scholarly journals Pengaruh Financial Attitude, Financial Knowledge, Dan Financial Behavior Terhadap Financial Technology Literacy

2020 ◽  
Vol 2 (2) ◽  
pp. 371
Author(s):  
Jefrie Jefrie ◽  
Hendra Wiyanto
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Sampling Method ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Technology Literacy ◽  
Equation Modeling ◽  
Probability Sampling ◽  
Analysis Technique ◽  
Financial Technology

The purpose of this research is to analyze  the effect of Financial Attitude, Financial Knowledge, and Financial Behavior toward Financial Technology Literacy. The sample of this research were Go-Pay users in West Jakarta. The sample was selected using a non-probability sampling method amounted to 250 respondents by distributing questionnaire via online through the Google form section. The data analysis technique used is structural equation modeling that helped by Smart-PLS version 3.0 program. The results of this research reveals that Financial Attitude, Financial Knowledge, and Financial Behavior have effects towards Financial Technology Literacy on Go-Pay users in West Jakarta. Tujuan dari penelitian ini adalah untuk menguji pengaruh Financial Attitude, Financial Knowledge, dan Financial Behavior terhadap Financial Technology Literacy. Sampel pada penelitian ini adalah pengguna Go-Pay di Jakarta Barat. Sampel dipilih dengan menggunakan metode non probability sampling yang berjumlah sebanyak 250 responden dengan menyebarkan kuesioner secara online dengan bantuan Google form. Teknik analisis data yang digunakan adalah structural equation modeling yang dibantu dengan bantuan program Smart-PLS versi 3.0. Hasil yang didapat pada penelitian ini menunjukkan bahwa terdapat pengaruh Financial Attitude, Financial Knowledge, dan Financial Behavior terhadap Financial Technology Literacy pada pengguna Go-Pay di Jakarta Barat.

scholarly journals Pengaruh Financial Attitude, Financial Behavior, Financial Knowledge, dan Risk Tolerance terhadap Financial Satisfaction

2020 ◽  
Vol 2 (3) ◽  
pp. 631
Author(s):  
Olivia Sandra Wijaya ◽  
Ary Satria Pamungkas
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Positive Influence ◽  
Risk Tolerance ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Probability Sampling ◽  
Analysis Technique

The purpose of this study is to examine the effect of Financial Attitude, Financial Behavior, Financial Knowledge and Risk Tolerance on Financial Satisfaction. The sample in this study is all residents who already have income or income in the Jakarta area. The sample was chosen by the non-probability sampling method, amounting to 190 respondents by distributing questionnaires online. The data analysis technique used is Structural Equation Modeling (SEM) which is assisted with the assistance of the Smart-PLS program.3.3.2. The results of this study are that there is a positive influence of Financial Attitude on Financial Satisfaction, there is a positive influence of Financial Behavior on Financial Satisfaction, and there is a positive influence of Financial Knowledge on Financial Satisfaction. While the results obtained in this study indicate there is no effect of Risk Tolerance on Financial Satisfaction. Tujuan dari penelitian ini adalah untuk meneliti mengetahui pengaruh Financial Attitude, Financial Behavior, Financial Knowledge dan Risk Tolerance terhadap Financial Satisfaction. Sampel pada penelitian ini adalah seluruh penduduk yang sudah memiliki pendapatan atau penghasilan di wilayah Jakarta. Sampel dipilih dengan metode non-probability sampling yang berjumlah 190 responden dengan penyebaran kuesioner secara online. Teknis analisis data digunakan adalah Structural Equation Modeling (SEM) yang dibantu dengan bantuan program Smart-PLS.3.3.2. Hasil dari penelitian ini adalah terdapat pengaruh positif Financial Attitude terhadap Financial Satisfaction, terdapat pengaruh positif Financial Behavior terhadap Financial Satisfaction, dan terdapat pengaruh positif Financial Knowledge terhadap Financial Satisfaction. Sedangkan hasil yang didapat pada penelitian ini menunjukkan tidak terdapat pengaruh Risk Tolerance terhadap Financial Satisfaction.

scholarly journals Pengaruh Pengetahuan Keuangan, Perilaku Keuangan, dan Pendapatan terhadap Kepuasan Keuangan

