scholarly journals Users’ acceptance of financial technology in an emerging market (An empirical study in Indonesia)

2020 ◽  
Vol 23 (1) ◽  
pp. 173-188
Author(s):  
Suwinto Johan
Keyword(s):  
Technology Acceptance ◽  
Financial Literacy ◽  
Emerging Market ◽  
Total Sample ◽  
University Graduates ◽  
Dummy Variable ◽  
Logit Regression ◽  
Binary Logit ◽  
Binary Logit Regression ◽  
Financial Technology

This study seeks to investigate the factors that affect consumers’  use of financial technology in fulfilling their financial needs in the emerging market. The financial technology consists of payment gateway, peer to peer lending, online financial product offering, and financial literacy. The paper analyzes five major customers’ aspects, i.e., demography, psychography, banking literacy, technology awareness, and trust of regulatory that consist of 15 variables of customer responses. Those 15 variables explain individuals’ use of financial technology. The binary logit regression technique tests the research models. In the model, consumers’ acceptance (whether one will use financial technology) is operationalized by a dummy variable that equals one if the consumer accepts or is aware of the technology and zero otherwise. The total sample is 298 respondents. The respondents are mostly millennial generation (56 percent), university graduates (76 percent), individuals with the income level of B-Class and A-Class (67 percent), 95 percent of the respondents have bank accounts, and almost 99 percent of the respondents have social media accounts. The empirical results show that millennial-age customers with the income levels of B-Class and A-Class have the highest financial technology acceptance. Gender also influences the acceptance level of financial technology.

scholarly journals THE STRATEGIC RATIONAL OF BANKING ACQUISITION IN EMERGING MARKET

2018 ◽  
Vol 2 (1) ◽  
pp. 13-21
Author(s):  
Suwinto Johan
Keyword(s):  
Emerging Market ◽  
Current Ratio ◽  
Asset Return ◽  
Return On Equity ◽  
Logit Regression ◽  
Binary Logit ◽  
Asset Turnover ◽  
Equity Ratio ◽  
Regulated Industries ◽  
Binary Logit Regression

The purpose of the research is to study the determinants of banks acquisitions in Indonesia over the period of 2004-2014. The banking industry is one of the fastest growing and well regulated industries during the last ten years. We analyzed seven financial ratios (current ratio, asset turnover, debt to equity ratio, return on asset, return on equity, earning before tax per revenue and earning after tax per revenue) determinants banks take over. This research used the binary Logit regression technique. The empirical results show that the determinants of bank targeted for all types of takeover are the current ratio. The higher current ratio, the higher possiblity be the target acquisitions. there is no significantof debt to equity ratio, asset turnonver, return on asset, return on equity, earning before tax per revenue and earning after tax per revenue as the determinants of the acquisition of banks in Indonesia.

scholarly journals Understanding of Financial Literacy as a Moderating Variable on the Effect of Financial Technology on Financial Inclusion in Lubuklinggau City, Indonesia

2021 ◽  
Vol 3 (2) ◽  
pp. 140-151
Author(s):  
Martini Martini ◽  
Sardiyo Sardiyo ◽  
Reza Septian ◽  
Devi Anggreni sy ◽  
Deni Nurdiansyah
Keyword(s):  
Data Analysis ◽  
Financial Literacy ◽  
Indirect Effects ◽  
Total Sample ◽  
Financial Inclusion ◽  
Direct And Indirect Effects ◽  
Main Requirement ◽  
Indirect Analysis ◽  
The City ◽  
Financial Technology

This study investigates the effect of fintech on financial inclusion, and financial literacy, it was able to influence financial literacy on financial inclusion in Lubuklinggau. The research was conducted by distributing questionnaires to eight districts in the city of Lubuklinggau with a total sample of 401 people who use fintech as the main requirement. Data analysis was carried out with WarpPLS to identify direct and indirect effects on the tested variables. Based on the results, the perception of the ease and effectiveness of using fintech does not affect financial inclusion in Lubuklinggau. People are still not familiar with fintech and consider fintech as a new financial system and not easy to use. The level of risk and interest in using fintech has a significant influence on the financial inclusion variable in the Lubuklinggau. The indirect analysis explains it proves that financial literacy is able to moderate perceptions of the ease of using fintech and reduce the risk of fintech itself on financial inclusion. However, financial literacy is not able to moderate the effectiveness of using fintech and interest in financial inclusion to use of fintech after understanding financial literacy, people become more selective in using fintech.

scholarly journals The Influences of Health Insurance and Access to Information on Prostate Cancer Screening among Men in Dominican Republic

