PEMBAYARAN NON TUNAI: PERSEPSI CIVITAS AKADEMIKA FITK UIN MAULANA MALIK IBRAHIM MALANG

2015 ◽  
Vol 2 (1) ◽  
pp. 63
Author(s):  
Umi Julaihah
Keyword(s):  
Financial Literacy ◽  
Quantitative Research ◽  
Internet Banking ◽  
Academic Community ◽  
Single Type ◽  
Student Group ◽  
The Public ◽  
Cash Payment ◽  
Cash Transaction

<p>Non-cash payment has been promoted by Bank Indonesia since 2006 but, until now many people are still reluctant to use such facilities. This research uses descriptive quantitative research which aims to know the perception of the academic community of the Fakultas Tarbiyah dan Keguruan (FITK) UIN Maulana Malik Ibrahim Malang on usability, convenience, security and risks of non-cash transaction. The results showed that the respondents had a good perception on usability, convenience, security and risks of non-cash transactions. This research also finds that the student group is still using a single type of instrument ie. ATM transaction, while the lecturer-employees group is already using the ATM, SMS banking and Internet banking. Bank Indonesia is  expected  to  educate  the  public continuously, so people have well financial literacy that would boost the success of non-cash transactions movement in Indonesia.</p><p><strong>Keywords</strong>: perception, payment, non cash</p>

The Urgency of Digital Financial Services in Islamic Boarding Schools to Improve Financial Literacy

2021 ◽  
pp. 511-522
Author(s):  
Zainal Abidin ◽  
Khotibul Umam
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Boarding Schools ◽  
Financial Service ◽  
High Rate ◽  
New Normal ◽  
Personal Finances ◽  
Cash Payment ◽  
Cash Transaction ◽  
Financial Transactions

The new normal COVID-19 pandemic has changed the pattern of people's behavior in money transaction towards a safer contactless payment. Currently, digital financial service can be an alternative option to break down and finalize the rate of transmission of the corona virus, where transfer of funds or payment of financial transactions can be done online with digital applications without physical involvement. The use of digital finance in Indonesia has been growing significantly. Several Islamic boarding schools have implemented a non-cash payment system in various types of transactions. This chapter comprehensively discussed the urgency of non-cash transaction facilities in Islamic boarding schools to improve financial literacy in the new normal period. The results showed that digital financial service were very safe to use, because it could reduce physical interference/physical distancing as a form of implementing health protocols in financial transaction activities and increase financial literacy of students and high rate of responsibility for managing their personal finances.

scholarly journals Digital Financial Literacy: A Study of Households of Udaipur

2018 ◽  
Vol 5 ◽  
pp. 23-32
Author(s):  
Hanuman Prasad ◽  
Devendra Meghwal ◽  
Vijay Dayama
Keyword(s):  
Financial Literacy ◽  
Credit Card ◽  
Personal Characteristics ◽  
Internet Banking ◽  
Indian Government ◽  
Digital Platforms ◽  
Cash Transaction ◽  
Digital Transactions ◽  
Digital Payments ◽  
The Impact

Financial literacy has been center of discussion world over. Financial literacy can be generally defined as a person’s ability to understand, analyze, manage, and communicate personal finance matters. More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions through their understanding of finances. It is the ability to make informed judgments and take effective decision regarding the use and management of money. Now the trend is change financial literacy become old wine people are moving towards digital financial literacy. The interesting side of digital financial literacy is more people are going of digital payments, the value of internet banking, debit card & credit card, mobile banking are going high. Indian Government is also promoting Digital India recently they have launched many schemes like are Pradhan Mantri Jan Dhan Yojna, Jeevan Jyoti Bima Yojna, Suraksha Bima, MUDRA Bank Yojna, BHIM. The Vittiya Saksharta Abhiyan (VISAKA) also been launched by Ministry of Human Resource. The prime objective of the research is to know the digital financial literacy among the households of Udaipur city. The awareness about various digital platforms and their frequency of use is taken as digital financial literacy. The study further aims to diagnose the impact of personal characteristics on digital financial literacy. The sample of the study is taken from Udaipur city of Rajasthan state of India. A sample of 268 households was selected randomly. A well-structured questionnaire was used to survey and generate digital financial literacy data. The results of study will be a useful direction for both digital platform providers and government to promote citizen for digital transactions. The study also suggests that a wave of awareness campaign is required for bringing more people in the umbrella of digital transaction. Further, a cash transaction oriented economy like India needs to have dual edged sword, where in one hand it needs to bring more policies for lesser use of cash and on the other greater use of digital cash.

