FAKTOR SOSIOEKONOMI YANG MEMPENGARUHI KEMAHIRAN LITERASI KEWANGAN PELAJAR SEKOLAH MENENGAH DI NEGERI SEMBILAN

Abstract

Financial literacy skills are important skills needed by every individual in achieving most of their life goals. Students are also not excluded from the responsibility of managing their own finance to achieve financial well-being when they attain adulthood. Financial literacy skills comprise of three components: financial knowledge, financial behavior and financial attitude. This study was conducted to examine the level of financial literacy skills of students and to determine the socioeconomic factors that influence the financial literacy skills of secondary school students. A total of 384 respondents were selected among Form 2 students using stratified sampling method. 13 schools were selected from 6 district education offices in Negeri Sembilan. Data were collected using questionnaires and analyzed by using descriptive analysis and inferential analysis. The findings show that students’ financial literacy is at moderate level. Multiple regression analysis shows that ethnicity and fathers’ occupation are two important socioeconomic factors that influence the financial literacy skills of secondary school students in Negeri Sembilan.