ABSTRAK
Perencanaan keuangan merupakan sebuah proses dimana seorang individu berusaha untuk memenuhi tujuan-tujuan keuangan jangka pendek maupun jangka panjang. Perencanaan keuangan menjadi suatu topik penelitian yang sering dilakukan dikarenakan pada zaman modern dan berkembang ini manusia memiliki banyak kebutuhan dan keinginan. Tujuan penelitian ini untuk mengetahui bagaimana gambaran personal financial planning mahasiswa konsentrasi keuangan dengan konsentrasi lainnya pada mahasiswa di Program Studi S1 Manajemen Fakultas Ekonomi Universitas Kristen Maranatha. Populasi dari penelitian ini adalah mahasiswa Program Studi S1 Manajemen Fakultas Ekonomi Universitas Kristen Maranatha, dan sampel yang diambil adalah mahasiswa Program Studi S1 Manajemen Fakultas Ekonomi Universitas Kristen Maranatha yang telah mengambil konsentrasi tertentu. Hasil penelitian ini menunjukkan bahwa mahasiswa konsentrasi keuangan memiliki pengetahuan keuangan yang lebih bagus dibanding mahasiswa konsentrasi lainnya dan mahasiswa konsentrasi keuangan lebih memahami perilaku manajemen keuangan dibanding mahasiswa konsentrasi lainnya. Kata kunci: perencanaan keuangan, pengetahuan keuangan, perilaku manajemen keuangan.
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Universitas Kristen Maranatha
ABSTRACT
Financial planning is a process where an individual seeks to meet their short-term and long-term financial goals. Financial planning has become a topic of research because in a modern and developing time humans have many needs and desires. This study aims to determine personal financial planning of financial concentration students compared to other concentration students at Bachelor Program in Management, Faculty of Economics, Maranatha Christian University. The population of this study are students of Bachelor Program in Management, Faculty of Economics, Maranatha Christian University, and the samples taken are students of Bachelor Program in Management, Faculty of Economics, Maranatha Christian University who have taken certain concentrations. The result of this study indicates that financial concentration students have better financial knowledge than other concentration students and financial concentration students understand financial management better than other concentration students. Keywords: financial planning, financial knowledge, financial management behavior.
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Universitas Kristen Maranatha
DAFTAR ISI
HALAMAN JUDUL .............................................................................................. i TITLE PAGE ........................................................................................................ ii HALAMAN PERSETUJUAN ............................................................................ iii PERNYATAAN KEASLIAN KARYA TULIS SKRIPSI .................................. iv KATA PENGANTAR .......................................................................................... v ABSTRAK ........................................................................................................... vi ABSTRACT ........................................................................................................ vii DAFTAR ISI ......................................................................................................viii DAFTAR GAMBAR ........................................................................................... ix DAFTAR TABEL ................................................................................................. x DAFTAR LAMPIRAN ........................................................................................ xi BAB I PENDAHULUAN ...................................................................................... 1.1 Latar Belakang Masalah ........................................................... 1.2 Identifikasi Masalah .................................................................. 1.3 Tujuan Penelitian ...................................................................... 1.4 Manfaat Penelitian ....................................................................
1 1 5 5 5
BAB II KAJIAN PUSTAKA ................................................................................. 2.1 Teori Penunjang ........................................................................ 2.1.1 Perencanaan Keuangan ............................................. 2.1.2 Perencanaan Keuangan Pribadi ................................. 2.1.3 Perencanaan Keuangan Keluarga .............................. 2.1.4 Tabungan dan Investasi ............................................. 2.2 Rerangka Pemikiran ..................................................................
7 7 7 9 11 15 16
BAB III METODE PENELITIAN .......................................................................... 3.1 Jenis Penelitian .......................................................................... 3.2 Populasi dan Sampel Penelitian ................................................ 3.3 Teknik Pengumpulan Data ........................................................ 3.4 Sumber Data ..............................................................................
18 18 19 20 21
BAB IV HASIL PENELITIAN DAN PEMBAHASAN ......................................... 4.1 Profil Responden ....................................................................... 4.2 Financial Knowledge ................................................................ 4.3 Financial Management Behavior ..............................................
23 23 27 35
BAB V PENUTUP ................................................................................................... 5.1 Simpulan .................................................................................. 5.2 Keterbatasan Penelitian ............................................................. 5.3 Implikasi Penelitian ................................................................... 5.4 Saran .......................................................................................... DAFTAR PUSTAKA .............................................................................................
44 44 45 46 47 49
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Universitas Kristen Maranatha
LAMPIRAN ........................................................................................................... 51 CURRICULUM VITAE ......................................................................................... 62
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Universitas Kristen Maranatha
DAFTAR GAMBAR
Gambar 2.1 Rerangka Pemikiran ............................................................................ 17
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Universitas Kristen Maranatha
DAFTAR TABEL
Tabel 4.1 Tabel 4.2 Tabel 4.3 Tabel 4.4 Tabel 4.5 Tabel 4.6 Tabel 4.7 Tabel 4.8 Tabel 4.9 Tabel 4.10 Tabel 4.11 Tabel 4.12 Tabel 4.13 Tabel 4.14 Tabel 4.15 Tabel 4.16 Tabel 4.17 Tabel 4.18 Tabel 4.19 Tabel 4.20 Tabel 4.21 Tabel 4.22 Tabel 4.23 Tabel 4.24
Jenis Kelamin ...................................................................................... Bidang Konsentrasi . ............................................................................ Angkatan ............................................................................................. IPK Terakhir ....................................................................................... Total Pendapatan ................................................................................. Memiliki Pengetahuan Edukasi Finansial ........................................... Mengetahui Istilah Suku Bunga, Beban Keuangan dan Kredit .......... Mengetahui Istilah Instrumen Keuangan ............................................ Mengetahui Financial Planning ......................................................... Mengetahui Cara Mengelola Keuangan .............................................. Pengeluaran Lebih Besar dibanding Pendapatan ................................ Mengetahui Di mana Menginvestasikan Uang ................................... Sulit Membedakan Kebutuhan dan Keinginan ................................... Mengetahui Berapa Jumlah Dana yang Dibutuhkan Ketika Pensiun . Mengikuti Kondisi Perkembangan Perekonomian ............................. Mengontrol Pengeluaran ..................................................................... Membayar Tagihan Tepat Pada Waktunya ......................................... Membeli Apa yang Merupakan Prioritas ............................................ Membuat Daftar Kebutuhan dan Keinginan ....................................... Mengutamakan Kebutuhan daripada Keinginan ................................. Memiliki Tabungan untuk Keperluan Mendesak ............................... Menyimpan Uang di Bank dalam Bentuk Tabungan .......................... Membuat Perencanaan Keuangan ....................................................... Menjalankan Perencanaan Keuangan dengan Bantuan Seorang Ahli (Penasihat Pajak, Penasihat Asuransi, Penasihat Reksadana) ............ Tabel 4.25 Mencatat Pengeluaran Setiap Harinya ................................................
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Universitas Kristen Maranatha
23 24 24 25 26 27 28 29 29 30 31 31 32 33 34 35 36 37 37 38 39 40 41 42 43
DAFTAR LAMPIRAN
LAMPIRAN A LAMPIRAN B
Kurikulum Manajemen 2013 ................................................ 51 Kuesioner Penelitian .............................................................. 59
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