Pengaruh literasi keuangan, inklusi keuangan dan financial technology terhadap perilaku keuangan pelaku UMKM di Kecamatan Sekupang

This research is using a descriptive quantitative study that aims to see and analyze the influence of financial literacy, financial inclusion, and financial technology on the financial behavior of SMEs in Sekupang District. This research uses a sample of 54 MSME actors in Sekupang District, Batam City. Smart PLS 3.0 Software are used on the Hypothesis testing and data processing to achieved number that can be analyze. The results obtained from the examiners are there is a significant effect of financial literacy on financial behavior, there is no significant effect of financial inclusion on financial behavior, there is no significant effect of financial technology on financial behavior.

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Understanding of Financial Literacy as a Moderating Variable on the Effect of Financial Technology on Financial Inclusion in Lubuklinggau City, Indonesia

Journal of Economics, Finance and Accounting Studies ◽

10.32996/jefas.2021.3.2.14 ◽

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.

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ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

AFEBI Management and Business Review ◽

10.47312/ambr.v5i1.293 ◽

2020 ◽

Vol 5 (1) ◽

pp. 37

Author(s):

Wahyudi Wahyudi ◽

Brigitta Azalea Pulo Tukan ◽

Dahlia Pinem

Keyword(s):

Locus Of Control ◽

Financial Literacy ◽

Partial Least Square ◽

Least Square ◽

Financial Behavior ◽

Significant Positive Effect ◽

Partial Least Square Analysis ◽

Analysis Technique ◽

Positive Effect ◽

Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

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Financial Technology (Fin-Tech): Revolutionizing the Indian Agrarian Sector

International Journal of Innovative Technology and Exploring Engineering - Special Issue ◽

10.35940/ijitee.l1001.10812s319 ◽

2020 ◽

Vol 8 (12s3) ◽

pp. 1-8

Keyword(s):

Financial Literacy ◽

Financial Services ◽

Risk Sharing ◽

Financial Inclusion ◽

Indian Government ◽

Agricultural Finance ◽

Agricultural Growth ◽

Two Factors ◽

Financial Technology

Agriculture is the largest employer of India which constitutes 50% of its workforce and also a contributor to 17-18% in its GDP. Still, it is one of the most disorganized and disjointed sector.Somewhere this sector has not been given due attention and itcan be proven with the fact that the GDP contribution of this sector has fallen from 43% to 18% (1970- 2018).Though the Indian Government is digitally driving to provide financial inclusion to more than 145 million households that are not having access to banking services but still the farmers aremajorlyusing traditional credit for their basic and main two factors; Production & Consumption (Distribution). The financial segment has an important role to make agriculture aprime contributorto the economic growth of the country and also in reducing poverty. A fast-evolving technological landscape is bringing up new potential to focus&provide credit, risk-sharing, and to explore technology to enhance agricultural productivity. Our paper firstly examines agricultural finance in the Indian context and then discusses how financial technology (Fin-Tech) can drive new products in credit and risk markets in India. We evaluate the role of mobile banking, financial literacy, digital financial services, digital financial technology, and block-chain technology. The paper is concluded with a discussion of policy takeaways for Fin-Tech in agriculture to promote agricultural growth, enhance financial inclusion, and improve regional economic integration through agriculture.

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The Effect Of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion

AL-FALAH Journal of Islamic Economics ◽

10.29240/alfalah.v5i2.1669 ◽

2020 ◽

Vol 5 (2) ◽

pp. 231

Author(s):

Basrowi Basrowi ◽

Tulus Suryanto ◽

Erike Anggraeni ◽

Muhammad Nasor

Keyword(s):

Significant Influence ◽

Financial Literacy ◽

Sampling Technique ◽

Financial Inclusion ◽

Survey Method ◽

Islamic Finance ◽

Islamic Banking ◽

Study Program ◽

Independent Variables ◽

Financial Technology

Purpose: The purpose of this study was to determine the magnitude of the influence of Islamic financial literacy and Islamic financial technology on the inclusion of Islamic finance in students in Lampung Province both partially and simultaneously.Design Methods:The method used is a survey method. The population of this study is all smester V students and above in Islamic Economics Study Program, Islamic Banking. and sharia accounting in all State and Private Universities in Lampung Province, totaling 3080 people. The sampling technique used is proportional grain sampling, as much as 10% of the population of 308 people. Data collected using surveys, with google form. The collected data were analyzed using simple and multiple regression analysis.Findings:Based on the results of the analysis it can be concluded, first, there is a positive and significant influence between the literacy of Islamic finance on Islamic financial inclusion. Second, there is a positive and significant influence between Islamic financial technology on Islamic financial inclusion. Third, there is a positive and significant influence between Islamic financial literacy and Islamic financial technology together on Islamic financial inclusion.Originality Value: Of the two independent variables, sharia financial literacy variables contributed more than sharia financial technology variables to sharia financial inclusion.

