scholarly journals Analisis Faktor-Faktor yang Memengaruhi Financial Satisfaction Pengguna E-Wallet

2021 ◽  
Vol 9 (2) ◽  
pp. 426
Author(s):  
May Amelia ◽  
Yuyun Isbanah
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Structural Equation ◽  
Quantitative Research ◽  
Equation Model ◽  
Financial Strain ◽  
Financial Satisfaction ◽  
Snowball Sampling ◽  
Management Behaviour ◽  
Data Collection Instrument

The research aims to determine the effect of financial literacy, financial strain, financial management behaviour, and income on financial satisfaction in the e-wallet user in Surabaya. The research is a type of conclusive causality research with quantitative research data using purposive sampling and snowball sampling techniques. The data collection instrument used in this research was the distribution of online questionnaires. The samples used in this research were 207 respondents from e-wallet user in Surabaya. The data analysis use Structural Equation Model (SEM) technique with AMOS tools. This research shows that only financial management behaviour influences financial satisfaction because of their good financial management awareness. Financial literacy has no financial satisfaction because the information is easy to get, but what is received is not necessarily correct. Financial strain has no influences on financial satisfaction because respondent did not experience financial strain, so most of them are college students and students. Income also has no influences on financial satisfaction because the income received still depends on each parent.

scholarly journals Pengaruh Income, Debt, Gender Differences, Financial Literacy, dan Financial Attitude terhadap Financial Satisfaction

2021 ◽  
Vol 9 (4) ◽  
pp. 1549-1562
Author(s):  
Ucik Nurul Hidayati Siswoyo ◽  
Nadia Asandimitra
Keyword(s):  
Gender Differences ◽  
Financial Literacy ◽  
Financial Management ◽  
Structural Equation ◽  
Positive Impact ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Snowball Sampling ◽  
The Individual

This study examines the financial satisfaction among the employees in the District of Sidoarjo, as well as to analyze the relationship between income, debt, gender differences, financial literacy, and financial attitude. The object of this research is the employees in the District of Sidoarjo and techniques of data collection using the technique of purposive sampling and snowball sampling. Total respondents obtained is 298 by distributing questionnaires online. This research is conclusive causality and using the analysis technique of Structural Equation Modeling (SEM) in AMOS software version 24. The results of this study showed that the debt and financial attitude have a significant effect on financial satisfaction, while the variable income, gender differences and financial literacy does not affect the financial satisfaction. This study can be a useful reference for a variety of parties, especially labour/employees/employee where you should always act and behave better in financial terms, because the attitude towards finance plays an important role to determine the success or failure of the financial behavior of individuals. The high attitude of the individual financial can determine the high awareness in responsible for the expenditure of finances, so it will cause a positive impact on the behavior of financial management to achieve the satisfaction of personal finance.

scholarly journals Pengaruh Financial Literacy, Income, Hedonism Lifestyle, Self-Control, dan Risk Tolerance terhadap Financial Management Behavior pada Generasi Milenial Kota Surabaya

2021 ◽  
Vol 9 (3) ◽  
pp. 1002-1014
Author(s):  
Alfrin Erman Sampoerno ◽  
Nadia Asandimitra Haryono
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Millennial Generation ◽  
Structural Equation ◽  
Quantitative Research ◽  
Well Being ◽  
Equation Model ◽  
Risk Tolerance ◽  
Self Control ◽  
Management Behavior

Financial management behavior is organized, regulated, managed, and saved funds to achieve financial well-being. The study aims to effects of financial literacy, income, hedonistic lifestyle, self-control, and risk tolerance on financial management behavior. The object used in this research is the millennial generation based in Surabaya with a monthly income. This study focuses on the millennial generation since they are stigmatized for their excessive consumption and inability to conserve money. This study employs quantitative research and the Structural Equation Model as a method of analysis (SEM). A total of 200 people responded to the survey. According to this study, financial management behavior is influenced by hedonistic lifestyle and self-control, but not by financial literacy, income, or risk tolerance. This finding is because most respondents are still in college, and the study's limitations include the inability to include other variables such as intention and social standing. This study could be helpful to reference for various parties, especially the millennial generation, to be better at self-controlling their consumption and increase their financial literacy.

