scholarly journals Alms-Giving and Financial Management

2020 ◽  
Author(s):  
Grisvia Agustin ◽  
Agus Sumanto ◽  
Muhammad Hasyim Ibnu Abbas ◽  
Lustina Fajar Prastiwi ◽  
Santi Merlinda
Keyword(s):  
Financial Management ◽  
Profit Maximization ◽  
Personal Finance ◽  
Primary Data ◽  
Personal Factors ◽  
Causality Test ◽  
Wealth Maximization ◽  
Finance Management ◽  
Economic Decision Making ◽  
The Individual

Objectives of financial management may be broadly divided into two parts such as profit maximization and wealth maximization. But alms-giving doesn’t have any connection with profit maximization or wealth maximization. Giving of alms is individual spending with non-profit oriented. Alms-giving objective for religious reason only to obey God’s order. In macro economics and micro-economics theory there are alms component as spending. Because alms-giving is better to be spent secretly. The research aims to analyze causality relationship between giving of alms with individual financial management using Econometric analysis Toda-Yamamoto causality test with E-views software. Purposive sampling method is employed to get primary data from respondents. Personal finance management is an activity that involves all the individual financial decisions, which includes budgeting, saving, insurance, mortgages. When a person plans his personal finance, he needs to take a range of financial products and other personal factors into consideration. Personal finance management has a huge influence on one’s life and future. Respondents comes from various region with various occupation and income with various religion background. Research analysis finds overwhelming support for the idea which optimism impacts economic decision-making by proving that alms affect financial management. Keywords: Alms-giving, financial management, Toda-Yamamoto causality test

PENGETAHUAN KEUANGAN DI KALANGAN MAHASISWA

2016 ◽  
Vol 2 (2) ◽  
pp. 118
Author(s):  
Kusumadyahdewi Kusumadyahdewi
Keyword(s):  
Financial Management ◽  
Personal Finance ◽  
Savings And Loans ◽  
The Public ◽  
Finance Management ◽  
Financial Firms ◽  
Financial Products ◽  
Personal Finances ◽  
Level Of Knowledge ◽  
The Subject

Currently, variety of banking products to facilitate customer transactions. So it is important to know about the knowledge of finance, including financial products. This research measures the student's understanding on financial knowledge consists of knowledge of personal finance, savings and loans, insurance, investment. The student has followed the course of accounting and financial management largely discusses financial firms, but researchers always explains its application to personal finances when teaching the subject. Measurement of the level of knowledge using questionnaires, then measured using the percentage of correct answers. Knowledge of personal financial management has been good, while knowledge of savings and loans, insurance, investments are at a low level. This study has shown the importance of improving the material being taught on the subject to expand the application on personal financial management, and understanding of banking products, insurance and investment, because students will also go to the public where it will be related to its financial problems. so hopefully with his knowledge of finance can finish well. <br /><strong>Keywords</strong>: personal finance management

scholarly journals Pengaruh Akuntabilitas Keuangan Daerah, Value For Money, Kejujuran, Transparansi, Dan Pengawasan Terhadap Pengelolaan Keuangan Daerah (Studi Kajian Pada Pemerintah Kabupaten Labuhanbatu Pusat)

2021 ◽  
Vol 6 (2) ◽  
pp. 175-185
Author(s):  
Fredo TSP Hasugian ◽  
Ricky Ary Syahputra ◽  
Aulia Rahman Harahap
Keyword(s):  
Financial Management ◽  
Sampling Method ◽  
Primary Data ◽  
Value For Money ◽  
Analysis Techniques ◽  
Financial Accountability ◽  
Regional Finance ◽  
Finance Management ◽  
Unit Unit ◽  
Local Work

