scholarly journals The influence of demographic factors and financial literacy on the financial behavior

2021 ◽  
Vol 10 (1) ◽  
pp. 33
Author(s):  
Agustina Rosa Iriani ◽  
Caecilia Wahyu Estining Rahayu ◽  
Christina Heti Tri Rahmawati
Keyword(s):  
Financial Literacy ◽  
Demographic Factors ◽  
Financial Behavior ◽  
Chi Square ◽  
Purposive Sampling

Penelitian ini bertujuan untuk mengetahui (1) pengaruh faktor demografi terhadap perilaku keuangan mahasiswa Fakultas Ekonomi Universitas Sanata Dharma; dan (2) pengaruh literasi keuangan terhadap perilaku keuangan mahasiswa Fakultas Ekonomi Universitas Sanata Dharma. Jenis penelitian ini menggunakan metode survei. Penelitian ini membagikan 100 kuesioner untuk memperoleh data responden. Teknik pengambilan sampel menggunakan purposive sampling. Teknik analisis data yang digunakan adalah analisis crosstabulation dan analisis Chi Square. Hasil penelitian ini menunjukkan bahwa faktor demografi (pekerjaan orangtua, pendidikan orangtua, dan pendapatan orangtua) tidak berpengaruh terhadap perilaku keuangan mahasiswa Fakultas Ekonomi Universitas Sanata Dharma. Sedangkan, literasi keuangan berpengaruh terhadap perilaku keuangan mahasiswa Fakultas Ekonomi Universitas Sanata Dharma. Implikasi penelitian ini, meningkatnya literasi keuangan mahasiswa Fakultas Ekonomi Universitas Sanata Dharma diharapkan dapat meningkatkan perilaku keuangan mahasiswa menjadi lebih baik sehingga mampu meningkatkan kesejahteraannya.Kata kunci: Faktor demografi; literasi keuangan, perilaku keuangan

Examining the Intention to Invest in Cryptocurrencies

2021 ◽  
Vol 10 (3) ◽  
pp. 59-79
Author(s):  
Quoc Trung Pham ◽  
Hiep Hai Phan ◽  
Matteo Cristofaro ◽  
Sanjay Misra ◽  
Pier Luigi Giardino
Keyword(s):  
Financial Literacy ◽  
Perceived Control ◽  
Perceived Risk ◽  
Positive Impact ◽  
Behavioral Control ◽  
Demographic Factors ◽  
Financial Behavior ◽  
Perceived Behavioral Control ◽  
Herding Behavior ◽  
Socio Demographic Factors

Among investors of cryptocurrencies there are supporters and detractors; this claims for the identification of the behavioral and socio-demographic factors that push to invest (or not) in cryptocurrencies. A survey has been administered to 275 Italian investors. Together with socio-demographic features (gender, income, age, and education), behavioral factors derived from the theory of planned behavior (attitude, subjective norm, and perceived control behavior) and from the financial behavior literature (illegal attitude, herding behavior, perceived risk, perceived benefit, and financial literacy) have been collected and analyzed. While attitude, illegal attitude, subjective norms, perceived behavioral control, herding behavior, and perceived risk have a positive impact on investors' intentions. Socio-demographic factors and financial literacy have no influence on the intention to invest in cryptocurrencies. This is the first study that comprehensively investigates the influence of behavioral and socio-demographic factors on the intention of investors to invest in cryptocurrencies.

scholarly journals PENGARUH LITERASI KEUANGAN DAN FAKTOR DEMOGRAFI TERHADAP PERILAKU PENGELOLAAN KEUANGAN PRIBADI PADA DOSEN-DOSEN FAKULTAS EKONOMI UKIM

Jurnal Soso-Q ◽  
2020 ◽  
Vol 8 (1) ◽  
Author(s):  
Chricela N Joseph
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Scientific Journal ◽  
Demographic Factors ◽  
Test Reliability ◽  
Financial Behavior ◽  
Absolute Poverty ◽  
Management Behavior ◽  
Cross Sectional ◽  
Independent Variable

