scholarly journals PENGARUH AKSES KEUANGAN TERHADAP PERTUMBUHAN UKM DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL MODERASI

Author(s):  
Made Ayu Desy Geriadi ◽  
Luh Erynayati ◽  
Ni Putu Yuliana Ria Sawitri

This examination means to decide how the role financial literacy in moderating the relationship of access to finance and growth. The area for this exploration held in Denpasar. The quantity of tests taken is 100 small medium enterprise (SMEs), with a likelihood inspecting methods are basic irregular examining. Information examination in this investigation utilized the Partial Least Square (PLS) approach. PLS is a condition model for Structural Equation Modeling (SEM) in view of parts or variations. This examination is to get results which expressed that the access to finance has a positive and significant effect on growth of SMEs. Financial literacy has a positive and significant effect on growth of SMEs. Financial literacy moderates the relationship between access to finance and growth of SMEs

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Uzma Noor ◽  
Mahnaz Mansoor ◽  
Sajeela Rabbani

Purpose This study aims to investigate the generation of negative emotions and behavior in Muslim consumers from their attitude toward offensive advertising. Mediation of brand hate between attitude toward offensive advertising and brand retaliation was examined. The conditional indirect impact of religiosity on attitude toward offensive advertising and brand retaliation through brand hate was also realized. Design/methodology/approach A cross-sectional research design was used using the mall intercept survey technique. Data were collected from 380 respondents visiting the malls in the areas of Pakistan’s twin cities (Rawalpindi and Islamabad) after ensuring appropriateness for the study. Partial least square–structural equation modeling through SmartPLS software was used as a statistical technique to test the hypotheses. Findings The findings confirm that attitude toward offensive advertising affects brand hate and brand retaliation positively. The conditional indirect effect of religiosity on the relationship of attitude toward offensive advertising and brand retaliation has also proved significant. Originality/value The present study has filled a significant gap in the literature of brand hate by introducing brand hate as a mediator in the relationship of attitude toward offensive advertising and brand retaliation. It further added in the body of knowledge of brand hate by a moderated mediation mechanism of religiosity on the relationship of attitude toward offensive advertising and brand retaliation through brand hate. The present study has considered the non-offensive product being promoted through offensive advertising and explored the impact of attitude toward offensive advertising on brand hate and brand retaliation in Muslim consumers.


Owner ◽  
2019 ◽  
Vol 3 (2) ◽  
pp. 117
Author(s):  
Gilang Puspita ◽  
Isnalita Isnalita

The aims of this research is to examine the effect of financial knowledge and self confidence on  financial behavior, the effect of self confidence on  financial behavior, and the role of mediating self confidence on the relationship of financial knowledge to financial behavior. This research processed primary data using a questionnaire distributed to the student of Airlangga University. The research sample was selected using the Slovin formula at the  level of confidence 5%. The sample analyzed were 328 questionnaire. The analytical tool used is Structural Equation Modeling with the Partial Least Square approach. The results showed that financial knowledge had an effect on self-confidence, self-confidence had an effect on financial behavior, self-confidence mediated the effect of financial knowledge on financial behavior. In addition, financial knowledge does not affect financial behavior.


2020 ◽  
Vol 7 (01) ◽  
pp. 27-34
Author(s):  
Riri Zelmiyanti ◽  
Diah Amalia

ABSTRACT       This study aims to examine tax information dissemination and tax knowledge on tax compliance. The method used in this study is a survey of taxpayers in Batam State Polytechnic. The analytical tool used is Structural Equation Modeling - Partial Least Square (SEM-PLS) using WarpPLS 6.0 software. H2 in this study is supported, tax socialization directly influences the significance of tax compliance P <0.01 with R2 value of 28%. Tax knowledge has an effect on tax compliance with a significance value of P <0.01 with R2 value of 0.27 so that it supports H2. Knowledge of taxation partially mediates the effect of taxation socialization on tax compliance, the form of partial mediation shows that knowledge is not the only mediator of the relationship of socialization to tax compliance but there are other mediators. ABSTRAK      Penelitian ini bertujuan untuk menguji sosialisasi perpajakan dan pengetahuan pajak terhadap kepatuhan pajak. Metode yang digunakan pada penelitian ini yaitu survei terhadap wajib pajak di lingkungan Politeknik Negeri Batam. Alat analisis yang digunakan Structural Equation Modelling - Partial Least Square (SEM-PLS) menggunakan software WarpPLS 6.0. H2 pada penelitian ini terdukung, sosialisasi perpajakan berpengaruh secara langsung terhadap kepatuhan pajak signifikansi P<0,01 dengan nilai R2 sebesar 28%. Pengetahuan pajak berpengaruh terhadap kepatuhan pajak nilai signifikansi P<0,01 dengan nilai R2 0,27 sehingga mendukung H2.  Pengetahuan perpajakan memediasi secara parsiel pengaruh sosialisasi perpajakan terhadap kepatuhan pajak, bentuk parsiel mediasi menunjukan bahwa pengetahuan bukan satu-satunya pemediasi hubungan sosialisasi terhadap kepatuhan pajak namun terdapat pemediasi lain. JEL Classification: H21, H25


