scholarly journals Pengaruh Tingkat Literasi Keuangan terhadap Pengelolaan Keuangan pada Pelaku UMKM Binaan Rumah Kreatif BUMN

Jurnal Ecogen ◽  
2020 ◽  
Vol 3 (3) ◽  
pp. 365
Author(s):  
Dita Harinda Saskia ◽  
Yulhendri Yulhendri
Keyword(s):  
Significant Influence ◽  
Financial Literacy ◽  
Financial Management ◽  
Total Population ◽  
Positive Influence ◽  
Financial Knowledge ◽  
Financial Attitudes ◽  
Total Correlation ◽  
Analysis Technique ◽  
Key Factor

This research was conduct to determine the effect of financial literacy includes financial knowledge, financial skills, and financial attitudes towards financial management in the UMKM guided by Padang BUMN Creative House”. Issues regarding financial management are a key factor that can lead to failure of UMKM. UMKM’s financial management should apply practical and effective methods in financial management by practicing accounting well to make financial information for decision making. This type of research is causal-comparative. The population in this study was the UMKM practitioners guided by BUMN Creative Houses with a total population of 287 UMKM and 75 UMKM as samples. Sampling was determined using the Slovin formula with random sampling techniques. Data collection techniques used in this study were questionnaires. The validity test uses SPSS version 20 seen in the Corrected item-total Correlation column and the reliability test seen in the“Cronbach Alpha” column. The data analysis technique” used multiple linear regression. To test the hypothesis the F test and the T-test were used, using SPSS 20 program. The results are (1) financial knowledge, financial skills, and financial attitudes, that all have a significant and positive influence on financial management in the UMKM of Padang BUMN Creative Houses. (2) financial knowledge has a positive and significant influence on financial management in the UMKM guided by Padang BUMN Creative Houses. (3) financial skills have a positive and significant influence on financial management in the UMKM guided by Padang BUMN Creative Houses. (4) financial attitudes have a positive and significant influence on financial management in the UMKM guided by Padang BUMN Creative Houses. Keywords : financial knowledge, financial skills, ‘financial attitudes

scholarly journals Peran Mediasi Locus of Control pada Perilaku Keuangan

MANAJERIAL ◽  
2019 ◽  
Vol 6 (2) ◽  
pp. 64
Author(s):  
Asep Saepuloh ◽  
Sukaris Sukaris
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Financial Management ◽  
Structural Equation ◽  
Financial Knowledge ◽  
Equation Modeling ◽  
Management Behavior ◽  
Financial Attitudes ◽  
Mediating Role ◽  
Analysis Technique

Financial problems for the next five to ten years are spending greater than income, increasing loans, and not being able to have a place to live because income and housing installment costs are not balanced, on the other hand Indonesian people's awareness of the importance of financial literacy is currently low. The purpose of this study was to determine the mediating role of the locus of control between financial knowledge, financial attitudes towards financial management behavior. The sample used was 100 respondents, the analysis technique used was structural equation modeling with WarpPLS. The results show that internal and external locus of control variables are not mediating variables between financial knowledge, financial attitudes towards financial management behavior.

scholarly journals Pengaruh Tingkat Pelayanan, Solidaritas, dan Kemampuan Bersaing Koperasi terhadap Partisipasi Anggota pada Koperasi Pegawai Republik Indonesia

Jurnal Ecogen ◽  
2020 ◽  
Vol 3 (4) ◽  
pp. 530
Author(s):  
Muhammad Rizki E ◽  
Yulhendri Yulhendri
Keyword(s):  
Data Analysis ◽  
Significant Influence ◽  
Competitive Ability ◽  
Total Population ◽  
Level Of Service ◽  
Reliability Testing ◽  
Total Correlation ◽  
Analysis Technique ◽  
West Sumatra ◽  
The Republic

This study was conducted to determine the effect of the level of service, solidarity, and the competitive ability of cooperatives to the participation of members of the KPRI Disdik West Sumatra. This research is a type descriptive and associative. The population in this study were members of the Cooperative Employees of the Republic of Indonesia (KPRI) Departement of Education in the Province of West Sumatera with a total population of 1.142 cooperative member and a sample of 92 cooperative members. Test the validity of using SPSS version 25, shown in column corrected item-total correlation and reliability testing are shown in column Cronbach alpha. The data analysis technique used is multiple linear regression. To test the hypothesis used T test using SPSS version 25. The results showed that (1) Level of Services significantly influence the Members Participation KPRI Disdik Sumatra Barat. (2) solidarity has a significant influence on the participation of member of the KPRI Disdik Sumatera Barat. (3) the ability to compete cooperatives has a significant influence on the participation of members KPRI Disdik Sumatera Barat.Keywords : sevice level, solidarity, cooperative competitiveness, member partcipation