The term financial literacy is the ability of an individual to make decisions in terms of personal financial knowledge. According to Remund (2010) describes five domains of financial literacy namely knowledge of financial concepts, the ability to communicate about financial concepts, the ability to manage finances, the ability to make financial decisions and the confidence to make future plans. 1) Does financial literacy affect the personal financial management behavior of the UKIM faculty of economics? 2) Does income affect the personal financial management behavior of the UKIM faculty of economics? The output of this study is the publication of the results of studies in the National Scientific Journal (with ISSN). In this study the variables to be examined consist of the independent variable (dependent variable), namely capital ownership, dependents and education level, while the dependent variable (independent variable), namely absolute poverty. Time horizon of one stage research (cross sectional). The analysis in this study is the entire lecturer at the UKIM faculty of economics. The research method used in this research is explanatory survey. The population in this study is the whole faculty of economics at UKIM, amounting to 22 people. While the sample in this study is the entire population. Data analysis techniques used in this study are the validity test, reliability test and Chi Square Test.The results of this study indicate that 1) Demographic factors which include income do not affect the financial behavior of the UKIM faculty of economics. 2) Financial literacy has a significant effect on the financial behavior of the UKIM faculty of economicsKeywords: Financial Literacy, Demographic Factors, Financial Management Behavior.

scholarly journals Penentu Perilaku Keuangan Karyawan Muda Di Jakarta Dengan Literasi Keuangan Sebagai Variabel Mediasi

2020 ◽  
Vol 2 (2) ◽  
pp. 344
Author(s):  
Nicholas Tanada ◽  
Ignatius Roni Setyawan
Keyword(s):  
Financial Literacy ◽  
Sampling Method ◽  
Financial Behavior ◽  
Financial Socialization ◽  
Sample Collection ◽  
Online Questionnaire ◽  
Probability Sampling ◽  
Financial Attitudes ◽  
Purposive Sampling ◽  
Positive Effect

The purpose of this study is to determine whether the financial behavior of young employees can be measured through financial literacy, where the level of financial literacy in this study is seen based on financial attitudes and financial socialization. Sample collection was carried out using the Google Form online questionnaire with a non-probability sampling method of the type of purposive sampling with a total of 100 young employee respondents in Jakarta. Data processing is performed by the PLS-SEM method and calculations on the SmartPLS application 3.2.8. The results of this study indicate that financial attitudes and financial socialization, as well as financial literacy mediation variables have a significant positive effect on financial behavior. Meanwhile, financial attitudes have an insignificant indirect effect on financial behavior, through financial literacy. Tujuan penelitian ini adalah untuk mengetahui apakah perilaku keuangan karyawan muda dapat diukur melalui literasi keuangan nya, dimana tingkat literasi keuangan dalam penelitian ini dilihat berdasarkan sikap keuangan dan sosialisasi keuangan seseorang. Pengumpulan sampel dilakukan dengan menggunakan kuesioner online Google Form dengan metode non-probability sampling berjenis purposive sampling dengan total 100 responden karyawan muda di Jakarta. Pengolahan data dilakukan dengan metode PLS-SEM dan kalkulasi pada aplikasi SmartPLS 3.2.8. Hasil penelitian ini menunjukan bahwa sikap keuangan dan sosialisasi keuangan, serta variabel mediasi literasi keuangan memiliki pengaruh positif signifikan terhadap peilaku keuangan. Sedangkan, sikap keuangan memiliki pengaruh tidak langsung yang tidak signifikan terhadap perilaku keuangan, melalui variabel mediasi literasi keuangan.

scholarly journals FINANCIAL LITERACY AMONG SME’S IN MALAYSIA

2019 ◽  
Vol 7 (2) ◽  
pp. 376-383
Author(s):  
Omer Bin Thabet ◽  
Atiqah Abd Manaf. Fazlin Ali ◽  
Mazhar Kantakji
Keyword(s):  
Economic Growth ◽  
Marital Status ◽  
Failure Rate ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Demographic Factors ◽  
Financial Behavior ◽  
Food And Beverage ◽  
Socio Demographic Factors ◽  
Medium Enterprises

Purpose of Study: The objective of this study is to investigate the financial literacy among the SMEs in food and beverage sectors in Malaysia. Methodology: Small and Medium Enterprises (SMEs) play an important role in countries’ economic growth. However, the failure rate among SMEs getting higher. The literature stipulated that the lack of financial literacy is one of the main reasons caused this failure. Results: The results of 122 returned questionnaires shows that the socio-demographic factors such as age and marital status have influenced SME’s financial literacy. Moreover, the financial attitude and financial behavior found to be positively related to the financial literacy among the SMEs.

scholarly journals Demographic, Financial Literacy, and Financial Behavior of Women Working in Manufacturing Industry

2021 ◽  
Vol 10 (3) ◽  
pp. 381-393
Author(s):  
Anastasia Anggarkusuma Arofah ◽  
Destin Alfianika Maharani
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Structural Equation ◽  
Quantitative Research ◽  
Manufacturing Industry ◽  
Demographic Factors ◽  
Financial Education ◽  
Financial Behavior ◽  
Original Sample ◽  
Female Workers

