Impact Of The Digital Financial Technology To The Financial Literacy Of Population

2020 ◽  
Author(s):  
E. A. Rasumovskaya
Keyword(s):  
Financial Literacy ◽  
Financial Technology

scholarly journals Understanding of Financial Literacy as a Moderating Variable on the Effect of Financial Technology on Financial Inclusion in Lubuklinggau City, Indonesia

2021 ◽  
Vol 3 (2) ◽  
pp. 140-151
Author(s):  
Martini Martini ◽  
Sardiyo Sardiyo ◽  
Reza Septian ◽  
Devi Anggreni sy ◽  
Deni Nurdiansyah
Keyword(s):  
Data Analysis ◽  
Financial Literacy ◽  
Indirect Effects ◽  
Total Sample ◽  
Financial Inclusion ◽  
Direct And Indirect Effects ◽  
Main Requirement ◽  
Indirect Analysis ◽  
The City ◽  
Financial Technology

This study investigates the effect of fintech on financial inclusion, and financial literacy, it was able to influence financial literacy on financial inclusion in Lubuklinggau. The research was conducted by distributing questionnaires to eight districts in the city of Lubuklinggau with a total sample of 401 people who use fintech as the main requirement. Data analysis was carried out with WarpPLS to identify direct and indirect effects on the tested variables. Based on the results, the perception of the ease and effectiveness of using fintech does not affect financial inclusion in Lubuklinggau. People are still not familiar with fintech and consider fintech as a new financial system and not easy to use. The level of risk and interest in using fintech has a significant influence on the financial inclusion variable in the Lubuklinggau. The indirect analysis explains it proves that financial literacy is able to moderate perceptions of the ease of using fintech and reduce the risk of fintech itself on financial inclusion. However, financial literacy is not able to moderate the effectiveness of using fintech and interest in financial inclusion to use of fintech after understanding financial literacy, people become more selective in using fintech.

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (1) ◽  
pp. 37
Author(s):  
Wahyudi Wahyudi ◽  
Brigitta Azalea Pulo Tukan ◽  
Dahlia Pinem
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Partial Least Square Analysis ◽  
Analysis Technique ◽  
Positive Effect ◽  
Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

scholarly journals Application of Quick Response Code Indonesian as a Payment Tool in Digitizing MSMEs

SENTRALISASI ◽  
2022 ◽  
Vol 11 (1) ◽  
pp. 1
Author(s):  
Desy Tri Anggarini
Keyword(s):  
Financial Literacy ◽  
Field Research ◽  
Secondary Data ◽  
Primary Data ◽  
Quick Response ◽  
Response Code ◽  
Quick Response Code ◽  
Qualitative Descriptive ◽  
Observation Method ◽  
Financial Technology

The purpose of the research is to contribute to the development of technology in the financial sector, to give influence to the community in terms of cashless, then also to provide insight into financial technology on financial literacy by using QRIS (Quick Response Code Indonesian). MSME  use facilitate their business activities by implementing fintech in terms of transaction management and the role of financial technology, is the QRIS (Quick Response Code Indonesian) application as a means of payment. The research method used in the research on the application of QRIS (Quick Response Code Indonesian) as a Payment Tool in digitizing MSMEs is a qualitative descriptive study using field research methods. This study uses interviews with 10 traders and 10 UMKM consumers who use QRIS. The research location is in BSD Modern Market, using non-probability techniques. Primary data taken directly from the object of research. With the direct observation method at the BSD modern market, South Tangerang with interview techniques for both consumers and traders who use QRIS as well as secondary data also obtained through various literatures. The result of the research is that QRIS as a digital payment tool for MSMEs is non-cash digital payment using Gopay, Ovo and others. QRIS has the potential to expand MSME sales, with QRIS an increase in digital sales traffic and a decrease in cash, minimizing the risk of paying counterfeit money, automatically recording transactions, building credit profiles for banks, making it easier to get working capital, payment of retribution, bills, purchasing goods in cash easily.

scholarly journals Financial Technology (Fin-Tech): Revolutionizing the Indian Agrarian Sector

