Correlation Between Financial Behavior Education: An Analysis of the Community in Bajuin District, Tanah Laut Regency

Authors

  • Erissa Nilasari UIN Antasari Banjarmasin
  • Rohana Faridah Fakultas Ekonomi dan Bisnis Islam UIN Antasari

DOI:

https://doi.org/10.18592/taradhi.v15i1.15931

Keywords:

Education, Financial Behavior, Financial Services Authority (OJK), Correlation

Abstract

Knowledge of financial institutions, especially regarding how to use financial institutions services, knowledge about the importance of making short and long-term financial savings, and how to manage expenditures are some of the aspects expected by the community through financial education programs by disseminating information about financial services institutions. This study seeks to find a correlation (relationship) in the implementation of education from the Financial Services Authority (OJK) with the financial behavior of the people in Bajuin District, Tanah Laut Regency. Data collection techniques using questionnaires and field observations with purposive sampling method and the number of respondents as many as 50 people spread across six villages. Data analysis techniques used the Pearson correlation method. The results showed that the implementation of education from the Financial Services Authority (OJK) had a positive correlation (amounting to 0.401) with the financial behavior of the people in the Bajuin District. However, the correlation is classified as weak.   Pengetahuan akan lembaga keuangan, khususnya mengenai bagaimana memanfaatkan jasa lembaga keuangan, pengetahuan mengenai pentingnya membuat simpanan keuangan jangka pendek dan jangka panjang, serta bagaimana mengelola pengeluaran merupakan beberapa aspek yang diharapkan akan dimiliki oleh masyarakat melalui program edukasi keuangan dengan cara sosialisasi mengenai lembaga jasa keuangan. Penelitian ini berusaha untuk mencari korelasi (hubungan) pelaksanaan edukasi dari Otoritas Jasa Keuangan (OJK) dengan perilaku keuangan masyarakat di Kecamatan Bajuin, Kabupaten Tanah Laut. Teknik pengumpulan data menggunakan kuesioner dan observasi lapangan dengan metode purposive sampling serta jumlah responden sebanyak 50 orang yang tersebar di enam desa. Teknik analisa data menggunakan metode korelasi Pearson. Hasil penelitian menunjukkan bahwa pelaksanaan edukasi dari Otoritas Jasa Keuangan (OJK) mempunyai korelasi yang positif (sebesar 0,401) dengan perilaku keuangan masyarakat di Kecamatan Bajuin. Namun, korelasinya tergolong lemah.

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Published

2025-02-28