The purpose of this study is to determine the effect of demographic factors and financial literacy on financial behavior of women working in manufacturing industry. Women are the targets of financial literacy due to their involvement in fulfilling the household needs and welfare. This research is quantitative research. Using the questionnaire on 115 respondents in this study from various manufacturing industries in Purbalingga with probability sampling as the technique. While the data analysis technique used Structural Equation Modelling (SEM) PLS 3.0. The findings show that, first, demographic factors contribute positively and significantly towards female workers’ financial behavior with original sample value 0.224 and t-value 2.420 > 1.96; second, financial literacy also contributes positively and significantly towards financial behavior with original sample value 0.256 and t-value 3.251 > 1.96. The higher the demographic factors of female workers, the better their financial management are. Likewise, students with low financial literacy tend to be able to hold back their urges to buy things and use services. Moreover, the significance of financial literacy and demographic factors has important implications for the development of policies that aim to improve financial behaviour among women working in financial education programs.

scholarly journals CLUSTER ANALYSIS OF FINANCIAL BEHAVIORS AND PREFERENCES AMONG THE BOTTOM OF THE PYRAMID GROUP

2019 ◽  
Vol 21 (1) ◽  
pp. 51-63
Author(s):  
Dewi Saraswati ◽  
Dian Kusumaningrum
Keyword(s):  
Cluster Analysis ◽  
Financial Literacy ◽  
Financial Planning ◽  
Financial Inclusion ◽  
Financial Behavior ◽  
Bottom Of The Pyramid ◽  
Chi Square ◽  
Banking Services ◽  
Financial Behaviors

This study investigates the financial behavior and preferences of the bottom of the pyramid (BOP) group, and thus, contributes to the financial inclusion demand-side literature. A survey of 100 households was conducted. A cluster analysis was used to analyze the data and portray the characteristics of the BOP. Further analysis was conducted using chi-square and ANOVA tests. The results reveal three sub-groups within the BOP which consists of the very low, low, and medium. Financial behaviors are found to be indifferent among the sub-groups, except for savings allocations and financial planning. Households with a better economic condition are found to have a higher attention to use banking services. The financial literacy category indicates different attitudes in conducting long-term financial planning and service preferences. This result implies that financial literacy and adequate financial products are beneficial towards the financial inclusion of the BOP group.

scholarly journals Literasi Keuangan Dan Perilaku Keuangan Karyawan Swasta di Kabupaten Jepara

2020 ◽  
Author(s):  
Hadi Ismanto ◽  
Nisa Ihlasul Amaiyah
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Demographic Factors ◽  
Multiple Linear Regression Analysis ◽  
Financial Behavior ◽  
Coefficient Of Determination ◽  
Validity And Reliability

Financial behavior is an interesting topic, given the consumptive Indonesian society. This study aims to analyze the relationship of financial literacy and demographic factors in determining the financial behavior of private employees in Jepara Regency. The sampling method uses purposive sampling and data is measured using a Likert scale 1 to 5. Data are analyzed using a quantitative approach including validity and reliability, multiple linear regression analysis, coefficient of determination, F-test, and t-test. The results of this study indicate that age, education level, income, and financial literacy simultaneously determine the financial behavior of private employees, but individually income does not affect financial behavior. High-income private employees need to control behavior in managing finances, reducing consumer spending and managing finances well. Keywords: multiple linear regression analysis, demographic factors, education, financial behavior, financial literacy

Efektivitas Short Message Service Reminderterhadap Kepatuhan Konsumsi Tablet Besi pada Wanita Hamil

1970 ◽  
Vol 2 (3) ◽  
Author(s):  
Ermiati E ◽  
Imas Rafiyah ◽  
Devi Kusnanti
Keyword(s):  
Short Message Service ◽  
Self Report ◽  
Control Group ◽  
Short Message ◽  
Control Groups ◽  
Chi Square ◽  
Purposive Sampling ◽  
Message Service ◽  
Sms Reminder ◽  
Expectant Mothers

