scholarly journals The Role of Financial Literacy as One of the Influences of Financial Behavior

2021 ◽  
Vol 25 (3) ◽  
pp. 415
Author(s):  
Aprih Santoso, Eka Puspita Sari
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Secondary Data ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Primary Data ◽  
Study Program ◽  
Financial Attitudes ◽  
The Impact

This study aims to examine the impact of financial literacy and financial attitudes on financial behavior with locus of control as a mediation. This study uses primary data and secondary data and uses purposive sampling method in taking the sample, as many as 89 Postgraduate Students of the Management Study Program, University of Semarang. Data analysis using PLS (Partial Least Square). This study resulted: financial literacy and financial attitudes have a positive and significant impact on financial behavior and locus of control is proven as a mediating variable between the influence of financial literacy and financial attitudes on financial behavior.

scholarly journals Perilaku Keuangan Pada Pelaku UMKM Kelurahan Cinere Depok

2020 ◽  
Vol 8 (3) ◽  
pp. 225-238
Author(s):  
Yosua Triawan Harahap ◽  
Alfida Aziz ◽  
Dewi Cahyani
Keyword(s):  
Data Analysis ◽  
Locus Of Control ◽  
Financial Literacy ◽  
Population Data ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Sample Collection ◽  
Financial Attitudes ◽  
Saturated Sample

This research is a quantitative study aimed at knowing the financial literacy, financial attitude, and locus aof control to the financial behavior of SMES in Cinere village. This research uses the SME actors in Cinere village as a population of 30 MSMES. The sample collection is done using a saturated sample means all populations as a sample, so selected 30 respondents from a registered population. Data collected by spreading questionnaires. Data analysis testing is a validity test and reusability test as well as hypothesized analysis in this study using the analysis of PLS (Partial Least Square) with the program smartPLS version 3.0 and a signification rate of 5% (0.05). The results of this study indicated that (1) Financial literacy has no significant effect on financial behavior, (2) Financial attitudes have significant effect on financial behavior, (3) Locus of control significant effect on financial behavior.   Keywords: financial literacy, financial attitude, Locus of Control, Financial behavior

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (1) ◽  
pp. 37
Author(s):  
Wahyudi Wahyudi ◽  
Brigitta Azalea Pulo Tukan ◽  
Dahlia Pinem
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Partial Least Square Analysis ◽  
Analysis Technique ◽  
Positive Effect ◽  
Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (01) ◽  
pp. 37
Author(s):  
Wahyudi Wahyudi ◽  
Brigitta Azalea Pulo Tukan ◽  
Dahlia Pinem
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Partial Least Square Analysis ◽  
Analysis Technique ◽  
Positive Effect ◽  
Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

scholarly journals PENGARUH VARIABEL SOSIAL EKONOMI, DEMOGRAFIDAN IPK TERHADAP FINANCIAL LITERACY (Studi kasus terhadap mahasiswa Magister Manajemen di Universitas Udayana)

2017 ◽  
pp. 4225
Author(s):  
IGN Narindra Mandala ◽  
Luh Putu Wiagustini
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Economic Factor ◽  
Management Program ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Primary Data ◽  
Analytical Technique ◽  
Management Students

The low level of financial literacy amongst Indonesian people may concern to face ASEAN Economic Community (AEC). This study will analyze the sosio-economic factor(working period and income level), demographic factor (sex and marital status), and GPA factor of student of Master Management Program of Udayana University. The primary data is obtained using questionnaires, filled directly by the students concerned either directly or online. Analytical technique used in this study is partial least square analysis. The results shows that socioeconomic variable and GPA variable, are positively and significantly influence the financial literacy, measured by financial attitude, financial behavior and financial knowledge indicator. This findins are expected to contribute in the form of empirical and development of Financial Management Science refrence on socioeconomic, demographic and GPA influence the financial literacy, as well as to facilitate financial institutions when offering their products and services to Master of Management students at Unud.

scholarly journals Financial Literacy: Pengetahuan, Kepercayaan Diri dan Perilaku Keuangan Mahasiswa Akuntansi

Owner ◽  
2019 ◽  
Vol 3 (2) ◽  
pp. 117
Author(s):  
Gilang Puspita ◽  
Isnalita Isnalita
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Primary Data ◽  
Equation Modeling ◽  
Self Confidence ◽  
Relationship Of

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.

scholarly journals Exploring the Relationship Between Locus of Control and Financial Behavior of Accounting Student from The Social Construction Theory Approach

2021 ◽  
Vol 10 (2) ◽  
pp. 118
Author(s):  
Wirawan ED Radianto ◽  
Baswara Yua Kristama ◽  
Ika Raharja Salim
Keyword(s):  
Locus Of Control ◽  
Social Construction ◽  
Self Efficacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Survey Method ◽  
Theory Approach ◽  
Study Program ◽  
Social Construction Theory