2020 ◽  
Vol 8 (12s3) ◽  
pp. 1-8
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Risk Sharing ◽  
Financial Inclusion ◽  
Indian Government ◽  
Agricultural Finance ◽  
Agricultural Growth ◽  
Two Factors ◽  
Financial Technology

Agriculture is the largest employer of India which constitutes 50% of its workforce and also a contributor to 17-18% in its GDP. Still, it is one of the most disorganized and disjointed sector.Somewhere this sector has not been given due attention and itcan be proven with the fact that the GDP contribution of this sector has fallen from 43% to 18% (1970- 2018).Though the Indian Government is digitally driving to provide financial inclusion to more than 145 million households that are not having access to banking services but still the farmers aremajorlyusing traditional credit for their basic and main two factors; Production & Consumption (Distribution). The financial segment has an important role to make agriculture aprime contributorto the economic growth of the country and also in reducing poverty. A fast-evolving technological landscape is bringing up new potential to focus&provide credit, risk-sharing, and to explore technology to enhance agricultural productivity. Our paper firstly examines agricultural finance in the Indian context and then discusses how financial technology (Fin-Tech) can drive new products in credit and risk markets in India. We evaluate the role of mobile banking, financial literacy, digital financial services, digital financial technology, and block-chain technology. The paper is concluded with a discussion of policy takeaways for Fin-Tech in agriculture to promote agricultural growth, enhance financial inclusion, and improve regional economic integration through agriculture.

scholarly journals The Effect Of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion

2020 ◽  
Vol 5 (2) ◽  
pp. 231
Author(s):  
Basrowi Basrowi ◽  
Tulus Suryanto ◽  
Erike Anggraeni ◽  
Muhammad Nasor
Keyword(s):  
Significant Influence ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Survey Method ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Study Program ◽  
Independent Variables ◽  
Financial Technology

Purpose: The purpose of this study was to determine the magnitude of the influence of Islamic financial literacy and Islamic financial technology on the inclusion of Islamic finance in students in Lampung Province both partially and simultaneously.Design Methods:The method used is a survey method. The population of this study is all smester V students and above in Islamic Economics Study Program, Islamic Banking. and sharia accounting in all State and Private Universities in Lampung Province, totaling 3080 people. The sampling technique used is proportional grain sampling, as much as 10% of the population of 308 people. Data collected using surveys, with google form. The collected data were analyzed using simple and multiple regression analysis.Findings:Based on the results of the analysis it can be concluded, first, there is a positive and significant influence between the literacy of Islamic finance on Islamic financial inclusion. Second, there is a positive and significant influence between Islamic financial technology on Islamic financial inclusion. Third, there is a positive and significant influence between Islamic financial literacy and Islamic financial technology together on Islamic financial inclusion.Originality Value: Of the two independent variables, sharia financial literacy variables contributed more than sharia financial technology variables to sharia financial inclusion.

scholarly journals The Effect of Financial Literacy and Financial Technology on Student Financial Inclusion of Institute of Social Sciences and Management Stiami Jakarta Bekasi Campus

2020 ◽  
Vol 2 (1) ◽  
pp. 16-27
Author(s):  
Ismi Amalia Romadhon ◽  
Heksawan Rahmadi
Keyword(s):  
Social Sciences ◽  
Financial Literacy ◽  
Financial Services ◽  
Hypothesis Test ◽  
Linear Regression Analysis ◽  
Simple Random Sampling ◽  
Multiple Linear Regression Analysis ◽  
Financial Inclusion ◽  
Test Reliability ◽  
Financial Technology

