PENGARUH TINGKAT EKONOMI KELUARGA, UANG SAKU, JENIS KELAMIN DAN INDEKS PRESTASI KUMULATIF TERHADAP FINANCIAL LITERACY MAHASISWA AKUNTANSI

Abstract

Financial literacy is the ability that a person has in managing personal finances to manage the future. All people need financial literacy so that they can manage their finances well. During this covid-19 pandemic, one's ability to manage finances is very much needed because the country's economy is declining which causes one's income to decrease and causes many needs to be unfulfilled. Without a good financial understanding, a person's life will be very difficult because they cannot manage the finances they have. Financial literacy must require training from a young age, experience, and good self-control in order to be able to manage finances well.This study aims to determine whether there is an effect of gender, cumulative achievement index, family economic level, and student pocket money on the financial literacy of accounting students for the 2018-2020 class at Ciputra University Surabaya by using the Theory of Planned Behavior (TPB) approach. The population used in this study were all accounting student class 2018-2020 who had studied three courses. The subjects that are required in this research are budgeting, investment, and business mathematics. Accounting students are the target of research because it is expected that they have a good level of understanding because they have studied accounting in lectures. The data collection in this study used primary data by using a questionnaire in the form of a google form which was distributed using social media. Analysis of the data in this study using multiple linear regression with the help of SPSS Version 22. The results of this study prove that the variable gender and cumulative achievement index have a positive and significant effect on financial literacy. While the variables of family economic level and student pocket money have a negative and significant effect on financial literacy.