scholarly journals PENGARUH LITERASI KEUANGAN TERHADAP PEMILIHAN LAYANAN KEUANGAN SYARIAH

2018 ◽  
Vol 2 (2) ◽  
pp. 152
Author(s):  
Novia Ari Panghayo ◽  
Musdhalifah Musdhalifah
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Sampling Method ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Level Of Knowledge ◽  
The Government ◽  
Research Period ◽  
Selection Of

This study aims to examine the influences of financial literacy which proxied by variables of education, income and knowledge on the selection of Sharia Financial Services in Jombang District. The data was primary data which obtained by method of spreading the questionnaire in the sub-districts with the largest moslem population in Jombang. Research period was in April to May 2017. Sampling method used is incidental sampling and analysis method used is Partial Least Square (PLS). The results of this study indicate that the level of education and income do not affect the selection of Sharia Financial Services in Jombang, while the level of knowledge affect the selection of Sharia Financial Services in Jombang. The implication of this research is that Sharia Financial Services in Jombang Regency is more influenced by knowledge variables, so the government is expected to increase the society insight through socialization about syariah financial literacy, and sharia products.

scholarly journals THE INFLUENCE OF RECRUITMENT AND SELECTION PROCESS ON TECHNICAL EMPLOYEE PERFORMANCE IN PT. TELKOM AKSES NORTH SURABAYA

2020 ◽  
Vol 4 (1) ◽  
pp. 84-93
Author(s):  
Agustiawan Djoko Baruno ◽  
Leny Novita Permatasari
Keyword(s):  
Selection Process ◽  
Employee Performance ◽  
Selection Effect ◽  
Analytical Techniques ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
P Values ◽  
Recruitment And Selection ◽  
Selection Of

This research  aims to  analyze the influence of the process of recruitment and  selection simultaneously as well as partially against employee performance support. In this study using a type of associative methods and quantitative data primary data sources by using the instrument of the questionnaire. The population in this research is the employee technician  PT. Telkom Akses Surabaya Utara as many as 56 respondents.Sampling technique used was saturated samples or often called as well with a sample of the total. Analytical techniques used in this research is the Partial Least Square (PLS) includes test convergen validity, discriminan validity, composite realibility, cronch alpha, R- square, simulan test (test F) and partial test (test T). The results of the analysis explains that the process of recruitment and selection effect simultaneously against the performance of the employee, this is indicated by the value of the count of 40.991 F is greater than F table 4.02 and significance value (S ig) 0.000 smaller than 0.05 and the process of recruitment of influential partially against the performance of the employee, this is shown by the value T calculate of 3.024 is greater than 1.96 table T and value its significance (P values) 0.003 smaller than 0.05. As well as a selection of influential partially against the performance of the employee, this is shown by the value T calculate of 2.856 is greater than 1.96 table T and value its significance (P values) 0.004 smaller than 0.05

scholarly journals Analisis Pengaruh Faktor-Faktor Literasi Keuangan Terhadap Keputusan Berinvestasi Pada Asuransi Jiwa di Kota Palembang

2021 ◽  
Vol 4 (3) ◽  
pp. 798-812
Author(s):  
Resa Novita ◽  
Isni Andriana ◽  
Kemas M Husni Thamrin
Keyword(s):  
Life Insurance ◽  
Financial Literacy ◽  
Structural Equation ◽  
Quantitative Research ◽  
Investment Decisions ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Equation Modeling ◽  
And Gender

The purpose of this research is to analyze the effect perceptions about financial literacy factors against the investment decisions on life insurance in Palembang. The population in this study is the owner of life insurance in Palembang, the sampling in this study is using the Purposive Sampling method with 50 respondents as samples. The type of research used is quantitative research with primary data sources obtained from distributing questionnaires to respondents. The data analysis technique in this research are descriptive and inferential statistical analysis using Structural Equation Modeling (SEM) with smartPLS (Partial Least Square) 3.0 software. The results showed that the perception of age and gender has no significant effect against the investment decisions on life insurance in Palembang, meanwhile the perception of education level and income have a significant effect against the investment decisions on life insurance in Palembang. Keywords: Age, Gender, Level of Education, Income, Investment Decisions

scholarly journals A Reflection on the Implementation of Second National Fadama Development Project in Kaduna and Katsina States of Nigeria

