ANALISIS PENGARUH PENDAPATAN DAN LITERASI KEUANGAN TERHADAP KESEJAHTERAAN MASYARAKAT DI KELURAHAN PADARNI DISTRIK MANOKWARI BARAT KABUPATEN MANOKWARI
Keywords:
Pendapatan, Literasi Keuangan,, Kesejahteraan Masyarakat.Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh Pendapatan dan Literasi Keuangan Terhadap Kesejahteraan Masyarakat Di Kelurahan Padarni Distrik Manokwari Barat Kabupaten Manokwari. Populasi dalam penelitian ini adalah masyarakat di kelurahan padarni. Berdasarkan teknik sampling insidental dengan menggunakan rumus slovin dalam perhitungan sampel maka total sampel yang diperoleh sebesar 100 orang. Metode yang digunakan dalam penelitian ini adalah metode analisis kuantitatif dengan analisis regresi linear berganda dengan bantuan SPSS Versi 25. Jenis data yang digunakan dalam penelitian ini adalah data sekunder yang bersumber dari Badan Pusat Statistik dan Dukcapil di Kabupaten Manokwari dan Data Primer yang dikumpulkan melalui kusioner dengan menyerbarkan secara langsung dilapangan.
Hasil penelitian menunjukkan bahwa secara Parsial variabel Pendapatan berpengaruh positif dan siginifikan terhadap Kesejahteraan Masyarakat Di kelurahan Padarni dan Variabel Literasi keuangan berpengaruh positif dan signifikan Terhadap Kesejahteraan Masyarakat Di Kelurahan Padarni. Dan secara simultan variabel Pendapatan dan Literasi Keuangan secara bersama-sama berpengaruh signifikan Terhadap Kesejahteraan Masyarakat Di Kelurahan Padarni.
References
A. K. Abdulhakeem, “Revisiting the nexus between governance and poverty in Sub‐Saharan Africa,” Poverty & Public Policy, vol. 16, no. 3, pp. 273–294, Sep. 2024, doi: 10.1002/pop4.414.
E. A. Etuk and J. O. Ayuk, “Agricultural commercialisation, poverty reduction and pro-poor growth: evidence from commercial agricultural development project in Nigeria,” Heliyon, vol. 7, no. 5, p. e06818, May 2021, doi: 10.1016/j.heliyon.2021.e06818.
G. Gamboa, S. Mingorría, and A. Scheidel, “The meaning of poverty matters: Trade-offs in poverty reduction programmes,” Ecol. Econ., vol. 169, p. 106450, Mar. 2020, doi: 10.1016/j.ecolecon.2019.106450.
A. Antoniades, I. Widiarto, and A. S. Antonarakis, “Financial crises and the attainment of the SDGs: an adjusted multidimensional poverty approach,” Sustain. Sci., vol. 15, no. 6, pp. 1683–1698, Nov. 2020, doi: 10.1007/s11625-019-00771-z.
Bappenas, “Laporan Pembangunan Nasional,” 2024, Badan Perencanaan Pembangunan Nasional (Bappenas). [Online]. Available: https://www.bappenas.go.id/
B. P. S. Papua, “Statistik Kesejahteraan Papua 2024,” 2024, Badan Pusat Statistik Papua. [Online]. Available: https://www.bps.go.id/
R. Osabohien, O. Matthew, P. Ohalete, and E. Osabuohien, “Population–Poverty–Inequality Nexus and Social Protection in Africa,” Soc. Indic. Res., vol. 151, no. 2, pp. 575–598, Sep. 2020, doi: 10.1007/s11205-020-02381-0.
W. Li et al., “Nexus between energy poverty and energy efficiency: Estimating the long-run dynamics,” Resour. Policy, vol. 72, p. 102063, Aug. 2021, doi: 10.1016/j.resourpol.2021.102063.
E. B. Barbier and J. C. Burgess, “Sustainable development goal indicators: Analyzing trade-offs and complementarities,” World Dev., vol. 122, pp. 295–305, Oct. 2019, doi: 10.1016/j.worlddev.2019.05.026.
