Electronic Theses and Dissertation

Salah satu tantangan utama petani kelapa sawit adalah ketidakstabilan harga jual yang menyebabkan pendapatan tidak menentu. Hal ini menuntut petani untuk bijak dalam mengelola keuangan guna mencapai stabilitas ekonomi keluarga. Pengelolaan keuangan meliputi perencanaan, penganggaran, pemeriksaan, pengelolaan, pengendalian, pencarian, dan penyimpanan dana sehari-hari. Penelitian ini bertujuan untuk mengetahui perilaku pengelolaan keuangan, pengetahuan keuangan, dan sikap keuangan pada petani kelapa sawit serta melihat pengaruh pendidikan, pengetahuan keuangan, pendapatan dan sikap keuangan terhadap perilaku pengelolaan keuangan pada petani kelapa sawit di Kabupaten Nagan Raya. Penelitian ini dilaksanakan di Kabupaten Nagan Raya, yaitu kecamatan Darul Makmur dan Tadu Raya pada bulan September 2023. Sampel penelitian diambil sebanyak 100 petani menggunakan metode Non Probability Sampling dengan teknik Quota Sampling. Metode analisis yang digunakan yaitu analisis deskriptif dan analisis regresi logistik ordinal. Hasil penelitian menunjukkan bahwa perilaku keuangan, pengetahuan keuangan, dan sikap keuangan menunjukkan hasil yang baik. Selain itu, berdasarkan hasil analisis regresi logistik ordinal, faktor-faktor yang mempengaruhi perilaku keuangan petani kelapa sawit, seperti variabel pendidikan, pengetahuan keuangan, pendapatan, dan sikap keuangan, berpengaruh secara signifikan (p < 0,05) terhadap perilaku pengelolaan keuangan petani kelapa sawit di Kabupaten Nagan Raya.

One of the main challenges of oil palm farmers is the instability of selling prices, which leads to uncertain income. This requires farmers to be wise in managing finances to achieve family economic stability. Financial management includes planning, budgeting, examining, managing, controlling, searching, and storing daily funds. This study aims to determine the financial management behavior, financial knowledge, and financial attitudes of oil palm farmers and see the effect of education, financial knowledge, income and financial attitudes on financial management behavior of oil palm farmers in Nagan Raya Regency. This research was conducted in Nagan Raya Regency, namely Darul Makmur and Tadu Raya sub-districts in September 2023. The research sample was taken as many as 100 farmers using the Non Probability Sampling method with the Quota Sampling technique. The analysis method used is descriptive analysis and ordinal logistic regression analysis. The results showed that financial behavior, financial knowledge, and financial attitudes showed good results. In addition, based on the results of ordinal logistic regression analysis, factors that influence the financial behavior of oil palm farmers, such as variables of education, financial knowledge, income, and financial attitudes, have a significant effect (p < 0.05) on the financial management behavior of oil palm farmers in Nagan Raya Regency.