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Financial Literacy and Consumer Debt: A Survey of Low-Income Households in Depok, West Java, Indonesia

机译：金融扫盲与消费者债务：印度尼西亚西爪哇省低收入家庭调查

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摘要

This study aims to examine the impact of financial literacy on consumer debt as measured by debt-to-income ratio, number of lenders, and net worth among low-income households in over-indebted condition. The key components of financial literacy used are numeracy and money management skills. This study is conducted through a survey on 103 low-income households in Depok, West Java. The main finding from the analysis is that neither numeracy nor money management skills significantly affect debt-to-income ratio and net worth. However, money management skills are found to have a significant influence on the number of lenders. As money management skills improve, the number of lenders increases. Numeracy skills, however, has no significant effect on the number of lenders. This finding differs from that of previous studies, which suggest that money management skills would decrease the number of lenders. This study has an implication on educational programs intended to enhance financial literacy among low-income households.
机译：本研究旨在审查金融扫盲对消费者债务的影响，按债务与收入率，贷款人数，贷款家庭的低收入条件下的低收入家庭净值。使用的金融扫盲的关键组成部分是奖学金和金钱管理技能。这项研究是通过在西爪哇省Spok 103个低收入家庭的调查进行的。分析的主要发现是，既不是算法也不会影响收入比率和净值。然而，发现金钱管理技能对贷方的数量产生重大影响。作为金钱管理技能的改善，贷款人的数量增加。然而，对贷方的数量没有显着影响。这一发现与先前研究的发现不同，这表明金钱管理技能会降低贷方的数量。本研究对旨在提高低收入家庭金融扫盲的教育计划有所暗示。

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