Analisis Tingkat Literasi Keuangan Syariah Pada Penyandang Disabilitas di Daerah Istimewa Yogyakarta
DOI:
https://doi.org/10.22236/alurban_vol3/is2pp1-11Keywords:
Financial Literacy, Education Level, Age, Gender, speanding, DisabilityAbstract
This research purposes to know level of Islamic financial literacy on dibaility at Yogyakarta Region. The data is found by questionnaires method that is given to scavenger. Based on the data is found 100 respondents. The method that is used in this research is descriptive statistic analysis technique and Chi-Square analysis. There are 4 independent variable are gender, age, education, and Speanding. While, dependent variable is financial literacy in the knowledge and capability category. Based on the result test showed that scavenger in the integrated disability in Yogyakarta Region have level knowledge and capability financial literacy is in low category .Gender showed there is no difference while, age, education level, and speanding there are difference scavenger financial literacy in the disability, Yogyakarta Region.
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References
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Abdullah, R & Razak, A. (2015). Exploratory Research Into Islamic Financial Literacy in Brunei Darussalam. Universitas Islam Sultan Sharif Ali : Brunei Darussalam
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Boedijoewono Noegroho. 2007. Pengantar Statistika Ekonomi dan Bisnis. Yogyakarta : UPP STIM YKPN
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Capuano, A., & Ramsay, I. (2011). What causes suboptimal financial behaviour? An exploration of financial literacy, social influences and behavioural economics.
Clark, R. L., M. S. Morrill, & S. G. Allen (2009). The role of financial literacy and knowledge in determining retirement plans. Working paper, College of Management, North Carolina State University.
Devi, Ni Made. (2013). Pasar Umum Gubug di Kabupaten Grobogan dengan Pengolahan Tata Ruang Luar dan Tata Ruang Dalam melalui Pendekatan Ideologi Fungsionalisme Utilitarian. Universitas Atma Jaya Yogyakarta
Fornero, E., & Monticone, C. (2011). Financial literacy and pension plan participation in Italy. Journal of Pension Economics & Finance, 10(4), 547-564.
Gallery, G., & Gallery, N. (2010). Rethinking financial literacy in the aftermath of the global financial crisis. Griffith Law Review, 19(1), 30-50.
Gerardi, K., L. Goette, & S. Meier (2010). Financial literacy and subprime mortgage delinquency: Evidence from a survey matched to administrative data. Working Paper No. 2010-10, Federal Reserve Bank of Atlanta.
Guiso, L. & T. Jappelli (2008). Financial literacy and portfolio diversification. EUI Working Paper ECO 2008/31. Huston, S.J. 2010. Measuring Financial Literacy. Journal of Consumer Affairs. Volume 44 Issue 2
Hair, Babin, et al., (2003), Essensial of business research methods. United States of American : John Wiley & Sons, p172
Hastings, J. S., Madrian, B. C., & Skimmyhorn, W. L. (2013). Financial literacy, financial education, and economic outcomes.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
Huston, S.J., (2010). Measuring Financial Literacy.The Journal of Consumer Affairs. Vol 4., Nomor 2, 2010., ISSN :0022-0078
INFE, O. (2012). Supplementary questions: Optional survey questions for the OECD INFE financial literacy core questionnaire. Retrieved March, 10, 2015.
Kasmir. (2013). Bank dan Lembaga Keuangan Lainnya. Jakarta : Rajawali Pers Khuluqo, El. (2016). Manajemen Literasi Keuangan Berbasis Gender. UHAMKA
Kuncoro, M. (2003). Metode Riset untuk Bisnis dan Ekonomi. Jakarta : Erlangga
Kempson, E., & Finney, A. (2009). Saving in lower-income households. A Review.
Keuangan, O. J. (2013). Strategi nasional literasi keuangan Indonesia. Direktorat Literasi dan Edukasi Otoritas Jasa Keuangan, 19.
Lusardi, A & Olivia, S.M. (2007). Financial literacy and retirement preparedness: evidence and implications for Financial education program. Bussiness economic
Lusardi, A. & P. Tufano (2008). Debt literacy, financial experience and overindebtedness. NBER Working Paper No. W14808, National Bureau of Economic Research. Mahdzan N S & Tabiani S. 2013. The Impact of Financial Literacy on Individual Saving : an Exploratory Study in the Malaysian Context. Journal Transformasi in Business & Economics. Vol 12 No 1 (28), pp 41-55
Mendari, A. S & Kewal, S. (2013), "Tingkat Literasi Keuangan di Kalangan Mahasiswa STIE Musi”, Jurnal Economica, Vol 9 nomor 2, Oktober, hal 2.
