scholarly journals Pengaruh Uang Saku, Pembelajaran Akuntansi Keuangan dan Pengalaman Kerja Terhadap Perilaku Keuangan dengan Literasi Keuangan sebagai Variabel Intervening

2021 ◽  
Vol 13 (1) ◽  
pp. 95
Author(s):  
Eka Febi Wahyuning Tyas ◽  
Agung Listiadi
Keyword(s):  
Sample Size ◽  
Financial Literacy ◽  
Work Experience ◽  
Structural Equation ◽  
Sampling Technique ◽  
Total Sample ◽  
Equation Model ◽  
Financial Accounting ◽  
Financial Behavior ◽  
Pocket Money

The financial behavior of each person is different as shown by the qualities of each individual. The study was directed to determine the results of the analysis of financial literacy to mediate the effect of pocket money, financial accounting learning, and work experience on financial behavior. Research location at the Universitas Negeri Surabaya with a research population of accounting education students at the Universitas Negeri Surabaya. Tests were carried out using purposive sampling technique and the sample size was determined using the Maholtra formula to obtain a total sample size of 120 respondents. The data collection methods were questionnaires and tests. With the Structural Equation Model data analysis technique using Warppls. So from the research results it can be seen whether there is no direct influence between pocket money on financial behavior. On the other hand, work experience and financial accounting learning variables have a positive and significant direct effect on financial behavior. Has a positive and significant influence between pocket money on financial literacy. Financial accounting learning variables and work experience have no effect on financial literacy. Financial literacy variables do not affect financial behavior and cannot mediate the effect of pocket money, financial accounting learning, and work experience on financial behavior.

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

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.

scholarly journals An integrated model of financial well-being: The role of financial behavior

Accounting ◽  
2021 ◽  
pp. 691-700 ◽  
Author(s):  
Rr. Iramani ◽  
Lutfi Lutfi
Keyword(s):  
Marital Status ◽  
Financial Literacy ◽  
Structural Equation ◽  
Online Survey ◽  
Well Being ◽  
Equation Model ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Financial Status ◽  
The Government

One of the main goals of every individual or household is to achieve financial well-being. Previous research has shown that various factors influence financial well-being. This research aims to develop an integrated family financial welfare model by examining various factors that affect it. This study uses data of 1,158 households taken using an online survey. The data is analyzed using a structural equation model. The results show that financial experience, financial knowledge, financial status, and marital status directly affect financial well-being. Financial behavior significantly mediates the influence of financial behavior, financial knowledge, and locus of control on financial well-being. Furthermore, marital status strengthens the effect of financial knowledge on financial well-being, but it does not strengthen the effect of financial experience on financial well-being. This study suggests that the Government and financial authorities need to improve further the effectiveness of financial literacy and financial inclusion programs and campaign for a more frugal life among households to avoid financial difficulties.

scholarly journals PENGARUH KOMPENSASI DAN RESILIENSI TERHADAP KEPUASAN KERJA KARYAWAN

2020 ◽  
Vol 4 (1) ◽  
pp. 156
Author(s):  
Utomo Kevin Tonnisen ◽  
Mei Ie
Keyword(s):  
Job Satisfaction ◽  
Structural Equation Model ◽  
Work Experience ◽  
Structural Equation ◽  
Sampling Technique ◽  
Equation Model ◽  
Probability Sampling ◽  
Purposive Sampling ◽  
Employee Job Satisfaction ◽  
Positive Effect

