Article Sidebar

Submitted
June 9, 2016
Accepted
June 23, 2016
Published
June 30, 2016
Download
PDF
Statistic
Read Counter : 684 Download : 911

Main Article Content

Abstract

This article analyses financial planning for students who studying Islamic economic two universities in Yogyakarta, that is UIN Sunan Kalijaga and Universitas Islam Indonesia. This study is conducted by convenience sampling on 30 samples of each group.  The questionnaire is then distributed to collect data related to financial planning, knowledge, and control. The results show that 60 respondents (53% men) generally had low Islamic financial planning. Statistically there is no difference between the two groups of samples. In addition, this study also shows that financial knowledge variables statistically affect the financial planning of the students, while the control variables do not significantly influence it. However, both variables, the variable knowledge and control variables, significantly affect financial planning.

Keywords

Islamic financial planning financial knowledge financial literacy student financial planning

Article Details

License

Copyright (c) 2016 Ida Kurnia Putri

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
How to Cite
Putri, I. K. (2016). Financial planning among Islamic economics students in Yogyakarta. Journal of Islamic Economics Lariba, 2(1), 17–24. https://doi.org/10.20885/jielariba.vol2.iss1.art3
Download Citation
Endnote/Zotero/Mendeley (RIS)
BibTeX
Crossref
Scopus
Google Scholar
Europe PMC