2015 ◽  
Vol 1 (2) ◽  
pp. 97
Author(s):  
Adam Adem Anyebe ◽  
Ibrahim Kurfi Mudi
Keyword(s):  
Development Strategy ◽  
Significant Relationship ◽  
Financial Services ◽  
Poverty Reduction ◽  
Secondary Data ◽  
Development Project ◽  
Primary Data ◽  
Effective Implementation ◽  
The Government ◽  
Selection Of

This study attempts to reflect on the implementation of the Second National Fadama Project in Kaduna and Katsina states of Nigeria with a view to assessing whether the project implementation has been effective in reducing poverty among the participating communities. It was therefore, hypothesized that there is no significant relationship between the Community-Driven Development Strategy and effective implementation of Fadama II project in the area of access to rural financial services and poverty reduction in the host communities. The primary data were obtained through the use of questionnaire and personal interview while secondary data were sourced from books, journals, unpublished materials and internet. The study showed that there is a significant relationship between Community-Driven Development and effective implementation of the project in the host communities. The research recommended that to enhance the success of future projects, the government should not interfere with the activities of such projects, especially in the selection of members of such associations and government should provide loan facilities to the beneficiaries in order to boost their assets acquisition capacity.

scholarly journals PENGARUH LITERASI KEUANGAN, PERENCANAAN KEUANGAN DAN PENDAPATAN TERHADAP KESEJAHTERAAN KEUANGAN GURU PEREMPUAN DI KOTA DENPASAR

2021 ◽  
Vol 10 (7) ◽  
pp. 672
Author(s):  
Anisa Putri Nur Hidayah ◽  
Ida Bagus Anom Purbawangsa ◽  
Nyoman Abundanti
Keyword(s):  
Financial Literacy ◽  
Financial Planning ◽  
Structural Equation ◽  
Sampling Technique ◽  
Well Being ◽  
Partial Least Square ◽  
Least Square ◽  
Theoretical Research ◽  
Primary Data ◽  
Female Teachers

Financial literacy is financial knowledge and capability that affects efforts to improve financial well-being. This study aims to obtain empirical evidence that financial literacy, financial planning, and income have an effect on financial well-being. The data used in the research is primary data which was collected by conducting a survey in the form of distributing questionnaires and interviews with female teachers in Denpasar City. The sample is determined by the nonprobability sampling technique, quota sampling type. This study uses data analysis techniques Structural Equation Model (SEM) with Partial Least Square (PLS) software. This study shows that financial literacy, financial planning, and income have a positive and significant effect on the financial welfare of female teachers in Denpasar City. The implications of the theoretical research results add to the reference to empirical research on the concept of financial literacy and welfare theory. This shows that financial literacy which includes the knowledge, skills, and beliefs of individuals in managing their finances will influence financial decisions that will be made to achieve the expected financial well-being. Keywords: Financial Literacy, Planning, Income, Welfare.

Analysis of The Influence of Entrepreneurship Capability, Agility, Business Transformation, Opportunity on Start-Up Behavior In E-Commerce Companies In Indonesia During The Covid 19 Pandemic

2021 ◽  
Vol 18 ◽  
pp. 1103-1112
Author(s):  
Christopher Allen Pramono ◽  
Adler Haymans Manurung ◽  
Pantri Heriyati ◽  
Wibowo Kosasih
Keyword(s):  
Sampling Method ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Dominant Factor ◽  
Business Transformation ◽  
Partial Least Square Analysis ◽  
Start Up ◽  
Start Ups

