Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Pada Ibu Rumah Tangga

Abstract

keuangannya. dialami bisa terkontrol belum bisa manajemen dengan baik. Jumlah populasi yang diteliti adalah responden, namun ada beberapa permasalahan yang sering terjadi pada ibu-ibu rumah tangga yaitu kurangnya perencanaan terkait anggaran, tidak adanya laporan keuangan yang benar, dan yang terjadi yaitu menggabungkan keuangan pribadi dan sehingga pengelolaan arus kas tidak jelas. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan ibu rumah tangga terhadap perilaku pengelolaan keuangan keluarga. Metode yang digunakan dalam penelitian ini yaitu kuantitatif deskriptif. Penelitian ini menggunakan 45 responden dengan teknik pengambilan data yaitu Purposive Sampling . Variabel independen dalam penelitian ini yaitu Basic Financial Literacy dan Financial Behavior , sedangkan variable dependen yaitu pengelolaan keuangan. Abstract One of the problems that often occur in households is regarding financial management. The number of expenses experienced by households that cannot be controlled because they cannot be managed properly. The number of population studied was 168 respondents, but there are several problems that often occur among arisan mothers, namely the lack of planning related to the budget, the absence of correct financial reports, and what is common is combining personal and business finances so that cash flow management is not clear. The purpose of this study is to determine how much influence financial literacy has on the financial management of housewives. The method used in this research is descriptive quantitative. This study used 45 respondents with a data collection technique, namely Purposive Sampling. The independent variables in this study are Basic Financial Literacy and Financial Behavior, while the dependent variable is financial management. The data collection technique used a questionnaire (Likert scale). The data analysis technique used is multiple linear regression analysis. To strengthen the questionnaire data, validity and reliability tests were carried out. Normality test, linearity test, multicollinearity test, heteroscedasticity test, and auto correlation test were used to ensure that the data held were unbiased. Hypothesis testing in this study used t-test (partial), F-test (simultaneous), and the coefficient of determination (R). The results of this study indicate that basic financial literacy and financial behavior have a positive and significant effect on the financial management of housewives.