Peran Literasi Keuangan Nelayan Dan Perilaku Rumah Tangga Serta Implikasinya Terhadap Ketahanan Ekonomi Keluarga (Studi Pada Keluarga Nelayan Di Pelabuhan Sadeng, Gunungkidul, Yogyakarta)
Bangun Putra Prasetya(1*)
(1) Universitas Widya Mataram
(*) Corresponding Author
Abstract
ABSTRACT
The southern coastal area was a priority area to be developed, especially in Sadeng Beach in becoming a fishing port, it was expected to be a mainstay in the economic development of the South Coast area of Gunungkidul Regency and be able to provided welfare to the community, especially fishermen. Welfare was influenced by a number of factors including the limited quality of human resources in understanding financial literacy. Good financial knowledge or Financial Literacy was needed so that financial management could be better by placing money in accordance with appropriate goods, so that it could be an effort to controled household consumptive behavior in achieving family economic resilience. This study aimed to determined the role of household behavior in mediating the influence of financial literacy in achieving family economic resilience.
The study used an explanatory approach. This research was included in the category of quantitative research because it involved numerical data, measured objective facts, focused on variables, and involved statistical analysis. Hypothesis testing using Smart PLS.
The results showed that with the role of good financial literacy applied in everyday life, it would have an impact on financial resilience. In addition, if a person's literacy ability was able to be applied and was able to controled household behavior in controlling finances and saving, it would have a good impact on family economic resilience
Keywords
Full Text:
PDFReferences
Alfida, dan Kurnia Nurul, 2018, Pengaruh Financial Knowledge, Financial Attitude Dan Locus Of Control Terhadap Financial Management Behavior Pada Pedagang Di Pasar Baru Gresik. Universitas Muahamadiyah Gresik.
Ardiyanti, D., 2018 “Indonesia sebagai Poros Maritim Dunia,” Resolusi J. Sos. Polit..
Badan Pusat Statistik, 2020, Statistik Penduduk 2020. Jakarta: Badan Pusat Statistik
Badan Pusat Statistik, 2023, [Metode Baru] Pengeluaran per Kapita Disesuaikan (Ribu rupiah/orang/tahun). <https://yogyakarta.bps.go.id/indicator/26/320/1/-metode-baru-pengeluaran-per-kapita-disesuaikan.html>di akses 5 Januari 2024.
Barbera, C., M. Jones, S. Korac, I. Saliterer, dan I. Steccolini, 2017, Ketahanan keuangan pemerintah di bawah penghematan di Austria, Inggris dan Italia: Bagaimana pemerintah daerah mengatasi guncangan keuangan? Administrasi Publik, Vol. 95, No. 3, hh. 670–697. https://doi.org/10.1111/padm.12350
Behrman, B. J. R.., O.S. Mitchell, C.K. Jadi, dan D. Bravo, 2012, Bagaimana Literasi Keuangan Mempengaruhi Akumulasi Kekayaan Rumah Tangga Penulis ( s ): Jere R . Behrman, Olivia S. Mitchell, Cindy K . jadi dan David Bravo Source : The American Economic Review, MAKALAH DAN PROSIDING SATU Hun. Vol. 102, No. 3, hh. 300–304
Chen, H., dan R.P. Volpe, 1998, An analysis of financial literacy among college students. Financial Services Review, Vol. 7, No. 1, hh. 107–128.
Cooper, D. R.., P.S.Schindler, dan J.Sun, 2014, Business research methods (Vol. 9, hh. 1-744). New York: Mcgraw-hill.
Dinas Pariwisata Kabupaten Gunungkidul, 2022, Buku Profil Pariwisata Kabupaten Gunungkidul. Gunungkidul.
Ghozali, I., 2016, Konsep,Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0.Semarang: Badan Universitas Diponegoro
Guzman, ,IF., A. Paswan, dan N. Tripati, 2019, Konsumen sentris anteseden untuk perencanaan keuangan pribadi. Jurnal Pemasaran Konsumen, Vol. 36, No. 6, hh. 858–868. https://doi.org/ 10.1108/JCM-01-2018-2514
Hair J.F., dkk, 2010, Multivariate Data Analysis.Seventh Edition. New Jersey: Pearson Prentice Hall.