Marketing Responsible Drinking Effectively to Young Adults

2014 ◽  
Vol 1 (1) ◽  
Author(s):  
Colby Doyle ◽  
Matthew Gaudet ◽  
Dominic Lay ◽  
Amber McLeod ◽  
Robert Schaeffer
Keyword(s):  
Quantitative Research ◽  
Drinking Patterns ◽  
Major Question ◽  
The Public ◽  
The Third ◽  
Current Consumption ◽  
Sample Data ◽  
Vague Quantifiers ◽  
Insight Into ◽  
Alberta Health

The primary goal of this research is to identify and examine the components of responsible drinking advertisements. We will examine industry and government related advertisements as we try to understand one of our major questions: does the source influence the validity of the message? The next group of major questions that we will be looking to answer is how are the vague quantifiers used in responsible drinking campaigns interpreted by the public?  How many drinks do people consider “too much?” What does “drink responsibly” really mean? The third major question is whether or not an individual’s current consumption patterns of alcohol have any effect on how individuals assess responsible drinking campaigns. Our qualitative research has indicated that social influences can be strongly related with drinking patterns; this will be further examined in our quantitative research. Also, we will be looking into some of the psychology behind industry and government sponsored advertisements as well as gathering and interpreting information from a sample of our target demographic. Our target demographic consists of both male and females between the ages 18-24. Our literature review and qualitative analysis gave us good insight into some of the potential answers to our questions. We will use these potential answers from our previous research to guide us as we attempt to conduct conclusive research based on a sample data of 169 individuals. Our findings will aid us in developing conclusions and recommendations for Alberta Health Services.

scholarly journals The Disclosure Decision of Foreign Clinical Trials in China: Moderating Effects of Firms’ Contingencies

SAGE Open ◽  
2021 ◽  
Vol 11 (2) ◽  
pp. 215824402110163
Author(s):  
Tariq H. Malik ◽  
Chunhui Huo
Keyword(s):  
Clinical Trial ◽  
Clinical Trials ◽  
Risk Taking ◽  
Academic Community ◽  
Moderating Effects ◽  
The Public ◽  
Industrial Enterprises ◽  
Unit Increase ◽  
Clinical Trial Results ◽  
Clinical Trial Activity

Result disclosure of clinical trial posts a conflicting logic between private secrecy and public interest. Despite ethical and legal requirements for disclosing clinical trial results, clinical trials’ sponsors tend to withhold the results. We explored the location, timing, and rationale behind the withheld clinical trial results. Based on the entrepreneurial orientation (EO) perspective, we propose that organizational EO contingencies moderate the disclosure decision. We used the completed clinical trial projects in China by foreign and domestic sponsors. First, we found that a unit increase in the sponsor’s experience can increase the disclosure about 1.01 times. Second, we found that industrial enterprises disclose results about 3.7 times more than universities do. Third, we found that foreign clinical trial projects in China tend to disclose 3.9 times more than domestic projects. We link these findings to two types of audience. First, we inform the academic community on the theory and empirics regarding risk-taking behavior in the biopharmaceutical industry’s clinical trial activity. Second, we address the general audiences concerned about the ethical and socioeconomic wellbeing of the public.

scholarly journals The Determinants of Audit Expectation Gap: An Empirical Study from Kingdom of Bahrain

2018 ◽  
Vol 7 (3) ◽  
pp. 54 ◽  
Author(s):  
Sayed Ali Ahmed Alawi ◽  
Rami Mohammad Abu Wadi ◽  
Gagan Kukreja
Keyword(s):  
Financial Reporting ◽  
Quantitative Research ◽  
Financial Statements ◽  
International Standards ◽  
Kingdom Of Saudi Arabia ◽  
The Public ◽  
Financial Reporting Standards ◽  
Expectation Gap ◽  
Audit Firms ◽  
National Bank

The research aims at identifying the determinants of audit expectation gap between the auditors and the users of financial statements in the Kingdom of Bahrain. This issue is noticed in many frauds or errors or illegal matters by the general public after every scam whether Enron and WorldCom from United States or Satyam and Punjab National Bank from India or Tesco and BHS from United Kingdom or Mobily from Kingdom of Saudi Arabia. As per International Standards on Auditing (ISAs), auditors are not responsible to detect each and every fraud or error or illegal act as it is the responsibility of management. However, auditors are expected to assess the possibility of an error or fraud to occur and assess risks of material misstatement due to error or fraud and they are supposed to express their independent and objective opinion on financial statements whether financial statements are prepared in accordance to suitable criteria (International Financial Reporting Standards in the case of Bahrain).This quantitative research and its descriptive design aims empirically to analyze determinants that may impact the audit expectation gap in the Kingdom of Bahrain. The study used a detailed questionnaire as a measuring instrument across the sample group to measure 4 determinants that are expected to have a significant impact on the level of the audit expectation gap. Those determinants are the efforts of auditors, the skills of auditors, the knowledge of the public about the audit profession and the users’ needs from auditors. The research inferred that identified factors found to have a significant impact on the level of audit expectation gap. It is recommended that audit firms should provide training to the audit staff that how to utilize the required efforts in conducting an audit engagement and go extra miles to fill the gap. Furthermore, the auditors should keep themselves updated about the latest frauds and the best audit practices. 

