Financial Literacy Study of Urban Farmers in Makassar City
DOI:
https://doi.org/10.35877/454RI.qems1015Keywords:
Financial Literacy ; Urban FarmersAbstract
The tendency of people to make purchases without paying attention to financial principles has resulted in people being irrational in buying necessities, especially farmers in farmer women’s group Anggrek. This study aims to examine the level of financial literacy of urban farming entrepreneurs, especially in farmer women’s group Anggrek, Bara – Baraya Village, Makassar District, Makassar City. The research method used is descriptive qualitative, with data collection techniques through observation and interviews. The data analysis technique used in the research is data reduction, the next is data presentation, after that draw conclusions. The informants in this study used purpositive sampling, the informants in this study were 4 people who were farmers at farmer women’s group Anggrek. And to determine the level of financial literacy of urban farming entrepreneurs, especially in the Anggrek Women Farmer Group, there are 4 indicators studied in this study, namely 1) Knowledge of finance 2) Knowledge of Savings and Loans 3) Knowledge of Insurance and 4). Knowledge of Investment. The results of the study explain that the overall level of financial literacy of farmers in farmer women’s group Anggrek still needs to be improved, although knowledge about finance and savings, and loans is quite good, but trust and use of financial institutions, insurance and investment are still very limited. So it is necessary to increase financial literacy for farmers, especially in farmer women’s group Anggrek.
References
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Akter, S., Krupnik, T, J., Rossi, F. & Khanam, F. (2016). The Influence of Gender and Product Design on Farmers’ Preferences for Weather-Indexed Crop Insurance. Global Environmental Change, 38(1), 217–229.
Arikunto, S. (2010). Prosedur Penelitian Suatu Pendekatan Praktik, Jakarta: Rineka Cipta.
Blue, L., Grootenboer, P., & Brimble, M. (2014). Financial Literacy Education In The Curriculum: Making The Grade Or Missing The Mark?. International Review Of Economics Education, 16(1), 51-62.
Child And Youth Finance International. (2016). Training Course On: Fostering National Financial Education Strategies. Podgorica: CYFI And GIZ.
Chinen, K & Endo, H. (2012). Effect Of Attitude And Bacground On Personal Finance Ability: A Student Survey In The United State. International Journal Of Management, 29(1), 33-45.
Deng, H., Chi, L., Teng, N., Tang., & Chen, C. (2013). Influence Of Financial Literacy Of Teachers On Financial Education Teaching In Elementary School. International Journal Of E-Education, E-Business, E-Management And E-Learning, 3(1), 68-73.
Dwiastanti, A. (2015). Financial Literacy As The Foundation For Individual Financial Behavior. Journal Of Education And Practise, 6(33), 99-105.
Fahlevi, M., Yusnaidi, & Irmalis, A. (2021). Strategi Peningkatan Literasi Dan Inklusi Keuangan Bagi Jurnal Bisnis Dan Kajian Strategi Manajemen. Jurnal Bisnis Dan Kajian Strategi Manajemen, 5(2), 182–190.
Garman, E, T & Forque, R, E. (2010). Persona Finance: The Human resources manager: Caught In The Middle. CUPA Jaournal, 45(1), 33-35.
Hailwood, DWAK. (2017). Literacy And Its Role In Promoting A Sound Financial System’ Reserve Bank Of New Zealand, 70(2), 37-47.
Halim, Y. K. E., & Astuti, D. (2015). Financial Stressors, Financial Behavior, Risk Tolerance, Financial Solvency, Financial Knowlodge, Dan Kepuasaan Finansial. Finesta, 3(1), 19-23.
Hidayat, T. (2015). An Analysis of Financial Literacy and Household Saving among Fishermen in Indonesia. Mediterranean Journal of Social Sciences, 6 (5) 216-222.
Huston, S. J. (2010). Measuring Financial Literacy. The Journal Of Consumer Affairs, 44 (2), 296-316.
Indah, I., Suci (2013) Pengaruh Financial Literacy Terhadap Perilaku Konsumtif Remaja Pada Program IPS SMA Negeri 1 Surakarta Tahun Ajaran 2012/2013. Jupe UNS, 2(1), 48-58.
Indrayani, S. (2018). The Effect Of Income, Financial Knowledge, And Financial Experience Against The Behavior Of The Family Investment Planning In Sidoarjo. Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya. 1-14.
Kefela, G. T. (2010). Promoting Access To Finance By Empowering Consumers: Financial Literacy In Developing Countries. Educational Research And Reviews, 5(5), 205-212.
Laela, S. (2017). Pengaruh Financial Litercy dan Financial Experince Terhadap Perilaku Perencanaan Investasi PNS Di Kota Padang. Jurnal Pembangunan Negeri, 2(1), 61-74.
