DETERMINAN KEPUASAN KEUANGAN DENGAN BERBASIS LITERASI KEUANGAN PENGGUNA DOMPET DIGITAL DANA PADA MAHASISWA UNIVERSITAS PERWIRA PURBALINGGA
Article Sidebar
Main Article Content
Abstract
Basically every human being will feel satisfaction and happiness if someone has a good financial condition. The more satisfied a person is with their financial condition, the more satisfied and happy that person will be. This research aims to determine the effect of financial knowledge, financial attitudes and financial behavior on financial satisfaction. The population in this study were all students at Perwira University, Purbalingga. Data collection with a sampling technique that is purposive sampling. The samples criteria used are University of Perwira Purbalingga students in the 2019-2022 class year and students who use Dana digital wallets. The number of samples used were 109 respondents. Based on the results of this reasearch, partially obtained that financial knowledge and financial attitudes have a significant effect on financial satisfaction while financial behavior has an insignificant effect on financial satisfaction. Simultaneously, financial knowledge, financial attitudes and financial behavior jointly or simultaneously have an influence on financial satisfaction.
Article Details
Retained Rights/Terms and Conditions of Publication
1. As an author you (or your employer or institution) may do the following:
- make copies (print or electronic) of the article for your own personal use, including for your own classroom teaching use;
- make copies and distribute such copies (including through e-mail) of the article to research colleagues, for the personal use by such colleagues (but not commercially or systematically, e.g. via an e-mail list or list server);
- present the article at a meeting or conference and to distribute copies of the article to the delegates attending such meeting;
- for your employer, if the article is a ‘work for hire’, made within the scope of your employment, your employer may use all or part of the information in the article for other intra-company use (e.g. training);
- retain patent and trademark rights and rights to any process, procedure, or article of manufacture described in the article;
- include the article in full or in part in a thesis or dissertation (provided that this is not to be published commercially);
- use the article or any part thereof in a printed compilation of your works, such as collected writings or lecture notes (subsequent to publication of the article in the journal); and prepare other derivative works, to extend the article into book-length form, or to otherwise re-use portions or excerpts in other works, with full acknowledgement of its original publication in the journal;
- may reproduce or authorize others to reproduce the article, material extracted from the article, or derivative works for the author’s personal use or for company use, provided that the source and the copyright notice are indicated, the copies are not used in any way that implies RCEPM-LIPI endorsement of a product or service of any employer, and the copies themselves are not offered for sale.
All copies, print or electronic, or other use of the paper or article must include the appropriate bibliographic citation for the article’s publication in the journal.
2. Requests from third parties
Although authors are permitted to re-use all or portions of the article in other works, this does not include granting third-party requests for reprinting, republishing, or other types of re-use. Requests for all uses not included above, including the authorization of third parties to reproduce or otherwise use all or part of the article (including figures and tables), should be referred to RCEPM-LIPI by going to our website athttp://telimek.lipi.go.id.
3. Author Online Use
- Personal Servers. Authors and/or their employers shall have the right to post the accepted version of articles pre-print version of the article, or revised personal version of the final text of the article (to reflect changes made in the peer review and editing process) on their own personal servers or the servers of their institutions or employers without permission from RCEPM-LIPI, provided that the posted version includes a prominently displayed RCEPM-LIPI copyright notice and, when published, a full citation to the original publication, including a link to the article abstract in the journal homepage. Authors shall not post the final, published versions of their papers;
- Classroom or Internal Training Use. An author is expressly permitted to post any portion of the accepted version of his/her own articles on the author’s personal web site or the servers of the author’s institution or company in connection with the author’s teaching, training, or work responsibilities, provided that the appropriate copyright, credit, and reuse notices appear prominently with the posted material. Examples of permitted uses are lecture materials, course packs, e-reserves, conference presentations, or in-house training courses;
- Electronic Preprints. Before submitting an article to an MEV Journal, authors frequently post their manuscripts to their own web site, their employer’s site, or to another server that invites constructive comment from colleagues. Upon submission of an article to MEV Journal, an author is required to transfer copyright in the article to RCEPM-LIPI, and the author must update any previously posted version of the article with a prominently displayed RCEPM-LIPI copyright notice. Upon publication of an article by the RCEPM-LIPI, the author must replace any previously posted electronic versions of the article with either (1) the full citation to the work with a Digital Object Identifier (DOI) or link to the article abstract in MEV journal homepage, or (2) the accepted version only (not the final, published version), including the RCEPM-LIPI copyright notice and full citation, with a link to the final, published article in journal homepage.
4. Articles in Press (AiP) service
RCEPM-LIPI may choose to publish an abstract or portions of the paper before we publish it in the journal. Please contact our Production department immediately if you do not want us to make any such prior publication for any reason, including disclosure of a patentable invention.
