PERENCANAAN KEUANGAN PRIBADI: MEMAHAMI OBJEK FORMAL DAN MATERIAL DALAM KONTEKS KEHIDUPAN SEHARI-HARI
Abstract
This research highlights the importance of a holistic and interdisciplinary approach to financial education, especially for children, adolescents, and college students. Experiential learning methods have proven to be effective in improving financial literacy and behavior by practicing financial concepts in real situations. In addition, the relevant curriculum in college, which focuses on life events such as loan management, increases the effectiveness of learning. However, the limitations of this study include a reliance on secondary data and a lack of theoretical testing in various contexts. These results support the importance of developing more objective measurement methods and the relevance of a holistic approach in financial education to prepare individuals for future financial challenges.
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References
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[2] H. Ratnaningtyas, L. D. R. Bilqis, and A. Swantari, “Perencanaan Keuangan Pribadi Untuk Mahasiswa Sekolah Tinggi Ilmu Ekonomi Bisnis Indonesia,” ABDI MOESTOPO J. Pengabdi. Pada Masy., vol. 5, no. 2, pp. 141–147, 2022, doi: 10.32509/abdimoestopo.v5i2.1770.
[3] C. Afandy and F. F. Niangsih, “Literasi Keuangan Dan Manajemen Keuangan Pribadi Mahasiswa Di Provinsi Bengkulu,” Manag. Rev., vol. 2, no. 2, pp. 68–98, 2020, doi: 10.33369/tmr.v2i2.16329.
[4] J. C. Coats and V. L. Bajtelsmit, “New Insights Into Improving Financial Well-being,” SSRN Electron. J., no. 208, 2024, doi: 10.2139/ssrn.4812193.
[5] A. Lusardi and O. S. Mitchell, “The economic importance of financial literacy: Theory and evidence,” J. Econ. Lit., vol. 52, no. 1, pp. 5–44, 2014, doi: 10.1257/jel.52.1.5.
[6] S. Mirashi, I can do: Financial planning. 2010.
[7] T. A. X. Return and F. O. R. Individuals, “SARS External Guide COMPREHENSIVE GUIDE TO THE ITR12 INCOME TAX RETURN FOR INDIVIDUALS,” no. December, 2023.
[8] CEE, National Standards for Personal Financial Education by CEE. 2013. [Online]. Available: https://www.councilforeconed.org/national-standards-for-personal-financial-education/
[9] R. Qian, “Management of Personal Finances and Investment Decisions,” Adv. Econ. Manag. Polit. Sci., vol. 64, no. 1, pp. 202–212, 2023, doi: 10.54254/2754-1169/64/20231532.
[10] Harvard College, “WRITING CENTER BRIEF GUIDE SERIES A Brief Guide to Writing the Philosophy Paper,” Guid. Philos., vol. 1, no. 2, p. 7, 2019.
[11] R. Mao, “A Handbook for Personal Financial Management,” Laurea Univ. Appl. Sci. Otaniemi Bus. Manag., 2017, [Online]. Available: https://urn.fi/URN:NBN:fi:amk-201701091180
[12] M. Naeem, W. Ozuem, K. Howell, and S. Ranfagni, “A Step-by-Step Process of Thematic Analysis to Develop a Conceptual Model in Qualitative Research,” Int. J. Qual. Methods, vol. 22, pp. 1–18, 2023, doi: 10.1177/16094069231205789.
[13] Department of Education and Training Melbourne, HIGH IMPACT Excellence in Teaching and Learning Excellence in teaching and learning. 2019.
[14] World Bank, “Financial Capability Surveys Around the World Why Financial Capability is important and how surveys can help,” Financ. Capab. Surv. Around World, no. August, pp. 1–8, 2013, [Online]. Available: http://responsiblefinance.worldbank.org/~/media/GIAWB/FL/Documents/Publications/Why-financial-capability-is-important.pdf
[15] Hamed Taherdoost, “Data Collection Methods and Tools for Research; A Step-by-Step Guide to Choose Data Collection Technique for Academic and Business Research Projects,” Int. J. Acad. Res. Manag., vol. 2021, no. 1, pp. 10–38, 2021, [Online]. Available: https://hal.science/hal-03741847
[16] D. M. Samson, “Principles of management,” Mult. Myeloma Relat. Disord., pp. 203–219, 2004, doi: 10.7748/en.13.1.6.s9.
[17] C. Boop et al., AOTA-OT Practice Framework: Domain and Fourth Edition, vol. 74, no. August. 2020.
[18] P. Hancock, “The Management of Everyday Life,” Manag. Everyday Life, no. February, 2009, doi: 10.1007/978-1-137-08344-9.
[19] C. L. Chukwu, P. N. Aroh, T. O. Ozor, Amanda U., and U. L. C. Ezema, “Influence of social media usage on time management of social science education students in Nigerian tertiary institutions,” Webology, vol. 19, no. 1, pp. 1077-1095., 2022.
[20] A. Three, “EARLY LEARNING GUIDELINES FOR Ages Three through Five”.
[21] H. & C. Great Britain. Department for Levelling Up, Levelling Up the United Kingdom : missions and metrices - technical annex., no. February. 2022.
[22] C. Afrina, N. Hak, and R. Putra, “Trend Library Cafe Dalam Pengembangan Tradisi Intelektual Masyarakat Aceh,” J. Ilmu Perpust. dan Inf., vol. 8, no. 1, pp. 121–130, 2024, doi: 10.29240/tik.v.
