{"id":"https://openalex.org/W2767502003","doi":"https://doi.org/10.26905/jkdp.v21i3.1489","title":"The Use of Financial Literacy for Growing Personal Finance","display_name":"The Use of Financial Literacy for Growing Personal Finance","publication_year":2017,"publication_date":"2017-10-30","ids":{"openalex":"https://openalex.org/W2767502003","doi":"https://doi.org/10.26905/jkdp.v21i3.1489","mag":"2767502003"},"language":"en","primary_location":{"id":"doi:10.26905/jkdp.v21i3.1489","doi":"https://doi.org/10.26905/jkdp.v21i3.1489","is_oa":true,"landing_page_url":"https://doi.org/10.26905/jkdp.v21i3.1489","pdf_url":"http://jurnal.unmer.ac.id/index.php/jkdp/article/download/1489/pdf_1","source":{"id":"https://openalex.org/S4210187399","display_name":"Jurnal Keuangan dan Perbankan","issn_l":"1410-8089","issn":["1410-8089","2443-2687"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315003","host_organization_name":"Universitas Merdeka Malang","host_organization_lineage":["https://openalex.org/P4310315003"],"host_organization_lineage_names":["Universitas Merdeka Malang"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Keuangan dan Perbankan","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"http://jurnal.unmer.ac.id/index.php/jkdp/article/download/1489/pdf_1","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5079254696","display_name":"Ardi Gunardi","orcid":"https://orcid.org/0000-0002-0372-7067","observed_orcids":["https://orcid.org/0000-0002-0372-7067"]},"institutions":[{"id":"https://openalex.org/I4210159629","display_name":"Universitas Pasundan","ror":"https://ror.org/059cs8z68","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210159629"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Ardi Gunardi","raw_affiliation_strings":["[SCOPUS Author ID: 57191667735] Department of Management, Faculty of Economics and Business, Universitas Pasundan, Bandung"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"[SCOPUS Author ID: 57191667735] Department of Management, Faculty of Economics and Business, Universitas Pasundan, Bandung","institution_ids":["https://openalex.org/I4210159629"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5101864919","display_name":"Mochammad Ridwan","orcid":"https://orcid.org/0000-0002-7411-5666","observed_orcids":["https://orcid.org/0000-0002-7411-5666"]},"institutions":[{"id":"https://openalex.org/I4210159629","display_name":"Universitas Pasundan","ror":"https://ror.org/059cs8z68","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210159629"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Mochammad Ridwan","raw_affiliation_strings":["Department of Accounting, Faculty of Economics and Business, Universitas Pasundan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Accounting, Faculty of Economics and Business, Universitas Pasundan","institution_ids":["https://openalex.org/I4210159629"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5056939435","display_name":"Gugum Mukdas Sudarjah","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210159629","display_name":"Universitas Pasundan","ror":"https://ror.org/059cs8z68","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210159629"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Gugum Mukdas Sudarjah","raw_affiliation_strings":["Department of Development Economics, Faculty of Economics and Business, Universitas Pasundan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Development Economics, Faculty of Economics and Business, Universitas Pasundan","institution_ids":["https://openalex.org/I4210159629"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210159629"],"apc_list":null,"apc_paid":null,"fwci":7.9743,"has_fulltext":true,"cited_by_count":31,"citation_normalized_percentile":{"value":0.96952498,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":99},"biblio":{"volume":"21","issue":"3","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9872999787330627,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9872999787330627,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.012600000016391277,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12123","display_name":"Financial Analysis and Corporate Governance","score":0.