Kesejahteraan finansial antara benua Asia dan Afrika: database World Value Survey (WVS) 7

Authors

  • Rizka Ardhi Pradika Universitas Negeri Yogyakarta
  • Nurfitri Ramadana Universitas Negeri Yogyakarta
  • Resky Nuralisa Gunawan Universitas Negeri Yogyakarta https://orcid.org/0009-0009-1805-9928
  • Khintan Kusumawardhani Universitas Negeri Yogyakarta
  • Indah Eka Fitriana Universitas Negeri Yogyakarta

DOI:

https://doi.org/10.56916/jimab.v4i1.1156

Keywords:

Kesejahteraan Finansial, Demografi, kemiskinan, World Value Survey (WVS) 7, Stabilitas ekonomi

Abstract

Negara-negara berkembang di Asia dan Afrika sering menghadapi tantangan terkait kesejahteraan finansial, yang erat kaitannya dengan kemiskinan dan pendapatan rendah. Penelitian ini bertujuan untuk menganalisis tingkat kesejahteraan finansial individu di negara-negara berkembang Asia (Indonesia, Malaysia, Vietnam) dan Afrika (Maroko, Nigeria, Kenya) dengan menggunakan data dari World Value Survey (WVS) 7. Analisis dilakukan dengan menggunakan metode tabulasi silang, dengan menggunakan variabel independen seperti tingkat pendidikan, pendidikan orang tua, pendapatan rumah tangga, preferensi ekuitas, dan status perkawinan. Hasil penelitian menunjukkan bahwa negara-negara Asia cenderung memiliki tingkat kepuasan finansial yang lebih tinggi daripada negara-negara Afrika. Faktor demografi, seperti pendidikan dan status perkawinan, memainkan peran penting dalam memengaruhi kesejahteraan finansial individu. Penelitian ini memberikan wawasan penting untuk kebijakan pembangunan ekonomi yang lebih inklusif di negara-negara berkembang.

References

Adam, E., & Halid, A. (2022). Literasi keuangan dan kesejahteraan rumah tangga petani di Gorontalo. Agromix, 13(2), 148–156. https://doi.org/10.35891/agx.v13i2.2677

Aulia, N., Yuliati, L. N., & Muflikhati, I. (2019). Kesejahteraan Keuangan Keluarga Usia Pensiun: Literasi Keuangan, Perencanaan Keuangan Hari Tua, dan Kepemilikan Aset. Jurnal Ilmu Keluarga Dan Konsumen, 12(1), 38–51. https://doi.org/10.24156/jikk.2019.12.1.38

Bailey, S. M. (2019). Financial Well-Being: An Opportunity to Have Profound Impact With Solutions That Match Needs. American Journal of Health Promotion, 33(1), 147–151. https://doi.org/10.1177/0890117118812822b

Barbić, D., Palić, I., & Bahovec, V. (2016). Logistic regression analysis of financial literacy implications for retirement planning in Croatia. Croatian Operational Research Review, 7(2), 319–331. https://doi.org/10.17535/crorr.2016.0022

Brüggen, E. C., Hogreve, J., Holmlund, M., Kabadayi, S., & Löfgren, M. (2017). Financial well-being: A conceptualization and research agenda. Journal of Business Research, 79, 228–237. https://doi.org/10.1016/j.jbusres.2017.03.013

Chavali, K., Raj, P. M., & Ahmed, R. (2021). Does Financial Behavior Influence Financial Well-being? Journal of Asian Finance, Economics and Business, 8(2), 273–280. https://doi.org/10.13106/jafeb.2021.vol8.no2.0273

Furnham, A., & Cheng, H. (2017). Socio-demographic indicators, intelligence, and locus of control as predictors of adult financial well-being. Journal of Intelligence, 5(2), 1–11. https://doi.org/10.3390/jintelligence5020011

Gennetian, L. A., & Eldar, S. (2015). THE PERSISTENCE OF POVERTY IN THE CONTEXT OF FINANCIAL INSTABILITY: A BEHAVIORAL PERSPECTIVE. Journal of Policy Analysis and Management, 29(3), 451–478. https://doi.org/10.1002/pam

Huda, D. A. N. (2020). Pengaruh Indeks Pembangunan Manusia terhadap Kemiskinan Multidimensional di Negara Berkembang dengan Pendekatan Regresi Nonparametrik. Statistika, 20(2), 75–82.

