scholarly journals The Effect of Financial Literacy and Financial Inclusion on Small Enterprises Performance in East Kalimantan

2019 ◽  
Vol 15 (1) ◽  
pp. 48-59 ◽  
Author(s):  
Poppy Alvianolita Sanistasya ◽  
Kusdi Raharjo ◽  
Mohammad Iqbal
Keyword(s):  
Financial Literacy ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Quantitative Approach ◽  
Small Enterprises ◽  
Probability Sampling ◽  
East Kalimantan ◽  
Level Analysis

AbstractThe aim of this paper is to find out the effect of financial literacy on enterprises (SEs) performance and the effect of financial inclusion on small enterprises (SEs) performance. This research is an explanatory research. The sample includes 100 SEs in East Kalimantan. The sample is gathered by using non probability sampling technique. By implementing census approach the data is gathered from all SEs in East Kalimantan. This study was a quantitative approach and data were analyzed using PLS (Partial Least Square). The unit of level analysis is the SEs business players in East Kalimantan. The results showed a positive and significant effect of financial literacy on enterprises (SEs) performance and, financial inclusion positively affects the performance of small enterprises (SEs). Keywords: financial literacy, financial inclusion, small enterprises performancePengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan TimurAbstrakPenelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan terhadap kinerja usaha kecil, dan pengaruh inklusi keuangan terhadap kinerja usaha kecil. Jenis penelitian ini adalah penelitian explanatory. Sampel penelitian adalah 100 UMKM yang ada di Kalimantan Timur. Sampel dikumpulkan menggunakan teknik non probability sampling dengan pendekatan sensus yaitu mengambi seluruh UMKM yang beroperasi di Kalimantan Timur untuk dijadikan sampel dan dilakukan pengujian untuk menjawab isu penelitian yang diangkat. Penelitian ini bersifat kuantitatif dan menggunakan alat analisis PLS (Partial Least Square). Level unit analisis penelitian ini adalah pelaku usaha kecil di Kalimantan Timur. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh secara signifikan terhadap kinerja usaha kecil dan inklusi keuangan memiliki pengaruh signifikan terhadap kinerja usaha kecil. Kata kunci: literasi keuangan, inklusi keuangan, kinerja usaha kecil

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

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.

scholarly journals Fin-Tech, Financial Inclusion, and Sustainability: a Quantitative Approach of Muslims SMEs

2021 ◽  
Vol 6 (1) ◽  
pp. 54
Author(s):  
Yulfan Arif Nurohman ◽  
Melia Kusuma ◽  
Devi Narulitasari
Keyword(s):  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Quantitative Approach ◽  
Positive Relation ◽  
The Government ◽  
Medium Enterprises ◽  
Financial Technology

Sustainability of Small and Medium Enterprises (SMEs) is very important to be noted or observed. Because the majority of Indonesia�s population is Muslim and many of them are SMEs Actors. This study aim to provide empiric proves about the relation among financial technology (Fintech), financial inclusion, and sustainability muslims SMEs in Solo Raya area. This study uses quantitative approach. Analysis instrument used in this study is Partial Least Square (PLS). All data in the study are collected by handing out questionnaires to 96 SMEs owners who are Muslim chosen with accidental sampling technique. The result of this study shows that there is a positive relation between financial technology and financial inclusion. Financial technology also have positive relation toward the sustainability of SMEs. Besides that, financial inclusion also have positive relation with the sustainability of SMEs. With these results, it is expected that could give more viewpoint to the Government to give a convenient access and support the existence and sustainability of SMEs

scholarly journals INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA DAN KEBERLANGSUNGAN SEKTOR USAHA MIKRO KECIL MENENGAH

2021 ◽  
Vol 10 (1) ◽  
pp. 135-152
Author(s):  
Mei Ruli Ninin Hilmawati ◽  
Rohmawati Kusumaningtias
Keyword(s):  
Financial Literacy ◽  
Business Performance ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Sustainable Business ◽  
Great Opportunity ◽  
Independent Variables ◽  
Dependent Variables ◽  
Least Square Approach

