出版社：“Victor Slăvescu‿Centre for Financial and Monetary Research
摘要：The ease of access to financial institutions leads to an increase
in the number of both consumptive and productive loans. This increase
must be balanced with the process of knowledge transfer about
financial management so that customers can manage finances well
and can pay credit according to a specified schedule. The objectives
of this study are to discover factors influencing financial literacy, and
test the relationship between literacy and credit status, so that it can
become a guideline for banking policies in issuing credit. This research
utilized 332 samples of credit clients in rural bank credit (RBC). The
testing was done with multinomial logistic regression. The research
results reveal that the factor which influences finance literacy is level
of education. On the other hand, income, amount of loan, and credit
status do not have an influence on finance literacy. The credit status
(fluid and stalled) does not have a significant relationship towards
finance literacy. Thus, the initial assumption that clients who have a
fluid credit status will also have a higher literacy level is not proven.
There are no differences in stalled credit clients and fluid credit clients
in financial literacy.
关键词：financial literacy; credit status; rural bank credit
