scholarly journals Financial Inclusion and Financial Literation for ‘Laku Pandai’ Customers

2019 ◽  
Author(s):  
Achmad Slamet ◽  
Arief Yulianto ◽  
Siti Ridloah ◽  
Kris Brantas Abiprayu
Keyword(s):  
Data Analysis ◽  
Financial Literacy ◽  
Interval Data ◽  
Financial Inclusion ◽  
Primary Data ◽  
Supply Side ◽  
Logit Regression ◽  
Central Java ◽  
Central Java Province

Thepurposeofthisstudyistodeterminetheleveloffinancialliteracyandtheimpactof financialliteracyondecisionsonaccessanduseoffinancialservicesfor‘LakuPandai’ customers. The primary data used is from ‘Laku Pandai’ customers in Semarang City, Central Java Province. Data analysis using logit regression, with the scale of interval data on financial literacy is the interval. Whereas, the scale of the data on financial inclusionisnominal.Theresultsofthestudyindicatethatfinancialliteracywillincrease theprobabilityof1time inusing bankingaccessandservices.Thisisbecause banking information has been conveyed to ‘Laku Pandai’ customers. Thus, supply side or financial inclusion is not solely caused by financial literacy, but rather by information provided by banks to ‘Laku Pandai’ customers.

scholarly journals The Existence of Post Reform Agricultural Extension Institutional

2019 ◽  
Vol 2 (3) ◽  
pp. 495-511
Author(s):  
Devie Purwitasari
Keyword(s):  
Data Analysis ◽  
Qualitative Method ◽  
Agricultural Extension ◽  
Primary Data ◽  
Institutional Changes ◽  
Central Java ◽  
Document Collection ◽  
The Impact ◽  
Depth Interviews ◽  
Central Java Province

The purpose of this study is to analyze the existence of agricultural extension institutions in Central Java Province. The variables used include institutional changes and the impact of institutional changes. The method of data analysis in this study is a descriptive qualitative method with the model of Miles and Huberman with the validity test of triangulation data. The types of data used are primary data from the Agriculture and Plantation Office of Central Java Province, the Office of Environment and Forestry of Central Java Province, the Semarang City Fisheries Office and Farmers in Central Java Province. Retrieval of data through in-depth interviews, document collection, and documentation. The results showed that institutional change was very dynamic since the formation of the institution. Institutional changes occur because of the evolution of laws and their forced nature. Therefore the institution of agricultural extension does not exist. However, so far the community is still getting a good impact from the extension activities because institutional changes do not reduce the performance of extension workers in the community. It's just that extension workers have not been intensive because the numbers are very minimal. This is overcome by the instructor by making a priority when conducting counseling. Tujuan penelitian ini adalah untuk menganalisis eksistensi kelembagaan penyuluhan pertanian di Provinsi Jawa Tengah. Variabel yang digunakan meliputi perubahan kelembagaan dan dampak perubahan kelembagaan. Metode analisis data dalam penelitian ini adalah metode deskriptif kualitatif dengan model Miles dan Huberman dengan uji keabsahan data triangulasi. Jenis data yang digunakan adalah data primer dari Dinas Pertanian dan Perkebunan Provinsi Jawa Tengah, Dinas Lingkungan Hidup dan Kehutanan Provinsi Jawa Tengah, Dinas Perikanan Kota Semarang dan Petani di Provinsi Jawa Tengah. Pengambilan data melalui wawancara mendalam, pengumpulan dokumen, dan dokumentasi. Hasil penelitian menunjukkan bahwa perubahan kelembagaan sangat dinamis sejak dibentuknya kelembagaan. Perubahan kelembagaan terjadi karena evolusi undang-undang dan sifatnya dipaksakan. Oleh karena itu kelembagaan penyuluhan pertanian sudah tidak eksis. Namun, sejauh ini masyarakat masih tetap mendapatkan dampak baik dari kegiatan penyuluhan karena perubahan kelembagaan tidak mengurangi kinerja penyuluh di masyarakat. Hanya saja penyuluh belum intensif karena jumlahnya sangat minim. Hal ini diatasi oleh penyuluh dengan membuat prioritas saat melakukan penyuluhan.

