 52
Indikator Financial Attitude - 4
Karakteristik Jawaban Responden Atas Pernyataan .......................... 52
Indikator Financial Attitude - 5
Karakteristik Jawaban Responden Atas Pernyataan .......................... 53
Indikator Financial Attitude - 6
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Universitas Kristen Maranatha
Tabel 4.20
Tabel 4.21
Tabel 4.22
Tabel 4.23
Tabel 4.24
Tabel 4.25
Tabel 4.26
Tabel 4.27
Tabel 4.28
Tabel 4.29
Tabel 4.30
Tabel 4.31
Tabel 4.32
Tabel 4.33
Karakteristik Jawaban Responden Atas Pernyataan .......................... 54
Indikator Financial Attitude - 7
Karakteristik Jawaban Responden Atas Pernyataan .......................... 54
Indikator Financial Attitude - 8
Karakteristik Jawaban Responden Atas Pernyataan .......................... 55
Indikator Financial Attitude - 9
Karakteristik Jawaban Responden Atas Pernyataan .......................... 55
Indikator Financial Attitude - 10
Karakteristik Jawaban Responden Atas Pernyataan .......................... 56
Indikator Financial Attitude - 11
Nilai Financial Knowledge ............................................................... 58
Hasil Uji Tingkat Literasi Keuangan .................................................. 59
Nilai Factor Loading untuk konstruk Financial Behavior ................ 60
Nilai Factor Loading untuk konstruk Financial Attitude .................. 60
Nilai Cronbach’s Alpha untuk konstruk Financial Behavior ............ 62
Nilai Cronbach’s Alpha untuk konstruk Financial Attitude .............. 62
Nilai kritis atas masing-masing indikator dan variabel ..................... 63
yang digunakan dan error secara multivariate
Nilai Overall Model Fit ..................................................................... 63
Hasil Estimasi Model Penelitian ........................................................ 64
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Universitas Kristen Maranatha
DAFTAR LAMPIRAN
Lampiran A
Lampiran B
Lampiran C
Lampiran D
Lampiran E
Lampiran F
Halaman
Tabel Penentuan Jumlah Sampel dari Populasi ................................. 75
Kuesioner Penelitian........................................................................... 76
Model Pengujian Structural Equation Modeling (SEM) .................... 79
Pengujian Instrumen ........................................................................... 80
Pengujian Overall Fit Model.............................................................. 84
Pengujian Hipotesis ............................................................................ 85
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Universitas Kristen Maranatha
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