PENGARUH LITERASI KEUANGAN TERHADAP PERENCANAAN KEUANGAN KELUARGA DI KOTA MATARAM

Abstract

Financial literacy and financial planning for every Indonesian family are
important. It is because the family is one of the pillars of the economy where the
financial health of the family will have an influence on the overall financial health of
the country. If based on the province, NTB's financial literacy index is 17th in 34
provinces in Indonesia at 21.45%. This figure indicates that there is still a low level of
understanding, knowledge and access of people in NTB to institutions, financial
products, and services. Therefore financial education and supporting infrastructure
development must be carried out continuously so that public financial literacy can
reach well literate. This research is a field research. Data collection methods used are
observation, interviews and questionnaires. This study used a sample of 100 people.
The sampling technique is by random sampling due to research efficiency. The output of
the F test shows that the calculated F value is 4.516 with a significance level of 0.036.
The significance level is 0.036 <0.05, so it can be interpreted that there is an influence
of financial literacy variable (X) on the family financial planning variable (Y).
Similarly, it is proven by testing the second hypothesis with the T test. The output of the
T test can be seen that the value of t count is 2.125. Then after t count compared to t
table which has a value of 1,980. With the value of t count 2.125> t table 1.980 it can
be concluded that Ho is accepted which means that "there is an influence of financial
literacy (X) on family financial planning (Y).