scholarly journals Optimalisasi Financial Teknologi (Fintech) terhadap Peningkatan Literasi dan Inklusi Keuangan Usaha Menengah Purwokerto

Performance ◽  
2020 ◽  
Vol 27 (1) ◽  
pp. 12
Author(s):  
Cut Misni Mulasiwi ◽  
Karina Odia Julialevi
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Structural Equation ◽  
Positive Influence ◽  
Business Owners ◽  
Sem Analysis ◽  
Financial Inclusion ◽  
Equation Modeling ◽  
Microsoft Excel ◽  
Medium Enterprises

The purpose of this study is to explain the effect of fintech-based financial services on financial literacy and financial inclusion on Medium Enterprises in Purwokerto. To test the empirical model, Structural Equation Modeling (SEM) analysis was used. Other analysis tools used included AMOS 21.0, SPSS 16.0 and Microsoft Excel 2010. The number of samples in this study was 108 micro business owners. The results of this study indicate that fintech-based financial services have a positive influence on financial literacy and micro-business financial inclusion in Purwokerto.

scholarly journals An Empirical Analysis of the Impact of Agency Banking on Financial Inclusion in Benue State, Nigeria: Implications for Economic Activities

2022 ◽  
Vol 14 (2) ◽  
pp. 75
Author(s):  
David Terfa Akighir ◽  
Tyagher Margaret ◽  
Jacob Terungwa Tyagher ◽  
Tordue Emmanuel Kpoghul
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Structural Equation ◽  
Structural Equation Models ◽  
Survey Design ◽  
Secondary Data ◽  
The State ◽  
Financial Inclusion ◽  
Economic Activities ◽  
The Impact

Twelve (12) out of the Twenty-three (23) local government areas (LGAs) in Benue State do not have the presence of banks over a long period of time. This situation has deprived the inhabitants of these LGAs of access to formal financial services until the advent of agency banking. This study therefore, investigates the impact of agency banking on financial inclusion and economic activities in Benue State focusing on the agency banking activities of First Bank Ltd. The study is anchored on the agency theory and it used a survey design. The study has utilized both primary and secondary data that were analyzed using descriptive statistical tools and structural equation models. Findings of the study have revealed that agency banking activities of First Bank Ltd have immensely enhanced financial inclusion and economic activities in Benue State. However, challenges such as shortages of cash, security problems, network failures, and lack of financial literacy are militating against the smooth operations of the agency banking in the State. On the basis of these findings, the study has recommended among others that, other banks operating in the State should be encouraged to venture into agency banking in the state so as to have a wider coverage of agency banking in the State. Also, government should provide security and partner with the private sector to provide national carrier communication network system to overcome the network failure challenge. Finally, banks should intensify efforts to educate the masses about the validity and potency of agency banking.

scholarly journals SME Managers and Financial Literacy; Does Financial Literacy Really Matter?

2018 ◽  
Vol 8 (3) ◽  
pp. 353
Author(s):  
Shamim Akhtar ◽  
Yanping Liu
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Service Providers ◽  
Business Owners ◽  
Financial Knowledge ◽  
Equation Modeling ◽  
Financial Awareness ◽  
Performance Results ◽  
The Impact ◽  
Firm Owners

The purpose of this study is to examine the level of small and medium (SMEs) business owners-managers’ financial literacy and its effect on the firm’s performance. The study applied random sample and structural equation modeling approaches in measuring the impact of SME firm owners-managers’ level of financial literacy in the context of Pakistan. The findings reveal the complete influence of firm owners- manager’s financial attitude, financial knowledge and financial awareness in adapting financial literacy to upsurge in firm performance. Results indicate that financial awareness and financial knowledge of SME managers are evidently not a precondition to SMEs performance, yet entrepreneur tactics in making decisions and association to financial attitude have a contrast with financial literacy. Findings would be valuable for the SME owners, investors and service providers.

scholarly journals MODAL INTELEKTUAL DAN KINERJA KEUANGAN : KEUNGGULAN BERSAING SEBAGAI VARIABEL INTERVENING

2021 ◽  
Vol 2 (2) ◽  
pp. 239-258
Author(s):  
Muhammad Fahri Azmi ◽  
Yusralaini Yusralaini ◽  
Rofika Rofika
Keyword(s):  
Financial Performance ◽  
Competitive Advantage ◽  
Financial Services ◽  
Structural Equation ◽  
Negative Influence ◽  
Positive Influence ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Positive Effect

