Peran Literasi Keuangan dan Pemahaman Investasi dalam Membentuk Perilaku Pengelolaan Keuangan Pribadi Siswa SMK Tadika Pertiwi

Yuliana Widi Lestari; Prama Indra Ishwara

doi:10.37481/sjr.v9i4.1732

Authors

Yuliana Widi Lestari Universitas Pamulang
Prama Indra Ishwara Universitas Pamulang

DOI:

https://doi.org/10.37481/sjr.v9i4.1732

Keywords:

Financial Literacy, Investment Understanding, Financial Management Behavior, Vocational Students, Personal Finance

Abstract

Financial management is an important skill for vocational high school students, particularly as the increasing use of digital financial services provides easier access to transactions and investment while also creating risks of unplanned and consumptive spending. This study aims to examine the effects of financial literacy and investment understanding on the personal financial management behavior of students at SMK Tadika Pertiwi, both partially and simultaneously. A quantitative approach was employed using a survey method involving 74 students as respondents. The data were analyzed using multiple linear regression, including t-test and F-test. The findings indicate that financial literacy has a positive and significant effect on students’ personal financial management behavior, with a significance value of 0.041. In contrast, investment understanding has a positive but statistically insignificant effect, with a significance value of 0.051. Simultaneously, financial literacy and investment understanding have a significant effect on personal financial management behavior, as indicated by an F-value of 37.632 and a significance value of 0.000. The Adjusted R Square of 0.501 indicates that the two independent variables explain 50.1% of the variation in students’ personal financial management behavior, while the remaining 49.9% is explained by other factors outside the research model.

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