Saving Management in Malaysia

2021 ◽  
Vol 39 (10) ◽  
Author(s):  
Logasvathi Murugiah
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Financial Literacy ◽  
Peninsular Malaysia ◽  
Good Position ◽  
Working Adults ◽  
Complex Products ◽  
Financial Products ◽  
The Future ◽  
Saving Rates

Saving management is about empowering and enlightening consumers so that they are well prepared about finance in a way that is relevant to their lives. Koid (2008) denotes that challenges faced by Malaysian in disabling them to protect their finances are low level in mastering financial literacy, poor saving rates, complex products and services, access to a variety of financial products and costs of living. Savings can be lifesavers during an individual’s financial downturn. Today, financially we can be in a good position but nobody knows what will happen in the future. But one thing is for sure, our savings today would certainly save our financial pitfall in the future.  Therefore, it is vital for an individual to empower themselves a good saving habit. Therefore, this paper endeavors to analyze the key determinants of saving management in Peninsular Malaysia. Survey forms were distributed to 2500 working adults in Peninsular Malaysia, ages ranging from 18 to 45 years old. Meanwhile, the method employed in this study is multiple regression analysis. Further, this study highlight that parents’ characteristic, investment skill, financial literacy and expenses management are the important factors in enhancing and increasing the level of saving skills in Malaysia.

scholarly journals Literasi Keuangan dan Pendapatan Usaha dalam Mempengaruhi Perilaku Menabung Pelaku UKM

2022 ◽  
Vol 1 (2) ◽  
pp. 205-212
Author(s):  
Baskoro A. Pamungkas ◽  
Heru Mulyanto ◽  
Meli Andriyani
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Research Data ◽  
The Other ◽  
Analysis Tool ◽  
Saving Behavior ◽  
Business Income ◽  
Medium Enterprises

Penelitian ini berusaha menganalisis pengaruh literasi keuangan dan pendapatan usaha terhadap perilaku menabung pelaku Usaha Kecil Menengah (UKM). Data penelitian melalui kuesioner yang diberikan kepada 282 pelaku UKM di Depok dari berbagai bidang. Regresi ganda digunakan sebagai alat analisis diolah dengan SPSS 23. Temuan penelitian diperolehnya pengaruh literasi keuangan terhadap perilaku menabung pelaku UKM di Depok. Literasi keuangan para pelaku UKM yang makin baik akan meningkatkan perilaku menabung. Temuan lainnya dalam penelitian ini adalah tidak adanya pengaruh pendapatan usaha terhadap perilaku menabung para pelaku UKM. This study analyzed the influence of financial literacy, and business income on the saving behavior of small and medium enterprises (SMEs). The research data was obtained from questionnaires given to 282 SMEs in Depok from various fields. Multiple regression analysis is used where SPSS Version 23 is used as an analysis tool. The findings of the study obtained the influence of financial literacy on the saving behavior of SMEs in Depok. On the other hand, business income has no effect on the saving behavior of SMEs.

scholarly journals The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia

2019 ◽  
Vol 10 (1) ◽  
pp. 40-45
Author(s):  
Wida Purwidianti ◽  
Naelati Tubastuvi
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Financial Literacy ◽  
Education Level ◽  
Financial Behavior ◽  
Company Size ◽  
Control Variables ◽  
Independent Variables ◽  
Negative Effect ◽  
Positive Effect

The aim of this study is to examine the effect of financial literacy and financial experience on SMEs financial behavior in Indonesia.The dependent variable is financial behavior while independent variables are financial literacy and financial experience. There are four control variables used, namely company size, business length, age and education level of SME owner. The respondent sample is 42 owners of SMEs in Purwokerto Selatan. This study used multiple regression analysis. The results showed that financial literacy has no effect on financial behavior. Financial experience has a positive effect on financial behavior. While among four control variables, only company size has a significant negative effect on financial behavior. Three control variables have no significant effect on financial behavior. The implication of this study, SME owners have good financial experience will increase financial behavior. Therefore, it is very important to improve the financial experience of SME owners

scholarly journals Faktor-Faktor yang Mempengaruhi Pengguna Gojek menggunakan Gopay

2020 ◽  
Vol 11 (1) ◽  
pp. 111-121
Author(s):  
Tiar Lina Situngkir ◽  
Ratih Hurriyati ◽  
Mokh. Adib Sultan
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Research Area ◽  
The Other ◽  
Analysis Method ◽  
Costs And Benefits ◽  
Financial Costs ◽  
The Future ◽  
Independent Variable