References

  1. Angulo-Ruiz, F., & Pergelova, A. (2015). An empowerment model of youth financial behavior. Journal of Consumer Affairs, 49(3), 550–575. https://doi.org/10.1111/joca.12086
  2. Astuti, R. N., & Hartoyo. (2013). Pengaruh nilai, tingkat pengetahuan, dan sikap terhadap perencanaan keuangan hari tua. Jurnal Ilmu Keluarga Dan Konsumen, 6(2), 109–118. https://doi.org/10.24156/jikk.2013.6.2.109
  3. Dewi, M. K., Khotimah, S., & Puspitasari, N. (2014). Telah financial literasi mahasiswa FEB Universitas Jenderal Soedirman: Suatu implikasi pembelajaran di perguruan tinggi. In Proceeding Seminar Nasional & Call For Papers (SCA-4) (pp. 819–832). Purwokerto, Indonesia: FEB Universitas Jenderal Soedirman. Retrieved from http://jp.feb.unsoed.ac.id/index.php/sca-1/article/view/720
  4. Gerrans, P., & Heaney, R. (2016). The impact of undergraduate personal finance education on individual financial literacy, attitudes and intentions. Accounting & Finance. https://doi.org/10.1111/acfi.12247
  5. Ghozie, P. H. (2014). Make it happen: Buku pintar rencana keuangan untuk mewujudkan mimpi. Jakarta, Indonesia: Gramedia Pustaka Utama.
  6. Herawati, N. T. (2015). Kontribusi pembelajaran di perguruan tinggi dan literasi keuangan terhadap perilaku keuangan mahasiswa. Jurnal Pendidikan Dan Pengajaran, 48(1–3), 60–70. https://doi.org/10.23887/jppundiksha.v48i1-3.6919
  7. Iqbal, M. (2008). Dinar solution. Jakarta, Indonesia: Gema Insani Press.
  8. KBBI Daring. (2016). tahu. Retrieved from https://kbbi.kemdikbud.go.id/entri/pengetahuan
  9. Kusumaningrum, D. F. (2013). Penerapan hasil belajar manajemen sumber daya keluarga pada pengelolaan keuangan mahasiswa pendidikan tata boga. Universitas Pendidikan Indonesia [Undergraduate Thesis]. Retrieved from http://repository.upi.edu/9546/
  10. Laily, N. (2013). Pengaruh literasi keuangan terhadap perilaku mahasiswa dalam mengelola keuangan. Jurnal Pendidikan Akuntansi (JPA), 1(4). Retrieved from http://journal.um.ac.id/index.php/jpa/article/view/3956
  11. Lestari, S. (2015). Literasi keuangan serta penggunaan produk dan jasa lembaga keuangan. Fokus Bisnis, 14(2), 14–24. Retrieved from http://journal.stieputrabangsa.ac.id/index.php/fokbis/article/view/45
  12. Lukmanto, R. (2014). Studi deskriptif persepsi mahasiswa tentang perencanaan keuangan mahasiswa di Surabaya. CALYPTRA: Jurnal Ilmiah Mahasiswa Universitas Surabaya, 3(1). Retrieved from http://journal.ubaya.ac.id/index.php/jimus/article/view/624
  13. Margaretha, F., & Pambudhi, R. A. (2015). Tingkat literasi keuangan pada mahasiswa S-1 Fakultas Ekonomi. Jurnal Manajemen Dan Kewirausahaan, 17(1), 76–85. https://doi.org/10.9744/jmk.17.1.76-85
  14. Megaputra, G., & Indrawati, N. K. (2014). Strategy to achieve financial goals (Descriptive study on University of Brawijaya student). Jurnal Ilmiah Mahasiswa FEB, 2(2). Retrieved from http://jimfeb.ub.ac.id/index.php/jimfeb/article/view/1354
  15. Mendari, A. S., & Kewal, S. S. (2013). Tingkat literasi keuangan di kalangan mahasiswa STIE Musi. Jurnal Economia, 9(2), 130–140. https://doi.org/10.21831/economia.v9i2.1804
  16. Mukhlisin, M. (2013). Sakinah finance: Solusi mudah mengatur keuangan keluarga Islami. Surakarta, Indonesia: Tinta Medina.
  17. Murphy, D. S., & Yetmar, S. (2010). Personal financial planning attitudes: a preliminary study of graduate students. Management Research Review, 33(8), 811–817. https://doi.org/10.1108/01409171011065617
  18. Nicolini, G., Cude, B. J., & Chatterjee, S. (2013). Financial literacy: A comparative study across four countries. International Journal of Consumer Studies, 37(6), 689–705. https://doi.org/10.1111/ijcs.12050
  19. Potrich, A. C. G., Vieira, K. M., Coronel, D. A., & Bender Filho, R. (2015). Financial literacy in Southern Brazil: Modeling and invariance between genders. Journal of Behavioral and Experimental Finance, 6, 1–12. https://doi.org/10.1016/j.jbef.2015.03.002
  20. Power, M., & Hobbs, J. M. (2015). A comparative analysis of financial professionals’ perception of the level of graduating business student retirement planning familiarity, motivation, and preparedness. Risk Management and Insurance Review, 18(2), 273–295. https://doi.org/10.1111/rmir.12044
  21. Power, M. L., Hobbs, J. M., & Ober, A. (2011). An empirical analysis of the effect of financial education on graduating business students’ perceptions of their retirement planning familiarity, motivation, and preparedness. Risk Management and Insurance Review, 14(1), 89–105. https://doi.org/10.1111/j.1540-6296.2011.01194.x
