Tingkat Literasi Keuangan dan Faktor-Faktor yang Memengaruhinya pada Nelayan di Kecamatan Paciran Kabupaten Lamongan

Abstract

Literasi keuangan berperan penting dalam meningkatkan kesejahteraan masyarakat dan memperluas inklusi keuangan. Tingkat literasi keuangan nelayan relatif lebih rendah dibandingkan tingkat literasi keuangan nasional. Penelitian ini bertujuan menganalisis tingkat literasi keuangan nelayan dan faktor-faktor yang memengaruhinya. Penelitian dilakukan pada nelayan di Kecamatan Paciran, Kabupaten Lamongan. Sampel terdiri atas 96 nelayan yang ditentukan menggunakan rumus Yamane dengan teknik probability sampling melalui random sampling. Pengukuran literasi keuangan mengacu pada standar OJK dan OECD. Data dianalisis menggunakan analisis deskriptif dan regresi linear berganda. Hasil penelitian menunjukkan bahwa rata-rata tingkat literasi keuangan nelayan sebesar 67,80% yang termasuk kategori cukup terliterasi. Tingkat pendidikan dan pendapatan berpengaruh positif dan signifikan terhadap literasi keuangan, sedangkan jarak ke lembaga keuangan dan pelatihan berpengaruh negatif dan signifikan terhadap literasi keuangan nelayan.

Financial literacy plays an important role in improving community welfare and expanding financial inclusion. The level of financial literacy among fishers is relatively lower than the national financial literacy level. This study aims to analyze the financial literacy level of fishers and the factors influencing it. The study was conducted among fishers in Paciran District, Lamongan Regency. Sample of 96 fishers was determined using the Yamane formula and selected through a probability sampling approach using proportionate random sampling. Financial literacy was measured based on the standards developed by OJK and the OECD. Data were analyzed using descriptive analysis and multiple linear regression. The results showed that the average financial literacy level of fishers was 67.80%, which falls into the sufficient literate category. Education level and income had a positive and significant effect on financial literacy, while distance to financial institutions and training had a negative and significant effect on fishers' financial literacy.