Literasi Keuangan Pedagang Di Taman Wisata Makam Sunan Giri Gresik
DOI:
https://doi.org/10.32670/ht.v2iSpecial%20Issue%202.1367Keywords:
Financial Literacy, Financial Knowledge , Saving and borrowin, Insurance, InvestmentAbstract
This study aims to test the Financial Literacy of Traders at the Taman Wisata Makam Sunan Giri Gresik through 4 aspects of financial literacy, namely financial knowledge, savings and loans, insurance, and investment. By collecting data from 5 (five) informants, one of which is a key informant as the main resource or opening the way in this research. The test was conducted using qualitative research methods. The test was carried out using data analysis of the Milles and Huberman model which includes data collection, data reduction, data presentation, and verification. The results show that the Financial Literacy of Traders at Taman Wisata Makam Sunan in the aspect of financial knowledge through recording, planning, and spontaneity. The savings held by traders are used for urgent and unexpected purposes, which amount to around 20% of the profits earned. Loans made by traders are used for capital based on an assessment of the amount of installments and interest. The insurance owned by the traders is only in the form of health insurance used for their families, they do not register their businesses because they are only small businesses. In the investment aspect, traders mean that investment has benefits and added value for survival in the future.
References
Atmojo, D. D. (2019). Analisis Literasi Keuangan Ibu Rumah Tangga (Studi Kasus Pada Guru PNS SDN 3 Buyut Ilir Kecamatan Gunung Sugih Kabupaten Lampung Tengah) (Doctoral dissertation, IAIN Metro).
Boediono (2012) Ekonomi Internasional. Yogyakarta : BPFE.
Halim, Y. K. E., & Astuti, D. (2015). Financial Stressors, Financial Behavior, Risk Tolerance, Financial Solvency, Financial Knowledge, dan Kepuasan Finansial. Jurnal Finesta, 3(1), 19-23.
Hani, Syafrida. (2015). Teknik Analisa Laporan Keuangan. Medan: UMSU PRESS.
Indah Imawati, Suci (2013) Pengaruh Financial Literacy terhadap Perilaku Konsumtif Remaja pada Program IPS SMA Negeri 1 Surakarta Tahun Ajaran 2012/2013. Jupe UNS. VO. 2 No. 1 Hal 48/58.
Japelli, Tulio. (2009). Economic Literacy: An Economic Comparison. Working Paper 289. Centre for studies in Economics and Finance: University of Salerno. www.csef.it/WP/wp238.pdf diakses pada tanggal 10 Desember 2021.
Kusumaningtyas Indarti (2017) Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Siswa Kelas XI IPS Di SMA Negeri 1 Taman Sidoarjo. Vol 5, No 3, 2017.
Laela Susdiani (2017) Pengaruh Financial Litercy dan Financial Experince Terhadap Perilaku Perencanaan Investasi PNS Di Kota Padang. Jurnal Pembangunan Negeri. Vol. 2 No. 1 Hal. 6174.
Laily, N. (2013). Pengaruh Literasi Finansial Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. E-Journal Universitas Negeri Malang, Vol.1 No.4.
Margaretha, F., & Pambudhi, R. A. (2015). Tingkat Literasi Keuangan Pada Mahasiswa S-1 Fakultas Ekonomi. Jurnal Manajemen dan Kewirausahaan, 17(1), 76-85.
Mendari, A. S., & Kewal, S. S. (2014). Tingkat Literasi di Kalangan Mahasiswa STIE MUSI.
Rahma, N. A. (2019). Kajian Literasi Finansial dan Perilaku Konsumtif Guru Di Sman 4 Makassar (Doctoral Dissertation, Universitas Negeri Makassar).
Rambe, M. F., Gunawan, A., Julita, J., Parlindungan, R., & Gultom, D. K. (2017). Pengantar Manajemen Keuangan. Citapustaka Media.
Sine, V., Kellen, P. B., & Amtiran, P. Y. (2020). Analisis Literasi Keuangan Pedagang Di Pasar Oesapa Kota Kupang Nusa Tenggara Timur. Jurnal Ekobis: Ekonomi Bisnis & Manajemen, 10(2), 182-194.
Soetiono, K. S., & Setiawan, C. (2018). Literasi dan Inklusi Keuangan Indonesia. PT RajaGrafindo Persada.
Soraya, E., & Lutfiati, A. (2020). Analisis Faktor-Faktor Yang Mempengaruhi Literasi Keuangan. Kinerja, 2(02), 111-134.
Sugiyono. 2015. Memahami Penelitian Kualitatif. Bandung: ALFABETA.
Sugiyono. 2016. Memahami Penelitian Kualitatif. Bandung: ALFABETA.
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