  22. Pratiwi, N. A., & Hartoyo. (2014). Analisis niat beli asuransi jiwa pada mahasiswa: Aplikasi theory of planned behavior. Jurnal Ilmu Keluarga & Konsumen, 7(1), 58–66. https://doi.org/10.24156/jikk.2014.7.1.58
  23. Priya, A. R. S., Krishnaraj, R., & Chitra, M. (2015). A study on awareness of personal financial planning among pharma students in Chennai City. International Journal of Pharmaceutical Sciences Review and Research, 33(2), 25–29. Retrieved from http://globalresearchonline.net/journalcontents/v33-2/06.pdf
  24. Rahman, A. (1995). Doktrin ekonomi Islam (Jilid 2). Yogyakarta, Indonesia.
  25. Rasyid, R. (2012). Analisis tingkat literasi keuangan mahasiswa Program Studi Manajemen Fakultas Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis, 1(2), 91–108. Retrieved from http://ejournal.unp.ac.id/index.php/jkmb/article/view/4778
  26. Rita, M. R., & Pesudo, B. C. A. (2014). Apakah mahasiswa sudah melek keuangan? Dinamika Akuntansi Keuangan Dan Perbankan, 3(1), 58–65. Retrieved from http://www.unisbank.ac.id/ojs/index.php/fe9/article/view/2878
  27. Roszkowski, M. J., Glatzer, M., & Lombardo, R. (2015). An analysis of the nature of the relationship between SAT scores and financial literacy. Journal of Business & Finance Librarianship, 20(1–2), 66–94. https://doi.org/10.1080/08963568.2015.978715
  28. Salleh, A. M. H. A. P. M. (2015). A comparison on financial literacy between welfare recipients and non-welfare recipients in Brunei. International Journal of Social Economics, 42(7), 598–613. https://doi.org/10.1108/IJSE-09-2013-0210
  29. Saunders, M., Lewis, P., & Thornhill, A. (2012). Research methods for business students (6th ed.). Essex, UK: Pearson Education Limited.
  30. Saunders, M. N. K. (2012). Choosing research participants. In G. Symons & C. Cassell (Eds.), The Practice of Qualitative Organizational Research: Core Methods and Current Challenges (pp. 37–55). London, UK: Sage Publications, Ltd.
  31. Septiani, N., & Rita, M. R. (2013). Melek finansial dan spending habits berdasarkan jenis kelamin (Studi empiris pada mahasiswa/i di FEB UKSW). In Proceeding Seminar Nasional & Call For Papers (SCA-3). Retrieved from http://www.jp.feb.unsoed.ac.id/index.php/sca-1/article/view/282
  32. Shalahuddinta, A., & Susanti. (2014). Pengaruh pendidikan keuangan di keluarga, pengalaman bekerja dan pembelajaran di perguruan tinggi terhadap literasi keuangan. Jurnal Pendidikan Akuntansi (JPAK), 2(2), 1–10. Retrieved from http://jurnalmahasiswa.unesa.ac.id/index.php/jpak/article/view/9134
  33. Sina, P. G., & Noya, A. (2012). Pengaruh kecerdasan spiritual terhadap pengelolaan keuangan pribadi. Jurnal Manajemen Maranatha, 11(2), 171–187. https://doi.org/10.28932/jmm.v11i2.183
  34. Sjam, A. A. (2014). Personal financial planning education for community college students: Impact evaluation. Jurnal Manajemen, 13(2), 151–162. Retrieved from http://majour.maranatha.edu/index.php/jurnal-manajemen/article/view/1232
  35. Tang, N., Baker, A., & Peter, P. C. (2015). Investigating the disconnect between financial knowledge and behavior: The role of parental influence and psychological characteristics in responsible financial behaviors among young adults. Journal of Consumer Affairs, 49(2), 376–406. https://doi.org/10.1111/joca.12069
  36. Terrell, C., & Hindle, D. (1999). Debt management and financial planning support for primary care students and residents at Boston University School of Medicine. Academic Medicine, 74(1). Retrieved from http://journals.lww.com/academicmedicine/Fulltext/1999/01000/Debt_management_and_financial_planning_support_for.45.aspx
  37. Theodora, B. D., & Marti’ah, S. (2016). The effect of family economic education towards lifestyle mediated by financial literacy. Dinamika Pendidikan, 11(1), 18–25. https://doi.org/10.15294/dp.v11i1.8697
  38. Van Campenhout, G. (2015). Revaluing the role of parents as financial socialization agents in youth financial literacy programs. Journal of Consumer Affairs, 49(1), 186–222. https://doi.org/10.1111/joca.12064
  39. Widyawati, I. (2012). Faktor-faktor yang mempengaruhi literasi finansial mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya. ASSET: Jurnal Akuntansi Dan Pendidikan, 1(1), 89–99. Retrieved from http://e-journal.unipma.ac.id/index.php/assets/article/view/527
  40. Wijayanti, Agustin, G., & Rahmawati, F. (2016). Pengaruh jenis kelamin, IPK, dan semester terhadap literasi keuangan mahasiswa Prodi S1 Ekonomi Pembangunan Universitas Negeri Malang. Jurnal Pendidikan Ekonomi, 9(1), 102–115. Retrieved from http://journal2.um.ac.id/index.php/jpe/article/view/1625