5. Author/Employer Rights
If you are employed and prepared the article on a subject within the scope of your employment, the copyright in the article belongs to your employer as a work-for-hire. In that case, RCEPM-LIPI assumes that when you sign this Form, you are authorized to do so by your employer and that your employer has consented to the transfer of copyright, to the representation and warranty of publication rights, and to all other terms and conditions of this Form. If such authorization and consent has not been given to you, an authorized representative of your employer should sign this Form as the Author.
6. RCEPM-LIPI Copyright Ownership
It is the formal policy of RCEPM-LIPI to own the copyrights to all copyrightable material in its technical publications and to the individual contributions contained therein, in order to protect the interests of the RCEPM-LIPI, its authors and their employers, and, at the same time, to facilitate the appropriate re-use of this material by others. RCEPM-LIPI distributes its technical publications throughout the world and does so by various means such as hard copy, microfiche, microfilm, and electronic media. It also abstracts and may translate its publications, and articles contained therein, for inclusion in various compendiums, collective works, databases and similar publications
References
Armilia, N., & Isbanah, Y. (2020). Faktor Yang Memengaruhi Kepuasan Keuangan Pengguna Financial Technology Di Surabaya. Jurnal Ilmu Manajemen, 8(1), 39–50.
Atkinson, A., & Messy, F. (2012). Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study (OECD Working Papers on Finance, Insurance and Private Pensions No. 15; OECD Working Papers on Finance, Insurance and Private Pensions, Vol. 15).
Austin, J. N., & MN, N. (2021). Perilaku, Sikap Dan Pengetahuan Keuangan Terhadap Kepuasan Keuangan. Jurnal Manajerial Dan Kewirausahaan, 3(1), 61.
Azizeh, N., Widyastuti, U., & Yusuf, M. (2022). Determinant of Financial Management Behavior and Impact on Financial Satisfaction in Generation Z. Jurnal Dinamika Manajemen Dan Bisnis, 5(2), 57–76.
CNBC Indonesia. (2022). Wow! Pengguna Dana Kini Tembus 100 Juta. https://www.cnbcindonesia.com/news/20220225102823-51-318305/wow pengguna-dana-kini-tembus-100-juta. Diakses pada tanggal 2 November 2022.
CNN Indonesia. (2022). Semakin dipercaya, Dana Catat Kenaikan Transaksi Harian 190 persen. https://www.cnnindonesia.com/nasional/20221017131931-293-861559/semakin-dipercaya-dana-catat-kenaikan-transaksi-harian-190-persen. Diakses pada tanggal 2 November 2022.
Darmawan, D., & Pamungkas, A. S. (2019). Pengaruh Financial Attitude, Financial Behavior, Dan Financial Knowledge Terhadap Financial Satisfaction. Jurnal Manajerial Dan Kewirausahaan, 1(2), 172.
Diener, E. (2009). The Science Of Well-Being: The Collected Works Of Ed Diener (Vol. 37, Pp. 11-58). New York: Springer.
Estuti, E. P., Rosyada, I., & Faidah, F. (2021). Analisis Pengetahuan Keuangan, Kepribadian Dan Sikap Keuangan Terhadap Perilaku Manajemen Keuangan. Jurnal Capital: Kebijakan Ekonomi, Manajemen Dan Akuntansi, 3(1), 1–14.
Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment of a Model of Financial Satisfaction Predictors: Examining the Mediate Effect of Financial Behaviour and Financial Strain. IDOSI, 20(2), 190–197.
Garman, E. T., & Forgue, R. E. (2010). Personal Finance International Edition. Canada: South-Western Cengage Learning.
Hadiah, U. S. (2022). Pengaruh Literasi Keuangan Syariah, Financial Efficacy, Financial Attitude, Financial Behavior Terhadap Kepuasan Finansial Pada Mahasiswa Fakultas Ekonomi Uin Maulana Malik Ibrahim Malang (Doctoral Dissertation, Universitas Islam Negeri Maulana Malik Ibrahim).
Hardani, H., Andriani, H., Fardani, R. A., Ustiawaty, J., Utami, E. F., Sukmana, D. J., & Istiqomah, R. R. (2020). Metode Riset Kualitatif & Kuantitatif. Yogyakarta: Pustaka Ilmu.
Hardina, F. (2019). Pengaruh Literasi Keuangan Terhadap Kepuasan Keuangan Dengan Perilaku Keuangan Sebagai Variabel Intervening Pada Masyarakat Kota Makassar (Doctoral Dissertation, Universitas Islam Negeri Alauddin Makassar).
Hasibuan, B. K., Lubis, Y. M., & Hr, W. A. (2018). Financial Literacy and Financial Behavior as a Measure of Financial Satisfaction. Proceedings of the 1st Economics and Business International Conference 2017 (EBIC 2017). 1st Economics and Business International Conference 2017 (EBIC 2017), Medan, Indonesia.
Hermawan, A., & Yusran, H. L. (2017). Riset Bisnis Pendekatan Kuantitatif. Kencana.
Humaira, I., & Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi dan Manajemen, 7(1).
Kumalasari, R. (2022). Macam-Macam E-Wallet, Definisi, Kelebihan, dan Kekurangannya. https://majoo.id/solusi/detail/ewallet-adalah. Diakses pada tanggal 2 November 2022.