scholarly journals Team-Based Learning: Successful Experience in a Public Health Graduate Program

2017 ◽  
Vol 41 (3) ◽  
pp. 397-401
Author(s):  
Geraldo Bezerra da Silva Junior ◽  
Maria Angelina Silva Medeiros ◽  
Juliana Gomes Ramalho de Oliveira ◽  
Ana Maria Fontenele Catrib ◽  
Maria Helena de Agrela Gonçalves Jardim
Keyword(s):  
Public Health ◽  
Traditional Method ◽  
Quantitative Research ◽  
Graduate Program ◽  
Theory And Practice ◽  
Average Score ◽  
Master Program ◽  
The Public ◽  
Team Based Learning ◽  
At Home

ABSTRACT Background: In the review of curriculum matrices, the elaboration of learning strategies that combine theory and practice is extremely important, allowing the building of new concepts and learning methods by the students. Team-based learning (TBL) is growing in academic centers and refers to the pedagogic strategy grounded in constructivism. The aim of this research was to describe the application of TBL in a Public Health graduate program. Methods: TBL was applied in a class with 22 students in the discipline “Quantitative Research in Health” of the Public Health graduate program (Master degree) at the University of Fortaleza, Brazil, in 2016. The discipline was structured in 8 lessons, approaching the thematic of quantitative research. Before each class the students were required to study the contents at home, a test was done for each subject in the beginning of each class (individually and then in teams of 5 or 6 students) and then a brief review was performed by the professor, where the students could ask questions and solve any doubt. At the end of the semester an evaluation questionnaire was applied with objective questions and a qualitative survey. Results: The application of TBL was done in a class with 22 students of the Public health Master Program, aged 22 to 36 years, and 83.3% were female. The method was well received by the students. All the evaluations and discussions went on without any problem. There were some complaints about the requirement to study at home prior to the classes. Students’ evaluation of the discipline and the TBL method was satisfactory with answers’ average score of 4.7 (scale 0-5). The lowestscore was achieved by the question number 11 (4.3) about the students motivation for their study at home. The comparison with the evaluation of the previous semester (where a traditional method was applied) evidenced higher scores for the TBL method. Conclusions: The application of TBL was satisfactory and the main difficulty presented by students was the requirement for previous study at home. TBL was better evaluated than the traditional method.

scholarly journals Hubungan Motif dan Kepuasan Penggunaan Media Sosial Instagram di Mahasiswa Komunikasi Penyiaran Islam Angkatan 2014-2017

2019 ◽  
Vol 2 (2) ◽  
pp. 74-78
Author(s):  
Ngudi Ambar Sari ◽  
Bukhari Bukhari ◽  
Usman Usman ◽  
Prima Kurinati Hamzah
Keyword(s):  
Social Media ◽  
User Satisfaction ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Quantitative Research Methods ◽  
The Public ◽  
Media Usage ◽  
Active User ◽  
The Relationship

Instagram is one of the most popular social media for the public. One difference between Instagram and other social media, is that instamam is more likely to be used to find information and share information with users than to interact directly with fellow users. The purpose of this study is to find out and explain the motives and active user satisfaction in using Instagram social media and find out the relationship between the motives and satisfaction of Instagram social media usage. This study uses use and gratification theory which assumes that individuals have certain goals in using media. The method used in this research is quantitative research methods. The data collection tool is the questionnaire has been validated. The research sample was 70 people. The sampling technique is simple random sampling. The statistic test that the researchers used was the Partial Correlation Test (Pearson Product Moment). Data is processed using SPSS version 20. The results of this study indicate users want to get information and knowledge that is happening at the present time. Information satisfaction becomes the most obtained by Instagram social media users. Overall Instagram social media has given satisfaction to users and there is a significant relationship between motives and satisfaction.

scholarly journals THE INFLUENCE OF PUBLIC RELATIONS CAMPAIGN #NOSTRAWMOVEMENT ON FAST FOOD RESTOURANT CONSUMER PARTICIPATION