scholarly journals Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya

2021 ◽  
Vol 9 (2) ◽  
pp. 572
Author(s):  
Anglia Dinda Pramedi ◽  
Nadia Asandimitra Haryono
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Self Efficacy ◽  
Structural Equation ◽  
Sampling Technique ◽  
Financial Knowledge ◽  
Primary Data ◽  
Snowball Sampling ◽  
Online Questionnaire ◽  
Management Behavior

Finance is one of the factors in the development of a business. Therefore, the entrepreneur should be able to handle finances well to reach business purposes. Based on the previous studies, the purpose of this research is to determine the effect of several factors such as financial literacy, financial knowledge, financial attitude, income, and financial self-efficacy on financial management behavior. The research sample is 211 entrepreneur who has graduated from college in Surabaya. This research used conclusive causality research with primary data. The sampling technique used purposive sampling and snowball sampling method, and data distribution using an online questionnaire. SEM (Structural Equation Model) used for data analysis technique and using AMOS 24. The hypothesis showed that financial knowledge, income, and financial self-efficacy did not affect financial management behavior, but financial literacy and financial attitude influence financial management behavior. Therefore, the entrepreneur needs to improve financial literacy and financial attitude to manage finance on the business better.

scholarly journals A MODEL FOR PERSONAL FINANCIAL PLANNING TOWARDS RETIREMENT

2020 ◽  
Vol 0 (0) ◽  
pp. 1-21
Author(s):  
Teresa C. Herrador-Alcaide ◽  
Montserrat Hernández-Solís ◽  
Gabriela Topa
Keyword(s):  
Financial Literacy ◽  
Financial Planning ◽  
Financial Management ◽  
Structural Equation ◽  
Financial Risk ◽  
Management Practices ◽  
Equation Model ◽  
Financial Resources ◽  
Explanatory Variables ◽  
Personal Financial Planning

One problem for sustainability of systems pensions is how people without specialized financial training could manage their resources and their actual personal intentions towards retirement. Research objective is to analyse the relationship among several factors that affect the behaviour towards retirement, the financial management practices and the financial resources, by carrying out a structural equation model (SEM) that was tested in Spanish workers sample in three phases. The influence of financial literacy, financial retirement objectives, optimism on retirement, tolerance to financial risk, and the commitment to financial planning at time 1, are analysed as explanatory variables of financial management practices at time 2. Financial resources for retirement at time 3 are explained by financial management practices. According to results, the model can predict the 36% of the variance of financial management practices and 53% of the variance of financial resources for retirement. Thus, the model can be used for checking of knowledge of the personal financial behaviour before retirement, what enables a better personal financial planning. It would be possible to apply a model based on self-assessment in order to implement a complementary financial planning that would allow to maintain the welfare during retirement.

scholarly journals Faktor yang Memengaruhi Financial Satisfaction pada Masyarakat Kabupaten Pamekasan

2021 ◽  
Vol 9 (1) ◽  
pp. 182
Author(s):  
Dinda Arfiana Rusdini
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Capita Income ◽  
Total Sample ◽  
Financial Satisfaction ◽  
Per Capita Income ◽  
Management Behaviour ◽  
Financial Anxiety ◽  
Income Data ◽  
Per Capita

The purpose of this research is to determine the influence of income, debt, and financial literacy on financial satisfaction through financial management behaviour as a mediating variable. This causality research using per capita income data from BPS shows that Pamekasan district has the lowest per capita income so that Pamekasan district as an object with a total sample of 193 respondents by offline questionnaire. Using SEM techniques and processed with AMOS tools, the conclusion is that only financial literacy influences financial management behaviour because of their high savings awareness. Income does not influence financial satisfaction because even their income is high enough, but they still have high debt. Debt does not affect financial satisfaction because having debt does not necessarily cause financial anxiety. Some respondents have debt and have financial satisfaction, but some do not. Financial literacy has no influence on financial satisfaction but influences financial management behaviour, and financial management behaviour has not been able to meditate because their saving behaviour is unable to increase their satisfaction

scholarly journals ANALISIS FAKTOR YANG MEMENGARUHI KEPUTUSAN INVESTASI (STUDI PADA MAHASISWI DI SURABAYA)