This study aims to see the effect of VACA, VAHU, STVA, and VAIC on financial performance and competitive advantage, as well as the role of competitive advantage in mediating the effect of VACA, VAHU, STVA, and VAIC on financial performance. The population in this study is Islamic commercial banks registered with the financial services authority in 2016-2018. The sample of this research was selected by sampling criteria. Hypothesis testing used in this research is Structural Equation Modeling with Partial Least Square (SEM-PLS) approach and the statistical test tool used is WarpPLS 7.0. The results of this study indicate that VACA has a positive influence on financial performance, VAHU has a negative influence on financial performance while STVA and VAIC do not affect financial performance. Furthermore, this study found that VACA, STVA, and VAIC had a positive effect on competitive advantage and competitive advantage also has a positive effect on financial performance. This research also found that, while VAHU did not affect the competitive advantage that competitive advantage plays a role in mediating the effect of VACA and VAIC on financial performance, whereas competitive advantage does not mediate the effect of VAHU and STVA on financial performance.

Enhancing sustainable performance through job characteristics via workplace spirituality

2018 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Qaisar Iqbal ◽  
Noor Hazlina Ahmad ◽  
Basheer Ahmad
Keyword(s):  
Environmental Sustainability ◽  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Workplace Spirituality ◽  
Job Characteristics ◽  
Positive Influence ◽  
Equation Modeling ◽  
Content Type ◽  
Task Variety ◽  
Medium Enterprises

PurposeThis paper aims to provide empirical evidence of the associations between perceived job characteristics and workplace spirituality with environmental sustainability within the domain of small- and medium-sized enterprises. This study aims to investigate the influence of perceived job characteristics (job identity, task significance and task variety) on environmental sustainability through workplace spirituality.Design/methodology/approachData are collected from 400 small and medium enterprises (SME) employees working in New Delhi, India, and Islamabad, Pakistan. Response rate in this study is 58 per cent. Structural equation modeling has been used to analyze the data through SmartPLS 3.0 and SPSS version 24.FindingsThe results indicate that perceived job characteristics have significant positive influence over workplace spirituality. It is concluded that workplace spirituality also significantly mediates the relationship between perceived job characteristics and environmental sustainability.Research limitations/implicationsIn the present study, perceived job characteristics have been evaluated to improve environmental sustainability in SMEs from Pakistan and India. Therefore, before generalization in the context of other countries can be made, the results obtained may need some modifications.Practical implicationsThe research concerns the understanding of various job characteristics and environmental sustainability from the viewpoint of employees in SMEs at imparting perceived job characteristics as important factors to meet challenges relevant to environmental sustainability in the dynamic market.Social implicationsThere is anecdotal evidence claiming the pivotal role of job characteristics and workplace spirituality toward the recognition of sustainability in the progressive dynamic market. The results of this study represent the effectiveness of perceived job characteristics for accomplishing social objectives through workplace spirituality.Originality/valueThis study contributes to the field by bringing together the concepts of workplace spirituality with perceived job characteristics and environmental sustainability in the context of Pakistani and Indian SMEs.

scholarly journals Digitalization Adoption among Malaysian SMEs: The Drivers and its’ Industry Based Heterogeneity

2021 ◽  
Vol 7 (1) ◽  
pp. 10-13
Author(s):  
Mei Peng Low ◽  
Hengky Latan ◽  
Charbel J Chiappetta Jabbour
Keyword(s):  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Group Analysis ◽  
Positive Influence ◽  
Partial Least Square ◽  
Least Square ◽  
Matrix Analysis ◽  
Equation Modeling ◽  
Performance Matrix ◽  
Medium Enterprises

Digital technologies advancement has immersed in many aspects of our lives, be it an individual or a business. The fast moving technologies has fostered the growth of digital economy. Businesses which fail to adopt will eventually lose their competitive advantage. The pressing phenomena motivates the study of digitalization adoption among small and medium enterprises (SMEs), which account for the majority of the businesses worldwide. Technology-Organization-Environment (TOE) framework was utilized to guide this study. The plausible difference between service based and non-service based industries was also examined. Quantitative approach via purposive sampling was performed to collect data from the SMEs. The data was analyzed using the concept of Hierarchical Component Model (HCM) for TOE constructs and Multi-Group Analysis (MGA) under the purview of Partial Least Square Structural Equation Modeling (PLS-SEM). For more insightful findings, Importance Performance Matrix Analysis (IPMA) was conducted. The findings informed that Technology and Organization record significant positive influence on Digitalization Adoption among SMEs while there is heterogeneity between service based and non-service based industries.

