ANALISIS TINGKAT KECEMASAN FINANSIAL PADA MAHASISWA YANG BEKERJA DI FAKULTAS TEKNIK UNIVERSITAS NEGERI JAKARTA

Nur Afia Fitriyani, . (2026) ANALISIS TINGKAT KECEMASAN FINANSIAL PADA MAHASISWA YANG BEKERJA DI FAKULTAS TEKNIK UNIVERSITAS NEGERI JAKARTA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Keterbatasan finansial menjadi masalah bagi mahasiswa, khususnya yang harus menanggung sebagian atau seluruh kebutuhan finansialnya secara mandiri sambil menjalani perkuliahan. Kondisi ini berpotensi memicu kecemasan finansial (financial anxiety), yaitu respons psikologis dan emosional negatif berupa kekhawatiran serta ketidaknyamanan yang berkelanjutan terhadap situasi keuangan pribadi, yang dapat berdampak pada kesehatan mental, performa akademik, kehidupan sosial, hingga pengambilan keputusan keuangan mahasiswa. Penelitian ini bertujuan untuk menganalisis tingkat kecemasan finansial (financial anxiety) pada mahasiswa aktif Fakultas Teknik Universitas Negeri Jakarta angkatan 2022-2025 yang menempuh kuliah sambil bekerja. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan teknik non-probability sampling berupa purposive sampling, melibatkan 100 responden yang ditentukan berdasarkan rumus Cochran. Data primer dikumpulkan secara online melalui kuesioner berskala likert 4 poin yang mengacu pada instrumen Psychological Inventory of Financial Scarcity (PIFS). Penelitian ini mengukur kecemasan finansial berdasarkan empat dimensi, yaitu appraisal of insufficient financial resources, appraisal of lack of control, financial rumination and worry, dan short-term focus. Hasil penelitian menunjukkan bahwa dimensi appraisal of lack of control menjadi dimensi dengan rata-rata paling tinggi yaitu 62,16% dan dimensi appraisal of insufficient financial resources menjadi dimensi dengan rata-rata paling rendah yaitu 56,26%. Demikian secara keseluruhan tingkat kecemasan finansial mahasiswa berada pada kategori rendah (48%), diikuti kategori sedang (39%) dan tinggi (13%). Penelitian ini menegaskan pentingnya edukasi manajemen keuangan pribadi serta optimalisasi program beasiswa yang tepat sasaran guna mengurangi tekanan kerja yang dialami mahasiswa selama menjalani studi. ***** Financial constraints are a problem for students, especially those who must cover some or all of their financial needs independently while studying. This condition has the potential to trigger financial anxiety, a negative psychological and emotional response in the form of ongoing worry and discomfort about personal financial situations, which can impact mental health, academic performance, social life, and financial decision-making. This study aims to analyze the level of financial anxiety among active students of the Faculty of Engineering, Jakarta State University, intake 2022-2025 who are studying while working. This study used a descriptive quantitative approach with a non-probability sampling technique in the form of purposive sampling, involving 100 respondents determined using the Cochran formula. Primary data were collected online through a 4-point Likertscale questionnaire referring to the Psychological Inventory of Financial Scarcity (PIFS) instrument. This study measured financial anxiety based on four dimensions: Appraisal of Insufficient Financial Resources, Appraisal of Lack of Control, Financial Rumination and Worry, an d Short-Term Focus. The results showed that the Appraisal Lack of Control dimension had the highest average score, at 62.16%, and the Appraisal of Insufficient Financial Resources dimension had the lowest average score, at 56.26%. Thus, overall, students' financial anxiety levels were in the low category (48%), followed by medium (39%) and high (13%). This study emphasizes the importance of personal financial management education and the optimization of targeted scholarship programs to reduce work pressure experienced by students during their studies.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Hurriyyatun Kabbaro, M.Si. ; 2). Dr. Shinta Doriza, M.Pd., M.S.E
Subjects:	Ilmu Sosial > Kesejahteraan Keluarga
Divisions:	FT > S1 Pendidikan Kesejahteraan Keluarga
Depositing User:	Nur Afia Fitriyani .
Date Deposited:	18 Aug 2026 10:17
Last Modified:	18 Aug 2026 10:17
URI:	http://repository.unj.ac.id/id/eprint/70884

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