Monticone, C. (2011). Financial Literacy and Financial Advice : Theory and Empirical Evidence. Netspar Thesis
Morissan. (2015). Metode Penelitian Survei. Jakarta : Prenadamedia Group
Mufidah, A., et al. (2014) . Analisis Implikasi Pembiayaan Syariah pada Pedagang Kecil di Pasar Tanjung Jember. E-Jurnal Ekonomi Bisnis dan Akuntansi. Volume 1(1) : (8-15)
Muller, S. & M. Weber (2010). Financial literacy and mutual fund investments: Who buys actively managed funds? Schmalenbach Business Review (forthcoming).
Murwanti S & Sholahuddin M. 2013. Peran Keuangan Lembaga Mikro Syariah untuk Usaha Mikro di Wonogiri. Proceeding Seminar Nasional dan Call for Papers Sancall 2013. ISBN : 978-979-636-147-2, Surakarta, 23 Maret 2013
Nazaruddin, L & Basuki, A.T., (2015). Analisis Statistik dengan SPSS. Yogyakarta :
Nidar, S. R., & Bestari, S. (2012). Personal financial literacy among university students (case study at Padjadjaran University students, Bandung, Indonesia). World Journal of Social Sciences, 2(4), 162-171.
Nurgiyantoro, et al. (2009). Statistika Terapan untuk Penelitian Ilmu-ilmu Sosial. Yogyakarta: Gadjah Mada University Press
OECD (2012), Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting an Internationally Comparable Survey of Financial Literacy. Paris: OECD Publishing
Prastiawati, F. (2016). Peran Pembiayaan Baitul Maal Wat Tamwil Terhadap Persepsi Perkembangan Usaha dan Peningkatan Kesejahteraan Anggotanya dari Sektor Mikro Pedagang Pasar Tradisional di Bantul. Universitas Muhammadiyah Yogyakarta : Yogyakarta
Putra R, Suprayogi A, Kahar S. (2013). Aplikasi SIG untuk Penentuan Daerah Quick Count Pemilihan Kepala Daerah (Studi Kasus : Pemilihan Walikota Cirebon 2013, Jawa Barat). Jurnal Geodesi Undip. Oktober, Volume 2, Nomor 4, Tahun 2013 (ISSN : 2337-845X), hal 3
Rahim, S. H.A, et al. (2016). Islamic Financial Literacy and Its Determinants among University Students : An Exploratory Factor Analysis. International Journal of Economics and Financial Isuues. April 2016, ISSN: 2146-4138, Volume 6, Special Isuue (S7) 32-35
Rasyid, R. (2012). Analisis Tingkat Literasi Keuangan Mahasiswa Program Studi Manajemen Fakultas Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis, 1(02).
Santosa, Budi & Ashari. (2005). Analisis Statistik dengan Microsoft Excel dan SPSS. Semarang : penerbit Andi
Sarigül, H. (2014). A survey of financial literacy among university students. Muhasebe ve Finansman Dergisi, (64).
Sarigul, Hasmet. (2014). A Survey of Financial Literacy Among University Students. The Journal of Accounting and Finance. October 2014
Setyawati,I & Suroso, S. (2016). Sharia Financial Literacy and Effect on Social Economic Factors (Survey on Lecturer in Indonesia). International Jurnal of Scientific and Technology Research. Volume 5, Issue 02, February 2016
Shaari, et al. (2013). Financial Literacy : A Study Among The University Students. Interdisciplinary Journal of Cotemporary Research in Business. June 2013. Vol 5 no 2
Shaari, N. A., Hasan, N. A., Mohamed, R. K. M. H., & Sabri, M. A. J. M. (2013). Financial literacy: A study among the university students. Interdisciplinary journal of contemporary research in business, 5(2), 279-299.
Soemitra, Andri.(2014). Bank dan Lembaga Keuangan Syariah. Jakarta : Kencana
Supardi. (2005). Metodologi Penelitian Ekonomi Bisnis. Yogyakarta: UII Press.
