scholarly journals Financial Literacy of the Banking Sector in Micro and Small Business in Semarang

2020 ◽  
Author(s):  
Karsinah . ◽  
Nurjannah Rahayu Kistanti ◽  
Phany Ineke Putri
Keyword(s):  
Small Business ◽  
Financial Literacy ◽  
Small Businesses ◽  
Banking Sector ◽  
Secondary Data ◽  
Personal Finance ◽  
Primary Data ◽  
General Knowledge ◽  
Literacy Level ◽  
The City

The purposes of this research are to analyze the characteristics and financial literacy of MSMEs in Semarang. The data used are primary data and secondary data. The method used in this study is descriptive quantitative. The sample in this study were small micro-businesses and small businesses in the city of Semarang. The level of financial literacy in Semarang by giving questions as many as 28 questions taken and modified from Chen and Volpe. The results showed that 79% of MSMEs literacy in Semarang was in the medium category, 18% low and 3% high. If viewed further on the financial literacy of MSMEs, it is divided into 4 aspects, they are personal finance knowledge, savings and debts, Investments and insurance aspects. The average MSMEs for general knowledge of personal finance in the medium category was 76.60%, the savings and debts dimension medium category 81.91%, the investment aspect was the medium category 45.74% and the low category 59.57% of MSMEs financial literacy for insurance. This shows that the financial literacy level of SMEs in Semarang still needs to be improved in order to be able to compete and improve business. Keywords: literacy, financial, banking, micro and small business

scholarly journals Establish Relation in Collaborative Governance in Micro and Small Business Development in Palopo City, South Sulawesi Province, Indonesia

2021 ◽  
Author(s):  
M Chairul Basrun Umanailo
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Stakeholder Involvement ◽  
Secondary Data ◽  
Collaborative Governance ◽  
Business Development ◽  
Small Business Development ◽  
South Sulawesi ◽  
Information And Communication ◽  
The City

Micro and small businesses are businesses that built with a variety of vulnerabilities both in terms of capital capacity and managerial capacity of marketing and production. Micro and small business development will only be able to be carried out if there is a comprehensive synergy with multi-stakeholders that woven and accommodated and integrated through the advancement of information and communication technology. Analysis of the development of micro and small businesses uses a qualitative approach by utilizing the application of Nvivo 12 plus in conducting the contents analysis of the number of literature collaborated with secondary data related to the conditions of micro and small businesses in the City of Palopo. The results of the study refer to recommendations to strengthen the collaboration patterns of various stakeholders and broaden the scope of stakeholder involvement. Expansion of stakeholder involvement is maintained and accommodated through the integration of digitalized data so that more comprehensive, updated, and continuous information and communication can use as material for decision making in the development of micro and small businesses.

scholarly journals Financial Literacy and its Impact on Funding Source’s Decision-Making

2020 ◽  
Vol 6 (1) ◽  
pp. 1
Author(s):  
Mirza Hedismarlina Yuneline ◽  
Usdi Suryana
Keyword(s):  
Decision Making ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Participation Rate ◽  
Primary Data ◽  
Funding Decision ◽  
Low Level ◽  
Literacy Level ◽  
Medium Enterprises

Small and Medium Enterprises (SMEs) plays a significant role for the economic development of a country. Specifically, the existence of SMEs is to contribute in poverty alleviation through job creation. However, not many SMEs can survive and grow their business due to limited access to obtain resources such as financial, technological, and human resources. One of the factors that inhibit the development of MSMEs in Indonesia is the lack of knowledge and management of personal finance. In addition, the participation rate of SMEs to financial institutions is still very low, with only 30% able to access financing. This study aims to analyse the level of financial literacy, the factors that affect the level of financial literacy, and the correlation between the level of financial literacy (proxied by general knowledge, risk management, savings and credits, and investment) with funding decision. The data used are primary data and secondary data, with data collection methods conducted in this study are literature studies, interviews and questionnaires with SMEs in Bandung, Indonesia, with a sample used as many as 97 respondents. The respondents’ financial literacy in low level on general financial knowledge, savings & credits, and investment. But they have medium financial literacy level on insurance. The data processed using discriminant analysis, shows that the average financial literacy level which is in low level and has no effect on funding decision-making.

scholarly journals Persepsi masyarakat tentang hukum syariah menabung di Bank dan tingkat literasi keuangan syariah

2019 ◽  
Vol 2 (2) ◽  
pp. 135-145
Author(s):  
Atep Hendang Waluya
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Quantitative Methods ◽  
Primary Data ◽  
Islamic Banks ◽  
The People ◽  
Literacy Level ◽  
Conventional Banks ◽  
The Relationship ◽  
The City