2020 ◽  
Vol 4 (2) ◽  
pp. 396
Author(s):  
Ifanda Ogix Fridana ◽  
Nadia Asandimitra
Keyword(s):  
Structural Equation Model ◽  
Financial Literacy ◽  
Structural Equation ◽  
Quantitative Research ◽  
Investment Decisions ◽  
Female Gender ◽  
Equation Model ◽  
Risk Tolerance ◽  
Investment Activity ◽  
Positive Effect

Investasi adalah kegiatan investasi aset untuk mendapatkan keuntungan dalam jangka waktu tertentu. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi keputusan investasi. Penelitian ini menggunakan jenis penelitian kuantitatif dengan jumlah sampel 230 responden dengan menggunakan metode analisis Structural Equation Model (SEM). Objek penelitian ini adalah mahasiswi di Surabaya yang memiliki galeri investasi di kampusnya. Studi ini berfokus pada jenis kelamin perempuan karena dalam empat tahun terakhir investor perempuan mengalami peningkatan yang signifikan dibandingkan dengan investor laki-laki, padahal tingkat pengetahuan keuangan perempuan lebih rendah dibandingkan laki-laki. Hasil penelitian ini menunjukkan bahwa literasi keuangan, overconfidence, herding, toleransi risiko dan persepsi risiko berpengaruh positif terhadap keputusan investasi. Hasil penelitian ini dapat membantu Galeri Investasi sebagai lembaga untuk sering melakukan sosialisasi seperti pemahaman finansial, manfaat berinvestasi, cara mengantisipasi risiko untuk berinvestasi sehingga pemahaman tentang investasi dapat menyeluruh dan dapat menarik calon investor baru nantinya.  Investment is an asset investment activity to get a profit within a certain period. This study aims to analyze the factors that influence investment decisions. This study uses quantitative research with a sample of 230 respondents using the analysis method of Structural Equation Model (SEM). The object of this research is female students in Surabaya who have an investment gallery on their campus. This study focuses on the female gender because in the last four years female investors have experienced a significant increase compared to male investors, even though the level of financial knowledge of women is lower than that of men. The results of this study indicate that financial literacy, overconfidence, herding, risk tolerance and risk perception have a positive effect on investment decisions. The results of this research can help the Investment Gallery as an institution to conduct socialization frequently such as financial understanding, the benefits of investing, how to anticipate risks for investment so that an understanding of investment can be comprehensive and can attract new potential investors later.

scholarly journals Demographic, Financial Literacy, and Financial Behavior of Women Working in Manufacturing Industry

2021 ◽  
Vol 10 (3) ◽  
pp. 381-393
Author(s):  
Anastasia Anggarkusuma Arofah ◽  
Destin Alfianika Maharani
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Structural Equation ◽  
Quantitative Research ◽  
Manufacturing Industry ◽  
Demographic Factors ◽  
Financial Education ◽  
Financial Behavior ◽  
Original Sample ◽  
Female Workers

The purpose of this study is to determine the effect of demographic factors and financial literacy on financial behavior of women working in manufacturing industry. Women are the targets of financial literacy due to their involvement in fulfilling the household needs and welfare. This research is quantitative research. Using the questionnaire on 115 respondents in this study from various manufacturing industries in Purbalingga with probability sampling as the technique. While the data analysis technique used Structural Equation Modelling (SEM) PLS 3.0. The findings show that, first, demographic factors contribute positively and significantly towards female workers’ financial behavior with original sample value 0.224 and t-value 2.420 > 1.96; second, financial literacy also contributes positively and significantly towards financial behavior with original sample value 0.256 and t-value 3.251 > 1.96. The higher the demographic factors of female workers, the better their financial management are. Likewise, students with low financial literacy tend to be able to hold back their urges to buy things and use services. Moreover, the significance of financial literacy and demographic factors has important implications for the development of policies that aim to improve financial behaviour among women working in financial education programs.

scholarly journals The New Social Construction of Entrepreneurship: From Professional Workers to Moslempreneurs