PENGARUH LITERASI KEUANGAN TERHADAP PROFITABILITAS USAHA MIKRO KECIL DAN MENENGAH DI KOTA TANGERANG

2020 ◽  
Vol 12 (2) ◽  
pp. 270-293
Author(s):  
Eko Agus Prasetyo Endarto ◽  
Aloysius Alfando Tirtana
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Positive Influence ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Statistical Tool ◽  
Equation Modelling ◽  
Medium Enterprises

Financial literacy is important to improve personal and business financial management skill, especially for small and medium enterprises. Several previous studies have shown an influence between financial literacy and their profits. This research wants to examine whether there is an influence between financial literacy which consists of financial knowledge, behavior and attitude towards SME profits in Tangerang City. Structural Equation Modelling is used as a statistical tool to prove the specified hypothesis. By processing the data, it was found that there was a positive influence between financial literacy and profit.   Keywords: Financial Literacy, Financial Knowledge, Financial Behavior, Financial Attitude, Small Medium Enteprise

Living beyond one’s means: evidence from Malaysia

2015 ◽  
Vol 43 (1) ◽  
pp. 2-18 ◽  
Author(s):  
Yiing Jia Loke
Keyword(s):  
Low Income ◽  
Financial Literacy ◽  
Financial Distress ◽  
Financial Management ◽  
Practical Knowledge ◽  
Financial Education ◽  
Financial Knowledge ◽  
Content Type ◽  
Explanatory Variables ◽  
Financial Behaviour

Purpose – The purpose of the paper is to identify the determinants of the probability of living beyond one’s means. The paper also explores the coping mechanisms of those financially distressed as well as the debt taking behaviour of consumers. Design/methodology/approach – The study uses data obtained from the OECD International Network on Financial Education pilot study on Measuring Financial Literacy in 2010 for the case of Malaysia. A logistic regression model is used to identify the main determinants of the probability that a consumer will live beyond his/her means. The analysis is carried out by using a set of socio-economic factors and the individual’s financial behaviour and attitudinal characteristics as explanatory variables. Findings – The findings indicate that low income and seasonal income earners are more vulnerable to financial distress. Furthermore, having a higher education, higher financial knowledge and prudent financial behaviour and attitude do not necessarily translate into better financial management. Family and friends provide the main source of financial assistance in times of need. Research limitations/implications – The assessment of financial knowledge should go beyond individual’s knowledge on financial concepts and theories. Practical knowledge on financial and cash flow management should be assessed. Practical implications – The study reiterates the importance of financial education. It is imperative to include financial education as part of the schools’ curriculum and also to be incorporated as part of the Continuous Professional Development modules for working adults. Originality/value – The study is based on the first nationwide study of consumer finances in Malaysia. It contributes to the literature by integrating financial behaviour and attitudinal factors into the analysis of the ability of individuals to live within their means. The findings also show the limitations of the existing self-assessment of financial behaviour and attitude and the assessment of financial knowledge.

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.

scholarly journals Financial Attitudes and Behaviors of Internal Medicine and Internal Medicine–Pediatrics Residents

2018 ◽  
Vol 10 (6) ◽  
pp. 639-645 ◽  
Author(s):  
Rachel Wong ◽  
Patricia Ng ◽  
John Bonino ◽  
Alda Maria Gonzaga ◽  
Alexandra E. Mieczkowski
Keyword(s):  
Internal Medicine ◽  
Financial Planning ◽  
Financial Management ◽  
Financial Education ◽  
Personal Finance ◽  
Financial Knowledge ◽  
Financial Industry ◽  
Financial Attitudes ◽  
Attitudes And Practices ◽  
Educational Debt

ABSTRACT Background Residents graduate from medical school with increasing levels of debt and also may possess poor financial knowledge and practices. Prior studies have assessed resident financial knowledge and interest in financial education, yet additional information regarding their attitudes about personal finance and financial planning could be essential for the development of relevant curricula. Objective We assessed baseline financial attitudes and planning behaviors of internal medicine and internal medicine–pediatrics residents in 3 geographically diverse academic programs. Methods A modified version of the Financial Industry Regulatory Authority National Financial Capability survey was administered anonymously to residents in 3 programs in spring 2017. Outcomes included levels of educational debt, positive financial planning behaviors, perception of finances and debt, and education about personal finance. Results Response rate was 62% (184 of 298). Rates of educational debt were high, with 81% (149 of 184) of respondents reporting educational debt, and the majority owing more than $100,000. Residents' financial practices were variable, and residents could be grouped into 1 of 3 categories—concerned-engaged, concerned-unengaged, and unconcerned-unengaged—based on their engagement with debt and financial management. Residents with high debt (> $250,000) had a bimodal distribution of respondents who strongly agreed and those who strongly disagreed they were concerned about debt. Conclusions Resident financial attitudes and practices are variable, ranging from highly engaged residents actively managing their financial wellness to unengaged residents who have low concern, despite high educational debt.