M. Pomati and S. Nandy, “Measuring Multidimensional Poverty According to National Definitions: Operationalising Target 1.2 of the Sustainable Development Goals,” Soc. Indic. Res., vol. 148, no. 1, pp. 105–126, Feb. 2020, doi: 10.1007/s11205-019-02198-6.
R. Bray, M. de Laat, X. Godinot, A. Ugarte, and R. Walker, “Realising poverty in all its dimensions: A six-country participatory study,” World Dev., vol. 134, p. 105025, Oct. 2020, doi: 10.1016/j.worlddev.2020.105025.
S. Alkire, C. Oldiges, and U. Kanagaratnam, “Examining multidimensional poverty reduction in India 2005/6–2015/16: Insights and oversights of the headcount ratio,” World Dev., vol. 142, p. 105454, Jun. 2021, doi: 10.1016/j.worlddev.2021.105454.
B. Decerf, “Combining absolute and relative poverty: income poverty measurement with two poverty lines.,” Soc. Choice Welfare, vol. 56, no. 2, pp. 325–362, Feb. 2021, doi: 10.1007/s00355-020-01279-7.
M. Saito, N. Kondo, T. Oshio, T. Tabuchi, and K. Kondo, “Relative Deprivation, Poverty, and Mortality in Japanese Older Adults: A Six-Year Follow-Up of the JAGES Cohort Survey,” Int. J. Environ. Res. Public Health, vol. 16, no. 2, p. 182, Jan. 2019, doi: 10.3390/ijerph16020182.
A. Cutillo, M. Raitano, and I. Siciliani, “Income-Based and Consumption-Based Measurement of Absolute Poverty: Insights from Italy,” Soc. Indic. Res., vol. 161, no. 2–3, pp. 689–710, Jun. 2022, doi: 10.1007/s11205-020-02386-9.
G. Özgün and A. Dolcerocca, “Bringing classes back into poverty discussions,” Front. Sociol., vol. 7, Jan. 2023, doi: 10.3389/fsoc.2022.969750.
M. Stranges, D. Vignoli, and A. Venturini, “Migrants’ subjective well-being in Europe: does relative income matter?,” Eur. Soc., vol. 23, no. 2, pp. 255–284, Mar. 2021, doi: 10.1080/14616696.2020.1832238.
M. Mysíková, T. Želinský, M. Jirková, and J. Večerník, “Equivalence Scale and Income Poverty: Two Approaches to Estimate Country-specific Scale for the Czech Republic,” Soc. Indic. Res., vol. 156, no. 1, pp. 21–45, Jul. 2021, doi: 10.1007/s11205-021-02636-4.
S. Tauseef, “Can Money Buy Happiness? Subjective Wellbeing and Its Relationship With Income, Relative Income, Monetary and Non-Monetary Poverty in Bangladesh,” SSRN Electron. J., 2020, doi: 10.2139/ssrn.3709813.
T. A. N. Nguyen, J. Polách, and I. Vozňáková, “The role of financial literacy in retirement investment choice,” Equilibrium. Q. J. Econ. Econ. Policy, vol. 14, no. 4, pp. 569–589, Dec. 2019, doi: 10.24136/eq.2019.027.
L. E. Blue and P. Grootenboer, “A praxis approach to financial literacy education,” J. Curric. Stud., vol. 51, no. 5, pp. 755–770, Sep. 2019, doi: 10.1080/00220272.2019.1650115.
J. H. Fong, B. S. Koh, O. S. Mitchell, and S. Rohwedder, “Financial Literacy and Financial Decision-Making at Older Ages,” SSRN Electron. J., 2020, doi: 10.2139/ssrn.3710225.
X. Li, “When financial literacy meets textual analysis: A conceptual review,” J. Behav. Exp. Financ., vol. 28, p. 100402, Dec. 2020, doi: 10.1016/j.jbef.2020.100402.