Webology ◽  
2021 ◽  
Vol 18 (Special Issue 03) ◽  
pp. 282-298
Author(s):  
Nur Hamid ◽  
Fania Mutiara Savitri ◽  
Atika Dyah Perwita ◽  
Wah ab ◽  
Yoga Purandina
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Organizational Factors ◽  
Equation Model ◽  
Snowball Sampling ◽  
Professional Skill ◽  
Managerial Implication ◽  
Professional Background ◽  
Global Era ◽  
Market Factor

The concept of entrepreneurship is an important factor for increasing economic growth in Indonesia. Moslempreneur is an actor in entrepreneurship, who has and shows an identity with a distinctive personality and characteristics as a Moslem, who is able to carry out Islamic business ethics. Business competition in the global era demands a competitive advantage. The phenomenon that arose from the formation of a university graduate’s entrepreneurship is laymen. The construction of entrepreneurship from moslem workers who have a professional background and feel bored in the organization can increase the amount of entrepreneur effectively. This study used a behavioral and organizational approach in forming professional moslempreneurs, so this study examined individual, organization, market factor, and professional skills that affect moslempreneur intention and behavior by using the Structural Equation Model (SEM) in executing data analysis on this quantitative research. Sampling was collected by a purposive snowball sampling method on 108 moslempreneur respondents in Indonesia who have a professional background. The results showed that 1) entrepreneurship intention reflected through individual factors, market factor, and professional skill; 2) organizational factors affect professional skill; 3) entrepreneurship intention affects entrepreneurship behavior; 4) the contextual elements (entrepreneurial instruments) do not moderate the relationship between the entrepreneurship intention to entrepreneurship behavior. The managerial implication suggests potential experienced moslem workers who are still in the organization and intend to be entrepreneurs can be moslempreneurs without any hesitation in making entrepreneurial decisions. This research finding revealed new mini theory named a "Signaling Moslempreneurship".

scholarly journals Literasi Keuangan, Pendapatan dan Gaya Hidup terhadap Pengelolaan Keuangan di Masa Pandemi

2021 ◽  
Vol 21 (3) ◽  
pp. 1245
Author(s):  
Siti Muntahanah ◽  
Heru Cahyo ◽  
Heri Setiawan ◽  
Sindi Rahmah
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Primary Data ◽  
Linear Regression Method ◽  
Multiple Linear Regression Method ◽  
Management Behaviour ◽  
Positive Effect

This study aims to determine the effect of financial literacy, income and lifestyle on financial management behaviour during a pandemic. This type of research is quantitative research and the data used are primary data obtained from questionnaires, interviews and observations. The population of this research is member of Koperasi Pesat in Sumbang and Baturraden Districts, using a sample of 47 respondents. The sampling technique is simple random sampling. The analytical method used is a multiple linear regression method. The results of the study partially show that variable income have a signifficant positive effect on financial management behaviour. While variable financial literacy and lifestyle insignificant effect on financial management behavior.

scholarly journals Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater

2021 ◽  
Vol 9 (3) ◽  
pp. 863-875
Author(s):  
Vicky Pradita Dewanti ◽  
Nadia Asandimitra
Keyword(s):  
Locus Of Control ◽  
Financial Management ◽  
Structural Equation ◽  
Sem Analysis ◽  
Financial Knowledge ◽  
Equation Modeling ◽  
Financial Socialization ◽  
Snowball Sampling ◽  
Online Data ◽  
Management Behaviour

The research of this study investigates financial management behaviour among the user of the Paylater in Surabaya. It also analyzes the relationship between financial socialization, financial knowledge, financial experience, and locus of control as a mediating variable. This research is conclusive causality, used purposive sampling and snowball sampling techniques. The total number of respondents obtained was 234 respondents by distributing questionnaires online. Data analyzed using the Structural Equation Modeling (SEM) analysis technique in the AMOS software. The results show that financial knowledge significantly impacts financial management behaviour, while financial socialization, financial experience, and locus of control do not affect financial management behaviour. The mediation testing result shows that locus of control cannot mediate between financial knowledge and financial management behaviour. Because the sample dominant is the student and age range between 15 and 24, almost all of them still have income from their parents, so they can not manage financial independence to the greatest extent and do not have much experience related to finance. It was also caused by female respondents who often engage in impulsive buying. This study could be helpful to references for various parties, especially Paylater users, to be responsible for making financial decisions and wise in managing their finances.

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