scholarly journals LOYALITAS CUSTOMER DALAM MOBILE COMMERCE ZALORA

2018 ◽  
Vol 11 (1) ◽  
pp. 26
Author(s):  
Karina Dwi Pramesti
Keyword(s):  
Structural Equation Modeling ◽  
Customer Loyalty ◽  
Structural Equation ◽  
Positive Influence ◽  
Mobile Commerce ◽  
Sem Analysis ◽  
Equation Modeling ◽  
Survey Method ◽  
Analysis Technique ◽  
Information And Communication

Saat ini smartphone menjadi instrumen yang sangat penting dalam dunia bisnis dan pemasaran. Penggunaan smartphone juga memicu tumbuhnya berbagai mobile commerce (m-commerce) di Indonesia. Hal ini disebabkan karena smartphone dapat menjadi sarana periklanan, promosi, dan transaksi jual beli. Salah satu perusahaan yang memanfaatkan hal ini adalah Zalora. Zalora merupakan salah satu perusahaan m-commerce dalam bidang fashion dengan pengunjung tertinggi di Indonesia. Namun, saat ini belum diketahui apakah terdapat hubungan antara kecenderungan penggunaan teknologi informasi dan komunikasi, kepuasan, serta kepercayaan terhadap loyalitas pelanggan pada Zalora. Metode pengumpulan data yang digunakan dalam penelitian ini adalah metode survei terhadap mobile buyers dari aplikasi zalora. Data yang dikumpulkan dianalisis dengan teknik analisis Structural Equation Modeling (SEM). Hasil penelitian ini menunjukan bahwa, kepuasan dan kepercayaan memiliki pengaruh positif terhadap loyalitas pelanggan E-Commerce Zalora. Kata Kunci: Kepercayaan, Kepuasan, Loyalitas,  Mobile Commerce, Zalora  Smartphones are becoming very important instruments in the business and marketing world today. The use of smartphones also trigger the growth of various mobile commerce (m-commerce) in Indonesia. This is because smartphones can be a means of advertising, promotion, and buying and selling transactions. One company that utilizes this is Zalora. Zalora is one of the m-commerce companies in the field of fashion with the highest visitors in Indonesia. However, it is not currently known whether there is a relationship between trends in use of information and communication technology, satisfaction, and trust in customer loyalty to Zalora. Data collection method used in this research is survey method to mobile buyers from zalora application. The data collected were analyzed by Structural Equation Modeling (SEM) analysis technique. The results of this study indicate that, satisfaction and trust have a positive influence on customer loyalty E-Commerce Zalora.

scholarly journals THE TENDENCY OF USING MICRO TAKAFUL AMONG MICRO, SMALL AND MEDIUM ENTREPRENEURS AT PELEPAT ILIR, JAMBI, INDONESIA

2019 ◽  
Vol 5 (1) ◽  
Author(s):  
Lina Ade Chusmita ◽  
Azila Abdul Razak ◽  
Fidlizan Muhammad
Keyword(s):  
Financial Institutions ◽  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Behavioral Control ◽  
Subjective Norm ◽  
Financial Inclusion ◽  
Equation Modeling ◽  
Policy Makers ◽  
Proposed Model ◽  
Medium Enterprises

Micro takaful is one of the takaful product development strategies in developing the 'marginalized' economy of financial institutions. The objective of this study is to provide empirical evidence on financial inclusion as a factor of behavioral control in the Theory of Perceived Behavior (TPB) to analyze its influence with the tendency of micro, small and medium enterprises (MSME) entrepreneurs to the use of micro takaful. Data distributed via questionnaires to 372 respondents were analyzed using descriptive and structural equation modeling. The results of the study showed that there was a positive and significant effect between attitude and financial inclusion on the tendency of using micro takaful. On the contrary, subjective norm factors have no significant effect on the proposed model. The implications of the study indicate that financial inclusion is one of the most important policies to achieve sustainable development. In addition, takaful institutions and policy makers need to expand the supply of microfinance products, especially micro takaful scheme to MSME in Indonesia to ensure the protection and security of their businesses.

