The Effect of Financial Literacy, Economic Literacy, and Entrepreneurial Literacy on Entrepreneurial Behavior

Susanti Susanti(1), Reza Ayu Palupi(2), Ernanda Nur Hamidah(3),

DOI: https://doi.org/10.15294/dp.v17i2.37926


(1) Universitas Negeri Surabaya
(2) Universitas Negeri Surabaya
(3) Universitas Negeri Surabaya

Abstract

This study aimed to determine the effect of economic literacy, financial literacy, and entrepreneurial literacy on entrepreneurial behavior for State High School Students in Surabaya. This study used quantitative research with population of class XI and XII students from several of all public schools in Surabaya. Sampling used purposive samples with 50 respondents. Data collection techniques used questionnaires and tests and used descriptive analysis techniques and multiple linear regression analysis with classical assumption test, namely normality test, multicollinearity test, heteroscedasticity test by using SPSS. The results of this study are (1) economic literacy, financial literacy, and entrepreneurial literacy had a simultaneous effect on entrepreneurial behavior with F-count of 29.925 > F-table 2.73 and a significance of 0.000 < 0.05. (2) Economic literacy partially had a significant effect on the entrepreneurial behavior of public high school students in Surabaya. (3) Financial literacy did not partially affect the entrepreneurial behavior of State Senior High School students in Surabaya. (4) entrepreneurial literacy partially had a significant effect on the entrepreneurial behavior of state high school students in Surabaya. Based on the conclusions above, researchers provide suggestions in the form of support so that in the future students are able to manage finances wisely, students continue to deepen their knowledge of finance, economics and entrepreneurship from various sources so that they can improve entrepreneurial behavior and further researchers are expected to be able to develop similar research by adding other independent variables and adding moderating variables with the hope can provide more accurate results regarding entrepreneurial behavior.

Keywords

Economic Literacy; Entrepreneurial Behavior; Entrepreneurship Literacy; Financial Literacy; Senior High School

Full Text:

PDF

References

Adel, B., & Mariem, T. (2013). The Impact of Overconfidence on Investors’ Decisions. Business and Economic Research, 3(2), 53. https://doi.org/10.5296/ber.v3i2.4200

Agusmiati, D., & Wahyudin, A. (2019). Pengaruh Lingkungan Keluarga, Pengetahuan Kewirausahaan, Kepribadian, Dan Motivasi, Terhadap Minat Berwirausaha Dengan Self Efficacy Sebagai Variabel Moderating. Economic Education Analysis Journal, 7(3), 878–893. https://doi.org/10.15294/eeaj.v7i3.28317

Alfionita, F., Hasan, M., Nurdiana, N., Tahir, T., & Dinar, M. (2020). Pengaruh Literasi Kewirausahaan Terhadap Perilaku Berwirausaha Mahasiswa Pelaku Usaha Pada Program Studi Pendidikan Ekonomi Fakultas Ekonomi. Indonesian Journal of Social and Education Studies, 1(2), 87–98. http://103.76.50.195/ijses/article/view/18150

Andarsari, P. R., & Ningtyas, M. N. (2019). The Role of Financial Literacy on Financial Behavior. Jabe (Journal of Accounting and Business Education), 4(1), 24. https://doi.org/10.26675/jabe.v4i1.8524

Anita, Mashudi, N. A. (2021). Pengaruh Literasi Ekonomi Terhadap Perilaku Konsumsi Mahasiswa Pendidikan Ekonomi Fkip Untan. Jurnal Pendidikan Dan Pembelajaran, 3(3), 1–8.

Aren, S., & Aydemir, S. D. (2015). The Factors Influencing Given Investment Choices of Individuals. Procedia - Social and Behavioral Sciences, 210, 126–135. https://doi.org/10.1016/j.sbspro.2015.11.351

Arifin, M. B., & Prasetyo, A. B. (2018). Factors Influencing in the Fraudulent Financial Reporting. Jurnal Dinamika Akuntansi, 10(2), 99–112.

Aulia, N. A., Hasan, M., Dinar, M., Supatminingsih, T., Ekonomi, F., & Makassar, U. N. (2021). Kajian Literasi Kewirausahaan dan Literasi Digital Pasar Baru Kabupaten Bantaeng ini menjadi. 8, 16–28.

Aulianingrum, R. D., & Rochmawati. (2021). Pengaruh Literasi Keuangan, Status Sosial Ekonomi Orang Tua, Dan Gaya Hidup Terhadap Pengelolaan Keuangan Pribadi Siswa. Jurnal Pendidikan Ekonomi: Jurnal Ilmiah Ilmu Pendidikan, Ilmu Ekonomi, Dan Ilmu Sosial, 15(2), 198–206. https://doi.org/10.19184/jpe.v15i2.24894

Carvalho, A. R., & Santos, C. (2022). Developing peer mentors’ collaborative and metacognitive skills with a technology-enhanced peer learning program. Computers and Education Open, 3, 100070. https://doi.org/10.1016/j.caeo.2021.100070

Chen, E., & Ye, Z. (2021). Identifying the nonlinear relationship between free-floating bike sharing usage and built environment. Journal of Cleaner Production, 280, 124281. https://doi.org/10.1016/j.jclepro.2020.124281

Deb, R. (2020). Financial Literacy : A Brief Systematic Literature Review. Nmims Journal of Economics and Public Policy, V(2), 60–71.