Mahanani, S. (2021). Model Peningkatan Kepuasan Keuangan Melalui Perilaku Keuangan Pada Pelaku Umkm Di Kota Semarang (Doctoral Dissertation, Universitas Islam Sultan Agung).
Malik, A. (2022). Survei OJK 2022 : Inklusi Keuangan Naik Jadi 85,1% dan literasi 49,6%. https://www.bareksa.com/berita/pasar-modal/2022-10-30/survei-ojk-2022-inklusi-keuangan-naik-jadi-851-dan-literasi-496. Diakses pada tanggal 2 November 2022.
Merdeka.com. (2022). Dukung Eazy Passport, Dana dan Kanim Tangerang Edukasi Tata Cara Pembayaran Paspor. https://m.merdeka.com/uang/dukung-eazy-passport-dana-dan-kanim-tangerang-edukasi-tata-cara-pembayaran-paspor.html. Diakses pada tanggal 2 November 2022.
Muchson, M. (2017). Statistik Deskriptif. Bogor:Guepedia.
Muhidia, S. C. U. (2019). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Locus Of Control Terhadap Perilaku Keuangan Mahasiswa Prodi Manajemen Universitas Muhammadiyah Gresik. Jurnal Manajerial, 5(2), 58–65.
Ningrum, M. K. (2022). Kenal Lebih Dekat dengan Dompet Digital. https://bisnis.tempo.co/read/1611881/kenal-lebih-dekat-dengan-dompet-digital. Diakses pada tanggal 2 November 2022.
Octavia, K., Hamidah, & Kurnianti, D. (2020). Pengaruh Tiga Elemen Literasi Keuangan Terhadap Kepuasan Keuangan Mahasiswa Universitas Negeri Jakarta Pengguna Dompet Digital. Skripsi: Universitas Negeri Jakarta.
Olanda, M.R. (2022). Manfaat Dompet Digital Bagi Milenial dalam Mudahkan Transaksi. https://digitalbisa.id/artikel/manfaat-dompet-digital-bagi-milenial-dalam-mudahkan-transaksi-PtwiC. Diakses pada tanggal 2 November 2022.
Pangestu, Inggih. (2022). Mengenal Aplikasi Dana: Kegunaan, Cara Daftar dan Pakai Dana. https://idmetafora.com/news/read/981/Mengenal-Aplikasi-DANA-Kegunaan-Cara-Daftar-dan-Pakai-DANA.html
Pratiwi, O. (2019). Pengaruh Financial Knowledge, Financial Behavior, Financial Efficacy & Risk Tolerance Terhadap Financial Satisfaction Pada Pegawai Pt. Bank Mandiri (Persero) Kantor Pusat. Jurnal Dinamika Manajemen dan Bisnis, 1–11.
Prihastuty, D. R., & Rahayuningsih, S. (2018). Pengaruh financial literacy, financial behavior, financial attitude, dan demografi terhadap perilaku konsumtif (studi pada mahasiswa strata I fakultas ekonomi universitas 17 Agustus 1945 Surabaya). JHP17: Jurnal Hasil Riset, 3(2).
Putri, C. H., & Azhari, M. (2021). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian terhadap Perilaku Manajemen Keuangan pada Pelaku UMKM Bahan Bangunan Kota Tasikmalaya. Universitas Telkom Bandung.
Riansih, D. (2021). Pengaruh Pengetahuan Keuangan, Sikap Keuangan dan Literasi Keuangan Terhadap Kepuasan Keuangan dengan Perilaku Keuangan Sebagai Variabel Intervening. Skripsi: Universitas Muhammadiyah Purwokerto.
Saurabh, K., & Nandan, T. (2018). Role of financial risk attitude and financial behavior as mediators in financial satisfaction. South Asian Journal of Business Studies, 7(2), 207–224.
Sherlyani, M., & Pamungkas, A. S. (2020). Pengaruh Financial Behavior, Risk Tolerance, Dan Financial Strain Terhadap Financial Satisfaction. Jurnal Manajerial Dan Kewirausahaan, 2(1), 272.
Sugiyono. (2020). Metode Riset Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta, CV.
Wahab, A., Aprilla, I. R., & Mulia, A. (2019). Determinan Kepuasan Keuangan Pelaku Umkm. Assets : Jurnal Ekonomi, Manajemen dan Akuntansi, 9(2), 138.
Wediawati, B., Maqiyah, R., & Setiawati, R. (2022). Determinan Kepuasan Keuangan (Financial Satisfaction) Berbasis Literasi Keuangan Pada Pengguna Fintech Shopeepay. Jurnal Manajemen Terapan dan Keuangan, 11(2), 526–540.
Wijaya, T., & Sugara, K. (2020). Pengaruh Income, Financial Attitude, Dan Financial Behaviour Terhadap Financial Satisfaction. Conference on Innovation and Application of Science and Technology (CIASTECH 2020).