This study has three objectives. First, to find out the people of Tangerang City perception aboutsharia law regarding saving in Islamic and conventional banks. Second, to find out their Islamicfinancial literacy level. And third, to determine the relationship between their perceptions and theirIslamic financial literacy level. This study uses quantitative methods with primary data collectedby integrating questionnaires in 13 sub-districts in the city of Tangerang. The method used todetermine the number of samples is the Slovin formula, while data analysis uses the Kendall’sTau correlation. This study produced several findings. First, the perception of the Tangerang citypeople about the law of saving in Islamic banks is dominated by the answer recommended, whilethe saving law in conventional banks according to the majority of the people of Tangerang City ispermissible. Second, the level of sharia financial literacy in Tangerang City is low, with the lowestindicators are their skills in using Islamic financial services. Third, there is a strong relationshipbetween the people of Tangerang City perception about sharia law saving in banks with the levelof Islamic financial literacy.

scholarly journals Analysis of Financial Literacy Levels and Financial Behavior of Investment Decisions with Income as Moderating

2019 ◽  
Vol 1 (6) ◽  
Author(s):  
Baiq Fitri Arianti ◽  
Khoirunnisa Azzahra ◽  
Anggun Putri Romadhina
Keyword(s):  
Data Collection ◽  
Significant Influence ◽  
Financial Literacy ◽  
Investment Decisions ◽  
Secondary Data ◽  
Simple Random Sampling ◽  
City Government ◽  
Financial Behavior ◽  
Primary Data ◽  
The City

This study to analyze the level of financial literacy and financial behavior towards investment decisions with income as a moderating variable in UMKM South Tangerang city actors. The population in this study were all UMKM in the city of South Tangerang. The sample method in this study uses a simple random sampling method, namely the Slovin formula so that a sample size of 393 UMKM actors can be obtained. The data used in this study are primary and secondary data. The primary data source was obtained from distributing questionnaires to all UMKM in South Tangerang City who were the study population. Secondary data sources (supporting) in the form of documents owned by the South Tangerang City Government Office relating to the UMKM sector and other supporting data, namely the mass media, BPS, previous research results, books and other references related to this study. In this study primary data were obtained from the first source, namely the UMKM of the city of South Tangerang. The primary data collection techniques in this study are a) Observation, b) Library Research, c) Questionnaire / Questionnaire is a data collection technique that is done by giving a set of questions or written statements to respondents to be answered using a Likert scale. Then the data analysis technique in this study is Moderated Regression Analysis (MRA) with the help of the SPSS 22.0 program. The results showed that that financial literacy affects investment decisions on UMKM actors, financial behavior variables influence investment decisions, income variables cannot moderate the significant influence of financial literacy on investment decisions and income variables cannot moderate the significant influence of financial literacy on investment decisions.

scholarly journals Descriptive Analysis of Financial Literacy SMEs in Bandung

2021 ◽  
Vol 12 (1) ◽  
pp. 9-15
Author(s):  
Asni Harianti ◽  
Maya Malinda ◽  
Miki Tjandra ◽  
Devas Kambuno
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Management Training ◽  
Primary Data ◽  
Five Dimensions ◽  
The Government ◽  
The City

One of the supporting factors for the success of MSME is determined by the intelligence of managing finances or known as financial literacy. Financial literacy is a basic requirement that must be possessed by MSME entrepreneurs which is closely related to the knowledge of personal and business financial management, as well as knowledge to gain access to capital through financial services or institutions. This descriptive study aims to see a picture of the level of financial literacy in SMEs in Bandung. The type of data used in this study are primary data and secondary data Primary data obtained through surveys using a questionnaire to see the level of financial literacy (Financial Fitness Quis / FFQ) developed by O'Neil. The questionnaire consisting of 20 practical financial statements, covering 5 (five) dimensions of financial management, was distributed to 343 SMEs in the city of Bandung. Secondary data obtained through observation and study of literature relating to research problems. The results of the study show that MSMEs in the city of Bandung must take actions that need to be considered in the future to improve their finances to avoid financial difficulties. As a form of concern for MSMEs in the city of Bandung and as a form of support for the government, researchers are trying to alleviate the illiteracy of financial actors of MSMEs through appropriate financial management training and making of a simple financial application program SAKA (peSAK Abdi).

Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan Masyarakat terhadap Minat Menabung di Bank Syariah

2020 ◽  
Vol 3 (2) ◽  
pp. 140-153
Author(s):  
Resti Fadhilah Nurrohmah ◽  
Radia Purbayati
Keyword(s):  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Public Trust ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Public Confidence ◽  
Islamic Banks ◽  
Variable Level ◽  
Analysis Technique ◽  
The City

The purpose of this study was to study the level of Islamic financial literacy and public confidence in the interest in saving in Islamic banks. The variables in this study are the level of Islamic financial literacy (X1), public trust (X2), and interest in saving (Y).The method of this study is descriptive quantitative approach. The data source of this study are primary data obtained by distributing questionnaires. Respondents taken are residents in the city of Bandung, with samples domiciled in the city of Bandung and at least 17 years old. The data analysis technique uses multiple linear regression analysis. The results showed that the variable level of islamic financial literacy and public trust has positive effect in the interest in saving in Islamic banks. The findings in this study provide a reference to Islamic banks, the level of literacy and public trust regarding interest in saving, therefore Islamic banks must socialize to the public.

Cyber crimes in the banking sector: Case study of Vietnam

2020 ◽  
Vol 6 (05) ◽  
Author(s):  
LE Thanh Tam ◽  
Nguyen Minh Chau ◽  
Pham Ngoc Mai ◽  
Ngo Ha Phuong ◽  
Vu Khanh Huyen Tran
Keyword(s):  
Financial Literacy ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Legal Framework ◽  
Economic Sectors ◽  
Technological Revolution ◽  
Survey Results ◽  
Cyber Crimes

The technological revolution 4.0 brings great opportunities, but also cybercrimes to economic sectors, especially to banks. Using secondary data and survey results of 305 bank clients, the main findings of this paper are: (i) there are several types of cybercrimes in the banking sector; (ii) Vietnam is one of the top countries worldwide having hackers and being attacked by hackers, especially the banking sector. Three most common attacks are skimming, hacking and phishing. Number of cybercrime attacks in Vietnam are increasing rapidly over years; (iii) Vietnamese customers are very vulnerable to cybercrime in banking, as more than 58% seem to hear about cybercrimes, and how banks provide services to let them know about their transactions. However, more than 50% do not have any deep knowledge or any measures for preventing cybercrime; (iii) Customers believe in banks, but do not think that banks can deal with cybercrime issues well. They still feel traditional transactions are more secure than e-transactions; (iv) the reasons for high cybercrimes come from commercial banks (low management and human capacity), supporting environment (inadequate), legal framework (not yet strong and strict enough on cybercrimes), and clients (low level of financial literacy). Therefore, several solutions should be carried out, from all stakeholders, for improving the cybersecurity in Vietnamese banks. 

ANALISIS HUKUM PIDANA DENDA PELANGGARAN LALU LINTAS DI KOTA BENGKULU (DITINJAU DARI UNDANG-UNDANG NOMOR 22 TAHUN 2009 TENTANG LALU LINTAS DAN ANGKUTAN JALAN)

2019 ◽  
Vol 2 (1) ◽  
pp. 24-33
Author(s):  
Apen Diansyah
Keyword(s):  
Death Penalty ◽  
Criminal Law ◽  
Secondary Data ◽  
Criminal Code ◽  
Primary Data ◽  
Economic Factors ◽  
Inhibiting Factors ◽  
Library Research ◽  
The Law ◽  
The City

ABSTRAKPenelitian ini ditujukan untuk mengetahui penerapan denda terhadap pelanggar berlalu lintas di kota Bengkulu ditinjau dari Undang-undang Nomor 22 Tahun 2009, serta untuk mengetahui faktor penghambat dalam penerapan pidana denda terhadap pelanggar barlalu lintas di Kota Bengkulu. Penelitian dilaksanakan disatuan lalu lintas Polres dan Polda Kota Bengkulu. Adapun data yang didapatkan adalah data primer dan data sekunder melalui penelitian lapangan dan penelitian kepustakaan, kemudian data dianalisis dengan cara deskriptif. Peraturan yang tertera pada undang-undang yang tertera sepenuhnya untuk meningkatkan kesadaran untuk setiap pelanggar yang melakukan pelanggaran, tetapi pada kota Bengkulu undang-undang tersebut tidak sepenuhnya berjalan efektif. Menurut pandangan Undang-undang 22 Tahun 2009, penerapan pidana denda masuk dalam kategori pidana pokok (sesuai Pasal 10 KUHP) sebagai urutan terakhir atau keempat, sesudah pidana mati, pidana penjara dan pidana kurungan. Selain dari itu, faktor penghambat keefektifan Undang-undang seperti faktor ekonomi, faktor kedekatan emosional dan faktor kekebalan institusional.Kata kunci: tindak pidana; hukum pidana; dendaABSTRACTThis study aims to determine the application of violators from cities in Bengkulu in terms of Law Number 22 of 2009, and to find out the inhibiting factors in the application of fines to traffic violators in the city of Bengkulu. The research was carried out in the traffic city of the City Police of the City of Bengkulu. The data obtained are primary data and secondary data used for library research and research, then the data are analyzed descriptively. The regulations stated in the law that are fully stated to increase awareness for every offender who commits an offense, but in the city of Bengkulu the law is not fully effective. According to the view of Law 22 of 2009, the application of criminal fines falls into the main criminal category (according to Article 10 of the Criminal Code) as the last or fourth order, after the death penalty, imprisonment and imprisonment. Apart from that, factors inhibiting the effectiveness of the law such as economic factors, emotional proximity factors and institutional immune factors.Keywords: crime; criminal law; fines