This study aims to examine the influence of local financial accountability, value for money, honesty, transparency and supervision of local financial management. The sample of this research is all SKPD (Local Work Unit Unit) as user of budget related to regional finance management at Regency Government of Labuhanbatu amounting 36 SKPD and 36 Committing Officer of Commitment so amounted 72 person. Sampling method is census method, and data used is primary data. Data were collected by distributing the queryer directly submitted to the respondent. Data analysis techniques use path analysis with the help of SmartPLS 3 program. The results of this study show that value for money, honesty, transparency and oversight have positive and significant correlation to Regional Financial Management, while Regional Financial Accountability has negative and significant correlation to Regional Financial Management.

scholarly journals DETERMINAN AKUNTABILITAS KINERJA PEMERINTAH DI KABUPATEN LOMBOK BARAT

2018 ◽  
Vol 2 (2) ◽  
pp. 271-290
Author(s):  
Andi Permana Putra ◽  
Akram Akram ◽  
Hermanto Hermanto
Keyword(s):  
Local Government ◽  
Internal Control ◽  
Financial Management ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Total Sample ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Finance Management

The purpose of this study is to analyze and prove the factors that affect the accountability of government performance in financial management, especially in West Lombok regency. Issues of accountability are phenomena and have always been the spotlight in the community, especially the low quality of government agencies' performance in managing local finances that often have an impact on the abuse of authority. Factors that degrade the quality of accountability to the local government is the lack of budget targeting and reporting. Besides it is still less than optimal implementation of performance-based budgeting and internal controls over financial management. This research is an explanatory research. The data in this study are primary data collected using questionnaires. The total sample is 87 regional finance management officials determined using disproportional stratified random sampling technique. Data analysis used in this research is multiple linear regression analysis. This study proves that the implementation of performance-based budgeting, internal control, clarity of budget targets and reporting have a positive effect on the performance accountability of local government financial management.

scholarly journals ASSESSMENT OF PERSONAL FINANCE MANAGEMENT AMONG TRANSPORT LOGISTICS STUDENTS'

2017 ◽  
Vol 4 ◽  
pp. 223
Author(s):  
Jurgita Ginavičienė ◽  
Indrė Sprogytė ◽  
Juras Preikšaitis
Keyword(s):  
Financial Management ◽  
Quantitative Research ◽  
Personal Responsibility ◽  
Demographic Data ◽  
Personal Finance ◽  
Practical Training ◽  
Short Term ◽  
Finance Management ◽  
Data Form ◽  
Transport Logistics

The article presents the results of quantitative research carried out with 305 Vilnius Technologies and Design College transport logistics students in Lithuania. The research focused on the students’ personal financial management. During 2016 the practical training they filled out an electronic demographic data form online and evaluated their personal financial management. The results revealed that transport logistic students assume personal responsibility for their personal financial management. They have short-term goals –at a profitable period to accumulate resources for periods when revenues are not sufficient. The maximum amounts of transport logistic students costs involved food, stationary expenses, presents, taxes.

scholarly journals Pengaruh Transparansi, Akuntabilitas Dan Partisipasi Terhadap Pengelolaan Keuangan Kelurahan Di Kecamatan Kartoharjo Kota Madiun

2020 ◽  
Vol 1 (2) ◽  
pp. 94-104
Author(s):  
Wahyuningtyas Mutiara Putri ◽  
Rusbiyanti Sripeni ◽  
Andri Hasmoro Kusumo Broto
Keyword(s):  
Financial Management ◽  
Qualitative Method ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Finance Management ◽  
Urban Village ◽  
Descriptive Approach ◽  
Spss Software ◽  
Program Version

Abstract— This study aims to find out how far the implementation of transparency, accountability and participation of village finance management in Kartoharjo Subdistrict Madiun City.The research method used is qualitative method with descriptive approach. Respondents in this research are 52 kelurahan in manguharjo urban village. Data collection techniques used in the form of interviews, observations and questionnaires. Data obtained from the primary data by using questionnaires, data analysis techniques using multiple linear regression analysis with SPSS software program version 23.00 for windows and hypothesis testing is done by using the F test. The results of this study indicate that transparency posistif influence on village financial management, while accountability and participation have no effect on the management of village finance. Keywords—: Kelurahan Financial Management; Transparency; Accountability; Participatio.