2016 ◽  
Vol 2016 ◽  
pp. 1-11 ◽  
Author(s):  
Joseph Kangmennaang ◽  
Isaac Luginaah
Keyword(s):  
Prostate Cancer ◽  
Health Insurance ◽  
Cancer Screening ◽  
Dominican Republic ◽  
Prostate Cancer Screening ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Logit Regression ◽  
Binary Logit ◽  
Binary Logit Regression

Objectives.Although research demonstrates the public health burden of prostate cancer among men in the Caribbean, relatively little is known about the factors that underlie the low levels of testing for the disease among this population.Study Design.A cross-sectional study of prostate cancer testing behaviours among men aged 40–60 years in Dominican Republic using the Demographic and Health Survey (2013).Methods.We use hierarchical binary logit regression models and average treatment effects combined with propensity score matching to explore the determinants of prostate screening as well as the average effect of health insurance coverage on screening. The use of hierarchical binary logit regression enabled us to control for the effect of unobserved heterogeneity at the cluster level that may affect prostate cancer testing behaviours.Results.Screening varied significantly with health insurance coverage, knowledge of cholesterol level, education, and wealth. Insured men were more likely to test for prostate cancer (OR = 1.65,p=0.01) compared to the uninsured.Conclusions.The expansion and restructuring of Dominican Republic universal health insurance scheme to ensure equity in access may improve health access that would potentially impact positively on prostate cancer screening among men.

Pengaruh Literasi Keuangan, Financial Technology, dan Gaya Hidup terhadap Perilaku Keuangan Guru Taman Kanak-Kanak

2021 ◽  
Vol 4 (2) ◽  
pp. 290-307
Author(s):  
M Iqbal Zarkasyi
Keyword(s):  
Financial Literacy ◽  
Sampling Technique ◽  
Total Sample ◽  
Teaching Profession ◽  
Point Of View ◽  
Financial Behavior ◽  
Public And Private ◽  
Teacher Qualification ◽  
The Government ◽  
Financial Technology

The current teaching profession is very promising in terms of income, especially for those who have obtained a professional diploma. The government provides additional income or allowances for public and private teachers through a teacher qualification certification program. The government is trying to improve the professionalism of teachers, but in reality, there are not a few teachers who view from the wrong point of view that the professional allowance is a teacher's right and a government obligation. The purpose of this study was to determine the effect of financial literacy, financial technology, and lifestyle on financial behavior in kindergarten teachers in the Sukolilo District, Surabaya City. Determination of the sample using the slovin method with purposive sampling technique resulted in a total sample of 74 respondents. The data analysis technique used is Partial square (PLS). The results of this study indicate that financial literacy has a positive and significant effect on financial behavior, financial technology is not significant to financial behavior, and lifestyle has a positive and significant effect on financial behavior.

scholarly journals Community participation in the Kampung KB Program in Jambi Province

2021 ◽  
Vol 9 (4) ◽  
pp. 343-352
Author(s):  
Hardiani Hardiani ◽  
Dwi Hastuti ◽  
Hasriati Nasution
Keyword(s):  
Quality Of Life ◽  
Community Participation ◽  
Primary Data ◽  
Development Programs ◽  
Logit Regression ◽  
Study Results ◽  
Binary Logit ◽  
Logit Regression Model ◽  
Binary Logit Regression

Kampung Keluarga Berkualitas (Kampung KB) is one of the development programs to create quality families in Indonesia. Kampung KB is a village-level regional unit with integration and convergence in implementing empowerment and strengthening of family institutions in all its dimensions to improve the quality of human resources, families, and communities. The growth of Kampung KB in Jambi Province shows the high government's attention to this program to improve the quality of life of its people. However, the Kampung KB's success in improving the community's quality of life is largely determined by the level of community participation itself. This study analyzes the factors that influence community participation in the Kampung KB Program in Jambi Province. This study uses primary data obtained through target group respondents in Kampung KB in Jambi Province. Data were analyzed using descriptive statistics and a binary logit regression model. The study results found that the overall level of community participation in the Kampung KB Program was moderate. The level of community participation was significantly related to education, length of stay at the location, and distance from house to the place of activity.

scholarly journals Déterminants de l’accès aux crédits agricole par les producteurs d’anacarde au nord-Bénin