Abstrak: Inklusi Keuangan dan Literasi Keuangan terhadap Kinerja dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Suatu kinerja unggul dan bisnis yang berkelanjutkan dapat terwujud apabila terdapat upaya-upaya strategis yang dilakukan. Jawa Timur merupakan salah satu provinsi dengan jumlah UMKM yang cukup banyak memiliki peluang yang besar untuk meningkatkan perekonomian Indonesia. Penelitian ini dilakukan untuk menganalisis pengaruh inklusi keuangan dan literasi keuangan terhadap kinerja dan keberlangsungan sektor UMKM yang terdapat di Kota Surabaya. Penelitian ini merupakan penelitian kuantitatif dengan inklusi keuangan (INKA) dan literasi keuangan (LIKA) sebagai variabel independen, serta kinerja usaha (KIUS) dan keberlangsungan usaha (KEUS) sebagai variabel dependen. Sampel pada penelitian ini berjumlah 113 UMKM yang kemudian dilakukan analisis dengan pendekatan Partial Least Square. Hasil penelitian menyimpulkan bahwa inklusi keuangan tidak berpengaruh terhadap kinerja dan keberlangsungan sektor UMKM. Sedangkan literasi keuangan memiliki pengaruh yang terhadap kinerja dan keberlangsungan sektor UMKM.Kata kunci: Inklusi Keuangan, Literasi Keuangan, Kinerja Bisnis, Keberlangsungan Bisnis, UMKMAbstract: Financial Inclusion and Financial Literacy on the Performance an Sustainability of the MSMEs. Excellent performance and sustainable business can be realized if there are strategic efforts. East Java, as one of the Province with a large number of MSMEs that have a great opportunity to improve the Indonesian economy. This study was conducted to analyze the effect of financial inclusion and financial literacy on the performance and sustainability of MSMEs in Surabaya. This research is a quantitative study with independent variables are financial inclusion (INKA) and financial literacy (LIKA), and the dependent variables are business performance (KIUS) and business continuity (KEUS). The sample in this study amounted to 113 MSMEs which were then analyzed using the Partial Least Square approach. this study concludes that financial inclusion has no effect on the performance and sustainability of MSMEs. while financial literacy has a influence on the performance and sustainability of MSMEs. Keywords: Financial Inclusion, Financial Literacy, Business Performance, Sustainability, MSMEs

scholarly journals Peran Modal Sosial Sebagai Mediator Literasi Keuangan dan Inklusi Keuangan Pada Kaum Muda di Indonesia (Studi Kasus pada Komunitas Investor Saham Pemula)

2017 ◽  
Vol 10 (3) ◽  
pp. 243
Author(s):  
Rachmat Simbara Saputra ◽  
Andrieta Shintia Dewi
Keyword(s):  
Social Capital ◽  
Sample Size ◽  
Direct Effect ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Probability Sampling ◽  
Younger Generation ◽  
The Relationship

Currently the level of financial literacy and financial inclusion in Indonesian people, especially the younger generation, is still considered very low. Therefore, the role of social capital for improving financial literacy and financial inclusion in society need special attention. Social capital is expected to become a mediator for improving financial literacy and financial inclusion. This study aims to decide the role of social capital as a mediator of the relationship between financial literacy and financial inclusion. In addition, this study also examined the direct effect of financial literacy on financial inclusion. The population of this study were all members of the Investor Saham Pemula Community a number of 320 members. Making sample of this research using non-probability sampling technique with a sample size of 180 samples. This study adopts and uses Sobel and Kenny and Baron test to test the effect of mediation of social capital in the relationship between financial literacy and financial inclusion. The finding in this study is a proven social capital mediates the relationship between financial literacy and financial inclusion and there are no direct effect between financial literacy and financial inclusion. 

scholarly journals FINANCIAL ADVICE, LITERACY, INCLUSION AND RISK TOLERANCE: THE MODERATING EFFECT OF UNCERTAINTY AVOIDANCE

2021 ◽  
Vol 24 (4) ◽  
pp. 105-123
Author(s):  
Gentjan Çera ◽  
Khurram Ajaz Khan ◽  
Zuzana Rowland ◽  
Humberto Nuno Rito Ribeiro
Keyword(s):  
Financial Literacy ◽  
Negative Relationship ◽  
Uncertainty Avoidance ◽  
Risk Tolerance ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Special Focus ◽  
Financial Advice ◽  
Financial Behaviour

The aim of this paper is to investigate the determinants of financial advice with a special focus on the cultural role in the influence of risk tolerance on seeking advice for financial issues. Financial literacy is covered by financial attitude, behaviour and knowledge. Financial inclusion is the other factor considered in the conceptual framework, as an indicator which can enhance both financial behaviour and financial advice. The research is based on primary data collected in two European nations, manifesting differences in culture, which gives the possibility to test the uncertainty avoidance role in the above relationship. This particular focus is the novelty of this work, as it sheds light on the importance of culture while designing policies with the aim to enhance individuals’ financial literacy and advice. The hypotheses are tested by using Partial Least Square- Structural Equation Modelling (PLS-SEM) method. It was found that financial behaviour improves as financial inclusion gets better, along with financial attitude and knowledge. Furthermore, financial advice is positively influenced by financial inclusion and risk tolerance and partly by financial literacy. Additionally, findings demonstrate that culture does matter in explaining differences between countries. Culture in this paper is represented by uncertainty avoidance, as one of the Hofstede’s culture dimension. Individuals from countries that manifest a very high preference for avoiding uncertainty reflect a negative relationship between risk tolerance and financial advice. The paper offers useful insights for policymakers and industry leaders in understanding the most influential factors on financial advice. This enables them to scheme policies and services aimed at equipping citizens with knowledge and skills to make the best use of their financial resources.