2020 ◽  
Vol 2 (4) ◽  
pp. 880
Author(s):  
Cici Parwati Sari ◽  
Hendra Wiyanto
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Positive Influence ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
The South ◽  
Probability Sampling ◽  
Analysis Technique

The purpose of this study is to analyze the effect of financial knowledge, financial behavior, and income on Financial Satisfaction. The sample of this research is employees who work in the South Jakarta area. Samples were selected using a non-probability sampling method totaling 100 respondents by distributing questionnaires online using Google Forms. The analysis technique used is structural equation modeling supported by the smartPLS program version 3.2.8. the results obtained in this study are that there is a positive influence on financial knowledge, financial behavior, and income on financial satisfaction in employees in the south jakarta area. Tujuan dari penelitian ini adalah untuk menguji pengaruh Pengetahuan Keuangan, Perilaku Keuangan, dan Pendapatan terhadap Kepuasan Keuangan. Penelitian ini menggunakan sampel pada karyawan yang bekerja di wilayah Jakarta Selatan. Sampel dipilih dengan menggunakan metode non probability sampling yang berjumlah 100 responden dengan menyebarkan kuisioner secara online menggunakan Google Form. Teknik analisis yang digunakan structural equation modeling yang dibantu dengan program smartPLS versi 3.2.8. hasil yang didapat pada penelitian ini yaitu terdapat pengaruh positif pada pengetahuan keuangan, perilaku keuangan, dan pendapatan terhadap kepuasan keuangan pada karyawan di wilayah Jakarta Selatan.

scholarly journals The effect of individual intention on fraud behavior

2021 ◽  
Vol 10 (3) ◽  
pp. 369-379
Author(s):  
Budi Utomo ◽  
Gugus Irianto ◽  
Roekhudin Roekhudin
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Sampling Method ◽  
Equation Modeling ◽  
Probability Sampling ◽  
Effect Of Pressure ◽  
Analysis Technique ◽  
Village Government ◽  
The Village ◽  
Positive Effect

This study aims to examine the effect of pressure, opportunity, rationalization on intention to commit fraud. This study also examines the effect of intention to commit fraud on fraud behavior by religiosity as the moderating variable. This research was conducted at the Village Government of Malang Regency. The sampling method uses the probability sampling method. The data in this study was obtained by distributing 191 questionnaires to respondents who served as village heads or village secretaries in the Village Government of Malang Regency. The analysis technique uses Structural Equation Modeling (SEM) through the smartPLS program. The results show that opportunity and rationalization has a positive effect on the intention to commit fraud. Meanwhile, pressure does not affect the intention to commit fraud. The results also show that the intention to commit fraud has a positive effect on fraud behavior. Meanwhile, Religiosity does not moderate the effect of intention to commit fraud on fraud behavior.  

scholarly journals Faktor-faktor yang Mempengaruhi Financial Behavior

2021 ◽  
Vol 5 (5) ◽  
pp. 494
Author(s):  
Paula Elicia ◽  
Indra Widjaja
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Parental Influence ◽  
Total Sample ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Convenience Sampling ◽  
Processing Techniques ◽  
The Impact

There are many factors that can affect individual life sustainability, both in short term and long term. One of the factors is decision to manage finance. The ability to manage the finance is not only to get sufficient income, but also the ability to manage finances more wisely and appropriately. The purpose of this research is to analyze the impact of Parental Influence, Financial Knowledge, Financial Attitude and Income on Financial Behavior. The population of this research is the clients of Bank BCA in Jakarta; who have earned income and have graduated with at least an S1 degree. The total sample is 298 respondents, were selected using convenience sampling method and data processing techniques used are taken from Structural Equation Modeling (SEM), that is supported by SmartPLS.3.3.2 program. The result of this study reveals that Parental Influence and Income has no significance influence on Financial Behavior; while Financial Knowledge and Financial Attitude do have a significance influence on Financial Behavior. Terdapat banyak faktor yang dapat mempengaruhi kelangsungan hidup individu, baik dalam jangka pendek maupun jangka panjang. Salah satu faktor diantaranya adalah keputusan dalam mengatur keuangan. Kemampuan dalam mengatur keuangan bukan hanya pada kemampuan untuk mendapatkan pendapatan yang cukup, melainkan juga kemampuan untuk mengelola keuangan secara bijak dan tepat. Tujuan penelitian ini adalah untuk menganalisa pengaruh Parental Influence, Financial Knowledge, Financial Attitude dan Income terhadap Financial Behavior. Populasi penelitian ini adalah nasabah dari Bank BCA di Jakarta yang sudah mempunyai penghasilan dan mempunyai tingkat pendidikan minimal S1. Sampel yang mencapai jumlah total 298 responden dipilih menggunakan metode convenience sampling. Teknik pengolahan data menggunakan Structural Equation Modeling (SEM) yang didukung oleh program SmartPLS.3.3.2. Hasil penelitian ini mengungkapkan bahwa Parental Influence dan Income tidak berpengaruh terhadap Financial Behavior; sedangkan Financial Knowledge dan Financial Attitude berpengaruh terhadap Financial Behavior. 

