scholarly journals Pendidikan Keuangan Keluarga, Kesadaran Keuangan dan Tingkat Personal Finance

2021 ◽  
Vol 3 (2) ◽  
pp. 172-179
Author(s):  
Reza Widhar Pahlevi ◽  
Lazzuardi Nashrullah
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Sampling Method ◽  
Sampling Technique ◽  
Financial Education ◽  
Personal Finance ◽  
Analysis Technique ◽  
The Family ◽  
Data Source ◽  
Financial Awareness

The purpose of this study was to determine the effect of financial education on the family, financial education on campus, peers, financial literacy and financial awareness on the level of student personal finance. The sampling technique uses a non probability sampling technique. While the sampling method uses incidental sampling, whoever by chance or fits as a data source, then continues using the purposive sampling method, namely the sam-pling technique with the consideration of students of the Faculty of Economics in Yogya-karta who have taken Financial Management courses and who have taken courses that concentrate on Finance. From these considerations, 103 respondents. The data analysis technique uses multiple regression analysis. The results showed that financial education in the family, financial literacy and financial awareness had a significant effect on student personal finance, while financial education on campus and peers had no effect on student personal finance. DOI: https://doi.org/10.26905/afr.v3i2.5840

scholarly journals PENGARUH LITERASI KEUANGAN KECERDASAN SPIRITUAL DAN PENDIDIKAN KEUANGAN DI KELUARGA TERHADAP PENGELOLAAN KEUANGAN MAHASISWA

2018 ◽  
Vol 3 (1) ◽  
Author(s):  
Madelberta Resma Nugraheni Sigo ◽  
Lilik Sri Hariani ◽  
Walipah Walipah
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Literacy ◽  
Financial Management ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Financial Education ◽  
Economic Education ◽  
Spiritual Intelligence ◽  
Quota Sampling

This study aims to analyze the effect of financial literacy, spiritual intelligence, and financial education in families on the financial management of students of Economic Education in Kanjuruhan University Malang. This type of research uses quantitative research, using multiple linear regression. The population in this study were all students of Economic Education at Kanjuruhan University Malang, totaling 198 students with a research sample of 65 students. The sampling technique in this study used quota sampling. The data obtained were analyzed using the SPSS application version 16.00 for windows. Based on the results of the analysis it is known that there is a significant simultaneous and partial effect between financial literacy, spiritual intelligence, and financial education in families on the financial management of students of Economic Education at Universitas Kanjuruhan Malang.

scholarly journals Literasi keuangan dan pengelolaan keuangan keluarga dalam perspektif budaya Jawa dan Bugis

2019 ◽  
Vol 7 (1) ◽  
Author(s):  
Reni Tri Purniawati ◽  
Lutfi Lutfi
Keyword(s):  
Regression Analysis ◽  
Financial Literacy ◽  
Financial Management ◽  
Sampling Technique ◽  
Family Welfare ◽  
Research Use ◽  
Management Behavior ◽  
Analysis Technique ◽  
Convenience Sampling ◽  
Consumptive Behavior

Consumptive behavior can negatively affect family welfare. Financial literacy is one of the factors which may affect family financial management behavior. This family financial may differ across ethnic groups due to the different characters and principles of life among them. This study aimed to examine the effect of financial literacy on family financial management using ethnic as a moderating variable. This study uses a questionnaire instrument that is distributed to 140 respondents of Javanese in Madiun residency and 96 respondents of Bugis at Makassar, East Sulawesi. The data analysis technique is multiple regression analysis. This research use purposive sampling and convenience sampling as the sampling technique. The result of this study shows that financial literacy positively affect family financial management behavior, while ethnic does not moderate the effect of financial literacy on family financial management behavior. This study suggests that families, both Javanese and Bugis, need to enhance their financial literacy to enable them to manage their finance well so that they can improve their welfare.

scholarly journals KOMPETENSI SEBAGAI PEMODERASI PENGELOLAAN KEUANGAN DAN PENERAPAN AKUNTANSI TERHADAP AKUNTABILITAS KINERJA

2021 ◽  
Vol 5 (2) ◽  
pp. 1-10
Author(s):  
Lilis Setyowati
Keyword(s):  
Financial Management ◽  
Sampling Technique ◽  
City Government ◽  
Primary Data ◽  
Government Organization ◽  
Purposive Sampling ◽  
Analysis Technique ◽  
Performance Accountability ◽  
Regression Test ◽  
Data Source

ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh pengelolaan keuangan dan penerapan akuntansi terhadap akuntabilitas kinerja pemerintah Kota Semarang dengan kompetensi sumber daya manusia sebagai pemoerasi. Metode penentuan sampel dalam penelitian ini menggunakan teknik purposive sampling. Jumlah sampel dalam penelitian ini 59 responden yang bekerja di kantor Organisasi Perangkat Daerah Kota Semarang bagian keuangan dan akuntansi. Sumber data primer diperoleh dari pernyataan kuesioner. Teknik analisis data menggunakan uji regresi regresi linear. Hasil penelitian menyatakan bahwa pengelolaan keuangan dan penerapan akuntansi berpengaruh positif dan signifikan terhadap akuntabilitas kinerja pemerintah Kota Semarang, serta kompetensi sumber daya manusia juga terbukti sebagi pemoderasi.     ABSTRACT This study aims to analyze the effect of financial management and accounting implementation on the Semarang City government's performance accountability with human resource competency as a moderating variable. The sample used in this study was obtained by purposive sampling technique, namely 59 civil servants in the financial section of the Semarang City Local Government Organization unit. The data source used is primary data with a questionnaire instrument. Data analysis technique used is multiple linear regression test. The results of this study found that financial management and implementation of accounting in the Semarang City government proved to have a positive and significant effect on the accountability of the Semarang City Government's performance. In addition, it was also found that the competence of the human resources involved in it was able to moderate the influence