This study aims to analyze the factors that influence Gojek customers using Gopay services. The population is the community of Singaperbangsa University, Karawang who actively use Gojek and Gopay services whose numbers are not clearly known. Samples were taken for analysis, from filling out the questionnaire as many as 118 respondents were received. The multiple regression analysis method represented by the independent variable consists of financial costs and benefits. The results of the analysis prove that only the benefit variable has a significant effect on the use of Gojek using Gopay services, the other variable is that financial costs do not significantly influence the use of Gopay services. This study has limited location, which can have an impact on the results of the study. In the future, subsequent researchers can further expand the research area.

scholarly journals Financial Literacy as a Driver of Financial Inclusion in Kenya and Tanzania

2021 ◽  
Vol 14 (11) ◽  
pp. 561
Author(s):  
Ashenafi Fanta ◽  
Kingstone Mutsonziwa
Keyword(s):  
Regression Analysis ◽  
Financial Literacy ◽  
Financial Services ◽  
Instrumental Variable ◽  
Financial Inclusion ◽  
Demand Side ◽  
Financial Products ◽  
Instrumental Variable Regression ◽  
Per Se ◽  
Using Data

Efforts are being exerted in many developing countries to promote financial inclusion by increasing individuals’ access to financial products and services. However, literature suggests that increasing the supply of financial products and services per se may not help in expanding financial inclusion unless concerted efforts are exerted in enhancing financial literacy. This is because financially literate individuals are more likely to appreciate the value of financial services and hence take up financial products. This paper reports the link between financial literacy and inclusion using data from a demand side financial inclusion survey conducted in Kenya and Tanzania in 2016 covering a total of 6029 individuals. Results from our instrumental variable regression analysis confirmed that financial literacy is a strong driver of financial inclusion. This implies that efforts to promote financial inclusion need to be accompanied with financial literacy campaigns in both countries.

scholarly journals Cluster Analysis for the Questionnaire Investigation on the Needs at Fuji Shopping Street in Fuji City

2018 ◽  
Vol 3 (2) ◽  
pp. 30
Author(s):  
Yuki Higuchi ◽  
Akane Okubo ◽  
Daisuke Suzuki ◽  
Kazuhiro Takeyasu
Keyword(s):  
Cluster Analysis ◽  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
The Future

Shopping streets at local city in Japan became old and are generally declining. In this paper, we handle the area rebirth and/or regional revitalization of shopping street. We focus on Fuji city in Japan. Four big festivals are held at Fuji city (two for Fuji Shopping Street Town and two for Yoshiwara Shopping Street Town). Many people visit these festivals including residents in that area. Therefore a questionnaire investigation to the residents and visitors is conducted during these periods in order to clarify residents and visitors’ needs for the shopping street, and utilize them to the plan building of the area rebirth and/or regional revitalization of shopping street. There is a big difference between Fuji Shopping Street Town and Yoshiwara Shopping Street Town. Therefore we focus Fuji Shopping Street Town in this paper. These are analyzed by using Cluster Analysis and Multiple Regression Analysis. These are utilized for constructing a much more effective and useful plan building. We have obtained fruitful results. To confirm the findings by utilizing the new consecutive visiting records would be the future works to be investigated.

scholarly journals Financial Literacy of Rural Population as a Determinant of Saving Behavior in Kazakhstan

2017 ◽  
Vol 38 (333) ◽  
pp. 32-42
Author(s):  
Sholpan Gaisina ◽  
Lyazzat Kaidarova
Keyword(s):  
Rural Areas ◽  
Financial Literacy ◽  
Rural Population ◽  
Formal Education ◽  
Financial Education ◽  
Rural People ◽  
Economic Determinants ◽  
Financial Decisions ◽  
Financial Products ◽  
Saving Rates

Abstract In rural Kazakhstan, the credit and insurance services are limited and the state support is weak. Therefore, households’ saving is crucial to provide an insurance against the economic and social shocks. The main goal of this study is to contribute to the literature on financial literacy in emerging economies, namely, the effect of financial literacy on saving rates of rural population. Being well educated not always means to be financial literate and make efficient decisions regarding one’s own finance. People with a lower formal education level but with better experience in consuming financial products could be better prepared for making financial decisions including those related to savings. In this paper other socio-economic determinants of saving rates were taken into account, such as an income level, family size and an employment status. This research was carried out in Pavlodar region of Kazakhstan, and the data collection took place in spring 2014. In total, 405 households were surveyed. Results of the analysis show that if a respondent gives at least one correct answer, it positively affects the saving rates as well as one can observe that the higher the financial literacy level, the higher are the saving rates. Availability of state supported financial education programs for rural people will significantly contribute to the financial literacy improvement. At the same time, providing various and appropriate financial products in rural areas will motivate rural people to search for new knowledge and require authorities to intensify activities in this field.