Tujuan penelitian ini adalah untuk mengetahui ada tidaknya pengaruh kompensasi terhadap kepuasan kerja karyawan dan pengaruh resiliensi terhadap kepuasan kerja karyawan. Kepuasan kerja karyawan merupakan salah satu variabel yang paling banyak diteliti. Kepuasan kerja didefinisikan sebagai suatu keadaan emosional dialami karyawan, yang bersifat menyenangkan atau bersifat positif. Kepuasan kerja pada umumnya yang dihasilkan dari penilaian karyawan terhadap pengalaman kerja atau pekerjaannya. Dengan demikian, kepuasan kerja menunjukkan sikap positif umum karyawan terhadap pekerjaannya. Apabila karyawan merasa adanya kepuasan kerja, maka karyawan tersebut dapat lebih termotivasi untuk menghasilkan kinerja yang lebih baik. Kepuasan kerja dipengaruhi oleh banyak variabel. Dalam penelitian ini, variabel yang akan diteliti pengaruhnya terhadap kepuasan kerja karyawan adalah kompensasi dan resiliensi. Kompensasi merupakan total penghargaan atau hadiah yang diberikan perusahaan sebagai pembayaran atas hasil pekerjaan karyawan, sedangkan resiliensi merupakan suatu konsep yang menunjukkan kemampuan seseorang untuk mengatasi dan beradaptasi terhadap masa-masa sulit yang dihadapinya. Metode analisis data menggunakan Structural Equation Model (SEM) dengan alat analisis SmartPLS 3.0. Sampel diambil dengan metode non-probability sampling dan teknik purposive sampling. Sampel dalam penelitian sebanyak tigapuluh orang karyawan dengan kriteria merupakan karyawan yang masih aktif bekerja dan memiliki masa kerja minimal satu tahun. Hasil pengujian hipotesis menunjukkan bahwa adanya pengaruh positif kompensasi terhadap kepuasan kerja karyawan dan adanya pengaruh positif resiliensi terhadap kepuasan kerja karyawan. Kesimpulan penelitian ini adalah kompensasi berpengaruh terhadap kepuasan kerja dan resiliensi juga berpengaruh terhadap kepuasan kerja. Keterbatasan penelitisan ini adalah jumlah sampel yang sedikit sehingga pada penelitian mendatang, jumlah sampel penelitian dapat lebih ditingkatkan.  The purpose of this study is to determine whether there is an effect of compensation on employee job satisfaction and the effect of resilience on employee job satisfaction. Employee job satisfaction is one of the most widely studied variables. Job satisfaction is defined as an emotional state experienced by employees, which is fun or positive. Job satisfaction in general results from employee evaluations of work experience or work. Thus, job satisfaction shows the general positive attitude of employees towards their work. If employees feel job satisfaction, then the employee can be more motivated to produce better performance. Job satisfaction is influenced by many variables. In this study, the variables that will be examined for their effects on employee job satisfaction are compensation and resilience. Compensation is the total award or prize given by the company as payment for the work of employees, while resilience is a concept that shows a person's ability to overcome and adapt to the difficult times they face. The data analysis method uses Structural Equation Model (SEM) with SmartPLS 3.0 analysis tools. Samples were taken by the non-probability sampling method and purposive sampling technique. The samples in this study were thirty employees with the criteria are employees who are still actively working and have a minimum working period of one year. The results of hypothesis testing indicate that there is a positive effect of compensation on employee job satisfaction and a positive effect of resilience on employee job satisfaction. The conclusion of this study is that compensation has an effect on job satisfaction and resilience also has an effect on job satisfaction. The limitation of this research is the small number of samples so that in future studies, the number of research samples can be further increased.

scholarly journals Analysis of Factors Affecting the Quality of Local Government Financial Statements

2020 ◽  
Vol 9 (1) ◽  
pp. 53-59
Author(s):  
Heylmi Umi Widaryani ◽  
Kiswanto
Keyword(s):  
Organizational Commitment ◽  
Local Government ◽  
Internal Control ◽  
Structural Equation ◽  
Sampling Technique ◽  
Equation Model ◽  
Financial Accounting ◽  
Analysis Tool ◽  
Accounting System

Testing the determinants or factors that influence the quality of LKPD is the aim of this study. All State Civil Servants (ASN) working in 51 Regional Organization (OPD) of Klaten Regency were made as research populations. The entire population was only 83 respondents who were selected as samples with purposive sampling technique in their selection. Structural Equation Model (SEM) smartPLS is a analysis tool of research data. The results showed that the effectiveness Regional Financial Accounting System (SAKD), and the effectiveness Internal Control System (SPI) had a positive and significant effect while organizational commitment did not have a positive and significant effect on quality of local government financial reports. The effectiveness of SAKD has a positive and significant effect on the effectiveness of SPI. The effectiveness SAKD, and the effectiveness SPI have a positive and significant effect on organizational commitment. The results of the study also prove that the effectiveness SPI can mediate but organizational commitment cannot mediate the relationship of regional financial accounting system to the quality of LKPD. The effectiveness SAKD and the effectiveness SPI play an important role in the quality of LKPD is the conclusion of this study.

scholarly journals Effect of owner-manager’s financial literacy on the performance of SMEs in the Cape Coast Metropolis in Ghana

2019 ◽  
Vol 9 (1) ◽  
Author(s):  
Daniel Agyapong ◽  
Albert Bampo Attram
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Equation Model ◽  
Cape Coast ◽  
National Board ◽  
Financial Decisions ◽  
Medium Enterprise ◽  
Study Population

AbstractFinancial literacy enables owner-managers of SMEs to understand and assess their own financial needs and make rational financial decisions. The paper explores the financial literacy of owner-managers of SMEs in the Cape Coast Metropolis and how such literacy influences the performance of their businesses. The study population were owner-managers of registered SMEs in the Cape Coast Metropolis from the National Board for Small and Medium Enterprise, out of which a sample of 132 was selected through the simple random sampling technique. The data was analyzed using Structural Equation Model. The results showed a positive relationship between financial literacy and the firm’s financial performance (t = 35.631, p < .00). The paper recommends that policy makers should specifically design a program and platform targeted at further enhancing the financial literacy level of these owner-managers to help improve the performance of their firms.

