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 Pengaruh Ekspektasi Pengembalian, Toleransi Risiko, Dan Efikasi Diri Terhadap Minat Investasi Saham

2020 ◽  
Vol 2 (1) ◽  
pp. 22
Author(s):  
Frans Frans ◽  
Sarwo Edy Handoyo
Keyword(s):  
Self Efficacy ◽  
Sampling Method ◽  
Risk Tolerance ◽  
Sample Collection ◽  
Online Questionnaire ◽  
Expected Return ◽  
Probability Sampling ◽  
Purposive Sampling ◽  
Stock Investment ◽  
Positive Effect

The purpose of this research is to examine the influence of expected return, risk tolerance, and self-efficacy toward stock investment intention. Sample collection was conducted using the Google Form online questionnaire with a purposive sampling, type of non-probability sampling method, with a total of 100 respondents from the Faculty of Economics and Business, Universitas Tarumanagara, Jakarta. Data processing is done by PLS-SEM method and analyzed with SmartPLS 3.2.8. The results of this study indicate that expected return and risk tolerance have a significant positive effect on stock investment intention. Whereas, self-efficacy does not have a significant effect. Tujuan penelitian ini adalah untuk mengetahui pengaruh ekspektasi pengembalian, toleransi risiko, dan efikasi diri terhadap minat investasi saham. Pengumpulan sampel dilakukan dengan menggunakan kuesioner online Google Form dengan metode non-probability sampling berjenis purposive sampling dengan total 100 responden mahasiswa Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara Jakarta. Pengolahan data dilakukan dengan metode PLS-SEM dan dianalisis dengan SmartPLS 3.2.8. Hasil penelitian ini menunjukan bahwa ekspektasi pengembalian dan toleransi risiko memiliki pengaruh positif signifikan terhadap minat investasi saham. Sedangkan, efikasi diri tidak memiliki pengaruh yang signifikan.

scholarly journals A Critical Review of Digital Marketing: Effect of Flow and Impulse Buying

2021 ◽  
Vol 17 (2) ◽  
pp. 175-194
Author(s):  
Rahmawati Azizah Mt ◽  
Ria Octavia
Keyword(s):  
Linear Regression Analysis ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Impulse Buying ◽  
Buying Behavior ◽  
Online Questionnaire ◽  
Probability Sampling ◽  
Purposive Sampling ◽  
Willingness To Buy ◽  
Positive Effect

Abstract: This study aims to examine the influence of user belief on flow, willingness to buy on flow, and flow on impulse buying behavior. The subjects of this research include Students/College Students, Civil Servants, Private Employees, Lecturers/Teachers, Professionals (accountants, consultants, etc.). The technique used is non-probability sampling , purposive sampling, with a total sample of 300 respondents aged 17 to 45 and are users of the digital application, Shopee, in Indonesia. The research instrument was an online questionnaire and was analyzed using multiple linear regression analysis. The results of this study showed that the dimension of the perceived usefulness of user belief has a positive effect on flow. Willingness to buy has a positive effect on flow and flow has a positive effect on impulse buying. Meanwhile, the ease of use dimension of the user belief variable has no positive effect on flow.Keywords: flow, willingness to buy, user belief, impulse buying behavior. Tinjauan Kritis Pemasaran Digital: Pengaruh Flow dan Pembelian Impulsif Abstrak: Penilitian ini bertujuan untuk menguji pengaruh kepercayaan pengguna (user belief) terhadap flow, willingness to buy terhadap flow, dan flow terhadap perilaku pembelian spontan. Subjek penelitian ini meliputi Pelajar/Mahasiswa, PNS, Karyawan Swasta, Dosen/Guru, Profesional (akuntan, konsultan, dll). Teknik yang digunakan adalah non-probability sampling dengan jenis purposive sampling dengan kriteria usia 17 hingga 45 tahun dengan total sampel 300 responden dan merupakan pengguna aplikasi digital Shopee di Indonesia. Instrumen penelitian ini adalah kuesioner yang dibuat secara daring dan dianalisis dengan menggunakan analisis regresi linier berganda. Hasil penelitian ini menemukan bahwa dimensi manfaat yang dirasakan dari kepercayaan pengguna berpengaruh positif terhadap flow, willingness to buy berpengaruh positif terhadap flow dan  flow berpengaruh positif terhadap pembelian spontan. Sedangkan, dimensi kemudahan menggunakan dari variabel kepercayaan pengguna tidak berpengaruh positif terhadap flow.Kata kunci: flow, willingness to buy, kepercayaan pengguna, perilaku pembelian spontan.

