ANALISIS PENGARUH FAKTOR DEMOGRAFI, SOSIAL DAN PSIKOLOGI TERHADAP TINGKAT LITERASI KEUANGAN DALAM PERENCANAAN KEUANGAN MASYARAKAT (Studi Kasus Masyarakat Kota Pangkalpinang, Bangka Belitung)

Indonesia

Abstract

This study aims to analyze  whether there is a direct and indirect influence of the variables of Demographic Factors, Social Factors, Psychological Factors and Financial Literacy Levels on Financial Planning.This study uses a descriptive quantitative approach. The technique used in sampling is non-probability sampling and purposive sampling by distributing questionnaires to 100 people with an age range of 20-40 years in the Pangkalpinang City. The analysis method used is Path Analysis.The results found in this study are 1) Demographic factors do not directly affect financial literacy. This means that a person's ability to manage his finances does not depend on demographic factors such as gender, age, income and others. However, demographic factors have an indirect influence mediated by the variable level of financial literacy which has a significant influence on financial planning. 2) Social factors do not have a direct and significant effect on financial literacy where the results of this study indicate that a person's intelligence in managing his finances does not depend on social factors such as the social environment including family, friends and place of residence. This study also cannot prove that there is a significant indirect effect of social factor variables mediated by financial literacy level variables on financial planning. 3) Psychological factors have a direct and significant effect on financial literacy. This shows that a person's intelligence to be able to manage his finances is based on the person's inner self in the form of awareness, experience and motivation within himself. This study can also prove that there is an indirect and significant influence on psychological factors that have an indirect effect mediated by the variable level of financial literacy on financial planning. 4) Financial Literacy has a direct and significant effect on financial planning. This shows that the higher the level of a person's financial literacy, the higher the level of financial planning.