文章基本信息

标题：THE NEXUS BETWEEN FINANCIAL LITERACY AND THE CREDIT STATUS IN INDONESIA
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作者：Hadi ISMANTO ; Harjum MUHARAM ; Irene Rini Demi PANGESTUTI 等
期刊名称：Financial Studies
印刷版ISSN：2066-6071
出版年度：2019
卷号：23
期号：3
页码：49-65
出版社：“Victor Slăvescu‿Centre for Financial and Monetary Research
摘要：The ease of access to financial institutions leads to an increase in the number of both consumptive and productive loans. This increase must be balanced with the process of knowledge transfer about financial management so that customers can manage finances well and can pay credit according to a specified schedule. The objectives of this study are to discover factors influencing financial literacy, and test the relationship between literacy and credit status, so that it can become a guideline for banking policies in issuing credit. This research utilized 332 samples of credit clients in rural bank credit (RBC). The testing was done with multinomial logistic regression. The research results reveal that the factor which influences finance literacy is level of education. On the other hand, income, amount of loan, and credit status do not have an influence on finance literacy. The credit status (fluid and stalled) does not have a significant relationship towards finance literacy. Thus, the initial assumption that clients who have a fluid credit status will also have a higher literacy level is not proven. There are no differences in stalled credit clients and fluid credit clients in financial literacy.
关键词：financial literacy; credit status; rural bank credit