scholarly journals Pengaruh Financial Literacy Dan Financial Attitude Terhadap Financial Satisfaction

2021 ◽  
Vol 3 (2) ◽  
pp. 417
Author(s):  
Natasya Putri Himawan ◽  
Hendra Wiyanto
Keyword(s):  
Structural Equation Modeling ◽  
Data Analysis ◽  
Financial Literacy ◽  
Structural Equation ◽  
Primary Data ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Probability Sampling ◽  
Analysis Technique ◽  
Program Version

The purpose of this research is to analyze and find out the impacts of financial literacy and financial attitude towards financial satisfaction. This research uses primary data by spreading online google form questionaire, with non-probability sampling. The samples used in the research are Go-Pay users based in West Jakarta. There are 264 respondents in total, but the usable data was as many as 240 respondents. The data analysis technique used is Structural Equation Modeling (SEM) with Smart-PLS program version 3.3.2. The result of this study show that there is a positive positive impacts between financial literacy and financial attitude towards financial satisfaction of Go-Pay user in West Jakarta. Tujuan dari penelitian ini adalah untuk menganalisa dan mengetahui pengaruh dari financial literacy dan financial attitude terhadap financial satisfaction. Penelitian ini menggunakan data primer melalui proses pengumpulan data dengan cara membagikan kuisioner secara online menggunakan google form serta menggunakan metode non-probability sampling. Sampel dalam penelitian ini adalah pengguna Go-Pay yang berdomisili di Jakarta Barat. Data yang berhasil dikumpulkan berjumlah 264 responden, namun data yang dapat digunakan adalah sebanyak 240 responden. Teknik analisis data yang digunakan adalah Structural Equation Modeling dengan program Smart-PLS versi 3.3.2. Hasil dari penelitian ini menunjukkan bahwa terdapat pengaruh positif antara financial literacy dan financial attitude terhadap financial satisfaction pada pengguna Go-Pay di Jakarta Barat.

scholarly journals Faktor-faktor yang Mempengaruhi Finance Behavior Angkatan Kerja di Jakarta

2021 ◽  
Vol 5 (2) ◽  
pp. 167
Author(s):  
Claudia Rara Anggitha
Keyword(s):  
Locus Of Control ◽  
Structural Equation ◽  
Sampling Method ◽  
Work Force ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Level Of Education ◽  
Convenience Sampling ◽  
Processing Techniques

The purpose of this research is to analyze the influence of Level of Education, Financial Experience, Financial Attitude, Financial Knowledge and Locus of Control on Financial Behavior. The subjects of this research are work force in Jakarta. Sample was selected using convenience sampling method amounted to 100 respondents. Data processing techniques using structural equation modeling what helped by SmartPLS.3.0 program. The result of this study reveals that Level of Education, Financial Experience, Financial Attitude and Financial Knowledge do affect significantly on Financial Behavior, while Locus of Control does not affect significantly on Financial Behavior. Tujuan dari penelitian ini adalah untuk menganalisis adanya pengaruh Tingkat Pendidikan, Pengalaman Keuangan, Sikap Keuangan, Pengetahuan Keuangan dan Lokus Kendali terhadap Perilaku Keuangan. Subjek penelitian ini adalah angkatan kerja di Jakarta. Sampel dipilih menggunakan metode convenience sampling berjumlah 100 responden. Teknik pengolahan data menggunakan pemodelan persamaan struktural yang dibantu oleh program SmartPLS.3.0. Hasil penelitian ini menunjukkan bahwa Tingkat Pendidikan, Pengalaman Keuangan, Sikap Keuangan, Pengetahuan Keuangan berpengaruh secara signifikan terhadap Perilaku Keuangan, sedangkan Lokus Kendali tidak berpengaruh signifikan terhadap Perilaku Keuangan.