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PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN MAHASISWA

E-Jurnal Ekonomi dan Bisnis Universitas Udayana ◽

10.24843/eeb.2021.v10.i03.p03 ◽

2021 ◽

pp. 127

Author(s):

Wayan Tari Indra Putri ◽

Kadek Nita Sumiari

Keyword(s):

Regression Analysis ◽

Financial Literacy ◽

Financial Management ◽

Linear Regression Analysis ◽

Financial Inclusion ◽

Financial Behavior ◽

Test Results ◽

Simple Linear Regression ◽

Literacy Knowledge

Having knowledge of financial literacy is a must in order to have a prosperous life. Currently the OJK is working to improve financial inclusion and literacy, especially among students. This step is a form of effort to increase the role of students in the Indonesian economy. As the next generation, a student must have knowledge related to personal financial management. This knowledge will be very useful for students to manage their finances in the future. Four diploma students majoring in Accounting at the Bali State Polytechnic have obtained courses related to finance and investment so that they should have a good level of financial literacy knowledge. The purpose of this research is to examine the effect of financial literacy on student financial behavior. Respondents in this study amounted to 95 people. The data in this study were analyzed using simple linear regression analysis. The results of this study are that there is an influence between financial literacy variables on student financial behavior. The test results show that the better the knowledge or understanding of financial literacy possessed by students, the better the student's ability to implement good financial behavior.

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The Effect of Financial Literacy and Financial Technology on Student Financial Inclusion of Institute of Social Sciences and Management Stiami Jakarta Bekasi Campus

Neraca : Jurnal Akuntansi Terapan ◽

10.31334/neraca.v2i1.1100 ◽

2020 ◽

Vol 2 (1) ◽

pp. 16-27

Author(s):

Ismi Amalia Romadhon ◽

Heksawan Rahmadi

Keyword(s):

Social Sciences ◽

Financial Literacy ◽

Financial Services ◽

Hypothesis Test ◽

Linear Regression Analysis ◽

Simple Random Sampling ◽

Multiple Linear Regression Analysis ◽

Financial Inclusion ◽

Test Reliability ◽

Financial Technology

Financial inclusion is a situation where everyone has access to quality financial services at an affordable cost and a fun way. This research aims to find out the influence of literacy on financial inclusion, to know the influence of financial technolgy on financial inclusion on students of Institute of Social Sciences and Management STIAMI Jakarta Bekasi Campus. The population of this study was a student employee of STIAMI Institute of Social Sciences and Management Jakarta Bekasi Campus and was assigned a sample of 47 respondents, with the method of Simple Random Sampling. The study used questionnaire data collection techniques. Technical analysis of the data used is validity test, reliability, classic assumption, multiple linear, Correlation Coefficient, determination coefficient and hypothesis test. The results of the study based on the t test analysis showed that the financial literacy variable (X1) with a calculated t value of 0.607 > t table 2.01537 or signification 0.547 > 0.05 and variable financial technology (X2) with a calculated value of 3.895 > t table 2.01537 or signification of 0.000 < 0.05, it is said that only financial technology variables (X2) have a significant effect on financial inclusion variables (Y). While the F test results show that independent variables (price and product quality) have a simultaneous influence on dependent variables (purchasing decisions) with a value of F count 10,476 > F table 3.20 or signification of 0.000 < 0.05.. so Ho was rejected and Ha accepted. Based on multiple linear regression analysis the model or equation is Y = 64,392 + 0.095 (X1) + 1,140 (X2).

