Articlediamond2018

Financial Literacy, Materialism and Financial Behavior

Anastasia Anggarkusuma Arofah · Yunastiti Purwaningsih · Mintasih Indriayu

55 citations0/0 files storedInternational Journal of Multicultural and Multireligious Understanding

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Financial Literacy and Behavior Financial Analysis and Corporate Governance Financial Literacy, Pension, Retirement Analysis

Abstract

AbstractOtoritas Jasa Keuangan (OJK) focus on improving financial behavior is through financial education program. This study discusses the importance of financial literacy and materialism attitudes in affecting individual’s financial behaviour. Using survey on 129 undergraduates of Economic Education, financial literacy and materialism being factor in affecting behaviour finance. The result of research shows that financial literacy has positive and significant contribution on financial behaviour. It can be seen from the original sample value is 0.244 and t-value 2.319 > 1.96. In addition materialism has a positive and significant contribution on financial behaviour with the original sample value is -0.583 and t-value 6.666 > 1.96. Undergraduates with high financial literacy has good financial behaviour, and undergraduates with low materialism tends can hold an activity related to the purchase of consumer goods and services. Moreover, the significance of financial literacy and self-efficacy has important implications for the development of policies that aim to improve financial behaviour among college students in financial education programs. Keywords: Financial Literacy, Materialism, Financial Behaviour, Financial Education

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References

2014The Economic Importance of Financial Literacy: Theory and Evidence 2004The Material Values Scale: Measurement Properties and Development of a Short Form 2013The Economic Importance of Financial Literacy: Theory and Evidence 2013The Economic Importance of Financial Literacy: Theory and Evidence 2000Consumer behavior, 7th ed 2012The relationship of materialism to debt and financial well-being: The case of Iceland’s perceived prosperity 2012Financial literacy and the cost of borrowing 2011Financial literacy and retirement planning in New Zealand

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