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":1.0},{"id":"https://openalex.org/keywords/personal-finance","display_name":"personal finance","score":0.9419999718666077},{"id":"https://openalex.org/keywords/college-students","display_name":"university students","score":0.796999990940094},{"id":"https://openalex.org/keywords/business-and-economics-students","display_name":"economics and business students","score":0.8289999961853027},{"id":"https://openalex.org/keywords/determinants-of-financial-literacy","display_name":"determinants of financial literacy","score":0.8629999756813049},{"id":"https://openalex.org/keywords/gender-differences","display_name":"gender differences","score":0.7440000176429749},{"id":"https://openalex.org/keywords/academic-achievement","display_name":"academic performance","score":0.9430000185966492},{"id":"https://openalex.org/keywords/parental-education","display_name":"parental education","score":0.9670000076293945},{"id":"https://openalex.org/keywords/parental-income","display_name":"parental income","score":0.8880000114440918},{"id":"https://openalex.org/keywords/financial-planning","display_name":"financial planning","score":0.6869999766349792}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.8829683065414429},{"id":"https://openalex.org/C117568660","wikidata":"https://www.wikidata.org/wiki/Q1650843","display_name":"Multinomial logistic regression","level":2,"score":0.6624985933303833},{"id":"https://openalex.org/C2776269092","wikidata":"https://www.wikidata.org/wiki/Q1611074","display_name":"Residence","level":2,"score":0.5949585437774658},{"id":"https://openalex.org/C554936623","wikidata":"https://www.wikidata.org/wiki/Q199657","display_name":"Reading (process)","level":2,"score":0.5256408452987671},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4972424805164337},{"id":"https://openalex.org/C2777267654","wikidata":"https://www.wikidata.org/wiki/Q3519023","display_name":"Test (biology)","level":2,"score":0.4808569550514221},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.44724857807159424},{"id":"https://openalex.org/C509550671","wikidata":"https://www.wikidata.org/wiki/Q126945","display_name":"Medical education","level":1,"score":0.4327913522720337},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.42158740758895874},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.29200881719589233},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.258236289024353},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.22651135921478271},{"id":"https://openalex.org/C4249254","wikidata":"https://www.wikidata.org/wiki/Q3044431","display_name":"Demographic economics","level":1,"score":0.18352431058883667},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.11796289682388306},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.0},{"id":"https://openalex.org/C151730666","wikidata":"https://www.wikidata.org/wiki/Q7205","display_name":"Paleontology","level":1,"score":0.0},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.26905/jkdp.v21i3.1489","doi":"https://doi.org/10.26905/jkdp.v21i3.1489","is_oa":true,"landing_page_url":"https://doi.org/10.26905/jkdp.v21i3.1489","pdf_url":"http://jurnal.unmer.ac.id/index.php/jkdp/article/download/1489/pdf_1","source":{"id":"https://openalex.org/S4210187399","display_name":"Jurnal Keuangan dan Perbankan","issn_l":"1410-8089","issn":["1410-8089","2443-2687"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315003","host_organization_name":"Universitas Merdeka Malang","host_organization_lineage":["https://openalex.org/P4310315003"],"host_organization_lineage_names":["Universitas Merdeka Malang"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Keuangan dan Perbankan","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:b14bd40235e44522aaad9ab71484a969","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/b14bd40235e44522aaad9ab71484a969","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Jurnal Keuangan dan Perbankan, Vol 21, Iss 3, Pp 446-458 (2017)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.26905/jkdp.v21i3.1489","doi":"https://doi.org/10.26905/jkdp.v21i3.1489","is_oa":true,"landing_page_url":"https://doi.org/10.26905/jkdp.v21i3.1489","pdf_url":"http://jurnal.unmer.ac.id/index.php/jkdp/article/download/1489/pdf_1","source":{"id":"https://openalex.org/S4210187399","display_name":"Jurnal