2020 ◽  
Vol 8 (2) ◽  
pp. 116-124
Author(s):  
Siti Meisyaroh ◽  
Marcella Novena
Keyword(s):  
Public Relations ◽  
Fast Food ◽  
Quantitative Research ◽  
Consumer Participation ◽  
Test Reliability ◽  
Consumer Attitude ◽  
The Public ◽  
Normality Test ◽  
Fast Food Restaurants ◽  
Public Relations Campaign

News about environmental issues have led many companies and fast food restaurants like KFC started the Public Relations campaign movement with the theme #NOSTRAWMOVEMENT which was done simultaneously in all of their outlets in Indonesia. KFC Raden Inten becomes case in study. This study aims to determine the influence of the Public Relations campaign #NOSTRAWMOVEMENT will influence consumer participation in KFC Raden Inten. This research uses stimulus- respons (S-R) theory and participation concept which can be interpreted as taking part or taking a role in activities or activities. The author uses this theory because I want to know how much consumer participation is influenced by Public Relations campaign #NOSTRAWMOVEMENT of KFC. Participation is divided into two categories, direct participation and indirect participation. In this study, researchers used quantitative research with a descriptive and explanatory approach. Data collection techniques used in this study were documentation and questionnaire filling as part of the survey. Researchers used a survei method using a questionnaire. Data analysis techniques using validity test, reliability test, normality test, t test, F test and R2 test. Based on the data processing carried out, this study obtained the result that the relationship between the Public Relations campaign variables and consumer participation had a positive and significant influence.   Keywords: Public Relations Campaign, Consumer Participation, Consumer Attitude

scholarly journals Pengaruh literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup hedonis mahasiswa aktivis UKM organisasi pecinta musik (OPUS) 275 Universitas Negeri Malang

2021 ◽  
Vol 1 (8) ◽  
pp. 746-752
Author(s):  
Nurul Hidayah ◽  
Wahjoedi Wahjoedi
Keyword(s):  
Financial Literacy ◽  
Research Method ◽  
Quantitative Research ◽  
Economic Literacy ◽  
Independent Variable ◽  
Simultaneous Influence ◽  
Quantitative Research Method

Abstract Research has been carried out on the effect of economic literacy and financial literacy on attitudes about hedonic lifestyles. This study aims to determine whether there is a partial or simultaneous influence of economic literacy and financial literacy on attitudes about hedonic lifestyles. This study uses a quantitative research method that is explanatory by explaining the effect of the independent variable on the dependent variable. The results showed that there was no significant and significant effect between economic literacy and financial literacy on attitudes about life partially, but there was a significant and significant effect of economic literacy and financial literacy on attitudes about hedonic lifestyles simultaneously. Abstrak Telah dilakukan penelitian mengenai pengaruh literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup hedonis. Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh secara parsial maupun simultan literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup hedonis. Penelitian ini menggunakan metode penelitian kuantitatif yang bersifat eksplanasi dengan menjelaskan pengaruh variabel bebas terhadap variabel terikat. Hasil penelitian menunjukkan tidak terdapat pengaruh dan signifikan antara literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup secara parsial, namun terdapat pengaruh dan signifikan literasi ekonomi dan literasi keuangan terhadap sikap tentang gaya hidup hedonis secara simultan.

scholarly journals Factors that affect public relations practice: in the case of Tigray Education Bureau

2020 ◽  
Vol 9 ◽  
pp. 184-194
Author(s):  
Solomon Shiwabaw Mulu
Keyword(s):  
Public Relations ◽  
Research Methods ◽  
Quantitative Research ◽  
Sampling Method ◽  
Point Of View ◽  
Disciplinary Boundaries ◽  
The Public ◽  
Tigray Region ◽  
Qualitative Research Design ◽  
Reporting Method

Public relations practice is a profitable interpretation of an organization's new and continuous relationship with stakeholders, including customers, by managing all communication relationships with the organization that creates the reputation and protects its reputation [5]. The researcher has employed mixed research methods. Mixed approaches are far more compressive than attacking a problem one point of view and allow a different type of data to be accessed from disciplinary boundaries. Employing a purposive sampling method, a total of 7 PR officers of the Tigray region education Bureau and the Public relations Manager of the respective Bureau have been selected. An interview and questionnaires have been employed to gather data. After the researcher has collected the relevant data using the mixed research methods it has been analyzed. The data which was gathered using a quantitative research method has been analyzed and interpreted in a table and report in percentage with sufficient explanation for each table result and percentages using SPSS data analyzing software. Besides, the gathered data using a qualitative research design was analyzed in the reporting method with elaboration.

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