Laily, N. (2013). “Pengaruh Literasi Finansial Terhadap Perilaku Mahasiswa Dalam Mengelola Keuangan. E-Journal Universitas Negeri Malang, 1(4),1-17.
Lusardi, A., Olivia S. Mitchell & Vilsa Curto. 2010. Financial Literacy Among The Young. The Journal Of Consumer Affairs, (Online), 44 (2), 1-35.
Margaretha, Farah Dan Pambudhi, RA. 2015. Tingkat Literasi Keuangan Pada Mahasiswa S1 Fakultas Ekonomi. JMK, 17 (1), 76-85.
Mehr & Cammak. (1981). Dasar – dasar Asuransi, Balai Aksara: Jakarta.
Mendari, A, S., & Kewal, S, C. (2014). Tingkat Literasi Keuangan Di Kalangan Mahasiwa STIE MUSI, 9(2), 130-140.
Miles & Huberman. (1992). Analisis Data Kualitatif. (Diterjemahkan Oleh: Tjetjep Rohedi Rosidi). Jakarta: Universitas Indonesia.
Muskananfola, I, A. (2013). “Pengaruh Pendapatan, Konsumsi, dan Pemahaman Perencanaan Keuangan terhadap Proporsi Tabungan Rumah Tangga Kelurahan Tenggilis”. Finesta. 1(2), 61–66.
Mutiara, I., & Agustian, E. (2020). Pengaruh Financial Literacy Dan Financial Behavior Terhadap Keputusan Investasi Pada Ibu-Ibu Pkk Kota Jambi. J-Mas (Jurnal Manajemen Dan Sains), 5(2), 263.
Moleong. (2017). Metode Penelitian Kualitatif (Edisi Revisi), Bandung: Rosda.
Nurdiana, Riesso, A. S., Hasan, M., Mustari, & Nurjannah. (2021). Pkm Literasi Keuangan. Seminar Nasiona Hasil Pengabdian 2021, 866–876.
Organization For Economic Cooperation And Development (OECD). (2012). PISA 2012 Frameworks - Mathematics, Problem Solving And Financial Literacy. Paris: OECD.
Perry, VG & Morris, M.D (2015). “Who Is In Control? The Role and Income In Explaining Costumer Financia Behavour”. The Journal of Constumer Affairs, 39(2), 299-313
Purwidianti, W & Mudjiyanti, R. (2016). “Analisis Pengaruh Pengalaman Keuangan dan Tingkat Pendapatan terhadap Perilaku Keuangan Keluarga di Kecamatan Purwokerto Timur”. Jurnal Manajemen Dan Bisnis.1(2), 141–148.
Rizaldy, A. (2019). Analisis Komparatif Literasi Keuangan Petani Padi Dan Kakao Di Desa Wonualaku Kecamatan Iwoimendaa Kabupaten Kolaka. Universitas Muhammadiah Makassar.
Sarah, N. (2009). Financial Knowledge, Locus Of Control, Cultural Values And Financial Behaviour Among New Vision. A Dessertation Submitted In Partial Fulilment Of The Reaquirements For The Award Of The Degree Of Master Of Makerere University Kampala, 54.
Siow, N. (2013). Kualitas Layanan Dan Kepercayaan Pelanggan Pengaruhnya terhadap Keputusan Pembelian Sepeda Motor Suzuki Satria Fu150 Di Kota Manado. Jurnal Emba. 1(3). 1069-1078.
Shalahuddinta, A., & Susanti. (2014). Pengaruh Pendidikan Keuangan Di Keluarga, Pengalaman Bekerja, Dan Pembelajaran. Jurnal Pendidikan Akuntansi, 2(2), 1–10.
Soetiono, K, S. dan Setiawan, C. (2018). Literasi dan Inklusi Keuangan Indonesia. Depok: Rajawali Pers.
Taft, M. K., Hosein, Z. Z., Mehrizi, S. M. T., & Roshan, A. (2013). The Relation Between Financial Literacy, Financial Wellbeing and Financial Concerns. International Journal of Business and Management, 8(11), 63-75.
Taroreh, O., Rotinsulu, j, j., Wenas, R. (2015). Pengaruh Persepsi Konsumen Dan Kepercayaan Terhadap Penggunaan Jasa Asuransi Pada Asuransi Jasindo Manado, Jurnal EMBA, 3(3). 312-321.
Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Jurnal Nominal, 1(1), 11–26.
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Published
2022-08-07
How to Cite
Ayu Sasmita, F., Hasan, M. ., Kamaruddin, C. A. ., Nurdiana, & Arisah , N. (2022). Financial Literacy Study of Urban Farmers in Makassar City . Quantitative Economics and Management Studies, 3(5), 801–809. https://doi.org/10.35877/454RI.qems1015
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