Keuangan dan Perbankan","issn_l":"1410-8089","issn":["1410-8089","2443-2687"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315003","host_organization_name":"Universitas Merdeka Malang","host_organization_lineage":["https://openalex.org/P4310315003"],"host_organization_lineage_names":["Universitas Merdeka Malang"],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal Keuangan dan Perbankan","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.6164000034332275,"id":"https://metadata.un.org/sdg/4","display_name":"Quality education"}],"sustainable_development_goals_aurora":[{"score":0.8999999761581421,"id":"https://metadata.un.org/sdg/4","display_name":"Quality education"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2767502003.pdf","grobid_xml":"https://content.openalex.org/works/W2767502003.grobid-xml"},"referenced_works_count":23,"referenced_works":["https://openalex.org/W94969222","https://openalex.org/W186050293","https://openalex.org/W203958262","https://openalex.org/W1532674111","https://openalex.org/W1591738132","https://openalex.org/W1802527107","https://openalex.org/W1861314992","https://openalex.org/W1994172498","https://openalex.org/W2010006025","https://openalex.org/W2017362053","https://openalex.org/W2023981549","https://openalex.org/W2033358714","https://openalex.org/W2039419393","https://openalex.org/W2058580877","https://openalex.org/W2083530146","https://openalex.org/W2100814387","https://openalex.org/W2163625755","https://openalex.org/W2176711385","https://openalex.org/W2187938024","https://openalex.org/W2343501952","https://openalex.org/W2608599182","https://openalex.org/W3122262052","https://openalex.org/W3122285806"],"related_works":["https://openalex.org/W1861314992","https://openalex.org/W2903590560","https://openalex.org/W2153499165","https://openalex.org/W4295919235","https://openalex.org/W2146891570","https://openalex.org/W3013016435","https://openalex.org/W2805128078","https://openalex.org/W4405939505","https://openalex.org/W2966521949","https://openalex.org/W3200046254"],"abstract_inverted_index":{"Financial":[0,90],"literacy":[1,22,80,91],"played":[2],"an":[3],"important":[4],"role":[5],"for":[6,107],"everyone":[7],"in":[8,23,86,136],"managing":[9,144],"personal":[10,131],"finances.":[11],"This":[12],"research":[13,55,73,119],"aimed":[14],"to":[15,117,128],"determine":[16],"how":[17],"the":[18,46,69,72,76,118,130,138,150],"level":[19,77],"of":[20,27,48,71,78,110,123,134,140],"financial":[21,79,132,152],"students":[24,44,83,135],"S1":[25],"Faculty":[26,47],"Economics":[28,49],"and":[29,33,50,63,102,112,143],"Business,":[30],"Universitas":[31,52],"Pasundan":[32],"investigate":[34],"what":[35],"factors":[36],"are":[37],"influencing":[38],"it.":[39],"The":[40,54,121],"observed":[41],"respondents":[42],"were":[43,126],"from":[45,81],"business,":[51],"Pasundan.":[53],"data":[56],"was":[57,85,92],"collected":[58],"through":[59],"questionnaires,":[60],"descriptive":[61],"analysis,":[62],"test":[64],"multinomial":[65],"logit.":[66],"Based":[67],"on":[68],"results":[70,122],"showed":[74],"that":[75],"undergraduate":[82],"UniversitasPasundan":[84],"a":[87],"low":[88],"category.":[89],"determined":[93],"by":[94],"gender,":[95],"GreaterAcademic":[96],"Achievement":[97],"(GPA),":[98],"parental":[99,103],"education":[100],"level,":[101,105],"income":[104],"whereas":[106],"age,":[108],"year":[109],"study":[111,125],"residence":[113],"do":[114],"not":[115],"contribute":[116],"model.":[120],"this":[124],"expected":[127],"support":[129],"planning":[133],"improving":[137],"skills":[139],"reading,":[141],"analyzing,":[142],"their":[145],"own":[146],"finances,":[147],"thus":[148],"avoiding":[149],"daily":[151],"problems.":[153],"DOI":[154],":":[155],"https://doi.org/10.26905/jkdp.v21i3.1489":[156]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":4},{"year":2022,"cited_by_count":11},{"year":2021,"cited_by_count":2},{"year":2020,"cited_by_count":5},{"year":2019,"cited_by_count":3},{"year":2018,"cited_by_count":1}],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2017-11-17T00:00:00"}