scholarly journals Pengaruh Financial Behavior, Financial Attitude, Dan Financial Capability Terhadap Financial Satisfaction

2021 ◽  
Vol 3 (2) ◽  
pp. 308
Author(s):  
Candra Wijaya ◽  
Ary Satria Pamungkas
Keyword(s):  
Structural Equation ◽  
Sampling Method ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Online Questionnaire ◽  
Financial Capability ◽  
The People ◽  
Analysis Technique ◽  
Convenience Sampling

The purpose of this research is toexamine the effect of Financial Behavior, Financial Attitude and Financial Satisfaction. The samples of this study is the people of Riau who are already working. The sample was selected by convenience sampling method amounted to 165 respondent with an online questionnaire help by Google form. The data analysis technique used is structural equation modeling assisted bu the SmartPLS program. The result of this study show that there is an influence of Financial Behavior, Financial Attitude, and Financial Capability on Financial Satisfaction. Tujuan dari penelitian ini adalah untuk menguji pengaruh Financial Behavior, Financial Attitude terhadap Financial Satisfaction. Sampel penelitian ini adalah masyarakat Riau yang sudah bekerja. Sampel dipilih dengan metode convenience sampling berjumlah 165 responden dengan bantuan kuisioner online bantuan Google Form. Teknik analisis data yang digunakan adalah Structural equation modelling yang dibantu program SmartPLS. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh Financial Behavior, Financial Attitude, dan Financial Capability terhadap Financial Satisfaction.

scholarly journals Investigating the level of financial literacy of university students

2017 ◽  
Vol 16 (3) ◽  
pp. 845-866 ◽  
Author(s):  
Israel José dos Santos Felipe ◽  
Harrison Bachion Ceribeli ◽  
Túlio Queiroz Lana
Keyword(s):  
Structural Equation Modeling ◽  
University Students ◽  
Financial Literacy ◽  
Structural Equation ◽  
Financial Education ◽  
Well Being ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Attitudes

AbstractConsidering that the quality of financial decisions taken by individuals depends on their financial knowledge, abilities and attitudes, it is possible to state that the well-being of a population depends on how financially literate it is. In this context, the aim of this study was to measure the financial literacy level of university students in north of Mexico. The research method used was the survey and the data collected were analyzed using the structural equation modeling technique. As results, it was possible to confirm that financial attitudes of university students of north of Mexico influence their financial behavior. However, it was not confirmed that financial knowledge of these students impacts their financial behavior. As a high relationship between financial attitudes, financial behavior and financial knowledge of analyzed individuals was not found, it is concluded that the level of financial literacy of university students in the north of Mexico is low. It implies in the necessity to invest in financial literacy programs that could help this population to better manage their resources, what would certainly impact on its savings and consumption decisions, and retirement planning.Keywords: Financial Literacy. Financial Education. Structural Equation Modeling. Mexican Students. Investigando o nível de alfabetização financeira de estudantes universitários ResumoConsiderando que a qualidade das decisões financeiras tomadas pelos indivíduos depende de seus conhecimentos, habilidades e atitudes financeiras, é possível afirmar que o bem-estar de uma população depende do quão financeiramente alfabetizada ela é. Neste contexto, o objetivo deste estudo foi mensurar o grau de alfabetização financeira dos estudantes universitários do norte do México. O método de pesquisa utilizado foi a survey e os dados coletados foram analisados por meio da técnica de modelagem de equações estruturais. Como resultados, foi possível confirmar que as atitudes financeiras dos universitários do norte do México influenciam seu comportamento financeiro. Todavia, não se confirmou que o conhecimento financeiro desses estudantes impacta seu comportamento financeiro. Como não se encontrou uma forte relação entre os conhecimentos, atitudes e comportamentos financeiros dos indivíduos analisados, conclui-se que o nível de alfabetização financeira dos estudantes universitários do norte do México é baixo. Isso implica na necessidade de investir em programas de alfabetização financeira para auxiliar essa população a melhor gerir seus recursos, o que certamente irá impactar em suas decisões de poupança e consumo, assim como em seu planejamento de aposentadoria.Palavras-chave: Alfabetização financeira. Educação financeira. Modelagem de equações Estruturais. Estudantes mexicanos.