scholarly journals ANALISIS PERMINTAAN DAN PENAWARAN LULUSAN SMK DALAM PEMENUHAN PASAR TENAGA KERJA

2019 ◽  
Vol 9 (2) ◽  
Author(s):  
Novrian Satria Perdana
Keyword(s):  
Data Analysis ◽  
Foreign Language ◽  
Language Skills ◽  
Primary Data ◽  
Limited Ability ◽  
Central Java ◽  
Qualitative Approaches ◽  
Primary Data Analysis ◽  
Central Java Province ◽  
Foreign Language Skills

The objectives of this study are (1) to analyze DUDI demand on the competence ofvocational graduates in an effort to achieve a balance of the labor market, and (2) analyzethe supply of vocational graduates needed by DUDI in an effort to achieve a balance of thelabor market. In this study using qualitative approaches primary data analysis methods.This research was conducted in Central Java Province in 2018. The results of this studyare: (1) the qualifications of the workforce needed for DUDI in the middle to upper scaleare primarily having a certificate of competence, having IT and foreign language skills,and having experience working in the field the same for 1 year, and (2) the competencies ofvocational graduates produced have been sought to adjust DUDI's needs, but there arelimitations in the ability of vocational graduates because of the lack of facilities andinfrastructure in schools and the limited ability of educators.

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 Pengaruh Indikator Keuangan Terhadap Pertumbuhan Ekonomi Sektor Industri Pengolahan di Provinsi Jawa Tengah

2020 ◽  
Vol 4 (2) ◽  
pp. 404
Author(s):  
Tulus Tulus ◽  
Abdul Aziz Ahmad ◽  
Suharno Suharno
Keyword(s):  
Economic Growth ◽  
Data Analysis ◽  
Panel Data ◽  
Manufacturing Sector ◽  
Working Capital ◽  
Processing Industry ◽  
Central Java ◽  
Analysis Technique ◽  
Central Java Province ◽  
The Ideal

The number of industries in Central Java Province has experienced a significant increase, however, economic growth in the of the manufacturing sector is experiencing a slowdown. This study aims to analyze the effect of processing industry credit, working capital credit, investment credit, regional minimum wages and investment on the economic growth of the manufacturing sector in Central Java Province in 2011-2018. The data analysis technique used multiple linear regression with panel data with eviews sofware . The results showed that working capital credit has a positive and significant effect on economic growth in the of the manufacturing sector in Central Java Province in 2011-2018. The regional minimum wage has a negative and significant effect on the economic growth of the of the manufacturing sector in Central Java Province in 2011-2018. Processing industry credit, investment and investment credit not a significant on economic growth of the of the manufacturing sector in Central Java Province in 2011-2018. This research implies the need to increase working capital credit distribution and  the need to necessary to determine the ideal UMR.  

scholarly journals Financial Literacy, Risk Tolerance, and Financial Management of Micro-enterprise Actors

Society ◽  
2021 ◽  
Vol 9 (1) ◽  
pp. 174-186
Author(s):  
Heni Hirawati ◽  
Yacobo P Sijabat ◽  
Axel Giovanni
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Research Method ◽  
Business Owners ◽  
Risk Tolerance ◽  
Central Java ◽  
The Poor ◽  
Central Java Province ◽  
Micro Enterprises ◽  
Special Region

Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy andtolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.

scholarly journals KOMODITAS POTENSIAL TANAMAN PALAWIJA DI KABUPATEN BLORA PROVINSI JAWA TENGAH

2019 ◽  
Vol 5 (2) ◽  
pp. 368
Author(s):  
Agus Yuniawan Isyanto ◽  
Sudrajat Sudrajat ◽  
Muhamad Nurdin Yusuf ◽  
Ane Novianty ◽  
Beniidzar M. Andrie ◽  
...  
Keyword(s):  
Economic Development ◽  
Data Analysis ◽  
Sweet Potato ◽  
Location Quotient ◽  
Central Java ◽  
Basic Commodity ◽  
Central Java Province