R. H. K. HC and R. H. Gusaptono, “The Impact of Financial Literacy on Investment Decisions Between Saving and Credit: Studies on Sharia Bank Customers in the Special Region of Yogyakarta,” J. Econ. Bus., vol. 3, no. 4, Dec. 2020, doi: 10.31014/aior.1992.03.04.291.
R. Bai, “Impact of financial literacy, mental budgeting and self control on financial wellbeing: Mediating impact of investment decision making,” PLoS One, vol. 18, no. 11, p. e0294466, Nov. 2023, doi: 10.1371/journal.pone.0294466.
R. Agarwala, P. Mishra, and R. Singh, “Religiosity and consumer behavior: a summarizing review,” J. Manag. Spiritual. Relig., vol. 16, no. 1, pp. 32–54, Jan. 2019, doi: 10.1080/14766086.2018.1495098.
D. Rinallo and M. Alemany Oliver, “The marketing and consumption of spirituality and religion,” J. Manag. Spiritual. Relig., vol. 16, no. 1, pp. 1–5, Jan. 2019, doi: 10.1080/14766086.2019.1555885.
N. O. Martins, “Adam Smith and Catholic Social Teaching,” J. Bus. Ethics, vol. 170, no. 2, pp. 401–411, May 2021, doi: 10.1007/s10551-019-04366-7.
K. C. Husemann and G. M. Eckhardt, “Consumer spirituality,” J. Mark. Manag., vol. 35, no. 5–6, pp. 391–406, Mar. 2019, doi: 10.1080/0267257X.2019.1588558.
W. J. Fellner and B. Goehmann, “Human needs, consumerism and welfare,” Cambridge J. Econ., vol. 44, no. 2, pp. 303–318, Mar. 2020, doi: 10.1093/cje/bez046.
S. Fritsch, “Adam Smith, just commercial society and corporate social responsibility,” Rev. Int. Polit. Econ., vol. 30, no. 4, pp. 1582–1604, Jul. 2023, doi: 10.1080/09692290.2022.2127832.
I. Halevi Hochwald, G. Green, Y. Sela, Z. Radomyslsky, R. Nissanholtz‐Gannot, and O. Hochwald, “Converting qualitative data into quantitative values using a matched mixed‐methods design: A new methodological approach,” J. Adv. Nurs., vol. 79, no. 11, pp. 4398–4410, Nov. 2023, doi: 10.1111/jan.15649.
O. R. Battaglia, B. Di Paola, and C. Fazio, “Unsupervised quantitative methods to analyze student reasoning lines: Theoretical aspects and examples,” Phys. Rev. Phys. Educ. Res., vol. 15, no. 2, p. 020112, Jul. 2019, doi: 10.1103/PhysRevPhysEducRes.15.020112.
M. Tombs and H. Strange, “Using Qualitative Questionnaires in Medical Education Research,” Perspect. Med. Educ., vol. 13, no. 1, pp. 280–287, May 2024, doi: 10.5334/pme.1102.
W. M. Lim, “What Is Quantitative Research? An Overview and Guidelines,” Australas. Mark. J., Aug. 2024, doi: 10.1177/14413582241264622.
M. D. Fetters and E. B. Rubinstein, “The 3 Cs of Content, Context, and Concepts: A Practical Approach to Recording Unstructured Field Observations,” Ann. Fam. Med., vol. 17, no. 6, pp. 554–560, Nov. 2019, doi: 10.1370/afm.2453.
K. Wang, X. Gao, F. Sun, C. M. De Fries, and S. E. Levkoff, “Evaluation of the Reliability and Validity of the Alzheimer’s Disease-Related Quality of Life Instrument among Older Adults with Cognitive Impairment in Mainland China,” J. Gerontol. Soc. Work, vol. 65, no. 6, pp. 649–663, Aug. 2022, doi: 10.1080/01634372.2021.2010856.
A. K. Goodboy and M. M. Martin, “Omega over alpha for reliability estimation of unidimensional communication measures,” Ann. Int. Commun. Assoc., vol. 44, no. 4, pp. 422–439, Oct. 2020, doi: 10.1080/23808985.2020.1846135.
