PENGARUH GENDER DAN TINGKAT PENDAPATAN TERHADAP FINANCIAL LITERACY MASYARAKAT DI KARESIDENAN MADIUN

Devi Citra Mayasari, Rollis Ayu Ditasari

Abstract


This study aims to examine the influence of gender and income level on financial literacy among the community in the Madiun Residency. Financial literacy is the individual's ability to effectively manage personal finances and make wise financial decisions. The study employs a quantitative method using primary data obtained through questionnaires distributed to 385 The respondents in this study consisted of males and females aged 22 to 64 years. The data were analyzed using multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination to evaluate the partial and significant effects of the independent variables (gender and income level) on the dependent variable (financial literacy). The study's findings indicate that gender has a partial and significant effect on financial literacy, as demonstrated by the t-test and multiple linear regression results, with a significance level of 0.000. Furthermore, income level also has a significant impact on financial literacy, as evidenced by the t-test and multiple linear regression results with a significance of 0.000. Both variables jointly influence financial literacy, as shown by the F-test results with a significance of 0.000. These findings are expected to serve as a reference for the government and related institutions in developing more inclusive financial literacy improvement strategies, helping to reduce the financial literacy gap and enhance the financial well-being of the community in the Madiun Residency.

Keywords: Financial Literacy, Gender, Income Level, Madiun

 


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