Identification of potential commodities needs to be done in the context of the economic development of a region. This research was carried out with the aim of identifying potential commodities of secondary crops in Blora District, Central Java Province. Data analysis was carried out using the Location Quotient (LQ) method. The results showed that corn was a base commodity for Randublatung, Kradenan, Sambong, Jiken, Bogorejo, Jepon, Banjarejo, and Tunjungan Subdistricts and Blora City. Soybean is a base commodity for Jati, Kedungtuban, Japah and Kunduran Subdistricts. Peanuts are the base commodity for Kedungtuban, Cepu, Japah and Todanan Subdistricts. Mung beans are a basic commodity for Jati, Cepu, Sambong, Japah, Ngawen and Kunduran Subdistricts. Sweet potato is a base commodity for Kradenan, Sambong, Tunjungan and Ngawen Subdistricts, and Blora City. Cassava is a commodity base for the Kradenan, Sambong, Jiken, Banjarejo, Japah and Ngawen Districts

scholarly journals Kesiapan Penggunaan Uang Elektronik Sebagai Fasilitas Penyaluran Dana Program Keluarga Harapan

2018 ◽  
Vol 6 (1) ◽  
pp. 40-47
Author(s):  
Fitria Nur Anggraeni
Keyword(s):  
Mobile Phones ◽  
Financial Institutions ◽  
Financial Literacy ◽  
Group Discussion ◽  
Public Access ◽  
Primary Data ◽  
Electronic Money ◽  
Community Benefits ◽  
Central Java ◽  
Efficiency And Effectiveness

Akses masyarakat terhadap lembaga keuangan merupakan salah satu kunci terwujudnya sistem keuangan yang stabil. Namun data OJK (2015) menunjukan hanya 41% masyarakat Jawa Tengah yang memiliki akses terhadap lembaga keuangan formal. BAPPENAS, BI dan Kementrian Sosial bekrjasama mengkombinasikan uang elektronik dan telefon genggam dalam penyaluran dana Program Keluarga Harapan untuk meningkatkan keuangan inklusif. Penelitian ini bertujuan untuk mengetahui kesiapan masyarakat, manfaat dan hambatan penggunaan uang elektronik dalam penyaluran dana PKH di Desa Genting, Kecamatan Jambu, Kabupaten Semarang.Penelitian ini menggunakan data primer dengan teknik pengambilan sampel populasi. Teknik pengambilan data primer yang digunakan antara lain kuesioner, Forum Group Discussion, Observasi. Teknik analisis data yang digunakan adalah analisis deskripsi pesentase.Hasil penelitian diperoleh bahwa seluruh responden menyatakan sudah siap menggunakan uang elektronik karena memberikan manfaat efisiensi dan efektifitas serta menjadi jembatan awal bagi masyarakat unbanked untuk masuk kedalam sektor keuangan sedangkan kendala yang masih dihadapi masyarakat belum memiliki pengetahuan mengenai uang elektronik serta masih ada yang belum memiliki telefon genggam. Untuk itulah diperlukan peningkatan literasi keuangan agar program tersebut dapat dilaksanakan.   Public access to financial institutions is one key to the realization of a stable financial system. But OJK (2015) showed only 41% of people in Central Java who have access to formal financial institutions. Bappenas, BI and Kementrian Sosial collaboration to combines emoney and mobile phones in the disbursement of funds PKH for increase financial inclusion. This study aims to determine the readiness of the community, benefits and barriers to the use of electronic money in the disbursement of funds CCT Genting Village, District Jambu, Semarang.Penelitian district uses primary data by sampling techniques populations. Primary data collection techniques used include questionnaires, Forum Group Discussion, Observations. Data analysis technique used is pesentase.Hasil description analysis showed that all respondents stated are ready to use electronic money for the benefit of efficiency and effectiveness as well as being a bridgehead for unbanked people to enter into the financial sector, while challenges still faced people had no knowledge about the electronic money and there are those who do not yet have mobile phones. That's necessary to increase financial literacy so that the program can be implemented.

scholarly journals Improving Regional Fiscal Capacity in Central Java Province Indonesia

2020 ◽  
Vol 9 (2) ◽  
pp. 136-143
Author(s):  
Shanty Oktavilia ◽  
Fafurida Fafurida ◽  
Yozi Aulia Rahman ◽  
Ririn Bella Silvia
Keyword(s):  
Good Governance ◽  
Secondary Data ◽  
Primary Data ◽  
Public Confidence ◽  
Regional Government ◽  
Fiscal Capacity ◽  
Central Java ◽  
Administrative Efficiency ◽  
Internal And External Factors ◽  
Central Java Province