2020 ◽  
Vol 7 (01) ◽  
pp. 27-34
Author(s):  
Riri Zelmiyanti ◽  
Diah Amalia

ABSTRACT       This study aims to examine tax information dissemination and tax knowledge on tax compliance. The method used in this study is a survey of taxpayers in Batam State Polytechnic. The analytical tool used is Structural Equation Modeling - Partial Least Square (SEM-PLS) using WarpPLS 6.0 software. H2 in this study is supported, tax socialization directly influences the significance of tax compliance P <0.01 with R2 value of 28%. Tax knowledge has an effect on tax compliance with a significance value of P <0.01 with R2 value of 0.27 so that it supports H2. Knowledge of taxation partially mediates the effect of taxation socialization on tax compliance, the form of partial mediation shows that knowledge is not the only mediator of the relationship of socialization to tax compliance but there are other mediators. ABSTRAK      Penelitian ini bertujuan untuk menguji sosialisasi perpajakan dan pengetahuan pajak terhadap kepatuhan pajak. Metode yang digunakan pada penelitian ini yaitu survei terhadap wajib pajak di lingkungan Politeknik Negeri Batam. Alat analisis yang digunakan Structural Equation Modelling - Partial Least Square (SEM-PLS) menggunakan software WarpPLS 6.0. H2 pada penelitian ini terdukung, sosialisasi perpajakan berpengaruh secara langsung terhadap kepatuhan pajak signifikansi P<0,01 dengan nilai R2 sebesar 28%. Pengetahuan pajak berpengaruh terhadap kepatuhan pajak nilai signifikansi P<0,01 dengan nilai R2 0,27 sehingga mendukung H2.  Pengetahuan perpajakan memediasi secara parsiel pengaruh sosialisasi perpajakan terhadap kepatuhan pajak, bentuk parsiel mediasi menunjukan bahwa pengetahuan bukan satu-satunya pemediasi hubungan sosialisasi terhadap kepatuhan pajak namun terdapat pemediasi lain. JEL Classification: H21, H25


2020 ◽  
Vol 9 (2) ◽  
pp. 520
Author(s):  
Sidiq Arya Putra N.N ◽  
Nunung Widyaningsih ◽  
Bambang P.K. Bintoro

This study was carried out to investigate and analyze the effect of worker behavior on security, safety, health, and sustainability (In Indonesian referred to as Keamanan, Keselamatan, Kesehatan, and Keberlanjutan or K4). This study employed a descriptive research method using a quantitative approach. The sample/ subject of the study was obtained through a random sample method with a total sample of 55 respondents. Data analysis in this study was conducted using Partial Least Square (PLS); a variant based choice method of the Structural Equation Modeling (SEM) method. This method was used to explain the relationship of an independent variable with its indicators and to illustrate the relationship between an independent and dependent variable using the SmartPLS software. The results of the analysis indicate that K4 was strongly influenced by the behavior of construction workers with the highest significance value in the sequence, namely the workers, attitude, knowledge, and actions.    


2020 ◽  
Vol 7 (1) ◽  
pp. 46-52
Author(s):  
I Gusti Ngurah Surahman ◽  
Putu Ngurah Suyatna Yasa ◽  
Ni Made Wahyuni

The aims of this research was to determine the effect of service quality with customer loyalty. And customer satisfaction as a mediator between the relationship of service quality with customer loyalty. This research was collected data from 100 respondents who were customers who visited the Tourism Village in Badung Regency. The data were analyzed using structural equation modeling with partial least square approach. The results indicate an insignificant direct effect of service quality on customer loyalty. Significant direct influence on service quality with customer satisfaction, and customer satisfaction with customer loyalty. Furthermore, the results show an indirect effect between service quality and customer loyalty, which is mediated by customer satisfaction. The findings was empirically indicate that service quality has a negative effect on customer satisfaction. And customer satisfaction has a full mediating effect, customer satisfaction is important explaining the quality of service to drive customer loyalty. Based on the results it can be concluded that this research offers empirical evidence of the relationship of service quality, customer satisfaction and customer loyalty. This research makes a theoretical contribution to clarifying the high level of service quality increasing customer loyalty through customer satisfaction.


