scholarly journals The Mediating Role of Attitude Toward Money on Students’ Financial Literacy and Financial Behavior

2020 ◽  
Vol 4 (2) ◽  
pp. 58
Author(s):  
Nurdian Susilowati ◽  
Kardiyem Kardiyem ◽  
Lyna Latifah
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Descriptive Analysis ◽  
Research Result ◽  
Financial Behavior ◽  
Direct Influence ◽  
State University ◽  
Mediating Role ◽  
Economics Faculty

This research aims at discovering the direct influence of financial literacy on financial behavior; finding out the indirect influence of financial literacy on financial behavior through attitude toward money; and figuring out the direct influence of attitude toward money on financial behavior. This research was conducted at Economics Faculty of State University of Semarang or UNNES with its sample being students who had taken budgeting and financial management courses. The sample was taken using proportionate random sampling and 230 respondents were obtained. The data were collected using questionnaire and they were then analyzed using descriptive analysis and path analysis. Based on the first research result, it was found that financial literacy had direct influence on financial behavior. High financial literacy determined a good financial behavior in the future. Secondly, attitude toward money successfully mediated the influence of financial literacy on students’ financial behavior. Thirdly, attitude toward money has a direct influence on financial behavior. In general, students have good financial literacy, attitude towards money, and financial behavior. This allowed them to have a clear priority for their future.

scholarly journals PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN MAHASISWA

2021 ◽  
pp. 127
Author(s):  
Wayan Tari Indra Putri ◽  
Kadek Nita Sumiari
Keyword(s):  
Regression Analysis ◽  
Financial Literacy ◽  
Financial Management ◽  
Linear Regression Analysis ◽  
Financial Inclusion ◽  
Financial Behavior ◽  
Test Results ◽  
Simple Linear Regression ◽  
Literacy Knowledge

Having knowledge of financial literacy is a must in order to have a prosperous life. Currently the OJK is working to improve financial inclusion and literacy, especially among students. This step is a form of effort to increase the role of students in the Indonesian economy. As the next generation, a student must have knowledge related to personal financial management. This knowledge will be very useful for students to manage their finances in the future. Four diploma students majoring in Accounting at the Bali State Polytechnic have obtained courses related to finance and investment so that they should have a good level of financial literacy knowledge. The purpose of this research is to examine the effect of financial literacy on student financial behavior. Respondents in this study amounted to 95 people. The data in this study were analyzed using simple linear regression analysis. The results of this study are that there is an influence between financial literacy variables on student financial behavior. The test results show that the better the knowledge or understanding of financial literacy possessed by students, the better the student's ability to implement good financial behavior.

scholarly journals Pengaruh Literasi Keuangan dan Pengendalian Diri terhadap Perilaku Konsumtif Mahasiswa

Jurnal Ecogen ◽  
2021 ◽  
Vol 4 (1) ◽  
pp. 24
Author(s):  
Diary Prihatini ◽  
Agus Irianto
Keyword(s):  
Financial Literacy ◽  
Random Sampling ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
Descriptive Study ◽  
Self Control ◽  
State University ◽  
Analysis Technique ◽  
Economics Faculty ◽  
Consumptive Behavior

This study aims to determine and analyze 1) the effect of financial literacy on the consumptive behavior of students of the Economics Faculty of Padang State University 2) the effect of self-control on the consumptive behavior of students of the Economics Faculty of Padang State University, and 3) the effect of financial literacy on self-control. This type of research is an inferential descriptive study. The sampling technique used in this study was proportional random sampling technique with a sample of 86 students. The data analysis technique used in this research is descriptive analysis and path analysis. The results showed that (1) financial literacy has a significant effect on the consumptive behavior of students of the Economics Faculty of Padang State University, (2) Self-control has a significant effect on the consumptive behavior of students in the Economics Faculty of Padang State University, and (3) Financial literacy has a significant effect on self-control of students in the Economics Faculty of State University field.Abstrak ditulis salam bahasa inggris, menggunakan jenis huruf Palatino Linotype 10 pt spasi satu,  Max 200 kata.Keywords : financial literacy, self-control, consumptive behavior

scholarly journals Landscaping Pre-Service Teachers’ Stress Caused by Lack of Financial Management

2018 ◽  
Vol 8 (3) ◽  
pp. 172
Author(s):  
Ramanaidu Rao Ramesh ◽  
Ghanaguru Sharmini ◽  
Antonysamy Carolina Assunta ◽  
Prakash Nair Sadhna
Keyword(s):  
Logistic Regression ◽  
Distinctive Feature ◽  
Financial Literacy ◽  
Financial Management ◽  
Online Survey ◽  
Financial Behavior ◽  
And Gender ◽  
The Relationship ◽  
Determinant Factor