scholarly journals PENGARUH PENAYANGAN IKLAN DARING SELAMA PANDEMI COVID-19 TERHADAP KOGNISI KONSUMEN AKAN KEBUTUHAN DAN DAMPAKNYA TERHADAP PERILAKU PEMBELIAN KONSUMEN

Prologia ◽  
2021 ◽  
Vol 5 (2) ◽  
pp. 411
Author(s):  
Cynthia Cynthia ◽  
Sherly Sherly ◽  
Fidelius Marlfel ◽  
Marlyn Marlyn ◽  
Keni Keni
Keyword(s):  
Consumer Behavior ◽  
Structural Equation ◽  
Need For Cognition ◽  
Positive Influence ◽  
Sem Analysis ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Negative Effect ◽  
The Relationship

Online ads which are basically faster, more effective, and more accurate tend to be more engaging than traditional ads. The influence of online ads does not happen instantly, other factors contribute to the changes in consumer behavior to become more impulsive. Consumer need for cognition is the factor that mediates the relationship. Consumers who have need for cognition tend to be more easily influenced by online ads, especially when it's done repeatedly. Therefore, this study was conducted to examine the relationship between repeated online ads and consumer need for cognition for the changes in consumer behavior that was strengthened or weakened by the COVID-19 pandemic. Hypothesis testing was carried out by using Partial Least Square - Structural Equation Modeling (PLS-SEM) analysis with SmartPLS software. The research results showed that repeated online ads and consumers' need for cognition had a positive influence on consumer buying behavior, but the COVID-19 pandemic had a negative effect.

scholarly journals The Role of Government Support and User Innovativeness to Entrepreneurs (Case study of SME’s in Depok, Indonesia)

2020 ◽  
Vol 4 (2) ◽  
pp. 127-134
Author(s):  
Sasotya Pratama ◽  
Eka Sri Dana Afriza ◽  
Liza Agustina Maureen Nelloh
Keyword(s):  
Structural Equation ◽  
Positive Influence ◽  
Business Owners ◽  
Partial Least Square ◽  
Least Square ◽  
Government Support ◽  
Equation Modeling ◽  
Internal Factors ◽  
Role Of Government ◽  
Least Square Approach

This study aims to examine the influence of external and internal factors, in this case government support and owner-manager innovation, on the attitude of owner-managers of MSMEs towards FINTECH. This study uses the Structural Equation Modeling - Partial Least Square approach using SmartPLS version 3.2.4 to examine the research hypotheses. The respondents of this study were 64 MSME owner-managers in Depok, West Java. The study indicates that government support and owner-manager innovation have a significant and positive influence on their attitudes towards FINTECH. The imperative results of this study recommend FINTECH business owners to support government activities in inspiring and motivating MSME business owners in Depok to continue developing personal creativities that represent the innovations of each owner-manager of MSME.

Financial self-efficacy: a mediator in advancing financial inclusion

2017 ◽  
Vol 36 (2) ◽  
pp. 128-149 ◽  
Author(s):  
Rachel Mindra ◽  
Musa Moya
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Self Efficacy ◽  
Structural Equation ◽  
Structural Equation Models ◽  
Financial Inclusion ◽  
Mediating Effect ◽  
Mediation Effects ◽  
Content Type ◽  
The Relationship

Purpose The purpose of this paper is to examine the mediating effect of financial self-efficacy (FSE) on the relationship between financial attitude, financial literacy and financial inclusion (FI) among individuals in Uganda. Design/methodology/approach Using a quantitative approach and cross-sectional research design, a sample of 400 individuals from urban Central and rural Northern Uganda was drawn. Using SPSS and AMOS™ 21, structural equation models and bootstrapping methods were used to establish the hypothesized relationships and mediation effects between financial attitude, financial literacy and FI. Findings The results suggested FSE as a mediator of the relationship between financial attitude, financial literacy and FI. Further, there was a significant and insignificant relationship between financial literacy, financial attitude and FI, respectively. Research limitations/implications The study was assessed using both potential and actual consumers of financial services collectively. However if separately assessed, possibly there would be a variation in perceptions or behavioural responses towards FI. Practical implications There is a need to develop and sustain high levels of financial confidence among individuals to enable them use formal financial services. Social implications Possession of financial knowledge, skills, an evaluative judgement with high levels of financial confidence enable individuals make financial decisions that improve their integration into the formal financial system and improved welfare. Originality/value The results contribute towards the limited empirical and theoretical evidence regarding the mediating role of FSE in explaining the financial behaviour.

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