Literasi Keuangan Pelaku UMKM Kota Semarang

Mustika Widowati, Winarto Winarto

Abstract


This research is aim to identify the small medium enterprise behavior pattern in the financial decision specially on investment, saving and consumption; to measure financial literacy and to measure the contribution of authority institution in customer financial education. This research is the descriptive analysis and used survey technique. The results showed that consumption behavior pattern is less than 60% from their income is used to consume; all respondents agree that they are take their saving with special appropriation from their income; 97,66% respondens choose that saving account as the first priority to invest their fund and 97% respondent choose to invest land/houses/property if they have more money. Financial literacy level are not literate 36%, less literate 28%, sufficient literate 27% dan well literate 9%. The last research finding is that the contribution of the authority institution is low, the society less literate about the financial institution and their products.


Keywords


financial education, financial literacy, small medium enterprice, financial institution.

Full Text:

PDF

References


Amaliyah, R. dan Rini S. W. (2015). Analisis faktor yang mempengaruhi tingkat literasi keuangan di kalangan UMKM kota Tegal. Management Analysis Journal. 4 (3). p. 252 – 257.

Arvidsson, S. 2011. Disclosure of non financial information in the annual report. Journal of Intellectual Capital. Vol. 12. No. 2. p. 277-300.

Clereq, B. De. & JMP. Venter. 2009. Factors influencing a prospective chartered accountant’s level of financial literacy: an exploratory study. Meditari Accountancy Research. Vol. 17 no. 2 . p. 47-60.

Ghozali, I. 2008. Model persamaan structural: konsep dan aplikasi dengan program Amos 16.0. Badan Penerbit Universitas Diponegoro. Semarang.

Halabi, A. K., R. Barret., & R. Dyt. 2010. Understanding financial information used to assess small firm performance. Quantitative Research in Accounting & Management. Vol. 7. No. 2. p. 163 – 179.

Indrawati, Y. 2015. Determinan dan strategi peningkatan literasi keuangan masyarakat perkotaan di Kabupaten Jember. Lembaga Penelitian Universitas Jember.

Lo, A. W. 2009. Regulatory reform in the wake of financial crisis of 2007 – 2008. Journal of Financial Economic Policy. Vol 1. No. 1. p. 4- 43.

Lusardi, A. Pierre-Carl Michaud &Olivia S. Mitchell. 2015. Using a life cycle model to evaluate financial literacy program effectiveness. Pension Research Council. The Wharton School. University of Pennsylvania. Philadelphia.

Otoritas Jasa Keuangan. 2015. Buku saku otoritas jasa keuangan. Edisi 2. Otoritas Jasa Keuangan. Otoritas Jasa Keuangan. Literasi Keuangan. Ojk.go.id

Rowbottom, N. & A. Lymer. 2010. Exploring the use and users of narrative reporting in the online annual report. Journal of Applied Accounting Research. Vol. 11. No. 2. P. 90 – 108.

Simsar, J. 2013. Money loundering: emerging treads and trends. Journal of Money Loundering Control. Vol. 16. no.1. p. 41-54.

Xu, L. & B. Zia. 2012. Overview of the evidence with practical suggestions for the way forward. Policy Research Working Paper. The World Bank Development Research Group Finance and Private Sector Development Team.


Refbacks

  • There are currently no refbacks.


Alamat Penyunting dan Tata Usaha:
Jurusan Akuntansi Politeknik Negeri Ujung Pandang
Jalan perintis Kemerdekaan KM. 10 Makassar, 90245,
Telpon (0411) 585367-585368 psw. 142,Fax (0411) 586043
HP/WA : 085341576457 / 0852315100477
Email : jurnalinfak@gmail.com

 

Jurnal Informasi Akuntansi dan Keuangan Indexed by:

 

Creative Commons License
INFAK is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

 

View My Stats