2019 ◽  
Vol 4 (2) ◽  
pp. 359-373
Author(s):  
Cut Nadhifa Harafonna ◽  
Mirna Indriani

This study aims to examine the effect of the village financial systems on accountability and the role of village financial management as an intervening variable on the relationship of village financial systems to accountability. The population in this study were villages in Pidie Jaya which consisted of 222 villages in 8 sub-districts. Sampling is done using proportional random sampling techniques. The respondents of the study were 102 people from 34 selected villages consisting of village heads, secretaries and treasurers. Data collection is done using a questionnaires that is delivered directly to the respondent. data processing is done by PLS SEM (Structural Equation Modeling-Partial Least Square). The results of this study indicate that village financial systems influence accountability. financial management cannot be an intervening variable for the relationship of the village financial system with accountability.


2020 ◽  
Author(s):  
Murat Kayak

This study aims to investigate destination brand prestige, and to explore the mediating effects of destination brand worldness between destination brand prestige and intention to revisit. Research is designed to collect primary data from the Taiwanese tourists. Partial least squares structural equation modeling is used to test the effects. The research model is appropriately implemented in Smart PLS 3 and a full mediation has existed through the empirical findings. The study shows how destination brand worldness mediates the relationship between destination brand prestige and intention to revisit.


2020 ◽  
Vol 11 (1) ◽  
pp. 105-117
Author(s):  
Arizqi Arizqi

Abstrak. Efek eksistensi merupakan eksistensi sumber daya manusia yang muncul dari efek atau sesuatu yang telah dilakukan oleh sebuah aktivitas. Efek eksistensi dalam penelitian ini merupakan eksistensi mahasiswa yang dimunculkan dari kegiatan belajar mengajar dikelas. Begitu pentingnya sebuah efek eksistensi sebagai output kegiatan belajar mengajar, maka penelitian ini bertujuan untuk menguji pengaruh responsibility, attractiveness, emphaty, dan juga competency dari seorang pengajar dalam mempengaruhi peningkatan efek eksistensi mahasiswa di Universitas Islam Sultan Agung (UNISSULA) Semarang.  Jenis penelitian ini merupakan penelitian penjelasan (Explanatory Research) yang berusaha mengetahui hubungan antar variabel penelitian. Penelitian dilakukan dengan metode survey dengan menyebarkan kuesioner kepada 212 mahasiswa dari dari 4 mata kuliah 5 kelas. Analisis data penelitian dilakukan dengan pengujian structural equational modelling (SEM) dan menggunakan pendekatan varians (partial least square), kemudian pengolahan data didukung dengan aplikasi SmartPLS. Hasil penelitian menunjukkan bahwa efek eksistensi sumber daya manusia didalam organisasi dapat ditingkatkan melalui peningkatan emphaty dosen terhadap mahasiswa. Kemudian untuk meningkatkan kompetensi seorang dosen dapat ditingkatkan melalui peningkatan attractiveness atau metode pembelajaran yang atraktiv ketika melakukan pembelajaran dikelas. Sementara itu responsibility tidak mampu menjelaskan terhadap efek eksistensi mahasiswa.Kata Kunci : Tanggung jawab, atraktif, empati, kompetensi dan efek eksistensi. Abstract. Existancy Effect is the existence of human resources that arise from the effect or something that has been done by an activity. Existancy Effect in this research is the existence of students arising from teaching and learning activities in class. Once the importance of an Existancy Effect as an output of teaching and learning activities, then this research aims to examine the influence of responsibility, attractiveness, empathy, and also competency in influencing the improvement of existency effect toward human resources (students) at Sultan Agung Islamic University (UNISSULA) Semarang. The type of this research is an explanatory research that seeks to determine the relationship between research variables. This research was conducted through survey method by distributing questionnaires to 212 students from 4 courses in 5 classes. The research data analysis used Structural Equation Modeling (SEM) and used partial least square. The data processing was supported by SmartPLS application. The results showed that the existence effect of human resources in organizations can be improved through increasing the empathy of lecturers with students, Furthermore, in order to improve the lecturer’s competency, it needs an attractiveness in the learning method. Meanwhile responsibility cannot explain the existance effect of students.Keywords: responsibility, attractiveness, emphaty, competency, existence effect.


2021 ◽  
Vol 4 (3) ◽  
pp. 798-812
Author(s):  
Resa Novita ◽  
Isni Andriana ◽  
Kemas M Husni Thamrin

The purpose of this research is to analyze the effect perceptions about financial literacy factors against the investment decisions on life insurance in Palembang. The population in this study is the owner of life insurance in Palembang, the sampling in this study is using the Purposive Sampling method with 50 respondents as samples. The type of research used is quantitative research with primary data sources obtained from distributing questionnaires to respondents. The data analysis technique in this research are descriptive and inferential statistical analysis using Structural Equation Modeling (SEM) with smartPLS (Partial Least Square) 3.0 software. The results showed that the perception of age and gender has no significant effect against the investment decisions on life insurance in Palembang, meanwhile the perception of education level and income have a significant effect against the investment decisions on life insurance in Palembang. Keywords: Age, Gender, Level of Education, Income, Investment Decisions


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