[23] C. Afrina, “Implementasi Teknologi Informasi Untuk Meningkatkan Mutu Layanan Perpustakaan Iain Batusangkar,” Libria, vol. 11, no. 2, pp. 115–127, 2019, [Online]. Available: https://jurnal.ar-raniry.ac.id/index.php/libria/article/view/5986
[24] L. Altfest, “Personal Financial Planning: Origins, Developments and a Plan for Future Direction,” Am. Econ., vol. 48, no. 2, pp. 53–60, 2004, doi: 10.1177/056943450404800204.
[25] M.-M. Lai and W.-K. Tan, “An Empirical Analysis of Personal Financial Planning in an Emerging Economy,” Eur. J. Econ. Financ. Adm. Sci., Feb. 2009.
[26] K. H. K. Yeo, W. M. Lim, and K. J. Yii, “Financial planning behaviour: a systematic literature review and new theory development,” J. Financ. Serv. Mark., no. 0123456789, 2023, doi: 10.1057/s41264-023-00249-1.
[27] S. Jumame, “Personal Financial Planning from the Personality and Gender Perspective,” Indones. J. Sustain. Policy Technol., vol. 1, no. 2, pp. 133–150, 2023, doi: 10.61656/ijospat.v1i2.159.
[28] M. Cull and T. Sloan, “ISSUE 1 Personal Financial Planning,” Financ. Plan. Res. J., vol. 1, no. 1, pp. 12–35, 2015, [Online]. Available: https://www.griffith.edu.au/__data/assets/pdf_file/0018/205713/FPRJ-V2-ISS1-pp12-35-characteristics-of-trust-in-personal-financial-planning.pdf
[29] H. Singh, D. D. Chaturvedi, and A. Jain, “Personal Finance Management Of Indian Working Professionals: An Empirical Study,” vol. 15, no. 1, pp. 1735–188, 2018, [Online]. Available: http://www.webology.org
[30] A. Amagir, W. Groot, H. Maassen van den Brink, and A. Wilschut, “A review of financial-literacy education programs for children and adolescents,” Citizenship, Soc. Econ. Educ., vol. 17, no. 1, pp. 56–80, 2018, doi: 10.1177/2047173417719555.
[31] R. Ghasarma, L. Putri, and M. Adam, “International Journal of Economics and Financial Issues Financial Literacy; Strategies and Concepts in Understanding the Financial Planning With Self-Efficacy Theory and Goal Setting Theory of Motivation Approach,” Int. J. Econ. Financ. Issues, vol. 7, no. 4, pp. 182–188, 2017, [Online]. Available: http:www.econjournals.com
[32] H. Chenet, J. Ryan-Collins, and F. van Lerven, “Finance, climate-change and radical uncertainty: Towards a precautionary approach to financial policy,” Ecol. Econ., vol. 183, p. 106957, 2021, doi: 10.1016/j.ecolecon.2021.106957.
[33] M. Brimble and L. Blue, “A holistic approach to financial literacy education,” ACRN J. Financ. Risk Perspect., vol. 4, no. 3, pp. 34–47, 2015.
[34] R. Development, “National education policy 2020,” Econ. Polit. Wkly., vol. 55, no. 31, p. 4L, 2020, doi: 10.1201/9781003254942-12.
[35] E. Barroga and G. J. Matanguihan, “A Practical Guide to Writing Quantitative and Qualitative Research Questions and Hypotheses in Scholarly Articles,” J. Korean Med. Sci., vol. 37, no. 16, pp. 1–18, 2022, doi: 10.3346/jkms.2022.37.e121.
[36] NCERT, “National curriculum framework for foundational stage,” pp. 120–150, 2022, [Online]. Available: https://www.education.gov.in/sites/upload_files/mhrd/files/NCF-School-Education-Pre-Draft.pdf
[37] ASIC, “Financial literacy in schools: ASIC discussion paper,” Financ. Lit. Sch., no. June, 2003.
[38] M. De and D. Enseignement, “QUÉBEC EDUCATION PROGRAM Financial Education”.
[39] MoF, “Economic Survey,” Econ. Surv., pp. 1–414, 2023, [Online]. Available: https://www.taylorfrancis.com/books/9781136513947
[40] National Endowment for Financial Education, “Better Borrowing: How State-Mandated Financial Education Drives College Financing Behavior,” 2018, [Online]. Available: https://www.nefe.org/_images/research/Effects-of-K-12-Financial-Education-Mandates/Better-Borrowing-Report-MSU-Executive-Summary.pdf
[41] C. Strömbäck, “Self-Control, Financial Well-Being, and Motivated Reasoning Essays in Behavioral Finance.,” no. 793, 2020.
[42] B. Krasnoff, “Culturally Responsive Teaching: A Guide to Evidence-Based Practices for Teaching All Students Equitably,” Reg. X Equity Assist. Cent. Educ. Northwest, pp. 30–50, 2016.
Published
2024-11-25
How to Cite
PARAMITA, Gemala; MUSQARI, Nurul.
PERENCANAAN KEUANGAN PRIBADI: MEMAHAMI OBJEK FORMAL DAN MATERIAL DALAM KONTEKS KEHIDUPAN SEHARI-HARI.
Journal of Information System, Applied, Management, Accounting and Research, [S.l.], v. 8, n. 4, p. 895-911, nov. 2024.
ISSN 2598-8719.
Available at: <https://journal.stmikjayakarta.ac.id/index.php/jisamar/article/view/1508>. Date accessed: 12 dec. 2024.
doi: https://doi.org/10.52362/jisamar.v8i4.1508.
Section
Articles
This work is licensed under a Creative Commons Attribution 4.0 International License.
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