London’s local Olympic legacy

2019 ◽  
Vol 12 (2) ◽  
pp. 142-163 ◽  
Author(s):  
Michael B. Duignan
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Local Development ◽  
Secondary Data ◽  
Business Failure ◽  
Business Policy ◽  
Content Type ◽  
Business Sustainability ◽  
Ex Post ◽  
Small Business Sustainability

PurposeLondon’s Candidature bid projected an irresistible legacy of lasting benefits for host communities and small businesses. Yet, local post-Games perspectives paint a contrasted picture – one of becoming displaced. This paper aims to draw on event legacy, specifically in relation to rising rents, threats to small business sustainability and impact on place development by empirically examining London’s localembryonic legaciesforming across one ex-hosting Olympic community: Central Greenwich.Design/methodology/approachIn total, 43 interviews with local businesses (specifically, small retailers and hospitality businesses), local authorities, London-centric and national project actors and policymakers underpin analysis, supported by official London 2012 archival, documentary and media reports, were conducted to add texture and triangulate primary and secondary data sources.FindingsJuxtaposing ex ante projections vs emerging ex post realities, this paper reveals a local legacy of small business failure fuelled by rising commercial rents and a wider indifference for protecting diverse urban high streets. Embroiled in a struggle to survive, and barely recognised as a key stakeholder and contributor to legacy, small businesses have and continue to become succeeded by a new business demographic in town: monochromatic global and national chains. Typifying the pervasive shift toward clone town spaces, this article argues that corporate colonisation displaces independent businesses, serves to homogenise town centres, dilute place-based cultural offer and simultaneously stunts access to a positive local development legacy. This paper argues that such processes lead to the production of urban blandscapes that may hamper destination competitiveness.Originality/valueExamining event legacy, specifically local legacies forming across ex-host Olympic communities, is a latent, under-researched but vital and critical aspect of scholarship. Most event legacy analysis focuses on longer-term issues for residents, yet little research focuses on both local placed-based development challenges and small business sustainability and survival post-Games. More specifically, little research examines the potential relationship between event-led gentrification, associated rising rents and aforementioned clone town problematic. Revealing and amplifying the idiosyncratic local challenges generated through an in-depth empirically driven triangulation of key local business, policy, governmental and non-governmental perspectives, is a central contribution of this article missing from extant literatures. This paper considers different ways those responsible for event legacy, place managers and developers can combat such aforementioned post-Games challenges.

scholarly journals Customer Relationship Management In Banking Sector Case Study Of Conventional Banks

2021 ◽  
Vol 2 (6) ◽  
pp. 2136-2142
Author(s):  
Dennis Rydarto Tambunan ◽  
Heru Kreshna Reza ◽  
Melly Susanti ◽  
Sabri
Keyword(s):  
Customer Relationship Management ◽  
Financial Services ◽  
Customer Value ◽  
Banking Sector ◽  
Relationship Management ◽  
Secondary Data ◽  
Customer Relationship ◽  
Primary Data ◽  
Public Sector Banks ◽  
Conventional Banks

The importance of Customer Relationship Management (CRM) to help businesses acquire new customers, retain existing ones and maximize their lifetime value. This paper discusses the role of Customer Relationship Management in 4 bank units and the need for Customer Relationship Management to increase customer value by using several analytical methods in CRM applications. This paper attempts to identify the technological revolution witnessed by commercial banks and to what extent it has benefited banks to build better customer relationship management (CRM) services between public sector banks and private sector banks. The purpose of this study is 1) to analyze customer opinions about bank CRM in relation to service quality management. 2) To find out the customer's opinion about the bank's CRM on customer relationship management. This study uses primary and secondary data. Primary data will be collected by distributing structured questionnaires to conventional banks (Private and Government). Secondary data will be collected from records published by the financial services authority (OJS), standard textbooks and published research papers, and through web information. The primary data required will be collected from 6 banks in Bengkulu. In addition to collecting information from banks, it also collects information from the general public who have bank accounts.  

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