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This study examines data from the U.S. 2018 and 2019 Survey of Household Economics and Decision making (SHED) to understand the association between student loan debt and emergency-saving decisions, including the moderating role of financial knowledge. Controlling self-selection bias through a propensity score and coarsened exact matching approach,...
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Citations
... Recently, student loans have faced immense media, government, and academic scrutiny, largely focused on determining whether student loans are a net positive. While research suggests that loans can assist financially constrained students by providing opportunities to further their education and achieve higher income (Korankye et al., 2024), there is concern that the cost of student loan debt outweighs the benefits of completing higher education (Farrington, 2024). The cost of college has dramatically increased, with tuition and fees at public and private 4-year institutions increasing by 141% and 181%, respectively, in the last 20 years (Hanson, 2024). ...
This study examines the association between self-employment, otherwise known as entrepreneurship, and student loan debt. Based on data from the 2021 National Financial Capability Study, which were analyzed using a multinomial probit model, our results suggest that households that used student loans to finance the education of one household member are more likely to report that the other member of the household pursued self-employment, with everything else remaining equal. This association between student loans and household self-employment is both economically and statistically significant. Our results highlight the importance of alternative forms of financing for entrepreneurship and expand upon existing knowledge about the unintended effects of student loans. Policymakers should consider these results when analyzing the various intended and unintended benefits of policies affecting the availability of student loans.
... Tabungan yang cukup juga memberikan rasa aman dan menurunkan tingkat stres finansial. Menurut penelitian oleh Korankye et al., (2024), orang yang memiliki tabungan darurat yang cukup merasa lebih siap untuk menghadapi situasi tak terduga, seperti kehilangan pekerjaan atau kebutuhan mendesak lainnya. Dengan memiliki tabungan, mereka dapat mengurangi ketergantungan pada pinjaman atau kredit, serta mempertahankan kualitas hidup yang lebih baik meskipun menghadapi krisis finansial. ...
Perencanaan keuangan merupakan aspek penting dalam mencapai kesejahteraan finansial jangka panjang, terutama bagi generasi muda yang akan menghadapi tantangan ekonomi yang semakin kompleks. Generasi muda perlu memiliki pemahaman yang baik mengenai cara mengelola keuangan pribadi agar dapat mempersiapkan masa depan yang lebih baik. Artikel ini bertujuan untuk mengkaji pentingnya perencanaan keuangan bagi generasi muda dengan fokus pada pengelolaan pendapatan, pengeluaran, tabungan, dan investasi. Berdasarkan studi literatur terkini, generasi muda sering kali mengabaikan perencanaan keuangan karena kurangnya pengetahuan atau pemahaman yang mendalam mengenai manfaat jangka panjang dari pengelolaan keuangan yang baik. Oleh karena itu, penting untuk meningkatkan literasi keuangan melalui pendidikan dan penyuluhan, serta membangun kebiasaan menabung dan berinvestasi sejak dini. Artikel ini juga membahas berbagai strategi dan alat perencanaan keuangan yang dapat membantu generasi muda dalam mencapai tujuan finansial mereka. Dengan perencanaan keuangan yang baik, generasi muda diharapkan dapat menghindari masalah keuangan di masa depan dan meraih stabilitas finansial yang lebih baik.