scholarly journals The Influence of Demographics and Religiosity Factors on Islamic Financial Literacy

INFERENSI ◽  
2021 ◽  
Vol 15 (1) ◽  
pp. 91-116
Author(s):  
Riris Aishah Prasetyowati ◽  
Djubaedi Yunus ◽  
Ahmad Rodoni ◽  
Amilin Amilin
Keyword(s):  
Moral Hazard ◽  
Hypothesis Testing ◽  
Sample Size ◽  
Financial Literacy ◽  
Likert Scale ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach ◽  
Survey Method ◽  
Pls Method

The purpose of this study is to examine the influence of demographics and religiosity on Islamic financial literacy. Using a quantitative approach with a Likert scale questionnaire-based survey method, the population was 2800 respondents of Sharia Bank customers in Jakarta, Bogor, Depok, Bekasi, Tangerang, Surabaya, Semarang, and other cities in Indonesia. The accidental method was used and obtained a selected sample size of 400 respondents, which were analyzed using the Partial Least Square (PLS) method. The novelty shows that dimensions that do not support the significant effect of demographic and religiosity variables on Islamic financial literacy are income, moral, and experience if associated with moral hazard because they are supported by manifestations related to morality. The results of hypothesis testing show that there is a significant effect of demographics on religiosity, a significant effect of demography on Islamic financial literacy, and a significant effect of religiosity on Islamic financial literacy.

PERAN MODAL SOSIAL SEBAGAI MEDIATOR LITERASI KEUANGAN DAN INKLUSI KEUANGAN PADA USIA PRODUKTIF DI KABUPATEN GUNUNGKIDUL

2020 ◽  
Vol 15 (1) ◽  
pp. 27
Author(s):  
Elizabeth Fiesta Clara SB ◽  
Astrie Krisnawati
Keyword(s):  
Social Capital ◽  
Financial Literacy ◽  
Poverty Alleviation ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
The Other ◽  
Probability Sampling ◽  
The Relationship ◽  
Determinant Factor

ABSTRACT Financial inclusion is proven to decrease poverty and social gap if it is done maximally. Gunungkidul regency as one of all regency with the poorest population in Daerah Istimewa Yogyakarta. The determinant factor in successful financial inclusion is financial literacy toward the population themselves. Furthermore, the other factor to accelerate poverty alleviation is the role of the productive population.This research aims to discover the role of social capital as the financial literacy and financial inclusion mediator of Gunungkidul’s Regency productive population. With social capital is expected to be a mediator in improving literacy and inclusion finance.The population in this research is 729.364 productive ages of Gunungkidul’s Regency population and the sample was taken by non-probability sampling technique which produced 424 samples. This study adopted Sobel test also Kenny and Baron method to examine the effect of mediaton of social capital in the relationship between financial literasion and financial inclusion. The result of this study found that social capital proved to partially mediate the association beteen financial literacy and financial inclusion of productivity age in Gunungkidul Regency. Keywords: Poverty, Financial Literacy, Financial Inclusion, Social Capital, Partially Mediation, Gunungkidul Regency. ABSTRAK Gunungkidul termasuk Kabupaten dengan jumlah warga miskin Yogyakarta. Inklusi keuangan dipercaya dapat menurukan kemiskinan apabila dilakukan secara maksmial serta dapat mengurangi kesenjangan sosial. Salah satu faktor penentu keberhasilan inklusi keuangan adalah adanya literasi keuangan pada masyarakat itu sendiri, faktor lain yang dapat mempercepat pengentasan kemiskinan adalah peran masyarakat produktif. Penelitian ini bertujuan untuk mengetahui peran modal sosial sebagai mediator literasi keuangan dan inklusi keuangan pada usia produktif di Kabupaten Gunungkidul yang diharapkan dapat meningkatkan literasi keuangan dan inklusi keuangan itu sendiri. Populasi penelitian ini adalah masyarakat Kabupaten Gunungkidul berusia produktif sebesar 729.364 jiwa. Pengambilan sampel dengan teknik non-probability sampling menghasilkan sampel sejumlah 424 jiwa. Penelitian mengadopsi dan menggunakan tes Sobel serta metode Baron dan Kenny dalam pengujian pengaruh mediasi modal sosial pada hubungan literasi keuangan dan inklusi keuangan. Hasil penelitian menemukan bahwa modal sosial terbukti secara parsial memediasi hubungan antara literasi keuangan dan inklusi keuangan pada usia produktif di Kabupaten Gunungkidul. Kata kunci: Usia Produktif, Literasi Keuangan, Inklusi Keuangan, Modal Sosial, Kabupaten Gunungkidul.