This study discusses the development of fiscal capacity in Central Java, Indonesia. The purpose of this study is to analyze internal and external factors that increase regional fiscal capacity, and formulate strategies by analyzing internal and external elements to obtain four alternative strategies namely 'strength - opportunity' strategy, 'strength - threat' strategy, 'weakness - opportunity' strategy and Strategy for 'weaknesses - threats'. This study uses secondary data to analyze indicators of regional fiscal capacity and primary data collected through focused discussions, to analyze strategies. The results of the analysis indicate that there are several main strategies to increase regional fiscal in Central Java Province, namely the program of intensification and extensification of regional taxes; improving the quality of human resources with special competencies in the field of taxation; synergy and internal coordination between regional government institutions; improvement of the supervision system for taxpayers; realizing clear and legal regional regulations, simplifying the mechanism for managing investment licenses in Central Java and optimizing regional revenues through modernizing the collection of taxes and levies by utilizing technology. Modernization of increasing regional fiscal capacity will encourage the achievement of equitable regional revenue, increase public participation, administrative efficiency, consistent law enforcement, and improve the level of public confidence in the implementation of good governance.

scholarly journals IS BEHAVIOR FINANCE AFFECTED BY INCOME, LEARNING FINANCE AND LIFESTYLE?

2021 ◽  
pp. 29-40
Author(s):  
Aulia Rahman ◽  
Asep Risman
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Financial Literacy ◽  
Financial Behavior ◽  
Primary Data ◽  
Significant Positive Effect ◽  
Analysis Technique ◽  
Data Collection Process ◽  
Behavior Finance ◽  
Positive Effect

The purpose of this study is to determine whether there is a relationship between financial behavior based on income, financial literacy and a personal lifestyle. This study uses primary data through a data collection process by distributing questionnaires online (using Google Forms) among the total of 50 respondents. The data analysis technique used here is SPSS, version 25. The results of this study indicate that there is a significant positive effect between financial literacy variables and financial behavior. Meanwhile, income and lifestyle variables seem to have no influence on financial behavior.

scholarly journals Pengaruh Financial Literacy Dan Financial Attitude Terhadap Financial Satisfaction

2021 ◽  
Vol 3 (2) ◽  
pp. 417
Author(s):  
Natasya Putri Himawan ◽  
Hendra Wiyanto
Keyword(s):  
Structural Equation Modeling ◽  
Data Analysis ◽  
Financial Literacy ◽  
Structural Equation ◽  
Primary Data ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Probability Sampling ◽  
Analysis Technique ◽  
Program Version

The purpose of this research is to analyze and find out the impacts of financial literacy and financial attitude towards financial satisfaction. This research uses primary data by spreading online google form questionaire, with non-probability sampling. The samples used in the research are Go-Pay users based in West Jakarta. There are 264 respondents in total, but the usable data was as many as 240 respondents. The data analysis technique used is Structural Equation Modeling (SEM) with Smart-PLS program version 3.3.2. The result of this study show that there is a positive positive impacts between financial literacy and financial attitude towards financial satisfaction of Go-Pay user in West Jakarta. Tujuan dari penelitian ini adalah untuk menganalisa dan mengetahui pengaruh dari financial literacy dan financial attitude terhadap financial satisfaction. Penelitian ini menggunakan data primer melalui proses pengumpulan data dengan cara membagikan kuisioner secara online menggunakan google form serta menggunakan metode non-probability sampling. Sampel dalam penelitian ini adalah pengguna Go-Pay yang berdomisili di Jakarta Barat. Data yang berhasil dikumpulkan berjumlah 264 responden, namun data yang dapat digunakan adalah sebanyak 240 responden. Teknik analisis data yang digunakan adalah Structural Equation Modeling dengan program Smart-PLS versi 3.3.2. Hasil dari penelitian ini menunjukkan bahwa terdapat pengaruh positif antara financial literacy dan financial attitude terhadap financial satisfaction pada pengguna Go-Pay di Jakarta Barat.

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