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Pengaruh Literasi Keuangan, Financial Technology, dan Gaya Hidup terhadap Perilaku Keuangan Guru Taman Kanak-Kanak

Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah ◽

10.47467/alkharaj.v4i2.640 ◽

2021 ◽

Vol 4 (2) ◽

pp. 290-307

Author(s):

M Iqbal Zarkasyi

Keyword(s):

Financial Literacy ◽

Sampling Technique ◽

Total Sample ◽

Teaching Profession ◽

Point Of View ◽

Financial Behavior ◽

Public And Private ◽

Teacher Qualification ◽

The Government ◽

Financial Technology

The current teaching profession is very promising in terms of income, especially for those who have obtained a professional diploma. The government provides additional income or allowances for public and private teachers through a teacher qualification certification program. The government is trying to improve the professionalism of teachers, but in reality, there are not a few teachers who view from the wrong point of view that the professional allowance is a teacher's right and a government obligation. The purpose of this study was to determine the effect of financial literacy, financial technology, and lifestyle on financial behavior in kindergarten teachers in the Sukolilo District, Surabaya City. Determination of the sample using the slovin method with purposive sampling technique resulted in a total sample of 74 respondents. The data analysis technique used is Partial square (PLS). The results of this study indicate that financial literacy has a positive and significant effect on financial behavior, financial technology is not significant to financial behavior, and lifestyle has a positive and significant effect on financial behavior.

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FINANCIAL LITERACY OF THE POPULATION AS A COMPONENT OF SOCIO-ECONOMIC DEVELOPMENT OF THE COUNTRY

Intellect XXІ ◽

10.32782/2415-8801/2021-2.14 ◽

2021 ◽

Author(s):

Iryna Bodnariuk

Keyword(s):

Economic Development ◽

Regression Analysis ◽

Financial Literacy ◽

Performance Indicator ◽

Regression Function ◽

Financial Inclusion ◽

Financial Behavior ◽

Gdp Per Capita ◽

Coefficient Of Determination ◽

Per Capita

The article substantiates the theoretical and scientific-methodical principles of financial literacy; it is established that raising the level of financial literacy is a strategic goal of the state to ensure the development of financial inclusion, because only increasing the availability and level of use of services and strengthening consumer protection without raising financial literacy will not give the desired result; It is investigated that financial literacy - knowledge, skills and attitudes necessary to ensure responsible financial behavior and increase financial inclusion Ukrainians; it is established that Ukraine lags behind the leading countries in terms of financial literacy - 11.6 in Ukraine (out of 21 possible points); the regularity of the relationship between the level of financial literacy of the population and the level of its economic development - GDP per capita; in the process of correlation-regression analysis we found a high density of communication (0.7711) between the indicators of the level of financial literacy and GDP per capita. For calculations, we used the built-in functions "correlation" and "regression" of the add-in "Data Analysis" of MS Excel. Namely, using the "correlation" function, we calculated the correlation coefficient. Using the “regression” function, the coefficient of determination, the coefficient of y-section were calculated and the regression equation was constructed, which can be used to calculate the projected value of GDP per capita according to the projected level of financial literacy of the population; The results of regression analysis allow us to conclude that there is a sufficiently close relationship between GDP per capita (performance indicator) and the factor indicator (level of financial literacy), as evidenced by the value of the coefficient of determination - R-square - 0.8843. The coefficient of elasticity shows the percentage change in the average performance (GDP per capita) with a change in the argument x (level of financial literacy) by 1%. The calculated value of the coefficient shows that with an increase in the level of financial literacy by 1%, GDP per capita increases by an average of 4.18%.

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Analisis Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Tingkat Pendidikan Terhadap Perilaku Keuangan Pelaku Umkm Kedai/Warung Makanan Di Desa Bahagia Kabupaten Bekasi

Aliansi : Jurnal Manajemen dan Bisnis ◽

10.46975/aliansi.v16i2.100 ◽

2021 ◽

Vol 16 (2) ◽

pp. 61-70

Author(s):

Puput Andriyani ◽

Ari Sulistyowati

Keyword(s):

Data Collection ◽

Significant Influence ◽

Financial Literacy ◽

Sampling Technique ◽

Education Level ◽

Partial Least Square ◽

Financial Inclusion ◽

Least Square ◽

Financial Behavior ◽

Data Collection Technique

This study aims to determine the effect of financial literacy on financial behavior, the effect of financial inclusion on financial behavior, and the effect of education level on financial behavior. The method in data processing used in this research is to use PLS (Partial Least Square) with the object of research being SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The sampling technique used was purposive probability with the form of non-probability sampling. The data collection technique used a questionnaire as many as 106 SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The results of this study indicate that there is a significant influence of financial literacy on the financial behavior of SMEs in food stalls/food stalls in Bahagia Village with t statistics 2.618 greater than t table 1.659, and a significant value of financial inclusion on financial behavior with t statistics 2.462 greater than t table 1.659, as well as the significant value of education level on the financial behavior of SMEs in food stalls/shops in Bahagia Village with a t statistics of 2.689 which is greater than a t table of 1.659.

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