The purpose of this study is to analyze the influence of Entrepreneurship Capability, Agility, Business Transformation, Opportunity on Start-Up Behavior in E-Commerce Companies in Indonesia During the Covid 19 Pandemic. The quantitative method used in this study was applied to start-up companies in Greater Jakarta with a population of 522 start-ups. The sampling method in this study used a purposive sampling technique. Questionnaires were distributed using google form as many as 522 questionnaires, 200 questionnaires were returned. From the returned questionnaires, after sorting the completeness and fulfilling the requirements for testing, 187 questionnaires were obtained consisting of the founders. Primary data were collected through a questionnaire and then analyzed using statistical analysis methods using Partial Least Square SmartPLS version 3 program. The partial least square analysis results show that each of the factors: agility, entrepreneurship capability, business transformation and opportunity have a significant effect in increasing start-up behavior in Jabodetabek. This finding explains that in building a start-up, the founder must possess the agility entrepreneurship capability factor while still following business transformation and opportunities in developing the business. This study also found that the opportunity factor is the most dominant factor in increasing the start-up behavior of founders.

scholarly journals PENGARUH VARIABEL SOSIAL EKONOMI, DEMOGRAFIDAN IPK TERHADAP FINANCIAL LITERACY (Studi kasus terhadap mahasiswa Magister Manajemen di Universitas Udayana)

2017 ◽  
pp. 4225
Author(s):  
IGN Narindra Mandala ◽  
Luh Putu Wiagustini
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Economic Factor ◽  
Management Program ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Primary Data ◽  
Analytical Technique ◽  
Management Students

The low level of financial literacy amongst Indonesian people may concern to face ASEAN Economic Community (AEC). This study will analyze the sosio-economic factor(working period and income level), demographic factor (sex and marital status), and GPA factor of student of Master Management Program of Udayana University. The primary data is obtained using questionnaires, filled directly by the students concerned either directly or online. Analytical technique used in this study is partial least square analysis. The results shows that socioeconomic variable and GPA variable, are positively and significantly influence the financial literacy, measured by financial attitude, financial behavior and financial knowledge indicator. This findins are expected to contribute in the form of empirical and development of Financial Management Science refrence on socioeconomic, demographic and GPA influence the financial literacy, as well as to facilitate financial institutions when offering their products and services to Master of Management students at Unud.

scholarly journals Analysis of Stock Investment Decisions on Investors in Surabaya

2021 ◽  
Vol 4 (2) ◽  
pp. 2748-2759
Author(s):  
Sinta Dewi ◽  
Tri Kartika Pertiwi
Keyword(s):  
Financial Literacy ◽  
Quantitative Research ◽  
Investment Decisions ◽  
Partial Least Square ◽  
Least Square ◽  
High Rate ◽  
Primary Data ◽  
Stock Investment ◽  
The Right ◽  
High Level

The purpose of this study is to analyze stock investment decisions in investors in Surabaya. This research is quantitative research. The Analysis technique used is the Partial Least Square (PLS) method using primary data. It involved 95 respondents who invested in stocks for more than a year as research objects. The results of the analysis show investors with a good understanding of financial literacy will make the right investment decisions and investors with a high level of financial literacy will be better aware and able to minimize the risks that will be faced but when investors want a high rate of return then investors can tolerate risk in order to get a profit in the future. The absence of a direct relationship between overconfidence to investment decisions can be incarnate in the world of stocks, the most respondents are respondents whose investment experience is 1 year to 3 years, it can be said as a beginner player in stock investing. beginners players are not reliable in making decisions. The most respondents were respondents aged 30-39 years. This age includes a mature age. Respondents with a mature age will be more careful, they do not make an unsecured excess confidence as a reference in acting in investment activities, although an attitude of excessive confidence can help respondents to be able to tolerate risks arising from activities.   

scholarly journals In Pursuit of Financial Well-being: The Effects of Financial Literacy, Financial Behaviour and Financial Stress on Employees in Labuan

2020 ◽  
Vol 3 (1) ◽  
pp. 55
Author(s):  
Zaiton Osman ◽  
Erni Marlina Madzlan ◽  
Phang Ing
Keyword(s):  
Financial Literacy ◽  
Online Survey ◽  
Financial Stress ◽  
Sampling Technique ◽  
Well Being ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Decisions ◽  
Financial Behaviour ◽  
The Government