This research examines the effect of locus control on financial literacy, including financial attitude, financial behavior, and financial self-efficacy. This study used a survey method by sending a questionnaire to the respondent through an enumerator. This study uses a sample, namely students of the accounting study program in Surabaya, Indonesia. A total of 159 questionnaires were processed from distributing 250 questionnaires randomly. This study uses the Partial Least Square data analysis. The result shows that locus of control affects financial attitude, financial behavior, and financial self-efficacy. Financial behavior increases when the respondents show excellent financial knowledge behavior and believe that they can manage for their finances. This investigation confirms that locus of control affects financial behavior. Meaning the role of locus of control is very important to increase financial behavior. This study also found that locus of control can contribute to the theory of social construction. Moreover, social construction theory can predict how individuals act to improve their financial behavior.   Received: 15 October 2020 / Accepted: 19 December 2020/ Published: 5 March 2021

scholarly journals Analisis Pengaruh Faktor-Faktor Literasi Keuangan Terhadap Keputusan Berinvestasi Pada Asuransi Jiwa di Kota Palembang

2021 ◽  
Vol 4 (3) ◽  
pp. 798-812
Author(s):  
Resa Novita ◽  
Isni Andriana ◽  
Kemas M Husni Thamrin
Keyword(s):  
Life Insurance ◽  
Financial Literacy ◽  
Structural Equation ◽  
Quantitative Research ◽  
Investment Decisions ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Equation Modeling ◽  
And Gender

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

scholarly journals The Influence of CSR Practices on Lebanese Banking Performance: The Mediating Effects of Customers’ Expectations

2021 ◽  
Vol 14 (1) ◽  
pp. 268
Author(s):  
Zeina Hassanein ◽  
Mehmet Yeşiltaş
Keyword(s):  
Structural Equation ◽  
Positive Impact ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Mediating Effects ◽  
Customer Expectations ◽  
Equation Modelling ◽  
Corporate Social ◽  
The Impact

Corporate social responsibility (CSR) issues in developing markets have acquired a lot of attention. Organisations around the globe apply a diversified set of technologies to approaching customer expectations through banking performance. This study examines the impact of CSR on Lebanese banking performance. Primary data from questionnaires were used. A total of 1000 observations were collected using a 5-point Likert scale method adopted to formulate the items. The questionnaire was tested to assess its trustworthiness regarding data collection. Partial least square structural equation modelling (PLS-SEM) was used to test the hypothesis. The overall results demonstrated the significance of CSR in terms of meeting customers’ expectations and maintaining banking performance. All CSR dimensions demonstrated a positive impact on customer expectations and Lebanese banking performance. Moreover, customer expectations proved to be a mediator between CSR and banking performance, although there was partial mediation between CSR and banking performance.

scholarly journals THE EFFECT OF ORGANIZATIONAL COMMUNICATION AND JOB SATISFACTION ON EMPLOYEE ENGAGEMENT AND EMPLOYEE PERFORMANCE AT PT. ABYOR INTERNATIONAL

2020 ◽  
Vol 1 (4) ◽  
pp. 479-489
Author(s):  
Febrial Eka ◽  
Herminingsih Anik
Keyword(s):  
Job Satisfaction ◽  
Organizational Communication ◽  
Employee Engagement ◽  
Employee Performance ◽  
Secondary Data ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Sample Method

This study aims to analyze the effect of organizational communication and job satisfaction, on employee engagement and employee performance. The research data used are primary data derived from questionnaires and secondary data derived from company data. The sample method used is the nonprobability method. The population comes from all employees of PT. Abyor International which is still active in September 2019. The analytical method used in this study is the Partial Least Square (PLS) Structured Equation Model (SEM) using Smart PLS version 3.0. The results showed that organizational communication and job satisfaction had a positive and significant effect to employee engagement. Organizational communication and job satisfaction have no significant effect to employee performance. Employee engagement has a positive and significant effect to employee performance. Employee engagement becomes mediator for organizational communication and job satisfaction variables in influencing employee performance.

scholarly journals Impact of Financial Management Practices on SMEs Profitability with Moderating Role of Agency Cost

2017 ◽  
Vol 9 (1) ◽  
pp. 23-30 ◽  
Author(s):  
Saqib Muneer ◽  
Rao Abrar Ahmad ◽  
Azhar Ali
Keyword(s):  
Financial Management ◽  
Structural Equation ◽  
Management Practices ◽  
Small And Medium Enterprises ◽  
Agency Cost ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Medium Enterprises ◽  
The Impact

The importance of Small and medium enterprises (SMEs) towards economic development and growth is considerable. Some SMEs are facing difficulties to their development due to the lack of financial resources and management experience. The objective of this study is to check the relationships of financial management practices on profitability of small and medium enterprises and also to check the impact of agency cost on this relationship. This study consists of data analysis of two hundred SMEs from Faisalabad Pakistan. The study used primary data predominantly. SPSS 23 is used for descriptive analysis and Structural Equation Model (SEM) through Partial Least Square (PLS) 3 for hypothesis testing. The findings of this study indicate the presence of positive relationship between financial management practices and SMEs profitability but agency cost as a moderator has no effect on this relationship. The study strongly recommends higher adherence to financial management practices. Policy makers, developments partners, owners, and managers of SMEs may use these findings for sustainability of their business in Pakistan.

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