scholarly journals DIGITAL FINANCIAL LITERACY, AND FINANCIAL TECHNOLOGY: CASE STUDIES OF FACULTY OF ECONOMICS UNIVERSITY 17 AUGUST 1945 SAMARINDA

2021 ◽  
Vol 12 (1) ◽  
pp. 1-10
Author(s):  
Andi Indrawati
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Multiple Regression Analysis ◽  
Case Studies ◽  
Financial Literacy ◽  
Quantitative Research ◽  
Financial Behavior ◽  
Study Program ◽  
Technology Products ◽  
Financial Technology

This research was conducted with the aim of knowing how much the level offinancial literacy in students of Economics, University of 17 August 1945Samarinda, and the authors wanted to know whether there was an influence of thelevel of financial literacy on interest in using Financial Technology products. Thistype of research is descriptive quantitative research using probability randomsampling techniques with student respondents majoring in managementaccounting study program. In this study, the data analysis used was descriptiveanalysis and multiple regression analysis using JASP. The results of this studyindicate that (1) the level of digital financial literacy has a significant effect onbuying interest in financial technology products, (2) which indicates that financialbehavior has no significant effect on buying interest. in financial technologyproducts.Keywords : Financial Literacy, Financial Behavior, Purchase Interest in FinancialTechnology Products

scholarly journals MENAKAR MINAT MAHASISWA UNIVERSITAS PUTERA BATAM PADA PENGGUNAAN PRODUK TEKNOLOGI FINANSIAL

2020 ◽  
Vol 4 (1) ◽  
pp. 132-141
Author(s):  
Mortigor Afrizal Purba
Keyword(s):  
Social Media ◽  
Regression Analysis ◽  
Significant Influence ◽  
Financial Literacy ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
Scale Model ◽  
Study Program ◽  
Financial Products ◽  
Promotion Strategies

The aim of this reserch is to find out how much the level of financial literacy in Universitas Putera Batam students and to find out whether or not the influence of the level of financial literacy and promotion strategies through social media to the interest of using technology financial products. The type of this research is a quantitative research using probability random sampling technique, the respondents are the students of accounting, management, others study program. The data collection in this study used a questionnaire method with a Likert scale model and distributed to 100 respondents. In this study the data analysis that used is descriptive analysis, simple regression analysis and multiple regression analysis using SPSS 22.0.The results of this study showed that (1) the level of financial literacy in the fourth student of the study program belongs to the category of sufficient literate or is still fairly categorized with a percentage of 81.12 percent. (2) There is a positive and significant influence between financial literacy variables on the interest in using technology financial products. (3) There is a positive and significant influence between the variables of promotional strategies through social media on the interest in using technology financial products. (4) There is a positive and significant influence between financial literacy variables and promotion strategies through social media on the interest in using technology financial products. This illustrates that the interest of students of Universitas Putera Batam to use financial technology products is very satisfying category. Keywords: Financial Literacy, Promotion Strategy, Interest.

scholarly journals PENGARUH EXPERIENTIAL MARKETING TERHADAP LOYALITAS KONSUMEN RESTORAN ORIENTAL DI BENGKULU

2019 ◽  
Vol 12 (1) ◽  
pp. 113-123
Author(s):  
Yayuk Winarsih ◽  
Sularsih Anggarawati
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Customer Loyalty ◽  
Validity And Reliability ◽  
Experiential Marketing ◽  
Independent Variables ◽  
The Future

This research is conducted to analyze the influence of experiential marketing to customer loyalty at sumpit mas restaurant in Bengkulu. The population of the research is the customer of sumpit mas restaurant. The amount of samples are selected 150 costumers by using accidental sampling. The research consists of a dependent variable that is customer loyalty and five independent variables which are dimension of experiential marketing : sense, feel, think, act and relate. Data analysis was carried out quantitatively, using multiple regression analysis with previously tested for validity and reliability. The result showed that sense,feel,think,act and relate towards of the customer loyalty respectively. The result of this research convey that all of the independent variables simultaneously affect the customer loyalty positif and significantly. Partially test proved that all variables affect positif and significant to costumer loyalty where sense variable has affected most significantly. Therefore sumpit mas restaurant should be pay attetion seriously to increase all independent variables to enhance the customer loyalty such as to give cheff sharingpayment system, set the time standar in order taking, serve customer more friendly, hold costumer gathering event at sumpit mas. Management of the companies should improve experiental marketing so in the future customer loyalty more improve and better.

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