R. de Barros Ahrens, L. da Silva Lirani, and A. C. de Francisco, “Construct Validity and Reliability of the Work Environment Assessment Instrument WE-10,” Int. J. Environ. Res. Public Health, vol. 17, no. 20, p. 7364, Oct. 2020, doi: 10.3390/ijerph17207364.
W.-M. Luh, “A general framework for planning the number of items/subjects for evaluating Cronbach’s alpha: Integration of hypothesis testing and confidence intervals,” Methodology, vol. 20, no. 1, pp. 1–21, Mar. 2024, doi: 10.5964/meth.10449.
P. Anselmi, D. Colledani, and E. Robusto, “A Comparison of Classical and Modern Measures of Internal Consistency,” Front. Psychol., vol. 10, Dec. 2019, doi: 10.3389/fpsyg.2019.02714.
A. N. Bahasoan, C. Anwar, R. I. Khaldun, and T. H. B. Tahawa, “The influence of economic growth on manpower absorption in Central Sulawesi,” IOP Conf. Ser. Earth Environ. Sci., vol. 343, no. 1, p. 012253, Oct. 2019, doi: 10.1088/1755-1315/343/1/012253.
K. Tribe, “Framing The Wealth of Nations,” Hist. Polit. Econ., vol. 54, no. 5, pp. 951–973, Oct. 2022, doi: 10.1215/00182702-10005802.
M. Rathbone, “Self-interest, wealth and the Book of Proverbs in the South African context: Towards a Smithian alternative,” HTS Teol. Stud. / Theol. Stud., vol. 75, no. 3, Jan. 2019, doi: 10.4102/hts.v75i3.5123.
J. Graafland and T. R. Wells, “In Adam Smith’s Own Words: The Role of Virtues in the Relationship Between Free Market Economies and Societal Flourishing, A Semantic Network Data-Mining Approach,” J. Bus. Ethics, vol. 172, no. 1, pp. 31–42, Aug. 2021, doi: 10.1007/s10551-020-04521-5.
L. Steeds, “The Social Ecology of Adam Smith: Reconsidering the Intellectual Foundations of Political Economy,” New Polit. Econ., vol. 27, no. 1, pp. 132–145, Jan. 2022, doi: 10.1080/13563467.2021.1926956.
J. Zhao and T. Li, “Social Capital, Financial Literacy, and Rural Household Entrepreneurship: A Mediating Effect Analysis,” Front. Psychol., vol. 12, Aug. 2021, doi: 10.3389/fpsyg.2021.724605.
S. Saroj, R. K. Shastri, P. Singh, M. A. Tripathi, S. Dutta, and A. Chaubey, “In what ways does human capital influence the relationship between financial development and economic growth?,” Benchmarking An Int. J., vol. 31, no. 4, pp. 1073–1091, May 2024, doi: 10.1108/BIJ-03-2023-0131.
N. Angrist, S. Djankov, P. K. Goldberg, and H. A. Patrinos, “Measuring human capital using global learning data,” Nature, vol. 592, no. 7854, pp. 403–408, Apr. 2021, doi: 10.1038/s41586-021-03323-7.
Q.-S. Wang, Y.-F. Hua, R. Tao, and N.-C. Moldovan, “Can Health Human Capital Help the Sub-Saharan Africa Out of the Poverty Trap? An ARDL Model Approach,” Front. Public Heal., vol. 9, Jun. 2021, doi: 10.3389/fpubh.2021.697826.
A. Argentiero, R. Cerqueti, and F. Sabatini, “Does social capital explain the Solow residual? A DSGE approach,” Struct. Chang. Econ. Dyn., vol. 58, pp. 35–53, Sep. 2021, doi: 10.1016/j.strueco.2021.04.008.
U. Thathsarani, J. Wei, and G. Samaraweera, “Financial Inclusion’s Role in Economic Growth and Human Capital in South Asia: An Econometric Approach,” Sustainability, vol. 13, no. 8, p. 4303, Apr. 2021, doi: 10.3390/su13084303.