Financial inclusion is a situation where everyone has access to quality financial services at an affordable cost and a fun way. This research aims to find out the influence of literacy on financial inclusion, to know the influence of financial technolgy on financial inclusion on students of Institute of Social Sciences and Management STIAMI Jakarta Bekasi Campus. The population of this study was a student employee of STIAMI Institute of Social Sciences and Management Jakarta Bekasi Campus and was assigned a sample of 47 respondents, with the method of Simple Random Sampling. The study used questionnaire data collection techniques. Technical analysis of the data used is validity test, reliability, classic assumption, multiple linear, Correlation Coefficient, determination coefficient and hypothesis test. The results of the study based on the t test analysis showed that the financial literacy variable (X1) with a calculated t value of 0.607 > t table 2.01537 or signification 0.547 > 0.05 and variable financial technology (X2) with a calculated value of 3.895 > t table 2.01537 or signification of 0.000 < 0.05, it is said that only financial technology variables (X2) have a significant effect on financial inclusion variables (Y). While the F test results show that independent variables (price and product quality) have a simultaneous influence on dependent variables (purchasing decisions) with a value of F count 10,476 > F table 3.20 or signification of 0.000 < 0.05.. so Ho was rejected and Ha accepted. Based on multiple linear regression analysis the model or equation is Y = 64,392 + 0.095 (X1) + 1,140 (X2).

Pengaruh Literasi Keuangan, Financial Technology, dan Gaya Hidup terhadap Perilaku Keuangan Guru Taman Kanak-Kanak

2021 ◽  
Vol 4 (2) ◽  
pp. 290-307
Author(s):  
M Iqbal Zarkasyi
Keyword(s):  
Financial Literacy ◽  
Sampling Technique ◽  
Total Sample ◽  
Teaching Profession ◽  
Point Of View ◽  
Financial Behavior ◽  
Public And Private ◽  
Teacher Qualification ◽  
The Government ◽  
Financial Technology

The current teaching profession is very promising in terms of income, especially for those who have obtained a professional diploma. The government provides additional income or allowances for public and private teachers through a teacher qualification certification program. The government is trying to improve the professionalism of teachers, but in reality, there are not a few teachers who view from the wrong point of view that the professional allowance is a teacher's right and a government obligation. The purpose of this study was to determine the effect of financial literacy, financial technology, and lifestyle on financial behavior in kindergarten teachers in the Sukolilo District, Surabaya City. Determination of the sample using the slovin method with purposive sampling technique resulted in a total sample of 74 respondents. The data analysis technique used is Partial square (PLS). The results of this study indicate that financial literacy has a positive and significant effect on financial behavior, financial technology is not significant to financial behavior, and lifestyle has a positive and significant effect on financial behavior.

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (01) ◽  
pp. 37
Author(s):  
Wahyudi Wahyudi ◽  
Brigitta Azalea Pulo Tukan ◽  
Dahlia Pinem
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Partial Least Square Analysis ◽  
Analysis Technique ◽  
Positive Effect ◽  
Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

scholarly journals Analisis Pengaruh Literasi Keuangan, Financial Technology, dan Demografi terhadap Inklusi Keuangan pada Masyarakat di Kota Surabaya

2020 ◽  
Vol 8 (4) ◽  
pp. 1233
Author(s):  
Adinda Novita Sari ◽  
Achmad Kautsar
Keyword(s):  
Financial Literacy ◽  
Industrial Revolution ◽  
Statistical Tests ◽  
Financial Inclusion ◽  
Independent Variables ◽  
Analysis Technique ◽  
Quota Sampling ◽  
The City ◽  
Positive Effect ◽  
Financial Technology

Financial inclusion is one of the interesting discussions in global economic development. Indonesia is a country in ASEAN which has the most rapid increase in financial inclusion in recent years. In the era of the industrial revolution 4.0, everyone is required to be able to follow the development of existing technology and information. This study aims to determine the influence of independent variables (financial literacy, financial technology, demographics) on the dependent variable (financial inclusion) in the City of Surabaya. This study is a causality study with quota sampling. The data of this study is quantitative by collecting data by questionnaire. The data analysis technique used is multiple linear regression. The result of this study based on t statistical tests show that financial literacy, age, and education have a positive effect on financial inclusion. While the variables financial technology, gender, and income did not affect on financial inclusion. Based on the statistical test f, all of the independent variables simultaneously influence the dependent variable (financial inclusion).

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