Hilgert, M. A., J.M. Hogarth, S.G. Beverly, 2003, Household financial management: The connection between knowledge and behavior. Federal Reserve Bulletin, hh. 309-322
Jogiyanto dan W. Abdillah, 2009, Partial Least Square (PLS) Alternatif SEM dalam Penelitian Bisnis. Yogyakarta: Andi Offset.
Kaiser, Tim, Annamaria Lusardi, Lukas Menkhoff, dan Carly Urban, 2020.,“Financial education affects financial knowledge and downstream behaviors.” Journal of Financial Economics. doi: 10.1016/j.jfineco.2021.09.022.
Klapper, L., dan A. Lusardi, 2020, Literasi keuangan dan ketahanan keuangan: Bukti dari seluruh dunia. Manajemen Keuangan, Vol. 49, No. 3, hh. 589–614.
Kusnadi 2015, Pembangunan Wilayah Pesisir Terpadu: Strategi Mengatsasi Kemiskinan Nelayan. Yogyakarta: Graha Ilmu.
Lathifah, dan L. Christianti, 2018, "Perubahan Sosial-Ekonomi Masyarakat Petani di Sekitar Pelabuhan Perikanan Pantai Sadeng Gunung Kidul Daerah Istimewa Yogyakarta," Endogami: Jurnal Ilmiah Kajian Antropologi, Vol. 1, No. 2, hh. 104-113, Jun. 2018. https://doi.org/10.14710/endogami.1.2.104-113.
Lemhannas, 1997, Ketahanan Nasional, Jakarta: Balai Pustaka-Lemhannas
Limi, Muhammad Aswar Limi, La Sara, Taane La Ola, dan Lukman Yunu, 2017, Environmental Changes and Fisherman Welfare in Coastal Area of Kendari Bay, Agriculture, Forestry and Fisheries 2017; Vol. 6, 1, hh. 20-25.
Lusardi, A., dan O.S. Mitchell, 2007, Keamanan pensiun Baby Boomer: Peran perencanaan, literasi keuangan, dan kekayaan perumahan. Jurnal Ekonomi Moneter, Vol. 54, No. 1, hh. 205– 224.https://doi.org/10.1016/j.jmoneco.200 6.12.001
Lusard, A., dan O.S. Mitchell, 2014, Pentingnya literasi keuangan secara ekonomi: Teori dan bukti. Jurnal Sastra Ekonomi, Vol. 52, No. 1, hh. 5–44. https://doi.org/ 10.1257/jel.52.1.5
Lyons, Angela, J. Kass-Hanna, 2018, Financial Inclusion, Financial Literacy and Economically Vulnerable Populations in the Middle East and North Africa. by Angela Lyons, Josephine Kass-Hanna :: SSRN.
Mubarok, M. Husni, 2017, “Pengaruh Faktor Demografi, Pengetahuan Keuangan Dan Personality Traits Terhadap Perilaku Pengelolaan Keuangan Keluarga.” Sekolah Tinggi Ilmu Ekonomi Perbanas.
Neuman, L. W., 2007, Social research methods, 6/E. Pearson Education India.
OECD INFE, 2012, Measuring Financial Literacy: Core Questionnaire. Measuring Financial Literacy: Questionnaire and Guidance Notes for Conducting an Internationally Comparable Survey of Financial Literacy.
Otoritas Jasa Keuangan, 2013, OJK Perkuat Upaya Inklusi dan Perluasan Akses Keuangan Melalui Literasi Keuangan. Majalah OJK Edisi November. (Retrifed from: <http://sikapiuangmu.ojk.go.id/pub lic/content/files/Majalah-OJK2.pdf.>).
Pandin, M. Y. R., T. Ratnawati, dan I. Yuhertiana, 2021, Pengaruh Struktur Keuangan, Literasi Keuangan dan Perilaku Keuangan terhadap Ketahanan Keuangan Rumah Tangga Menggunakan Inklusi Keuangan dan Keputusan Keuangan sebagai Variabel Interverning pada Rumah Tangga Penyintas Kanker di Jawa Timur Selama Pandem Covid-19. IJEBD (Jurnal Internasional Kewirausahaan dan Pengembangan Bisnis), Vol. 04, 01, hh. 80–90.
Peraturan Menteri Kelautan dan Perikanan Nomor Per.16/MEN/2006 Tentang Kepelabuhanan Perikanan.