Suroso, S & Setyawati, I. (2016). Sharia Financial Literacy And Effect On Social Economic Factors ( Survey On Lecturer In Indonesia). Journal : International Journal of Scientific and Technology Research. Vol 5, Issue 02, February 2016.
Van Rooij, M., A., Lusardi., & R. Alessie (2007). Financial literacy and stock market participation. NBER Working Paper No. W13565, National Bureau of Economic Research
Widyawati, I. (2012). Faktor-faktor yang mempengaruhi literasi finansial mahasiswa fakultas ekonomi dan bisnis Universitas Brawijaya. Assets: Jurnal Akuntansi dan Pendidikan, 1(1), 89-99.
Worthington, A. C. (2006). Predicting financial literacy in Australia.
Yamin, S & Kurniawan, H. (2014). SPSS Complete – Teknik Analisis Statistik Terlengkap dengan Software SPSS. Jakarta : Salemba Infotek
Yuliawan Indra. (2014). Program Literasi Keuangan yang "Menular” dan Terintegrasi. Majalah Otoritas Jasa Keuangan Edisi April 2014: hal 9 (diakses tanggal 13 januari 2016 pukul 21.00 WIB)
___. CIA World Factbook (2016). 10 Negara dengan Jumlah Penduduk Terbanyak di Dunia. (Diakses melalui http://ilmupengetahuanumum.com/10-negara-dengan-jumlah-penduduk-populasi-terbanyak-di-dunia/ tanggal 16 Juli 2017 pukul 16.10 WIB.
_____. (2011). Measuring Financial Literacy : Questionnaire and Guidance Notes for Conducting an Internationally Comparable Survey of Financial Literacy. OECD INFE (International Network in Financial Education)
___. Laporan Publikasi Survei Nasional Literasi dan Inklusi Keuangan Indonesia 2016. Otoritas Jasa Keuangan. www.sikapiuangmu.ojk.go.id. Diakses tanggal 12 Juli 2017 pukul 20.05 WIB
Abdullah, R & Razak, A. (2015). Exploratory Research Into Islamic Financial Literacy in Brunei Darussalam. Universitas Islam Sultan Sharif Ali : Brunei Darussalam
AHMAD, MAHADZIR. Why Islamic financial literacy is important. Personal Money. March, 2010.
Azwar, S. (2012). Metode Penelitian. Yogyakarta: Pustaka Pelajar
Basuki, A. T. (2015). Regresi Dalam Penelitian Ekonomi dan Bisnis. Yogyakarta
Basuki, A.T & Yuliadi, I. (2014). Elektronik Data Prosesing (SPSS 15 dan Eviews 7). Yogyakarta
Beal, D. J., & Delpachitra, S. B. (2003). Financial literacy among Australian university students. Economic Papers: A journal of applied economics and policy, 22(1), 65-78.
Boedijoewono Noegroho. 2007. Pengantar Statistika Ekonomi dan Bisnis. Yogyakarta : UPP STIM YKPN
Capuano A & Ramsay I. 2011. What Causes Suboptimal Financial Behaviour ? An Exploration of Financial Literacy, Social, Influences and Behavioral Economics. Legal Studies Research Paper No. 540. Melbourne Law School : The University of Melbourne
Capuano, A., & Ramsay, I. (2011). What causes suboptimal financial behaviour? An exploration of financial literacy, social influences and behavioural economics.
Clark, R. L., M. S. Morrill, & S. G. Allen (2009). The role of financial literacy and knowledge in determining retirement plans. Working paper, College of Management, North Carolina State University.
Devi, Ni Made. (2013). Pasar Umum Gubug di Kabupaten Grobogan dengan Pengolahan Tata Ruang Luar dan Tata Ruang Dalam melalui Pendekatan Ideologi Fungsionalisme Utilitarian. Universitas Atma Jaya Yogyakarta
Fornero, E., & Monticone, C. (2011). Financial literacy and pension plan participation in Italy. Journal of Pension Economics & Finance, 10(4), 547-564.
Gallery, G., & Gallery, N. (2010). Rethinking financial literacy in the aftermath of the global financial crisis. Griffith Law Review, 19(1), 30-50.
Gerardi, K., L. Goette, & S. Meier (2010). Financial literacy and subprime mortgage delinquency: Evidence from a survey matched to administrative data. Working Paper No. 2010-10, Federal Reserve Bank of Atlanta.
