Mixed method dalam memprediksi perilaku keuangan perempuan pesisir Nusa Penida, Bali

Jurnal Penelitian Pendidikan Indonesia July 28, 2024 Volume 10, Number 3 3 authors

Abstract

Peran perempuan pesisir dalam mengelola keuangan rumah tangga memang sangat penting dan dapat memberikan kontribusi besar dalam menciptakan keluarga yang sejahtera. Perilaku keuangan seseorang dipengaruhi oleh berbagai faktor seperti locus of control, pendapatan, religiusitas, dan hedonisme. Penelitian ini bertujuan untuk menganalisis perilaku keuangan perempuan pesisir Nusa Penida Bali yang dimoderasi oleh literasi keuangan dengan menggunakan metode Mixed Method dengan pengumpulan data melalui observasi, dokumentasi dan wawancara, . Hasil penelitian menunjukkan bahwa perilaku hedonisme tidak memiliki pengaruh terhadap perilaku keuangan perempuan pesisir Nusa Penida. Hal ini disebebkan karena lokasi Nusa Penida yang jauh dari sarana dan prasarana yang mendukung sikap hedonisme di kalangan perempuan pesisir. Penelitian ini juga menemukan bahwa locus of control dan religiusitas berpengaruh terhadap perilaku keuangan perempuan pesisir Nusa Penida, akan tetapi tidak dimoderasi literasi keuangan.