Age plays an important role in the financial behavior of people. Financial matters are usually more seriously perceived at later stages of life. Nevertheless, the role of age in financial behavior is inconclusive. This study intends to add to the literature on financial behavior by focusing on the relationship between expenditure planning, gender and stress. The distinctive feature of this study is its scope and the sample of people participating in it. Besides being young, the participants are pre-service teachers. Hence, studying their financial behavior also augurs well for the nation, for these are the shapers of its future. Using an online survey, 127 pre-service teachers responded to 17 questions, dwelling mainly on their financial behavior. Logistic regression was then used to identify whether expenditure planning is related to stress and gender. The findings reveal that the failure to plan one’s expenditures could cause stress and in which gender could be the determinant factor. Thus, it is recommended to take actions on higher rate of financial literacy among pre-service teachers.

scholarly journals Determinants of Consumption Behavior Among Students

2018 ◽  
Vol 13 (1) ◽  
pp. 30-41
Author(s):  
Novica Ardyanti ◽  
Kardoyo Kardoyo
Keyword(s):  
Financial Literacy ◽  
Negative Impact ◽  
Peer Group ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
State University ◽  
Consumption Behavior ◽  
Economics Faculty ◽  
Academic Year ◽  
Year 2013

This research aims to determine if there is influence of peer group, parents’ role, religiosity, and financial literacy towards consumption behavior among the students of Economics Faculty, Universitas Negeri Semarang in the academic year 2013. The population in this research was the students of Economics Faculty of Semarang State University in the Academic Year 2013. The number of the samples in this research was 250 students based on proportional random sampling technique. This research used quantitative approach. The method of data analysis used was descriptive analysis and path analysis. The result of the research based on Amos showed that the peer group influence towards consumption behavior was 34.5%, parents’ role towards consumption behavior was 12.7%, financial literacy towards consumption behavior was 12.7%, peer group towards financial literacy was 14%, parents’ role towards religiosity was 22.3%. Based on the result of the research, it can be concluded that there was influence of peer group, parents’ role, religiosity, and financial literacy towards consumption behavior, whereas in peer group towards students’ financial literacy had no influence. The suggestions were the students should minimize the conformity or interaction level with their friends who cause negative impact and the parents should keep controlling the students’ consumption behavior naturally.

Formation of financial literacy in training of informatics teachers on the basis of the 1С:Enterprise system

2020 ◽  
Vol 1 (1) ◽  
pp. 11-18
Author(s):  
M. A. Rodionov ◽  
I. V. Akimova
Keyword(s):  
Financial Literacy ◽  
Basic Knowledge ◽  
State University ◽  
Science And Literature ◽  
Successful Development ◽  
Mathematics History ◽  
School Subjects ◽  
Personal Finances ◽  
The Right

In the submitted study the problem of the formation of financial literacy of students at informatics lessons and relevant training of future informatics teachers is considered. Financial literacy is understood as a set of basic knowledge in the field of finance, banking, insurance, as well as budgeting for personal finances that allow a person to choose the right financial product or service, soberly assess and take risks that may arise during the use of these products, correctly accumulate savings and identify doubtful (fraudulent) investment schemes. The authors conclude that successful development of meaningful lines of the course of financial literacy requires integration of a few school subjects, such as mathematics, history, informatics, social science and literature. The role of modern informatics teacher in the formation of financial literacy of students is great. Therefore, in the training of a future informatics teacher, it should be paid the attention to issues related to the study of elements of financial literacy in informatics lessons. In order to solve the problem, the authors propose to use the special course “Basics of work in 1С:Enterprise”, which is implemented at Penza State University. The article contains a program of the course and the methodological recommendations for its implementation.

scholarly journals Investigating Influence of Trust on Repurchasing by Mediating Role of Customer Satisfaction in Online Stores

2016 ◽  
Vol 10 (6) ◽  
pp. 126
Author(s):  
Abolfazl Akhondi ◽  
Azar Kafashpor
Keyword(s):  
Customer Satisfaction ◽  
Significant Influence ◽  
Direct Influence ◽  
Factors Affecting ◽  
Mediating Role ◽  
Cronbach's Alpha ◽  
Indirect Influence ◽  
Online Stores ◽  
Development Center

Analyzing and investigating factors affecting trust and satisfaction creation and providing condition for creating these factors by online stores help them to perceive customers’ needs and lead to increasing loyalty level, intention for repurchasing and improving profitability level. Therefore, this paper investigates influence of trust on repurchasing by mediating role of customer satisfaction. Population of this paper were customers of online stores which have 2-star electronic trust symbol on the base of E-trade development center (Note 1) ranking and had shopping more than once. Data were gathered from 267 samples of customers by availability method and questionnaire tool and its reliability was confirmed by Cronbach's alpha with 82%. Considering analyzing data by SEM on LIZERAL software, findings show that trust has positive and significant influence on repurchasing and indirect influence of trust on repurchasing by mediating role of customers satisfaction is more than its direct influence which confirms mediating role of customers’ satisfaction.