Guiso, L. & T. Jappelli (2008). Financial literacy and portfolio diversification. EUI Working Paper ECO 2008/31. Huston, S.J. 2010. Measuring Financial Literacy. Journal of Consumer Affairs. Volume 44 Issue 2
Hair, Babin, et al., (2003), Essensial of business research methods. United States of American : John Wiley & Sons, p172
Hastings, J. S., Madrian, B. C., & Skimmyhorn, W. L. (2013). Financial literacy, financial education, and economic outcomes.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
Huston, S.J., (2010). Measuring Financial Literacy.The Journal of Consumer Affairs. Vol 4., Nomor 2, 2010., ISSN :0022-0078
INFE, O. (2012). Supplementary questions: Optional survey questions for the OECD INFE financial literacy core questionnaire. Retrieved March, 10, 2015.
Kasmir. (2013). Bank dan Lembaga Keuangan Lainnya. Jakarta : Rajawali Pers Khuluqo, El. (2016). Manajemen Literasi Keuangan Berbasis Gender. UHAMKA
Kuncoro, M. (2003). Metode Riset untuk Bisnis dan Ekonomi. Jakarta : Erlangga
Kempson, E., & Finney, A. (2009). Saving in lower-income households. A Review.
Keuangan, O. J. (2013). Strategi nasional literasi keuangan Indonesia. Direktorat Literasi dan Edukasi Otoritas Jasa Keuangan, 19.
Lusardi, A & Olivia, S.M. (2007). Financial literacy and retirement preparedness: evidence and implications for Financial education program. Bussiness economic
Lusardi, A. & P. Tufano (2008). Debt literacy, financial experience and overindebtedness. NBER Working Paper No. W14808, National Bureau of Economic Research. Mahdzan N S & Tabiani S. 2013. The Impact of Financial Literacy on Individual Saving : an Exploratory Study in the Malaysian Context. Journal Transformasi in Business & Economics. Vol 12 No 1 (28), pp 41-55
Mendari, A. S & Kewal, S. (2013), "Tingkat Literasi Keuangan di Kalangan Mahasiswa STIE Musi”, Jurnal Economica, Vol 9 nomor 2, Oktober, hal 2.
Monticone, C. (2011). Financial Literacy and Financial Advice : Theory and Empirical Evidence. Netspar Thesis
Morissan. (2015). Metode Penelitian Survei. Jakarta : Prenadamedia Group
Mufidah, A., et al. (2014) . Analisis Implikasi Pembiayaan Syariah pada Pedagang Kecil di Pasar Tanjung Jember. E-Jurnal Ekonomi Bisnis dan Akuntansi. Volume 1(1) : (8-15)
Muller, S. & M. Weber (2010). Financial literacy and mutual fund investments: Who buys actively managed funds? Schmalenbach Business Review (forthcoming).
Murwanti S & Sholahuddin M. 2013. Peran Keuangan Lembaga Mikro Syariah untuk Usaha Mikro di Wonogiri. Proceeding Seminar Nasional dan Call for Papers Sancall 2013. ISBN : 978-979-636-147-2, Surakarta, 23 Maret 2013
Nazaruddin, L & Basuki, A.T., (2015). Analisis Statistik dengan SPSS. Yogyakarta :
Nidar, S. R., & Bestari, S. (2012). Personal financial literacy among university students (case study at Padjadjaran University students, Bandung, Indonesia). World Journal of Social Sciences, 2(4), 162-171.
Nurgiyantoro, et al. (2009). Statistika Terapan untuk Penelitian Ilmu-ilmu Sosial. Yogyakarta: Gadjah Mada University Press
OECD (2012), Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting an Internationally Comparable Survey of Financial Literacy. Paris: OECD Publishing
Prastiawati, F. (2016). Peran Pembiayaan Baitul Maal Wat Tamwil Terhadap Persepsi Perkembangan Usaha dan Peningkatan Kesejahteraan Anggotanya dari Sektor Mikro Pedagang Pasar Tradisional di Bantul. Universitas Muhammadiyah Yogyakarta : Yogyakarta
Putra R, Suprayogi A, Kahar S. (2013). Aplikasi SIG untuk Penentuan Daerah Quick Count Pemilihan Kepala Daerah (Studi Kasus : Pemilihan Walikota Cirebon 2013, Jawa Barat). Jurnal Geodesi Undip. Oktober, Volume 2, Nomor 4, Tahun 2013 (ISSN : 2337-845X), hal 3
Rahim, S. H.A, et al. (2016). Islamic Financial Literacy and Its Determinants among University Students : An Exploratory Factor Analysis. International Journal of Economics and Financial Isuues. April 2016, ISSN: 2146-4138, Volume 6, Special Isuue (S7) 32-35
Rasyid, R. (2012). Analisis Tingkat Literasi Keuangan Mahasiswa Program Studi Manajemen Fakultas Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis, 1(02).