The exposure to a plethora of choices and relatively complex financial products has intensified the need for financial knowledge adequacy in order to acquire the skills needed to make sound financial decisions. The studyaimed to examine the effects of financial literacy and financial behaviour on respondents’ financial well-being and to assess the role of financial stress in mediating these relationships. Using a web-based online survey approach, a total of 213 employees in the government and private sectors in the Federal Territory of Labuan responded to the self-administered questionnaire via convenience sampling technique. All data were analyzed using Partial Least Square (PLS) version 3.0. This study found significant relationships between financial literacy, financial stress, and financial well-being. However, there was no significant correlation between financial behaviour and financial wellbeing. Subsequently, financial stress proved to have no mediating effecton predicting employee’s financial well-being in FT Labuan.

scholarly journals Pengaruh Store Image dan Hedonic Motives terhadap Impulse Buying Konsumen Buah

2021 ◽  
Vol 5 (4) ◽  
pp. 1217-1226
Author(s):  
Wellynda Kusumawati ◽  
◽  
Bambang Ariadi ◽  
Ary Bakhtiar
Keyword(s):  
Structural Equation ◽  
Sampling Method ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Equation Modeling ◽  
Store Image ◽  
Impulse Buying ◽  
Purposive Sampling

Impulse buying has several factors that effect, among others, store image and hedonic motives. This research aims to determine the effect of store image on impulse buying fruit consumers and know the effect of hedonic motives on impulse buying fruit consumers. Location determination using purposive sampling method. The type and source of data used are primary data. Data collection methods in this study used questionnaires and interviews. The sampling method uses a purposive sampling technique, with a total sample of 65 respondents. Variable measurement using a likert scale. Data analysis method used Structural Equation Modeling - Partial Least Square (SEM - PLS), using SmartPLS software. The results showed that there was a significant effect of store image on impulse buying fruit products. Consumer interest in a good store image makes consumers feel happy shopping and makes consumers have a good impression on a store, thus making consumers make impulse buying. showed that there was a significant influence of hedonic motives on impulse buying fruit products. The existence of internal factors that exist in consumers, especially the nature of hedonic motives can shape the perception of consumers doing impulse buying. The recommendation of this research is to develop the influence of impulse buying consumers from other factors.

Effect of legal and regulatory framework on SMEs growth in the Accra Metropolis of Ghana

2017 ◽  
Vol 19 (3) ◽  
pp. 207-217 ◽  
Author(s):  
Kwamena Minta Nyarku ◽  
Stephen Oduro
Keyword(s):  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Partial Least Square ◽  
Least Square ◽  
Sub Saharan Africa ◽  
Primary Data ◽  
Stabilization Policy ◽  
Business Climate ◽  
Tax Regimes ◽  
The Government

Entrepreneurship has been generally recognized as one of the most important dynamics leading to development. However, promoting entrepreneurship depends on an enabling business climate. The study sought to explore the effect of legal and regulatory frameworks on small and medium enterprises (SMEs) growth in Ghana. The study was quantitative and primary data comprised 382 owners who were conveniently sampled for the study. The results were analysed using structural equation model-partial least square. Bureaucracy, unstable policy climate, unfriendly customs and trade regulations, tight monetary and credit policies, corruption, and excessive tax regimes, workforce and labour regulations were found to negatively affect SMEs growth in Ghana. It is concluded that for SMEs growth to thrive, sound legal and regulatory systems are needed. The government must create relaxed credit policies that support the development of entrepreneurship by simplifying loan conditions, ease the registration processes for SMEs, lower and reform the tax systems, engineer effective price stabilization policy and create flexible customs and port regulations, while maintaining transparency and accountability among public officials in charge of SMEs regulation. The study adds to the few works conducted in sub-Saharan Africa, especially in Ghana. The new empirical insights are significant to SME and entrepreneurship development in Ghana.

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