Anemia merupakan salah satu penyebab terjadinya perdarahan dan bisa mengakibatkan kematian pada ibu hamil. Suplementasi besi merupakan program pemerintah dalam mengatasi anemia pada wanita hamil dan beberapa wanita hamil masih ada yang belum patuh dalam mengkonsumsi tablet besi. Oleh karena itu, diperlukan sebuah metode yang bisa meningkatkan kepatuhan wanita hamil dalam mengonsumsi tablet besi yaitu dengan short message service (SMS) reminder. Penelitian ini bertujuan untuk mengidentifikasi efektivitas SMS reminderterhadap kepatuhan konsumsi tablet besi pada ibu hamil di (unit pelayanan terpadu) UPT Puskesmas Cibuntu Kota Bandung. Rancangan penelitian quasi experimentaldengan desain posttest-only with control group designdengan teknik pengambilan sampel yang digunakan adalah purposive sampling. Penelitian ini dilaksanakan dari bulan April–Mei tahun 2014 di Puskesmas X Kota Bandung. Sampel berjumlah 40 orang wanita hamil yang tidak patuh dalam mengonsumsi tablet besi yang dibagi menjadi 20 kelompok intervensi dan 20 kelompok kontrol. Data diperoleh melalui kuesioner dalam bentuk self report.Analisis data yang digunakan adalah analisis deskriptif dan uji chi square. Hasil penelitian menunjukkan sebagian besar kelompok intervensi 17 orang (85%) patuh dan sebagian besar kelompok kontrol 16 orang (80%) tidak patuh. Hasil analisis dengan menggunakan chi squaredidapatkan p(0.000) dengan taraf signifikan <0.05 sehingga dapat disimpulkan bahwa SMS reminder efektif terhadap kepatuhan konsumsi tablet besi pada wanita hamil dan bisa dijadikan bahan pertimbangan bagi pihak Puskesmas untuk menjalin kerjasama dengan pihak provideratau mengajukan dana ke Dinas Kesehatan untuk mengaktifkan SMS reminderdi Puskesmas.Kata kunci: Kepatuhan, SMS reminder,tablet besi, wanita hamil AbstractAnemia is one of the leading causes of hemorrhage during pregnancy, and it can cause death to expectant mothers. Iron supplementation is a government program to overcome anemia among expectant mothers, and some of the expectant mothers still do not obediently consume iron tablets. Therefore, to increase the obedience of the expectant mothers on consuming the iron tablets, SMS reminder is the appropriate method needed. This research aims to identify the effectiveness of SMS reminder to the obedience of iron tablets consumption among expectant mothers at UPT Puskesmas Cibuntu , Bandung. The research employed quasi-experimental design with posttest-only control group design using purposive sampling technique. The research was held on April–May 2014 at UPT Puskesmas Cibuntu, Bandung. Forty expectant mothers consuming iron tablets disobediently divided into 20 intervention groups and 20 control groups were taken as the samples. Questionnaire in form of self report was used to obtain data. In addition, descriptive analysis and chi square test were applied to analyze the data. The result of the research showed that 17 persons (85%) of intervention groups were mostly obedient, and 16 persons (80%) of control groups were mostly disobedient. From the analysis using chi square, it was found the difference of the obedience of iron tablets consumption after SMS reminder (p=0.00) had been delivered with significant level <0.05. Based on the result of this research, SMS reminder had an effective impact toward the obedience of iron tablets consumption among the expectant mothers. The result will be a good consideration for Puskesmas to cooperate with provider or proposed some funds to Dinas Kesehatan to activate SMS reminder.Key words:Expectant mothers, obedience, SMS reminder, iron tablets

Hubungan Kadar Kolesterol Total Dan Hipertensi Dengan Kejadian Penyakit Jantung Koroner DI RSUD dr. Soedarso Pontianak

2018 ◽  
Vol 1 (2) ◽  
pp. 99
Author(s):  
Laila Kamila ◽  
Maulidiyah Salim
Keyword(s):  
Coronary Heart Disease ◽  
Heart Disease ◽  
Total Cholesterol ◽  
Blood Vessels ◽  
Public Hospital ◽  
Sampling Technique ◽  
P Value ◽  
Chi Square ◽  
Cross Sectional ◽  
Purposive Sampling