scholarly journals THE MEDIATING ROLE OF SOCIAL CAPITAL IN THE RELATIONSHIP BETWEEN FINANCIAL LITERACY AND FINANCIAL INCLUSION

2021 ◽  
Vol 19 (4) ◽  
pp. 782-790
Author(s):  
Moh. Agung Setiawan ◽  
◽  
Ubud Salim ◽  
Nur Khusniyah ◽  
◽  
...  
Keyword(s):  
Social Capital ◽  
Financial Literacy ◽  
Predictor Variable ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Mediating Role ◽  
The People ◽  
The Relationship

The purpose of this study is to examine the mediating role of social capital in the relationship between financial literacy and financial inclusion in the Malang Raya region. The unit of analysis used in this study is the people in Malang City, Malang Regency, and Batu City. The sampling technique used was proportionate stratified random sampling. Data analysis in this study used Partial Least Square (PLS). The results of this study indicate that financial literacy has a significant effect on financial inclusion. Financial literacy has a significant effect on social capital, social capital significantly affects financial inclusion, and social capital mediates the relationship between financial literacy and financial inclusion. This result shows that social capital has a partial mediating role, meaning that the effect on financial inclusion goes through the main predictor variable, financial literacy and social capital. Therefore, the local government can take advantage of policies related to social capital to impact efforts to improve financial inclusion in the community and regional economic conditions. This study also explained that, in general, the people in the Malang Raya region had good financial literacy. Future studies should use qualitative exploration by conducting interviews with respondents to explain other phenomena, especially for people geographically unbankable.

scholarly journals PENGARUH LITERASI KEUANGAN, PERENCANAAN KEUANGAN DAN PENDAPATAN TERHADAP KESEJAHTERAAN KEUANGAN GURU PEREMPUAN DI KOTA DENPASAR

2021 ◽  
Vol 10 (7) ◽  
pp. 672
Author(s):  
Anisa Putri Nur Hidayah ◽  
Ida Bagus Anom Purbawangsa ◽  
Nyoman Abundanti
Keyword(s):  
Financial Literacy ◽  
Financial Planning ◽  
Structural Equation ◽  
Sampling Technique ◽  
Well Being ◽  
Partial Least Square ◽  
Least Square ◽  
Theoretical Research ◽  
Primary Data ◽  
Female Teachers

Financial literacy is financial knowledge and capability that affects efforts to improve financial well-being. This study aims to obtain empirical evidence that financial literacy, financial planning, and income have an effect on financial well-being. The data used in the research is primary data which was collected by conducting a survey in the form of distributing questionnaires and interviews with female teachers in Denpasar City. The sample is determined by the nonprobability sampling technique, quota sampling type. This study uses data analysis techniques Structural Equation Model (SEM) with Partial Least Square (PLS) software. This study shows that financial literacy, financial planning, and income have a positive and significant effect on the financial welfare of female teachers in Denpasar City. The implications of the theoretical research results add to the reference to empirical research on the concept of financial literacy and welfare theory. This shows that financial literacy which includes the knowledge, skills, and beliefs of individuals in managing their finances will influence financial decisions that will be made to achieve the expected financial well-being. Keywords: Financial Literacy, Planning, Income, Welfare.

scholarly journals Pengaruh Teamwork terhadap Kinerja Karyawan melalui Job Satisfaction

2021 ◽  
Vol 9 (3) ◽  
pp. 954-965
Author(s):  
Dini Hariani Octavia ◽  
Budiono Budiono
Keyword(s):  
Job Satisfaction ◽  
Statistical Analysis ◽  
Significant Influence ◽  
Random Sampling ◽  
Employee Performance ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach

This research aims to examine and analyze the effect of teamwork on employee performance through employees' job satisfaction at PT. Jasa Raharja Cabang Jawa Timur. This research is causality research with a quantitative approach. The population in this research is 159 employees. The sample was collected through a random sampling technique and obtained 62 respondents”the statistical analysis using Partial Least Square with SmartPLS 3.0. The results show that teamwork has a positive and significant influence on employee performance, teamwork has a positive and significant influence on job satisfaction. Job satisfaction has a positive and significant influence on employee performance. Teamwork has no significant influence on employee performance through job satisfaction. Companies can encourage employees to do teamwork by creating teams to complete tasks.

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