| dc.description.abstract | The dynamics of the financial sector have become the transmission media of
economic and social movements. This condition is supported by the rapid
development of information technology making finance access can reach different
groups of people and even has been globally integrated. However, the level of
financial literacy in Indonesia is only 20 percent. Jember as an economy barometer in
area of East Java Province produces financial inclusion program, especially in
literacy of financial products to encourage the growth of the financial sector. This
study aims to arrange a baseline study toward levels and determinants of finance
literacy of urban people in Jember. The method used is quantitative in the form of
existing data and perception tabulation data through in-depth interviews.
The results of financial literacy levels and finance literacy determinants
analysis of urban people in Jember come to conclusion that swn of particulars
finance literacy level of urban people in Jember is 38,37 low by basic financial
literacy classification index 54,85 which comes into moderate or medium category,
while advanced financial literacy is at 2 t ,89 as low category. This condition is not in
line with financial dynamics which number of financial institutions, both ban.ks and
non-banks and all financial services and its products, grows quite fast. In aggregate
records, the level of :financial literacy of urban people in Jernber is low both basic
financial literacy and advanced financial literacy. Furthermore, both basic financial
literacy and advanced financial literacy are influenced by the level of income.
education, gender, ownership to financial products and behavior toward financial
services. | en_US |