scholarly journals African Generation Y students’ personal finance behavior and knowledge

2020 ◽  
Vol 17 (4) ◽  
pp. 136-144
Author(s):  
Marko van Deventer
Keyword(s):  
Generation Y ◽  
Financial Management ◽  
Personal Finance ◽  
Financial Knowledge ◽  
Public Higher Education ◽  
Gauteng Province ◽  
Convenience Sample ◽  
African Students ◽  
Finance Management ◽  
Personal Finances

Personal financial management is important, given uncertainties in both financial and economic environment. However, published research on African Generation Y students’ personal finance behavior and knowledge is limited. This study aimed to evaluate African Generation Y students’ personal finance behavior in terms of their attitudes towards financial planning and whether this cohort believes that they have the skills to manage their finances successfully. In addition, this study sought to evaluate African Generation Y students’ knowledge regarding personal finance. A convenience sample of 500 African students across the campuses of two South African public higher education institutions situated in the Gauteng province was surveyed using structured, self-administered questionnaires. The t-test results indicate that the sample deems the process of planning personal finances and managing credit, insurance, investment, and estate, as important. Moreover, the students scored low in the broad personal finance knowledge areas of basic finance, saving, spending, and debt, suggesting that this cohort is financially illiterate. The results also indicated that the students think they have the financial skillset to manage their personal finances. A high Pearson’s correlation coefficient was noted between sampled participants’ personal finance behavior and their observed personal finance management skillset regarding the relationship between the constructs. However, an insignificant relationship was found between attitudes towards personal finance and financial knowledge and between financial knowledge and African Generation Y students’ apparent finance skills. Understanding African Generation Y students’ personal finance behavior and knowledge, universities and financial institutions can more effectively identify gaps and deficiencies in students’ personal finance endeavors.

scholarly journals Personal finance management in modern conditions

2020 ◽  
Vol 18 (4) ◽  
pp. 36-47
Author(s):  
Larisa A. Rodina ◽  
Lilia V. Zavyalova
Keyword(s):  
Financial Literacy ◽  
Legal Aspects ◽  
Personal Finance ◽  
Point Of View ◽  
Individual Choice ◽  
Finance Management ◽  
Bank Deposits ◽  
Personal Finances ◽  
Financial Interests ◽  
The Individual

The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it is proposed to consider the basic problems of personal finance management from the position of accounting and planning of financial resources. The research results are aimed at increasing the financial literacy of the population, preventing encroachments and crimes in the field of personal finance, and, ultimately, at the maximum satisfaction of personal needs. Particular attention is paid to the rules of "personal financial hygiene", which imply organizational and technical measures to protect bank cards, mobile bank, deposits, cash, etc. You should also pay attention to the need to protect personal financial interests from the point of view of checking "financial contacts". An important role in the management of personal finances is played by knowledge of the norms of tax legislation in terms of deductions and benefits for taxes paid by individuals. In this regard, it is necessary to understand not only the legal aspects, but also the capabilities of the information system of relations between taxpayers and the state. It is also proposed to assess the risks of investments for individuals in the context of justifying the individual choice of an option when planning personal finances. All of these aspects are regarded as due diligence rules.

scholarly journals Personal Finances in the Era of Modern Technological Solutions

2021 ◽  
Vol 1 (29) ◽  
pp. 155-174
Author(s):  
Anna Janina Warchewska ◽  
Alfred Janc ◽  
Rafał Iwański
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Financial Education ◽  
Personal Finance ◽  
Financial Industry ◽  
Financial Decisions ◽  
Finance Management ◽  
Self Confidence ◽  
The Impact