Abstract: Coronary heart is a disease that offense to blood vessels and heart attack due to constriction of blood vessels. A high level of cholesterol in blood or exceeds the normal limit can form sediment in wall of blodd vessels which cause blood vessels constriction or blockage. This research object to determine whether there is a correlation between cholesterol level total and hypertension with coronary heart disease in patients who hospitalized in Regional Public Hospital of dr. Soedarso Pontianak. This study was used cross sectional design, purposive sampling technique, it gained 50 people as samples. The measurement of blood pressure was done in heart poly and cholesterol total level in clinic laboratory of Regional Public Hospital of dr. Soedarso by using enzymatic CHOD-PAP method. It can be obtained that 10 people had hypertension and 40 people did not.the average of total cholesterol was 224 mg/dl. Maximum value of total cholesterol was 224 mg/dl and 152 mg/dl as minimum value. Data has been analyzed by using statistical test, Chi-Square, to determine the correlation of total cholesterol wit coronary heart disease, obtained p value=0,024 (less than α=0,05). Correlation of hypertension and coronary heart disease gained p value=0,923 (more than α=0,05), it can be concluded that total cholesterol correlated with coronary heart disease, and there was not a correlation between hypertension and coronary heart disease.Abstrak: Jantung koroner adalah penyakit yang  menyerang pembuluh darah dan serangan jantung, karena penyempitan pada pembuluh darah. Kadar kolesterol yang tinggi dalam darah melebihi normal dapat membentuk endapan pada dinding pembuluh darah sehingga menyebabkan penyempitan dan tersumbatnya pembuluh darah. Penelitian ini bertujuan untuk mengetahui hubungan kadar kolesterol total dan hipertensi dengan penyakit jantung koroner pada pasien di RSUD dr. Soedarso Pontianak. Disain penelitian  ini menggunakan cross sectional, teknik pengambilan sampel yaitu purposive sampling, didapat jumlah sampel 50 orang. Pengukuran Tensi Darah dilakukan di poli Jantung dan pemeriksaan kadar kolesterol total di laboratorium klinik RSUD dr. Soedarso Pontianak dengan metode enzimatik CHOD-PAP. Hasil penelitian didapatkan 10 orang mengalami hipertensi dan 40 orang non hipertensi. Rata-rata kadar kolesterol total 224 mg/ dl. Nilai maksimum kadar kolesterol total yaitu 224 mg/dl dan nilai minimum yaitu 152 mg/dl. Analisa data dengan uji statistik Chi-square untuk mengetahui hubungan kolesterol total dengan penyakit jantung koroner didapatkan nilai p = 0,024 (lebih kecil dari  α 0,05). Uji hubungan hipertensi dengan penyakit jantung koroner didapat nilai p = 0,923 (lebih besar dari α 0,05), dapat disimpulkan terdapat hubungan kadar kolesterol total dengan penyakit jantung koroner dan tidak ada hubungan hipertensi dengan penyakit jantung koroner.

HUBUNGAN ANTARA PERAWATAN KAKI DENGAN RISIKO ULKUS KAKI DIABETES DI RUANG RAWAT INAP RSU KABUPATEN TANGERANG

Jurnal JKFT ◽  
2017 ◽  
Vol 1 (2) ◽  
pp. 8
Author(s):  
Imas Yoyoh ◽  
Imam Mutaqqijn ◽  
Nurjanah Nurjanah
Keyword(s):  
Diabetes Mellitus ◽  
P Value ◽  
Chi Square ◽  
Cross Sectional ◽  
Purposive Sampling

Diabetes mellitus (DM) merupakan salah satu penyakit kronik yang terus menerus mengalami peningkatan jumlah yang signifikan dari tahun ke tahun. Komplikasi jangka panjang dari DM baik mikrovaskular dan makrovaskular dapat menyebabkan insufiensi aliran darah ke tungkai, yang dapat berujung pada infeksi, ulkus dan berakhir pada amputasi. Tujuan penelitian adalah mengetahui hubungan perawatan kaki dengan risiko ulkus kaki diabetes di Ruang Rawat Inap RSU Kabupaten Tangerang. Desain penelitian ini adalah analitik korelasi dengan menggunakan pendekatan Cross Sectional dengan jumlah sampel 54 responden, pengambilan sampel menggunakan purposive sampling. Metode pengumpulan data menggunakan kuesioner yang berisi pertanyaan tentang perawatan kaki dan lembar observasi tentang risiko ulkus kaki diabetes. Uji analisis data menggunakan uji Chi-square. Hasil penelitian sebanyak 54 responden didapatkan data kategori perawatan kaki baik dengan risiko ulkus rendah sebanyak 14 responden (58,3%). Sedangkan kategori perawatan kaki kurang baik dengan risiko ulkus tinggi sebanyak 21 responden (70,0%). Hasil analisis diperoleh nilai OR = 3,267 artinya perawatan kaki yang kurang baik mempunyai peluang 3,267 kali untuk risiko tinggi ulkus. Hasil uji statistik menggunakan Chi-Square diperoleh p=0,036 dimana nilai p-value < 0,05, maka Ho ditolak artinya terdapat hubungan antara perawatan kaki dengan risiko ulkus kaki diabetes di Ruang Rawat Inap RSU Kabupaten Tangerang. Pasien DM dengan perawatan kaki yang kurang baik berpeluang untuk terjadinya risiko ulkus tinggi dibandingkan dengan pasien DM yang perawatan kakinya baik. 

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