scholarly journals The Impact of Financial Literacy on Investment Decisions Between Saving and Credit: Studies on Sharia Bank Customers in the Special Region of Yogyakarta

2020 ◽  
Vol 3 (4) ◽  
Author(s):  
R. Heru Kristanto HC ◽  
◽  
R. Hendry Gusaptono
Keyword(s):  
Financial Literacy ◽  
Investment Decisions ◽  
Sampling Technique ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Financial Attitudes ◽  
Financial Awareness ◽  
The Impact ◽  
Positive Effect ◽  
Special Region

Investment decision-making will involve cognitive, psychological, social and behavioral aspects. Financial literacy includes financial knowledge, financial behavior, financial awareness and financial attitudes. This study aims to analyze the impact of financial literacy on investment decisions of Sharia Bank customers. The sampling technique uses random sampling on Sharia Bank customers in the Special Region of Yogyakarta, Indonesia. Data analysis using multiple regression. The results reveal that 1) Financial knowledge has a positive effect on investment decisions. 2) Financial behavior has a positive effect on investment decisions. 3) Financial awareness has a positive effect on investment decisions. 4) Financial attitudes has a positive effect on investment decisions.

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 THE EFFECT OF RELIGIOSITY, THE LEVEL OF INCOME, AND THE LEVEL OF ISLAMIC FINANCIAL LITERACY TOWARD THE INTEREST OF STUDENT TO BECOME CUSTOMERS IN SHARIA FINANCIAL INSTITUTION

2019 ◽  
Vol 8 (1) ◽  
pp. 109-121
Author(s):  
Rifda Amalia Luthfiani ◽  
Ratna Candra Sari
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Institutions ◽  
Financial Literacy ◽  
Sampling Method ◽  
Financial Institution ◽  
Purposive Sampling ◽  
Independent Variables ◽  
Linear Regression Technique ◽  
Positive Effect

Abstract : The Effect of Religiosity, The Level of Income, and The Level of Islamic Financial Literacy Toward The Interest Of Student To Become Customers In Sharia Financial Institution. This research aims to analyze (1) the effect of religiosity toward the interest of students to become customers in Sharia financial institutions, (2) the effect of income on the interest of students to become customers in Sharia financial institutions, (3) the effect of the level of Islamic financial literacy the interest of students to become customers in Sharia financial institutions, and (4) the effect of religiosity, income, and the level of Islamic financial literacy the interest of students to become customers in Sharia financial institutions.This research was causal research, used a purposive sampling method, and used multiple linear regression technique. The results of this research indicate that all independent variables have a positive effect on the dependent variable. Keywords : The Interest of Students to Become Customers in Sharia Financial Institutions, Religiosity, The Level of Income, The Level of Islamic Financial Literacy

scholarly journals The impact of Risk Willingness and Opportunity Recognition on Business Owners’ Performance in Sabah, Malaysia

2021 ◽  
Vol 6 (1) ◽  
pp. 31
Author(s):  
Deewasnari Muddat ◽  
Sylvia Nabila Azwa Ambad ◽  
Rosmimah Mohd Roslin ◽  
Nelson Lajuni
Keyword(s):  
Essential Role ◽  
Sampling Method ◽  
Practical Implication ◽  
Likert Scale ◽  
Business Owners ◽  
Opportunity Recognition ◽  
Probability Sampling ◽  
Purposive Sampling ◽  
The Impact ◽  
Positive Effect

