PENGARUH LITERASI KEUANGAN, STATUS SOSIAL EKONOMI ORANG TUA, DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN PRIBADI SISWA

THE EFFECT OF FINANCIAL LITERATURE, SOCIAL ECONOMIC STATUS OF PARENTS, AND LIFESTYLE ON STUDENTS' PERSONAL FINANCIAL MANAGEMENT

Tingkat literasi keuangan masyarakat di Indonesia cukup rendah menurut data di tahun 2019, akan tetapi lebih besar daripada tahun 2016 yakni indeks literasi keuangan dab indeks inklusi keuangan masing-masing sebesar 29,7 dan 67,8%. Masyarakat di Indonesia usia kisaran 21 hingga 39 tahun membelanjakan hampir 50% pndapatannya untuk gaya hidup, terutama pada generasi milenial. Pendekatan kuantitatif dipakaipadariset ini dengan penghimpunan data lewat tes, angket, dan kuesioner yang dibagikan pada siswa sehingga diperoleh data primer. Seluruh murid kelas XII jurusan Akuntansi SMK Negeri 1 Jombang menjadi subjek padariset dengan jumlah 140 siswa menggunakan teknik Random Sampling ditemukan jumlah responden 108 siswa. Hasil penelitian bisadiberisimpulan berikutini : (1) Pengelolaan keuangan pribadi dipengaruhi secara positif signifikan oleh literasi keuangan, status sosial ekonomi orang tua, juga gaya hidup. (2) Pengelolaan keuangan pribadi siswa dipengaruhi secara positif signifikan dari literasi keuangan. (3) Pengelolaan keuangan pribadi siswa dipengaruhi secara positif signifikan dari status sosial ekonomi orang tua. (4) Pengelolaan keuangan pribadi siswa dipengaruhi secara positif signifikan oleh gaya hidup.

Kata Kunci: Literasi Keuangan, Status Sosial Ekonomi, Gaya Hidup

The level of public financial literacy in Indonesia is quite low according to 2019 data, but is higher than in 2016 namely the financial literacy index and financial inclusion index of 29.7 and 67.8%, respectively. People in Indonesia, aged between 21 and 39 years, spend almost 50% of their income on lifestyle, especially for the millennial generation. A quantitative approach is used in this research by collecting data through tests, questionnaires, and questionnaires distributed to students in order to obtain primary data. All students of class XII majoring in Accounting at SMK Negeri 1 Jombang became the subject of research with a total of 140 students using the Random Sampling technique, the number of respondents being 108 students. The results of the study can be concluded as follows: (1) Personal financial management is significantly affected by financial literacy, parents' socioeconomic status, as well as lifestyle. (2) Students' personal financial management is significantly affected by financial literacy. (3) Students' personal financial management is significantly influenced positively by the socioeconomic status of their parents. (4) Students' personal financial management is significantly influenced by lifestyle.

Keywords: Financial Literacy, Socio-Economic Status, Lifestyle