Iramani, R., & Lutfi, L. (2021). An integrated model of financial well-being: The role of financial behavior. Accounting, 7(3), 691–700. https://doi.org/10.5267/j.ac.2020.12.007

Kurniawati, A. A., & Setyo, H. (2022). Faktor-Faktor Yang Mempengaruhi Financial Well-Being. Jurnal Ilmiah Manajemen Bisnis Dan Inovasi Universitas Sam Ratulangi (Jmbi Unsrat), 9(3), 1577–1598.

Kuutol, P. K., Mbonigaba, J., & Garidzirai, R. (2024). Financial Literacy and Financial Well-Being in Rural Households in Ghana: The Role of Financial Information Consumption. Sustainability (Switzerland), 16(19), 1–24. https://doi.org/10.3390/su16198380

Lone, U. M., & Bhat, S. A. (2024). Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy. Journal of Financial Services Marketing, 29(1), 122–137. https://doi.org/10.1057/s41264-022-00183-8

Mahendru, M. (2021). Financial well-being for a sustainable society: a road less travelled. Qualitative Research in Organizations and Management: An International Journal, 16(3–4), 572–593. https://doi.org/10.1108/QROM-03-2020-1910

Muhammad, A. (2022). Optimalisasi Financial Well Being Generasi Sandwich di Indonesia. El-Usrah, 5(1), 127–135. https://doi.org/10.22373/ujhk.v5i1.17119

Mustofa, M., Suyanto, S., Suprayitno, B., & Kusumawardani, N. (2022). Independence, Work Ethic, Spirituality, and Productivity: A Comparative Study of Several Asian Countries. Journal of Social Science, 3(4), 666–677. https://doi.org/10.46799/jss.v3i4.373

Netemeyer, R. G., Warmath, D., Fernandes, D., & Lynch, J. G. (2018). How Am i Doing? Perceived Financial Well-Being, Its Potential Antecedents, and Its Relation to Overall Well-Being. Journal of Consumer Research, 45(1), 68–89. https://doi.org/10.1093/jcr/ucx109

Oktavianus, J., Wijaya, L. I., & Sutedjo, B. S. (2025). Faktor-Faktor yang mempengaruh ifinancial well being generasi z berpenghasilan disurabaya,Indonesia. 9(1), 333–359.

Ramly, A. (2022). Analisis Literasi Keuangan pada Mahasiswa STAIN Teungku Dirundeng Meulaboh Fahlauddin. Bertuah : Journal of Shariah and Islamic Economics, 3(1), 37–53.

Salsabila, A., & Hapsari, M. T. (2022). Pengaruh Pendapatan Dan Literasi Keuangan Terhadap Kesejahteraan Keuangan Keluarga Di Desa Kolomayan Kecamatan Wonodadi. Sains: Jurnal Manajemen Dan Bisnis, 14(2), 222. https://doi.org/10.35448/jmb.v14i2.14538

Syafitri, A. A. (2024). Literasi Keuangan Sebagai Usaha Untuk Mencapai Financial Well Being: Sebuah Perspektif dari Generasi Z. Dialektika : Jurnal Ekonomi Dan Ilmu Sosial, 9(1), 136–148. https://doi.org/10.36636/dialektika.v9i1.3975

Tutut Rindiar Gandi, & Aula Ahmad Hafidh Saiful Fikri. (2024). The Role Of Financial Capability And Non-Impulsive Behavior In Moderated Mediation Model On The Effect Of Financial Literacy On Financial Well-Being. International Journal of Education, Language, Literature, Arts, Culture, and Social Humanities, 2(4), 33–56. https://doi.org/10.59024/ijellacush.v2i4.917

Wahab, N. N., & Yaacob, Z. (2018). Strategy For Financial Wellbeing Among Public Servants In Malaysia. Journal of Techno Social, 10(2), 50–59. https://doi.org/10.30880/jts.2018.10.02.008

Xiao, J. J., & Porto, N. (2017). Financial education and financial satisfaction: Financial literacy, behavior, and capability as mediators. International Journal of Bank Marketing, 35(5), 805–817. https://doi.org/10.1108/IJBM-01-2016-0009

Downloads

Published

2025-04-11

How to Cite

Pradika, R. A., Ramadana, N., Gunawan, R. N., Kusumawardhani, K., & Fitriana, I. E. (2025). Kesejahteraan finansial antara benua Asia dan Afrika: database World Value Survey (WVS) 7. Journal of Innovation in Management, Accounting and Business, 4(1), 78–85. https://doi.org/10.56916/jimab.v4i1.1156

Issue

Section

Articles