Siregar, Tiurliana (2023) Analisis pengaruh literasi keuangan terhadap alokasi aset di kalangan calon pensiunan pegawai di JABODETABEK. Bachelor thesis, Universitas Pelita Harapan.
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Abstract
Dewasa ini diketahui masih banyak masyarakat yang belum sepenuhnya memiliki
pemahaman tentang keuangan dimana hal ini menyebabkan masyarakat akan
mengalami kerugian suatu hari nanti, baik yang disebabkan penurunan kondisi
perekonomian global dan inflasi di masa depan ataupun disebabkan karena adanya
perkembangnya sistem ekonomi yang berdampak masyarakat menjadi cenderung
bersifat boros dan menjadi pribadi yang semakin konsumtif. Satu dari kecerdasan
yang harus dikuasai oleh pribadi modern adalah terkait kecerdasan keuangan.
Masih rendahnya pemahaman tentang literasi keuangan yang dimiliki masyarakat
saat ini, terkhusus para kalangan calon pensiunan pegawai akan berdampak dengan
bagaimana cara mereka mengalokasikan semua aset yang telah mereka dapat
selama masa usia produktif yang berguna untuk masa depan atau saat masa pensiun
kelak. Penelitian ini bertujuan untuk mengetahui tingkat literasi keuangan di
kalangan calon pensiunan pegawai di Jabodetabek dan pengaruhnya terhadap cara
pengalokasian aset. Analisis Penelitian ini menggunakan metode yang kuantitatif
dengan memperoleh data dari hasil kuesioner dengan menyebarkan pertanyaan
kepada 200 responden pegawai yang akan memasuki usia pensiun dengan rentan
usia 45-60 tahun. Kemudian data yang dikumpulkan diolah menggunakan software
SPSS, hasilnya menggambarkan tingkat literasi keuangan calon pegawai pensiunan
Sebagian masih rendah dan hal ini tidak secara khusus memiliki hubungan yang
signifikan dengan kepemilikan aset yang dimiliki calon pensiunan pegawai di
Jabodetabek. Alokasi aset yang paling banyak dimiliki calon pensiunan pegawai di
Jabodetabek adalah Real estate dan uang kas dan deposito./Today it is known that there are still many people who do not fully have an
understanding of finance where this causes people to experience losses one day,
either due to a decline in global economic conditions and inflation in the future or
due to the development of the economic system which has an impact on people who
tend to be self-centered. wasteful and become a more consumptive person. One of
the intelligences that must be mastered by modern individuals is related to financial
intelligence. The current low understanding of financial literacy in society,
especially among prospective retired employees, will have an impact on how they
allocate all the assets they have acquired during their productive age which are
useful for the future or at retirement. This study aims to determine the level of
financial literacy among prospective retired employees in Jabodetabek and its
influence on the method of allocating assets. Analysis This study uses a quantitative
method by obtaining data from the results of a questionnaire by distributing
questions to 200 employee respondents who are entering retirement age with a
range of 45-60 years of age. Then the data collected is processed usingsoftware
SPSS, the results illustrate that the financial literacy level of prospective retired
employees is still low and this does not specifically have a significant relationship
with the ownership of assets owned by prospective retired employees in
Jabodetabek. The most widely owned asset allocation for prospective retired
employees in Jabodetabek is:Real estate and cash and deposits.
Item Type: | Thesis (Bachelor) |
---|---|
Creators: | Creators NIM Email ORCID Siregar, Tiurliana 01015200014 tiurputeri@gmail.com UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email UNSPECIFIED Nugroho, Vina 0319058903 UNSPECIFIED |
Uncontrolled Keywords: | Literasi keuangan;alokasi aset;pensiunan |
Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management |
Divisions: | University Subject > Current > Faculty/School - UPH Karawaci > Business School > Management Current > Faculty/School - UPH Karawaci > Business School > Management |
Depositing User: | TIURLIANA PUTERI |
Date Deposited: | 17 Jul 2023 06:11 |
Last Modified: | 17 Jul 2023 06:11 |
URI: | http://repository.uph.edu/id/eprint/56591 |