scholarly journals Pharmaceutical care in a school pharmacy: from consultation to resolution of drug-related problems

2019 ◽  
Vol 41 (1) ◽  
pp. 42470
Author(s):  
Amanda Thiemy Chiozzi Watanabe ◽  
Fernando Henrique Zonzini ◽  
Maurício Fumio Sybui ◽  
Angela Maria Campanha
Keyword(s):  
Pharmaceutical Care ◽  
Anatomical Therapeutic Chemical ◽  
Descriptive Analysis ◽  
State University ◽  
Drug Related Problems ◽  
Relevant Role ◽  
Professional Information ◽  
General Community

This study aimed to provide pharmaceutical care for the general community served by Pharmacy students from the Pharmacy School of the State University of Maringá [Universidade Estadual do Maringá] (UEM). Pharmacotherapeutic follow-up was performed with the identification, classification and resolution of drug-related problems (DRPs) through pharmaceutical consultations. A descriptive analysis was conducted. A total of 59 patients were interviewed; they were mostly women (75%) with average age of 63 years, and each of them was taking 8 medicines on average. The most frequently mentioned drugs were classified according to the Anatomical Therapeutic Chemical Code and related to cardiovascular system (28%), alimentary tract and metabolism (23%), and nervous system (20%). An average of 1.49 DRP per patient was detected (88), and treatment non-compliance was the most frequent DRPs found (45%). In view of this, 63 pharmaceutical interventions were carried out, with most of them (52%) being related to patient education on the treatment; approximately 20% of the patients were referred to another health professional. Information supplied by this study shows the relevant role of pharmacists face the lack of pharmacotherapeutic follow-up of polymedicated patients.

Antecedents to responsible financial management behavior among young adults: moderating role of financial risk tolerance

2020 ◽  
Vol 38 (5) ◽  
pp. 1177-1194 ◽  
Author(s):  
Dhananjay Bapat
Keyword(s):  
Young Adults ◽  
Financial Management ◽  
Financial Risk ◽  
Risk Tolerance ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Management Behavior ◽  
Content Type ◽  
Financial Risk Tolerance

PurposeThe study examines the antecedents of responsible financial management behavior among young adults in India and explores the role of financial risk tolerance as a moderating variable.Design/methodology/approachThe sample includes young adults in the age group of 18–35. The analysis uses a two-step approach via standard partial least squares structural modeling (PLS-SEM) and ordinary least square (OLS) regression.FindingsStructural modeling results show that financial attitude fully mediates the relationship between financial knowledge and responsible financial management behavior, and locus of control influences responsible financial management behavior. Financial risk tolerance moderates the relationship. Among demographic factors, age and occupation influence responsible financial management behavior.Research limitations/implicationsThe financial knowledge used in the survey are based on self-reported responses. The future study can include participants from both developed and emerging countries to assess similarities and differences.Practical implicationsDespite the growing focus on improving financial literacy, there are growing concerns regarding responsible financial behavior. Since financial services is related to fiduciary responsibility, managers and policymakers need to ensure that financial knowledge results in improving financial attitude, which further leads to responsible financial behavior.Originality/valueThe present study from an emerging country will add value to the literature.

scholarly journals ANALISIS LITERASI KEUANGAN MAHASISWA S-1 FAKULTAS EKONOMIKA DAN BISNIS UNIVERSITAS DIPONEGORO ANGKATAN 2014 - 2017

2018 ◽  
Vol 1 (2) ◽  
pp. 54
Author(s):  
Gina Sakinah ◽  
Bagio Mudakir
Keyword(s):  
Undergraduate Students ◽  
Financial Literacy ◽  
Financial Management ◽  
Parental Education ◽  
Descriptive Statistics ◽  
Financial Behavior ◽  
Primary Data ◽  
Personal Finances ◽  
Regression Test ◽  
And Behavior

Financial management failure occurs when students do not have good financial literacy. Students must have good knowledge, attitude, and behavior in managing their personal finances. This study aims to analyze the level of financial literacy of undergraduate students of the Faculty of Economics and Business at Diponegoro University class of 2014 to 2017 and the factors that influence it. Financial literacy in this study uses a financial literacy index consisting of components of the knowledge, attitude, and financial behavior of students. The research data uses primary data with questionnaires and sample of 100 students. Meanwhile, the method used in this study is descriptive statistics and multiple linear regression test (OLS). As a result, the level of student financial literacy is categorized as quite literary, that is 50.4%, influenced by age, GPA, parental education, and length of study. On the other hand, gender and income do not affect student financial literacy.

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