2021 ◽  
Vol 15 (4) ◽  
pp. 1605-1618
Author(s):  
Jean-Marie S. Awo ◽  
Nouroudine Ollabodé ◽  
Jacob A. Yabi
Keyword(s):  
Soil Protection ◽  
Agricultural Credit ◽  
Access To Credit ◽  
Agricultural Income ◽  
Logit Regression ◽  
Binary Logit ◽  
Socioeconomic Data ◽  
Logit Regression Model ◽  
And Training ◽  
Binary Logit Regression

Pour sécuriser les revenus agricoles des producteurs béninois, des mécanismes de financement sont mis en place dans la production d’anacarde. La présente étude identifie les déterminants de l’accès au financement par les producteurs d’anacarde. A cet elffet, des données socioéconomiques ont été collectées par enquête auprès de 160 producteurs de noix de cajou choisis aléatoirement dans deux communes du Nord-Bénin. La statistique descriptive a été utilisée pour caractériser les types de financement. Un modèle de régression Logit binaire a été estimé pour déterminer les variables influençant l’accès aux crédits par les producteurs d’anacarde. Les principaux résultats de cette étude indiquent trois types de financement sont obtenus par les producteurs d’anacarde et financés par divers acteurs. Le sexe, l'âge, l'appartenance à une organisation, les contacts avec les services de vulgarisation et la formation à la production d’anacarde déterminent l'accès au crédit agricole au nord du Bénin. Enfin, a promotion du financement agricole dans la zone d’étude permettra de réguler la capacité à introduire l’agroforesterie dans l’exploitation agricole dans le contexte d’amélioration des conditions de vie et la protection des sols.   English title: Determinants of access to agricultural credits by casnacard growers in north Benin In order to secure the agricultural income of producers in Benin, agricultural financing mechanisms have been put in place in cashew production. This study aimed at identifying the determinants of access to finance by cashew producers. To this end, socioeconomic data was collected through a survey of 160 cashew producers chosen at random from two municipalities in North Benin. Descriptive statistics were used to characterize the types of funding. A binary logit regression model was estimated to determine the variables influencing access to credit by cashew producers. The main results of this study indicate three types of financing obtained by cashew producers, which are financed by various actors. In addition, gender, age, membership of an organization, contacts with extension services and training in cashew production determine access to agricultural credit in northern Benin. Finally, the promotion of this financing in the study area will make it possible to regulate the capacity to introduce agroforestry on the farm, all of which contributes to the improvement of living conditions and soil protection.

scholarly journals Analysis of Fish Consumption Pattern among Kogi State University Students, Anyigba, Kogi State, Nigeria

2020 ◽  
pp. 43-55
Author(s):  
F. O. Oyibo ◽  
Y. E. Ajibade ◽  
O. E. Haruna ◽  
S. D. Samuel
Keyword(s):  
University Students ◽  
Fish Consumption ◽  
Health Benefit ◽  
Primary Data ◽  
Consumption Pattern ◽  
Efficient Production ◽  
State University ◽  
Logit Regression ◽  
Binary Logit ◽  
Binary Logit Regression

This study analyzed the pattern of fish consumption among Kogi State University students in Anyigba. It described the socio- economic characteristics of respondents, determine the effects of socio-economic characteristics on fish consumption, describe the types, forms, reasons for fish consumption and identify the constraints affecting fish consumption among the respondents. Multi-stage random sampling technique was used to select a sample size of 150 respondents. Well structured questionnaire coupled with interview scheduled were used to elicit primary data from the respondents. Descriptive statistics, binary logit regression and 3- point likert scale were used for data analyzing. The results showed that majority (60%) of the respondents were female, 72% were unmarried with an average household size of 3 persons and average income of N 20, 000 per month. Their sources of income were from parents and guardians. The result of the binary logit regression indicated that age (-1.21), income (0.99), price (-0.19), taste (0.65), health benefit (2.31) and price of substitute (0.68)  influenced the consumption of fish at 1%, 5% and 10% level of significant respectively. The types of fish consumed were majorly mackerel fish (45.33%), followed by tuna (27.34%). Iced fish were  mostly (40%) consumed, followed by 20.67% steamed fish and 7.33% were consumed in grilled form. 43.33% consumed  fish for health benefits, 24% consumed fish due to affordability and 14% consumed fish due to availability. Among the constraints facing fish consumption were allergy, proximity, storage and cost with mean score of 2.37, 2.16, 2.10, 2.36 and 2.38 respectively. Thus, fish and fish products were mostly consumed by the respondents with high consumption rate recorded by the female students. The prices of fish should be stabilized, adequate cold storage facilities should be purchased by the fish mongers and the university Fishery department should expand their ponds for efficient production.

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