scholarly journals Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya

2021 ◽  
Vol 9 (2) ◽  
pp. 572
Author(s):  
Anglia Dinda Pramedi ◽  
Nadia Asandimitra Haryono
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Self Efficacy ◽  
Structural Equation ◽  
Sampling Technique ◽  
Financial Knowledge ◽  
Primary Data ◽  
Snowball Sampling ◽  
Online Questionnaire ◽  
Management Behavior

Finance is one of the factors in the development of a business. Therefore, the entrepreneur should be able to handle finances well to reach business purposes. Based on the previous studies, the purpose of this research is to determine the effect of several factors such as financial literacy, financial knowledge, financial attitude, income, and financial self-efficacy on financial management behavior. The research sample is 211 entrepreneur who has graduated from college in Surabaya. This research used conclusive causality research with primary data. The sampling technique used purposive sampling and snowball sampling method, and data distribution using an online questionnaire. SEM (Structural Equation Model) used for data analysis technique and using AMOS 24. The hypothesis showed that financial knowledge, income, and financial self-efficacy did not affect financial management behavior, but financial literacy and financial attitude influence financial management behavior. Therefore, the entrepreneur needs to improve financial literacy and financial attitude to manage finance on the business better.

scholarly journals Pengaruh Mutasi dan Pelatihan Kerja terhadap Semangat Kerja dan Dampaknya pada Prestasi Kerja Pegawai pada Kantor Kementerian Agama Kota Cilegon

2018 ◽  
Vol 1 (2) ◽  
pp. 297-315
Author(s):  
Putri Wahyu Novika
Keyword(s):  
Data Analysis ◽  
Job Performance ◽  
Path Analysis ◽  
Significant Influence ◽  
Total Population ◽  
Job Training ◽  
Training System ◽  
Data Analysis Technique ◽  
Analysis Technique

Job achievement is very important for an organization or company to achieve its goals. The expected goal can be achieved through this research is to see the Effect of Mutation and Job Training on Job spirit And Its Impact at Ministry of Religion Office Of, Cilegon. The sample in this research were 100 employees of Cilegon city ministry office of total population of 339 employees. Data analysis technique used is path analysis. The results show that there is a significant influence between mutation, job training system and job spirit partially. Job mutations (X1) and job training (X2) affect job spirit (Z) by 85 percent, and the rest are influenced by other variables. Furthermore there is also significant influence between work mutation, job training and work morale on job performance partially, where the influence of 78,5 percent, and the rest influenced by other variables Keywords: mutation, job training, morale, employee achievement

scholarly journals PERAN PEMEDIASI LOCUS OF CONTROL PADA PENGARUH FINANCIAL KNOWLEDGE DAN FINANCIAL ATTITUDE TERHADAP FINANCIAL MANAGEMENT BEHAVIOR

2021 ◽  
Vol 9 (4) ◽  
pp. 1500-1515
Author(s):  
Bella Cahyaningrum ◽  
Muhammad Ali Fikri
Keyword(s):  
Locus Of Control ◽  
Financial Management ◽  
Sampling Technique ◽  
Positive Influence ◽  
Financial Knowledge ◽  
Primary Data ◽  
Questionnaire Data ◽  
Management Behavior ◽  
Positive Effect ◽  
Special Region

This study aim to determine the effect of financial knowledge and financial attitude towards financial management behavior with locus of control as a mediating variable for students of the Faculty of Economics and Business in Yogyakarta. The population of this study were students of the Faculty of Economics and Business in Yogyakarta, totaling 198,144 respondents. Sampling in this study used purposive sampling technique by using several criteria, namely students of the Faculty of Economics and Business in the Special Region of Yogyakarta, class 2016-2019 because students have studied finance-related subjects that have been studied in lectures, so that students have an understanding and knowledge of finance. The number of samples in this study were 96 respondents. The technique of collecting data by using a questionnaire. Data analysis tools using SmartPLS version 3.0 software. the type of data used is primary data. Direct significance testing of the hypothesis shows that financial knowledge has a positive effect on financial management behavior. Locus of control mediates the positive influence of financial knowledge on financial management behavior. Financial attitude has a positive effect on financial management behavior. Locus of control mediates the positive effect of financial attitude on financial management behavior.

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