The purpose of the article: the aim of the article is to present the essence of personal finance management using modern financial technologies. The paper seeks to answer the question of the impact financial literacy and the growth of the fintech solutions have on personal financial management. Methodology: the analysis leads to an answer to the question of which determinants have an impact on consumers' financial decisions and what remote tools the market offers. The paper hypothesizes that the intensification of educational activities tailored to each age group by institutions offering financial services may influence the greater use of modern tools in the process of personal finance management. Theoretical considerations are based on an in-depth query of literature on the subject. Research and financial experimentation in the field of financial knowledge and skills are presented. The secondary empirical material is used to analyze the development of the FinTech industry. Results: The effectiveness of financial education is observed only in specific financial behaviors. The financial industry is shaped by recipients, who instead of financial education, look e.g. financial coaching for a specific problem at different stages of their lives. Changes in population structure (aging population) and a large group of customers from disadvantaged groups (e. i. seniors, disabled people) require the development of new, matched strategies by banks and financial services providers. Too much self-confidence and a low level of consumer knowledge of cybersecurity is becoming a challenge for modern financial technologies.

PENGARUH TRANSPARANSI PENGELOLAAN KEUANGAN DANA DESA DAN PEMBERDAYAAN MASYARAKAT TERHADAP KESEJAHTERAAN MASYARAKAT DESA SIDOHARJO

2020 ◽  
Vol 28 (1) ◽  
pp. 35-50
Author(s):  
Dewi Kusuma Wardani ◽  
Ratih Ranika Putri Utami
Keyword(s):  
Financial Management ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Community Empowerment ◽  
Primary Data ◽  
Community Members ◽  
The People ◽  
Quantitative Descriptive ◽  
Positive Effect

This study aims to determine the effect of transparency in financial management of village funds and community empowerment on community welfare in Sidoharjo Village, Tepus District, Gunungkidul Regency. This research method uses quantitative descriptive methods and primary data using questionnaires. This study took a sample of residents who were divided into 11 hamlets in Sidoharjo Village, Tepus District, Gunung kidul Regency. The sampling technique is stratified random sampling. Data collection is done by distributing questionnaires directly to people’s homes, attending social gatherings and routine meetings held by community members. It aims to obtain more data from respondents directly. The number of questionnaires processed was 120 questionnaires. Data were analyzed using multiple linear regression analysis. The results of this study indicate that community empowerment has a positive effect on the welfare of the people of Sidoharjo Village, Tepus District, Gunungkidul Regency, while transparency in financial management of village funds does not affect the welfare of the community in Sidoharjo Village, Tepus District, Gunungkidul Regency.

An Empirical Study of the Financial Mismanagement of Internally Generated Revenue in Ife South Local Government of Osun State, Nigeria

Think India ◽  
2016 ◽  
Vol 19 (2) ◽  
pp. 29-38
Author(s):  
Adeola Ajayi
Keyword(s):  
Local Government ◽  
Financial Management ◽  
Town Planning ◽  
Primary Data ◽  
Revenue Generation ◽  
Secondary Sources ◽  
The Poor ◽  
Local Government Level ◽  
Government Level ◽  
Descriptive Statistical Analysis

This study focused on financial mismanagement of Internally Generated Revenue (IGR) in Ife South Local Government. It also identified viable sources of revenue in the local government and examined problems militating against effective collection of revenue. This study was necessitated by the need to ensure increased revenue generation in Ife South local government of Osun State, Nigeria. Primary and secondary sources of data were utilized for the study. The primary data were collected through structured questionnaires. Respondents were selected from career officers in GL. 03-16 in departments and units of finance and supplies, administration, primary healthcare, agriculture, town planning and estate valuation of the local government, thus 180 respondents were sampled representing 29.31% of 614 staff strength of these departments and units of the local government. The questionnaires were administered using descriptive statistical analysis such as frequency and percentage value. The study revealed that there are many viable and non-viable sources of revenue in Ife South local government, the myriad of problems militating against effective collection of the revenue and the poor financial management of internally generated revenue which aptly explains why the local government could not be developed. The study concluded that the share of local government from the statutory allocation be increased, routine auditing and post-auditing from the supervising ministry should be encouraged at the local government level and that the local government should also intensify her effort on increase revenue generation in order to withstand the challenges posed by the current global economic crisis.

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