Authors

  1. Eka Putri Suryantari

    Universitas Dhyana Pura, Bali

  2. Luh Diah Citra Resmi Cahyadi

    Universitas Dhyana Pura, Bali

  3. I Wayan Suarjana

    Universitas Dhyana Pura, Bali

Keywords

ReligiusitasHedonismeLocus of controlLiterasi KeuanganPerilaku

References

  1. Agustina, C. T. (2021). The Influence of Hedonism, Financial Literacy and Religiosity on Student Consumptive Behavior from an Islamic Economic Perspective (Study of Sharia Economics Study Program Students at Ar-Raniry State Islamic University, Banda Aceh). UIN AR-RANIRY.
  2. Ahmad, A. (2019). The Impact of Locus of Control, Financial Attitudes, Income, and Religiosity on Financial Behavior. Management and Accounting Expose, 2(2), 105-115.
  3. https://doi.org/10.36441/mae.v2i2.102
  4. Baker, H. K., & Nofsinger, J. R. (2010). Behavioral Finance: An Overview. In Behavioral finance: Investors, corporations, and markets / H. Kent Baker and John R. Nofsinger, editors. P. Cm. - (The Robert W. Kolb series in finance) Includes index. ISBN 978-0-470-49911-5 (cloth); ISBN 978-0-470-76966-9 (ebk); ISBN 978-0-470-76967-6 (p. 18). Published by John Wiley & Sons, Inc., Hoboken, New Jersey. Published simultaneously in Canada.
  5. https://doi.org/10.1002/9781118258415
  6. BPS Klungkung. (2022). Jumlah Penduduk Menurut Kelompok Umur dan Jenis Kelamin di Kabupaten Klungkung (Jiwa), 2020-2021. https://klungkungkab.bps.go.id/indicator/12/155/1/jumlah-penduduk-menurut-kelompok-umur-dan-jenis-kelamin-di-kabupaten-klungkung.html
  7. Defiansih, D. D. (2021). The Influence of Religiosity, Family Education, and Financial Socialization on Sharia Financial Literacy with Intellectual Intelligence as a Moderating Variable. Journal of Economics and Education, 18(1), 34-51.
  8. detikcom, K. (16/3). (2023). Istri Pamer Hedon Viral, Pejabat KPK Dipanggil untuk Diklarifikasi. https://www.detik.com/jateng/berita/d-6631033/istri-pamer-hedon-viral-pejabat-kpk-dipanggil-untuk-diklarifikasi
  9. Dewi, N. L. P. K., Gama, A. W. S., & Astiti, N. P. Y. (2021). The influence of financial literacy, hedonistic lifestyle, and income on the financial management of Unmas students. Emas, 2(3).
  10. Drolet, A., Luce, M. F., Jiang, L., Rossi, B. C., & Hastie, R. (2021). The Preference for Moderation Scale. Journal of Consumer Research, 47(6), 831-854. https://doi.org/10.1093/jcr/ucaa042
  11. https://doi.org/10.1093/jcr/ucaa042
  12. Eggers del Campo, I., & Steinert, J. I. (2022). The Effect of Female Economic Empowerment Interventions on the Risk of Intimate Partner Violence: A Systematic Review and Meta-Analysis. Trauma, Violence, & Abuse, 23(3), 810-826. https://doi.org/10.1177/1524838020976088
  13. https://doi.org/10.1177/1524838020976088
  14. PMid:33287669
  15. Ezati Rad, R., Mohseni, S., Kamalzadeh Takhti, H., Hassani Azad, M., Shahabi, N., Aghamolaei, T., & Norozian, F. (2021). Application of the protection motivation theory for predicting COVID-19 preventive behaviors in Hormozgan, Iran: A cross-sectional study. BMC Public Health, 21(1), 466. https://doi.org/10.1186/s12889-021-10500-w
  16. https://doi.org/10.1186/s12889-021-10500-w
  17. PMid:33685426
  18. Fadhilah, S. H. (2022). The Influence of a Hedonistic Lifestyle, Peers, Financial Literacy, Financial Education in the Family and Spiritual Intelligence on Students' Personal Financial Management.
  19. Hess, D. W. (2012). The impact of religiosity on personal financial decisions.
  20. Husserl, E. (1970). The crisis of European sciences and transcendental phenomenology: An introduction to phenomenological philosophy. Northwestern University Press.
  21. Jamiil, S. O. F. C. (2022). PThe Mediating Role of Financial Literacy on the Influence of Religiosity on Financial Behavior Among Muslim Women Activists (Case Study of Padafatayat Nu and Nasyiatul Aisyiah Diy).
  22. Jannah, N. I. (2018). The Influence of Locus of Control, Financial Attitude, Income and Religiosity on the Financial Behavior of Muhammaddiyah Members in Bantaeng Regency. Islamic State of Alauddin Makassar.
  23. Karakara, A. A.-W., Sebu, J., & Dasmani, I. (2021). Financial literacy, financial distress and socioeconomic characteristics of individuals in Ghana. African Journal of Economic and Management Studies, 13(1), 29-48. https://doi.org/10.1108/AJEMS-03-2021-0101
  24. https://doi.org/10.1108/AJEMS-03-2021-0101
  25. Lailiyah, E. H., Dewi, A., Shidiq, Y., & Lestari, D. (2022). Prediction of Financial Behavior with Financial Literacy as a Moderating Variable in Muhammadiyah Religious Organizations in Indonesia. Journal of Accounting Science/Jas. Umsida. Ac. Id/Index. Php/Jas January, 6(1), 84.
  26. Ljubičić, M., Sarić, M. M., Klarin, I., Rumbak, I., Barić, I. C., Ranilović, J., EL-Kenawy, A., Papageorgiou, M., Vittadini, E., Bizjak, M. Č., & Guiné, R. (2022). Motivation for health behaviour: A predictor of adherence to balanced and healthy food across different coastal Mediterranean countries. Journal of Functional Foods, 91, 105018. https://doi.org/10.1016/j.jff.2022.105018
  27. https://doi.org/10.1016/j.jff.2022.105018
  28. Manik, Y. M., & Dalimunthe, M. B. (2019). Financial literacy and its influence on student hedonism. PROMOSI (Jurnal Pendidikan Ekonomi), 7(2).