The Analysis of Financial Literacy and Its Impact on Investment Decisions: A Study on Generation Z In Jakarta

2021 ◽  
Vol 9 (1) ◽  
pp. 33
Author(s):  
Novia Utami ◽  
Marsiana Luciana Sitanggang ◽  
Marsiana Luciana Sitanggang
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Investment Decisions ◽  
Sampling Technique ◽  
Equation Model ◽  
Investment Behavior ◽  
Online Questionnaire ◽  
Generation Z ◽  
Convenience Sampling ◽  
The Relationship

The influence of digitalization has extended across industries including the financial sector. Numerous innovations for investment have been launched while financial information has now become easily accessible, raising potential for Generation Z (Gen Z) to make investment. This study aims to understand financial literacy and investment behavior of Gen Z in Jakarta, Indonesia. Data were collected using quantitative approach, particularly through adoption of online questionnaire and convenience sampling technique. The relationship between financial literacy and investment decisions was then analyzed using Structural Equation Model regression - Lisrel statistical software. Finally, it was found that financial literacy significantly influenced investment decisions of Gen Z in Jakarta.

scholarly journals TINGKAT LITERASI KEUANGAN DAN FINANCIAL TECHNOLOGY PADA PELAKU USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) KABUPATEN KUNINGAN

2020 ◽  
Vol 5 (2) ◽  
pp. 97-108
Author(s):  
Amir Hamzah ◽  
Dadang Suhardi
Keyword(s):  
Financial Literacy ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Analysis Method ◽  
Positive Effect ◽  
Financial Technology

The purpose of this study is to examine the level of financial literacy and financial technology of SMEs in Kuningan Regency. The sample of this study were 250 SMEs. Sampling is done by Probability sampling with proportional random sampling technique. The data analysis method with Structural Equation Modeling (SEM). From the results of the study it was found that financial attitude has positive effect on financial technology, financial behavior has positive effect on financial technology, financial knowledge has  positive effect on financial technology, financial technology has positive effect on financial inclusion.Thus, in order to achieve the level of financial literacy and financial technology in SMEs increases, SMEs must pay attention to the level of financial attitude, financial behavior, financial knowledge, financial technology so that SMEs financial inclusion also increases.

scholarly journals Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior

2021 ◽  
Vol 9 (1) ◽  
pp. 86
Author(s):  
Mamik Nur Farida ◽  
Yoyok Soesatyo ◽  
Tony Seno Aji
Keyword(s):  
Financial Literacy ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Financial Behavior ◽  
Financial Resources ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Factor Data ◽  
Financial Technology

Financial behavior is a means by which a person treats, manages, and uses available financial resources. This research aims to determine the effect of financial literacy and the use of financial technology on financial satisfaction through financial behavior as an intervening factor. Data were collected from 112 economics teachers using purposive proportional random sampling technique. Structural Equation Modeling (SEM) with AMOS 26 software was used to analyze the data. The results of this research indicate that financial literacy has no effect on financial behavior, but the use of financial technology has an effect on financial behavior, financial literacy and the use of financial technology has an effect on satisfaction finance. It was also found that financial literacy and the use of financial technology were mediated by financial behavior. Finally, use of financial technology had no effect on financial satisfaction through financial behavior as an intervening variable. These results have useful practical and theoretical implications.

Determinants of Financial Well-Being Among Young Workers in Jakarta During the Covid-19 Pandemic

2021 ◽  
Vol 26 (2) ◽  
pp. 295
Author(s):  
Pamela Lavonda, Ignatius Roni Setyawan, Margarita Ekadjadja
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Sampling Technique ◽  
Well Being ◽  
Positive Influence ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Risks ◽  
Financial Attitudes ◽  
Financial Decisions

This study aims to analyze the effect of financial attitudes, financial behavior, and financial literacy on financial welfare. This research model uses convenience sampling technique through distributing questionnaires and collected as many as 163 respondents. The data was processed using the Structural Equation Modeling (SEM) method with smartPLS 3 software. The results indicate that financial attitudes have a positive influence on financial welfare. A good financial attitude can increase awareness to manage finances so as to improve financial well-being. Financial behavior has a positive influence on financial well-being. Good financial behavior encourages people to make long-term plans to cover unforeseen costs which can ultimately improve financial well-being. Financial literacy has a positive influence on financial well-being. Financial literacy not only affects the way individuals manage finances and solve financial problems, but also has implications for the individual's ability to make financial decisions related to investments, savings, and other financial risks. Thus financial prosperity can be achieved.

scholarly journals Some Insights Into Financial Literacy Among Undergraduate Students: A Case of Bosnia and Herzegovina

2021 ◽  
Vol 12 (3) ◽  
pp. 103
Author(s):  
Jasmina Okicic ◽  
Meldina Kokorovic Jukan ◽  
Mensur Heric
Keyword(s):  
Undergraduate Students ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Education ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Financial Attitudes ◽  
Significant Difference ◽  
Financial Behaviour ◽  
The Relationship

The purpose of this research is to provide some insights into financial literacy among undergraduate students focusing primarily on the relationship between financial knowledge, financial attitudes and financial behavior and on possible gender and financial education gap in financial literacy. Using the purposive sampling technique, data collection was carried out from April to June 2020, yielding a sample of 1,046 valid responses. To gain a better understanding of the relationship between financial behaviour, financial attitudes and financial knowledge, we, primarily, use exploratory factor analysis and multiple regression model. The research findings have revealed several important issues. First, findings have suggested that financial knowledge, financial attitudes and gender may be considered as an antecedent of the financial behaviour of undergraduate students. Second, findings have also suggested a statistically - significant difference between the financial literacy of undergraduate students concerning their exposure to formal financial education.

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