This paper examines the impact of risk willingness and opportunity recognition on business owners’ performance in Sabah, Malaysia. The paper adopts non-probability sampling, known as a purposive sampling method, in selecting business owners. A total of 600 surveys using self-conducted questionnaires structured on a 7-point Likert scale is distributed, and subsequently, 525 questionnaires are returned. The EAO dimensions assessed in the paper are risk willingness and opportunity recognition. Data collected are analysed using the SEM-PLS technique through the SmartPLS 3.3.2 software. The study found a positive effect of risk willingness and opportunity recognition on the business owners’ performance. Accordingly, this paper’s theoretical and practical implication supports some of the previous findings and arguments that EAO plays an essential role in influencing micro-business owners’ performance.

scholarly journals PENGARUH PUNISHMENT TERHADAP DISIPLIN MAHASISWA (STUDI KASUS PADA PROGRAM STUDI D-4 ADMINISTRASI NEGARA JURUSAN ADMINISTRASI BISNIS POLNEP)

2017 ◽  
Vol 5 (2) ◽  
pp. 133
Author(s):  
Evi Sofiana ◽  
Tri Wahyuarini ◽  
Syarifah Novieyana
Keyword(s):  
Public Administration ◽  
Research Method ◽  
Sampling Method ◽  
Regression Coefficient ◽  
Descriptive Statistics ◽  
Study Program ◽  
Probability Sampling ◽  
Purposive Sampling ◽  
Average Value ◽  
Positive Effect

Abstract: Business Administrastion Department especially Public Adminis- trastion study program of Pontianak State Polytechnic try to create profes- sional alumni whose have some competencies dan disciplines in following the rules at the institution.   Pontianak State Polytechnic has a motto which said “on time, perecise on regulation and standard” . One of the effort done by Public Administration study program in creating disciplines alumni is by implementing punishment for students who break the rules. The objectives of this research is to test empirically the relation between punishment and dis- ciplines dan to find out, thetype of punishment that mostly received by Public Administration students. Research method being used is survey and quis- tionnaire is used as collecting data tool. Sampling method is non probability sampling (purposive sampling). The result shows that the test on hypothesis, confirming the positive effect from punishment to students disciplines. Its was marked with regression coefficient or sig. value 0.013. The second objective which confirming the type of punishment which received by mostly students, taken  from the value of descriptive statistics,  it was  found  that  filling the statement form of guilty and promise is the mostly punishment that received by students. The average value of this type of punishment is 3.7300

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

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 The Influence of Financial Literacy, Lifestyle and Self-Control on the Consumption Behavior of Economic Education Student

2021 ◽  
Vol 8 (8) ◽  
pp. 496-503
Author(s):  
Ririn Eka Fariana ◽  
Bayu Surindra ◽  
Zainal Arifin
Keyword(s):  
Financial Literacy ◽  
Sampling Technique ◽  
Economic Education ◽  
Self Control ◽  
Research Approach ◽  
Education Student ◽  
Sample Collection ◽  
Descriptive Research ◽  
Consumptive Behavior ◽  
Positive Effect

The purpose of this study was to determine financial literacy and lifestyle as well as self-control on the consumptive behavior of Economic Education students at UNP Kediri. This research approach used a quantitative approach as well as descriptive research techniques and multiple linear regressions. The sample collection used was a purposive sampling technique totaling 46 students. The results of this study indicated that financial literacy had a positive effect and had a significant value on student consumptive behavior, this can be seen in the value of Sig 0.027 <0.05. This lifestyle had a positive effect and had a significant value on the consumptive behavior of students, this could be seen in the value of Sig 0.038 <0.05. Self-control had a positive effect and had a significant value also on the consumptive behavior of students, this could be seen in the value of Sig 0.002 <0.05. Financial literacy, lifestyle and self-control had a significant and significant effect on the consumptive behavior of students, this could be seen in the value of Sig 0.000 <0.05. Keywords: Financial Literacy, Lifestyle, Self Control, Consumptive Behavior.

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