  29. https://doi.org/10.24127/pro.v7i2.2681
  30. Panwanitdumrong, K., & Chen, C.-L. (2021). Investigating factors influencing tourists' environmentally responsible behavior with extended theory of planned behavior for coastal tourism in Thailand. Marine Pollution Bulletin, 169, 112507. https://doi.org/10.1016/j.marpolbul.2021.112507
  31. https://doi.org/10.1016/j.marpolbul.2021.112507
  32. PMid:34029800
  33. Perry, V. G., & Morris, M. D. (2005). Who Is in Control? The Role of Self-Perception, Knowledge, and Income in Explaining Consumer Financial Behavior. Journal of Consumer Affairs, 39(2), 299-313.
  34. https://doi.org/10.1111/j.1745-6606.2005.00016.x
  35. Pratama, M. D. (2017). The Role of Accounting in Determining Strategies for Managing Household Finances (Phenomenon among Housewives in Surabaya). STIE PERBANAS SURABAYA.
  36. Putri, E. D. (2022). The Influence of Personality Attitudes, Religiosity, and Lifestyle on the Financial Behavior of the Millennial Generation with Financial Distress as a Moderator Variable. Hayam Wuruk University Perbanas Surabaya.
  37. Putri, N. K. D. J., Dewi, A. Y., Angela, N. A. T., & Hardika, I. R. (2020). Gaya Hidup Hedonisme Remaja di Kawasan Legian, Kabupaten Badung. Jurnal Psikologi MANDALA, 3(1).
  38. https://doi.org/10.36002/jpm.v3i1.1080
  39. Rahmah, S. (2014). Patterns of family financial management among housewives (study of housewives who work as cleaning services at UIN Sultan Syarif Kasim Riau). Marwah: Journal of Women, Religion and Gender, 13(1), 132-152.
  40. https://doi.org/10.24014/marwah.v13i1.885
  41. Ricciardi, V., & Simon, H. (2000). What is Behavioral Finance? Business, Education and Technology Journal, 1-9.
  42. Ritakumalasari, N., & Susanti, A. (2021). Financial Literacy, Lifestyle, Locus of Control, and Parental Income on Student Financial Behavior. Journal of Management Science, 9(4), 1440-1450.
  43. https://doi.org/10.26740/jim.v9n4.p1440-1450
  44. Rotter, J. B. (1966). Generalized expectancies for internal versus external control of reinforcement. Psychological Monographs: General and Applied, 80(1), 1.
  45. https://doi.org/10.1037/h0092976
  46. PMid:5340840
  47. Septika, L., Pitoewas, B., & Yanzi, H. (2014). The Relationship between the Entry of Foreign Tourists and the Hedonistic Lifestyle of Adolescents on the West Coast. Journal of Democratic Culture, 2(2).
  48. Setianingsih, E. S. (2019). Wabah gaya hidup hedonisme mengancam moral anak. Malih Peddas (Majalah Ilmiah Pendidikan Dasar), 8(2), 130.
  49. https://doi.org/10.26877/malihpeddas.v8i2.2844
  50. Shalsabila, S., & Gunawan, E. (2022). Determination of Financial Literacy and Its Influence on Family Financial Behavior in Banda Aceh City. Islamic Economics Student Scientific Journal, 4(1), 41-51.
  51. Shirane, Y., Jimbo, M., Yamanaka, M., Nakanishi, M., Mori, F., Ishinazaka, T., Sashika, M., Tsubota, T., & Shimozuru, M. (2021). Dining from the coast to the summit: Salmon and pine nuts determine the summer body condition of female brown bears on the Shiretoko Peninsula. Ecology and Evolution, 11(10), 5204-5219. https://doi.org/10.1002/ece3.7410
  52. https://doi.org/10.1002/ece3.7410
  53. PMid:34026001
  54. Soares, J., Miguel, I., Venâncio, C., Lopes, I., & Oliveira, M. (2021). Public views on plastic pollution: Knowledge, perceived impacts, and pro-environmental behaviours. Journal of Hazardous Materials, 412, 125227. https://doi.org/10.1016/j.jhazmat.2021.125227
  55. https://doi.org/10.1016/j.jhazmat.2021.125227
  56. PMid:33951864
  57. Suryantari, E. P., & Gayatri, G. (2022). Self Control in Savings (A Literature Review). Budapest International Research and Critics Institute-Journal (BIRCI-Journal), 5(3).
  58. Suryantari, E. P., & Patni, N. L. P. S. S. (2021). The Influence of Knowledge, Experience, Attitudes and Education Level on Family Financial Management Behavior Facing the Impact of the Pandemic. National Scientific Seminar on Technology, Science and Social Humanities (SINTESA), 3.
  59. https://doi.org/10.36002/snts.v0i0.1277
  60. Thaler, R. (1999). The End of Behavioral Finance: Why Behavioral Finance Cannot Be Dismissed. Financial Analysts Journal, 55(6), 12-17.
  61. https://doi.org/10.2469/faj.v55.n6.2310
  62. Tim Wolipop. (2023). Heboh Gaya Mewah Istri Petinggi BPN, Bajunya Disebut Seharga Rp. 200 Juta. Wolipop.Detik.Com , Minggu 12 Maret 2023. https://wolipop.detik.com/fashion-news/d-6614998/heboh-gaya-mewah-istri-petinggi-bpn-bajunya-disebut-seharga-rp-200-juta
  63. Wibowo, S. K. F. (2017). Application of Accounting in the Household (Phenomenological Study of Housewives in Keboan Anom Village, Sidoarjo Regency). STIE PERBANAS SURABAYA.
  64. Widana, I. G. K. (2018). Hindu Ritual Activities, Between Identity Reproduction and Religiosity. Dharmasmriti: Journal of Religion and Culture, 18(2), 1-8.
  65. https://doi.org/10.32795/ds.v9i2.141
  66. Windasari, N. A., & Albashrawi, M. (2020). Behavioral routes to loyalty across gender on m-banking usage. Review of International Business and Strategy, 31(3), 339-354. https://doi.org/10.1108/RIBS-06-2020-0073
  67. https://doi.org/10.1108/RIBS-06-2020-0073