Factors Affecting Financial Literacy In The Use Of Financial Institutions Products and Services

Ni Kadek Kiki Novita  MAHAENI; A.A. Ketut  JAYAWARSA; Kompiang  BAGIADA

doi:10.38142/jtep.v1i1.104

Authors

Ni Kadek Kiki Novita MAHAENI University of Warmadewa, Indonesia
A.A. Ketut JAYAWARSA University of Warmadewa, Indonesia
Kompiang BAGIADA University of Warmadewa, Indonesia

DOI:

https://doi.org/10.38142/jtep.v1i1.104

Keywords:

financial literacy, inancial institutions,, Products and services

Abstract

This study aimed to determine the effect of gender, parental income, and area of origin on financial literacy in the simultaneous and partial use of financial ins titution products and services among active students in the fifth semester of the Faculty of Economics and Business Warmadewa University. The results showed that gender, parents' income, and area of origin had a significant positive effect on financial literacy in the use of products and services of financial institutions. Then partially, gender has a significant positive effect on financial literacy in the use of products and services of financial institutions, while the income of parents and area of origin has no effect on financial literacy in the use of products and services of financial institutions.

References

Ardana, I. C., Dermawan, E. S., & Susanti, M. (2017). Workplace Spirituality and Earning Management Motivation. Journal of Accounting, 20(1), 86. https://doi.org/10.24912/ja.v20i1.77

Atmadja, A. T., & Saputra, K. A. K. (2018a). Accounting Failure in Overcoming Fraud (Postmodern Perspective). Journal of Accounting Applications, 3(1), 1–21.

Atmadja, A. T., & Saputra, K. A. K. (2018b). The Influence of University Culture on Accounting Student Performance With Creativity as a Moderating Variable. Journal of Actual Accounting, 5(1), 22–30.

Datrini, L. K., Saputra, K. A. K., & Wistawan, I. M. A. P. (2018). Analysis of the Influence of Student Psychological Factors on the Success of Getting a Bachelor's Degree in Accounting. Scientific Journal of Accounting, 3(2), 119–138.

Devi, S., Dewi, L. G. K., Budiarta, L. G. R., & Saputra, K. A. K. (2019). Contextual Teaching and Learning Strategy of Financial Management Based on Tri Hita Karana and Catur Purusa Artha through the Sekaa Work Program. Journal of Accounting Applications, 3(2), 1–38. https://doi.org/10.29303/jaa.v3i2.43

Giffari, Arvika Shinta. (2018). "Financial Literacy Analysis of Economics Students at the Islamic University of Indonesia". https://dspace.uii.ac.id

Kaplan, R. (1998). Innovation Action Research: Creating New Management Theory and Practice. Journal of Management Accounting Research, 10, 89–118.

Kurniasari, N. T., Fariyanti, A., & Ristiyanto, N. (2018). Fraud Prevention Strategy (Fraud) In Government Financial Management Using. 10(April).

Laily, N. (2013). "The Influence of Financial Literacy on Student Behavior in Managing Finances,". State University of Malang E-Journal, Vol.1 No.4

Margaretha, Farah, and Siti May Sari. (2015). "Determining Factors of Financial Literacy Level of Credit Card Users in Indonesia," no. 1: 132–44. doi:10.18196/JAI-150.0038.

Margaretha, F. Dan Pambudhi, R. A. (2015) “Financial Literacy Levels in Undergraduate Students,” 17(1), p. 76–85. Doi: 10.9744/Jmk.17.1.76.

Murti, A. K., Trisnadewi, A. A. E., Citraresmi, L. D., & Saputra, K. A. K. (2018). SAK ETAP, Quality of Financial Reports and Amount of Credit received by MSMEs. Equity: Journal of Economic Education, 6(2), 52–61. https://doi.org/10.23887/ekuitas.v6i2.16300

Nababan, D. & Sadalia, I. (2013). "Analysis of Personal Literacy and Financial Behavior of Undergraduate Students of the Faculty of Economics, University of North Sumatra". (Online),(http://repository.usu.ac.id./handle/123456 789/34557, accessed December 2019).

Putra, A. (2014). on Self Control Behavior With Theory Planned of Behavior. Scientific Journal of the Indonesian Institute of Accountancy, 9(1), 1–19.

Rachmasari, Adetya. (2018). "Factors Affecting Student Financial Literacy". Thesis. Indonesian Islamic University: Yogyakarta.

Saputra, K. A. K., Jayawarsa, A. A. K., & Atmadja, A. T. (2019). Resurrection as a fading implication of accountability in financial management for a village credit institution. International Journal of Business, Economics, and Law, 19(5), 258–268.

Saputra, K. A. K., Pradnyanitasari, P. D., Priliandani, N. M. I., & Putra, I. G. B. N. P. (2019). Practice of Accountability and Competence of Human Resources for Fraud Prevention in Village Fund Management. KRISNA Journal: Collection of Accounting Research, 10(2), 168–176.

Saputra, K. A. K., Priliandani, N. M. I., Pradnyanitasari, P. D., & Larasdiputra, G. D. (2019). Case-Based Learning in Public Sector Accounting Learning. Journal of Axiom Accounting Research, 18(1), 113–155.

Sari, N. L. P. P., Yuniarta, G. A., & Adiputra, I. M. P. (2015). Effect of Internal Control System Effectiveness, Compliance with Accounting Rules, Perception of Compensation Suitability and Implementation of Good Governance on Fraud Trends (Empirical Study on SKPD in Tabanan Regency). E-Journal S1 Ak Ganesha University of Education Major, 3(1)

Yudha, C. K., & Saputra, K. A. K. (2019). The Effect of Going Concern Opinion, Management Changes, Financial Difficulties, And Auditor Reputation On Auditor Switching. JAD: Dewantara's Journal of Accounting and Financial Research, 2(2), 82–95. https://doi.org/10.7868/s0869565217060263