Fadila, N., Goso, G., Hamid, R. S., & Ukkas, I. (2022). Pengaruh Literasi Keuangan, Financial Technology, Persepsi Risiko, dan Locus of Control Terhadap Keputusan Investasi Pengusaha Muda. Owner, 6(2), 1633–1643. https://doi.org/10.33395/owner.v6i2.789

Farooq, A., & Sajid, M. (2015). Factors Affecting Investment Decision Making: Evidence from Equity Fund Managers and Individual Investors in Pakistan. Research Journal of Finance and Accounting ISSN 2222 - 1697 (Paper) ISSN 2222 - 2847 (Online) Vol. 6, No. 9, pp. 135-141. Research Journal of Finance and Accounting, 6(9), 2222–1697. http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.1091.8340&rep=rep1&type=pdf

Fridana, I. O., & Asandimitra, N. (2020). Analisis Faktor Yang Memengaruhi Keputusan Investasi (Studi Pada Mahasiswi Di Surabaya). Jurnal Muara Ilmu Ekonomi Dan Bisnis, 4(2), 396. https://doi.org/10.24912/jmieb.v4i2.8729

Hardilawati, W. laura. (2020). Strategi Bertahan UMKM di Tengah Pandemi Covid-19. Jurnal Akuntansi Dan Ekonomika, 10(1), 89–98. https://doi.org/10.37859/jae.v10i1.1934

Hasan, M., Santoso, I., Syahfitri, D., & Karoma, S. (2021). Literasi Kewirausahaan dan Literasi Bisnis Digital Pada Generasi Milenial Pelaku Usaha: Perspektif Kirzerian Entrepreneur. Journal of Business Management Education |, 6(1), 28–39.

Lusardi, A. (2019). Financial literacy and the need for financial education: evidence and implications. Swiss Journal of Economics and Statistics, 155(1), 1–8. https://doi.org/10.1186/s41937-019-0027-5

Mahendra, T., & Prasetyo, A. H. (2021). Pengaruh Literasi Keuangan terhadap Keputusan Investasi The Jak Mania pada Rencana Initial Public Offering PT. Persija Jakarta. Journal of Management and Business Review, 18(2), 449–463. https://doi.org/10.34149/jmbr.v18i2.289

Muntahanah, S., Cahyo, H., Setiawan, H., & Rahmah, S. (2021). Literasi Keuangan, Pendapatan dan Gaya Hidup terhadap Pengelolaan Keuangan di Masa Pandemi. Jurnal Ilmiah Universitas Batanghari Jambi, 21(3), 1245. https://doi.org/10.33087/jiubj.v21i3.1647

Nasihah, D., & Listiadi, A. (2019). Pengaruh Pembelajaran Akuntansi Keuangan, Literasi Keuangan, Dan Kontrol Diri Terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi Universitas Negeri Surabaya. Jurnal Pendidikan Akuntansi (JPAK) UNESA, 7(3), 336–341.

Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Otoritas Jasa Keuangan, 1–99.

Pandey, S., Shetty, A., Hamilton, M., Bhattacharya, S., & Maheshwari, A. (2012). Obstetric and perinatal outcomes in singleton pregnancies resulting from ivf/icsi: A systematic review and meta-analysis. Human Reproduction Update, 18(5), 485–503. https://doi.org/10.1093/humupd/dms018

Raharja, S., & Liany, D. (2020). Factors Affecting Accounting Students In Choosing Accounting Career Path. Jurnal Dinamika Akuntansi, 12(2), 100–113. https://doi.org/10.15294/jda.v12i2.24169

Rahmawati, A., & Soeprajitno, R. R. W. N. (2022). Chief Financial Officer Educational Background and Company Performance. Jurnal Dinamika Akuntansi, 14(1), 44–53. https://doi.org/10.15294/jda.v14i1.34471

Rohayati, C. C. & S. (2015). Pengaruh Pendidikan Keuangan di Keluarga, Sosial Ekonomi Orang Tua, Pengetahuan Keuangan, Kecerdasan Spiritual, dan Teman Sebaya Terhadap Manajemen Keuangan Pribadi Mahasiswa S1 Pendidikan Akuntansi Fakultas Ekonomi Universitas Negeri Surabaya. Jurnal Pendidikan Akuntansi (JPAK), 3(2), 3.

Sari, M. P., Pratama, F. N. A., Raharja, S.-, Yuyetta, E. N. A., & Widhiastuti, R.-. (2022). Company Size As a Moderating Variable on Enterprise Risk Management Disclosure of Banking Companies in Indonesia. Jurnal Dinamika Akuntansi, 14(1), 76–88. https://doi.org/10.15294/jda.v14i1.35621

Shao, F. (2022). New energy industry financial technology based on machine learning to help rural revitalization. Energy Reports, 8, 13970–13978. https://doi.org/10.1016/j.egyr.2022.10.001

Virga, R. L. (2017). Literasi Iklan Rokok Dan Perilaku Konsumtif Remaja Melalui Pemberdayaan Remaja Masjid. Profetik: Jurnal Komunikasi, 9(2), 33. https://doi.org/10.14421/pjk.v9i2.1201

Yolanda, Y., & Tasman, A. (2020). Pengaruh Financial Literacy dan Risk Perception terhadap Keputusan Investasi Generasi Millennial Kota Padang. Jurnal Ecogen, 3(1), 144. https://doi.org/10.24036/jmpe.v3i1.8533

Refbacks

  • There are currently no refbacks.


Bookmark and Share


Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.