Putri, Hesty Ristiani dan Sardjito, 2016, Arahan Pengembangan Kawasan Prigi Kecamatan Watulimo Kabupaten Sidoarjo Melalui Konsep Minapolitan, JURNAL TEKNIK ITS Vol. 5, No. 2, (2016) ISSN: 2337-3539 (2301-9271 Print)
Purwanti, Agustina, 2023, Optimalkan Pengentasan Kemiskinan Wilayah Selatan DIY. <https://www.kompas.id/baca/riset/2023/02/11/optimalkan-pengentasan-kemiskinan-wilayah-selatan-diy> di akses 2 Januari 2024
Rahim, A., 2018, The Empowerment Strategy of The Traditional Fisherman’s Wives in The Coastal Area of Barru Regencey, South Sulawesi. Journal of Socioeconomics and Development, Vol. 1, No. 1.
Ricciardi, V. dan H.K. Simon, 2000, What is Behavioral Finance?. Business, Education and Technology Journal Fall, 2000
Sahidu, Adriana Monica, 2023, Tentang Para Nelayan Di Nusantara: Masyarakat Pesisir Indonesia. Fakultas Perikanan dan Kelautan (unair.ac.id) di akses 3 Januari 2024
Salim, Waris Wibowo dan Wegig Pratama, 2021, Studi Pengembangan Fasilitas Pelabuhan Perikanan Pantai Sadeng,Girisubo, Gunung Kidul. Majalah Ilmiah Gema Maritim. Vol. 23, No. 1, hh.. 15-19
Sugiharto, Eko, 2007, Tingkat Kesejahteraan Masyarakat Nelayan Desa Benua Baru Ilir Berdasarkan Indikator Badan Pusat Statistik, EPP, Vol.4., No.2., hh. 32-36.
Sun'an, Muammil, 2018, The Effect Of Government Expenditure And Private Investment On Work Opportunities And Unemployment Rate In Indonesia. Russian Journal of Agricultural and Socio-Economic Sciences, Vol 76, Iss 4, hh. 92-100
Takariani, C.S.D., 2015, Opini Nelayan Tentang Akses Informasi Publik. Jurnal Penelitian dan Komunikasi, Vol. 18 ,No. 2, Desember 2015.
UNCLOS, 1982, United Nations Convention on the Law of the Sea 1982.
Undang-Undang Nomor 31 Tahun 2004 Tentang Perikanan jo Undang-Undang Nomor 45 Tahun 2009
Undang-Undang No.27 Tahun 2007 Tentang Pengelolaan Wilayah Pesisir Dan Pulau-Pulau Kecil.
Van Rooij, Maarten, Annamaria Lusardi, dan Rob Alessie, 2011, Financial Literacy, Retirement Planning and Household Wealth*. Economic Journal. Vol. 122, hh. 449-478. 10.2139/ssrn.1945732.
Wiyanto, Hendra, Yohana Ika Putri, dan Herlina Budiono, 2019, Keterkaitan Pengetahuan Dan Perencanaan Keuangan Terhadap Perilaku Karyawan Pria. Jurnal Ekonomi, Vol. 24, 2, hh. 176–192. https://doi.org/10.24912/je.v24i2.567
Wulandari, Prisca Kiki, 2017, Inovasi Pemuda Dalam Mendukung Ketahanan Ekonomi Keluarga (Studi Di Kampung Warna-Warni Kelurahan Jodipan, Kecamatan Blimbing, Kota Malang). Jurnal Ketahanan Nasional. Vol. 23, No. 3, hh. 300-319
Yakuban, Imthiyas, 2016, A Study On Investment Strategy & Behavior Of Individual Investors Belonging To Software/It/Ites Profession In Chennai City.
Yushita, A. N., 2017a, Pentingnya literasi keuangan untuk pengelolaan keuangan keluarga. Jurnal Nominal, Vol. 6, No. 1, hh. 11–26.
https:/goo.gl/maps/Yg2Srz8GmHewQKjH9 diakses 5 Januari 2024
DOI: https://doi.org/10.22146/jkn.93613
Article Metrics
Abstract views : 1349 | views : 450Refbacks
- There are currently no refbacks.
Copyright (c) 2024 Bangun Putra Prasetya
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
View My Stats