PERSONAL FINANCIAL ATTITUDE AND PERSONAL FINANCIAL BEHAVIOR OF PT. GAJAH MADA SARANA’S EMPLOYEES

• Main Author: Dwi Purnama 29116142, Vanny
• Format: Theses
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/31446
• Institution: Institut Teknologi Bandung

Background: Garman & Forgue (2010) Financial literacy is the knowledge of the underlying <br /> <br /> facts, concepts, principles and technological tools for intelligent use of money. Increased <br /> <br /> financial literacy will automatically increase the use, utilization or inclusion of financial <br /> <br /> products and services themselves. President Jokowi targets financial inclusion to increase to <br /> <br /> 75% at the end of 2019. Research conducted in one of construction company in South Sumatera <br /> <br /> aims to find the correlation between financial attitudes and behavior towards financial literacy <br /> <br /> index of employees and see how they take advantage of loans from the company related to <br /> <br /> their financial attitudes and behavior. <br /> <br /> Results: Both questionnaires are distributed to 100 employees of PT. Gajah Mada Sarana then <br /> <br /> processed and analyzed using multiple linear regression. financial attitude and behavior <br /> <br /> simultaneously have strong relationship with financial literacy index, partially, there is <br /> <br /> significant impact between saving activity, media payment, counting ability, and financial <br /> <br /> resilience period to financial literacy index of employee. <br /> <br /> Conclusions: PT. Gajah Mada Sarana employee’s financial literacy index is amounted of <br /> <br /> 29,75% less literate. Seeing the respondent’s answers about loan reflected in the financial <br /> <br /> literacy index, employees of PT. Gajah Mada Sarana is not included in the well-literate group <br /> <br /> because they cannot manage the finances they have so far maximally so that make loans from <br /> <br /> the company and at the same time they have difficulty in it return.