Santosa, Budi & Ashari. (2005). Analisis Statistik dengan Microsoft Excel dan SPSS. Semarang : penerbit Andi
Sarigül, H. (2014). A survey of financial literacy among university students. Muhasebe ve Finansman Dergisi, (64).
Sarigul, Hasmet. (2014). A Survey of Financial Literacy Among University Students. The Journal of Accounting and Finance. October 2014
Setyawati,I & Suroso, S. (2016). Sharia Financial Literacy and Effect on Social Economic Factors (Survey on Lecturer in Indonesia). International Jurnal of Scientific and Technology Research. Volume 5, Issue 02, February 2016
Shaari, et al. (2013). Financial Literacy : A Study Among The University Students. Interdisciplinary Journal of Cotemporary Research in Business. June 2013. Vol 5 no 2
Shaari, N. A., Hasan, N. A., Mohamed, R. K. M. H., & Sabri, M. A. J. M. (2013). Financial literacy: A study among the university students. Interdisciplinary journal of contemporary research in business, 5(2), 279-299.
Soemitra, Andri.(2014). Bank dan Lembaga Keuangan Syariah. Jakarta : Kencana
Supardi. (2005). Metodologi Penelitian Ekonomi Bisnis. Yogyakarta: UII Press.
Suroso, S & Setyawati, I. (2016). Sharia Financial Literacy And Effect On Social Economic Factors ( Survey On Lecturer In Indonesia). Journal : International Journal of Scientific and Technology Research. Vol 5, Issue 02, February 2016.
Van Rooij, M., A., Lusardi., & R. Alessie (2007). Financial literacy and stock market participation. NBER Working Paper No. W13565, National Bureau of Economic Research
Widyawati, I. (2012). Faktor-faktor yang mempengaruhi literasi finansial mahasiswa fakultas ekonomi dan bisnis Universitas Brawijaya. Assets: Jurnal Akuntansi dan Pendidikan, 1(1), 89-99.
Worthington, A. C. (2006). Predicting financial literacy in Australia.
Yamin, S & Kurniawan, H. (2014). SPSS Complete – Teknik Analisis Statistik Terlengkap dengan Software SPSS. Jakarta : Salemba Infotek
Yuliawan Indra. (2014). Program Literasi Keuangan yang "Menular” dan Terintegrasi. Majalah Otoritas Jasa Keuangan Edisi April 2014: hal 9 (diakses tanggal 13 januari 2016 pukul 21.00 WIB)
___. CIA World Factbook (2016). 10 Negara dengan Jumlah Penduduk Terbanyak di Dunia. (Diakses melalui http://ilmupengetahuanumum.com/10-negara-dengan-jumlah-penduduk-populasi-terbanyak-di-dunia/ tanggal 16 Juli 2017 pukul 16.10 WIB.
_____. (2011). Measuring Financial Literacy : Questionnaire and Guidance Notes for Conducting an Internationally Comparable Survey of Financial Literacy. OECD INFE (International Network in Financial Education)
___. Laporan Publikasi Survei Nasional Literasi dan Inklusi Keuangan Indonesia 2016. Otoritas Jasa Keuangan. www.sikapiuangmu.ojk.go.id. Diakses tanggal 12 Juli 2017 pukul 20.05 WIB
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Published
2019-06-28
How to Cite
Johari, S. M., & Ramadhania, S. A. (2019). Analisis Tingkat Literasi Keuangan Syariah Pada Penyandang Disabilitas di Daerah Istimewa Yogyakarta. Al-Urban: Jurnal Ekonomi Syariah Dan Filantropi Islam, 3(1), 24–41. https://doi.org/10.22236/alurban_vol3/is2pp1-11
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