scholarly journals The Role of Knowledge Brokers in Improving Financial Literacy

2021 ◽  
pp. 75-103
Author(s):  
Chaouki Mouelhi ◽  
Hajer Hammami
Keyword(s):  
Structural Equation Modeling ◽  
Financial Literacy ◽  
Structural Equation ◽  
Positive Impact ◽  
Financial Education ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Knowledge Brokers ◽  
The Impact

Several governments around the world have tried strategies based primarily on financial education programs to improve the financial literacy of their citizens. In this study, we discuss a new strategy that involves using knowledge transfer activities carried out by intermediary agents, called financial knowledge brokers, to achieve significant improvement in financial literacy. Thus, the aim of this paper is to test the impact of the five activities of financial knowledge brokers (i.e., financial knowledge acquisition, financial knowledge integration, financial knowledge adaptation, financial knowledge dissemination, and creation of links) on financial literacy. For this, we built a database from a questionnaire carried out to nearly 103 financial advisers during the period June 2015 to June 2017. Overall, the results of Structural equation Modeling (SEM) technique showed that the financial knowledge brokerage activities (four of the five activities) have a positive impact on improving financial literacy as well as on its four dimensions, namely financial attitude, financial behavior, basic financial knowledge, and advanced financial knowledge. JEL classification numbers: D80, F65, G20, I20. Keywords: Financial literacy, Knowledge brokers, Structural equation modeling.

scholarly journals Pengaruh Pengendalian Diri, Literasi serta Perilaku Keuangan Terhadap Kesejahteraan Keuangan

2020 ◽  
Vol 2 (4) ◽  
pp. 994
Author(s):  
Leonardo Luis ◽  
Nuryasman MN
Keyword(s):  
Structural Equation Modeling ◽  
Financial Management ◽  
Structural Equation ◽  
Well Being ◽  
Self Control ◽  
Financial Behavior ◽  
Primary Data ◽  
Equation Modeling ◽  
Probability Sampling ◽  
Convenience Sampling

The purpose of this study is to determine whether the financial well-being of financial management student at Tarumanagara University can be measured through financial behavior, where the level of financial behavior in this study is seen based on self-control and financial literacy. This research uses primary data through the process of collecting data by sharing questionnaires online using google forms questionnaire with a non-probability sampling method of the type of convenience sampling with a total of 150 financial management student at Tarumanagara University. The data analysis technique used is Structural Equation Modeling (SEM) with Smart-PLS program version 3.2.8. The results of this study show that there is a positive and significant influence between self-control, literacy, and financial behavior towards financial well-being. Tujuan penelitian ini adalah untuk mengetahui apakah kesejahteraan keuangan mahasiswa manajaemen keuangan Universitas Tarumanagara dapat diukur melalui perilaku keuangannya, dimana tingkat perilaku keuangan dalam penelitian ini dilihat berdasarkan pengendalian diri dan literasi keuangan seseorang. Penelitian ini menggunakan data primer melalui proses pengumpulan data dengan cara membagikan kuesioner secara online menggunakan google form dengan metode non-probability sampling berjenis convenience sampling dengan total 150 responden mahasiswa manajemen keuangan Universitas Tarumanagara. Teknik analisis data yang digunakan adalah Structural Equation Modeling (SEM) dengan program Smart-PLS versi 3.2.8. Hasil dari penelitian ini menunjukkan bahwa terdapat pengaruh positif dan signifikan antara pengendalian diri, literasi, serta perilaku keuangan terhadap kesejahteraan keuangan.

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