scholarly journals PENGARUH STATUS SOSIAL EKONOMI DAN PENDIDIKAN PENGELOLAAN KEUANGAN DI KELUARGA TERHADAP LITERASI KEUANGAN SISWA SMK NEGERI 1 SURABAYA

2017 ◽  
Vol 3 (1) ◽  
pp. 22
Author(s):  
Romadoni Romadoni
Keyword(s):  
Socioeconomic Status ◽  
Financial Literacy ◽  
Financial Management ◽  
Management Education ◽  
Financial Education ◽  
Simple Random Sampling ◽  
Family Influence ◽  
The Family ◽  
Academic Year ◽  
Significant Direct Effect

This study aimed to determine the influence of socioeconomic status and financial management education in the family to the financial literacy in 1st State Vocational School of Surabaya academic year 2013–2014. Population of this study were 197 students. Sampled by 132 students selected by using simple random sampling. Data were collected by questionnaires and documentation. The method of analysis in this study was regression linear. The results showed that the socioeconomic status of parents directly influence financial literacy, financial management education in the family influence on financial literacy and socioeconomic status also family financial education has significant direct effect on financial literacy

scholarly journals Personal Finances in the Era of Modern Technological Solutions

2021 ◽  
Vol 1 (29) ◽  
pp. 155-174
Author(s):  
Anna Janina Warchewska ◽  
Alfred Janc ◽  
Rafał Iwański
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Financial Education ◽  
Personal Finance ◽  
Financial Industry ◽  
Financial Decisions ◽  
Finance Management ◽  
Self Confidence ◽  
The Impact

The purpose of the article: the aim of the article is to present the essence of personal finance management using modern financial technologies. The paper seeks to answer the question of the impact financial literacy and the growth of the fintech solutions have on personal financial management. Methodology: the analysis leads to an answer to the question of which determinants have an impact on consumers' financial decisions and what remote tools the market offers. The paper hypothesizes that the intensification of educational activities tailored to each age group by institutions offering financial services may influence the greater use of modern tools in the process of personal finance management. Theoretical considerations are based on an in-depth query of literature on the subject. Research and financial experimentation in the field of financial knowledge and skills are presented. The secondary empirical material is used to analyze the development of the FinTech industry. Results: The effectiveness of financial education is observed only in specific financial behaviors. The financial industry is shaped by recipients, who instead of financial education, look e.g. financial coaching for a specific problem at different stages of their lives. Changes in population structure (aging population) and a large group of customers from disadvantaged groups (e. i. seniors, disabled people) require the development of new, matched strategies by banks and financial services providers. Too much self-confidence and a low level of consumer knowledge of cybersecurity is becoming a challenge for modern financial technologies.

A comparative analysis of financial awareness of the Northwestern Federal District population

2020 ◽  
Vol 18 (3) ◽  
pp. 474-491
Author(s):  
G.V. Belekhova
Keyword(s):  
Comparative Analysis ◽  
Financial Literacy ◽  
Federal District ◽  
Population Based ◽  
District Population ◽  
The Family ◽  
The Russian Federation ◽  
Ministry Of Finance ◽  
Financial Awareness ◽  
Competence System

Subject This article deals with the issues of determining the level of financial literacy, identifying problems, and comparing the financial literacy rates of the population of different areas. Objectives The article aims to identify territorial differences in the overall level of financial literacy of the population of the Northwestern Federal District regions and study the prevalence of problems related to the family budget, using financial products, and risk. Methods For the study, we used a sociological survey and an original methodology for indexing the level of financial literacy of the population based on the methodology of the Organization for Economic Cooperation and Development, taking into account the adults' financial competence system proposed by the Ministry of Finance of the Russian Federation. Results The article determines the level of financial literacy of the Northwestern Federal District population and identifies similar problems for the District's regions. Conclusions A comparative analysis of the components of financial literacy of the four regions reveals the strengths and weaknesses of each of them. This will help adjust financial literacy programmes being implemented in some regions and developed in others.

Living beyond one’s means: evidence from Malaysia

2015 ◽  
Vol 43 (1) ◽  
pp. 2-18 ◽  
Author(s):  
Yiing Jia Loke
Keyword(s):  
Low Income ◽  
Financial Literacy ◽  
Financial Distress ◽  
Financial Management ◽  
Practical Knowledge ◽  
Financial Education ◽  
Financial Knowledge ◽  
Content Type ◽  
Explanatory Variables ◽  
Financial Behaviour

Purpose – The purpose of the paper is to identify the determinants of the probability of living beyond one’s means. The paper also explores the coping mechanisms of those financially distressed as well as the debt taking behaviour of consumers. Design/methodology/approach – The study uses data obtained from the OECD International Network on Financial Education pilot study on Measuring Financial Literacy in 2010 for the case of Malaysia. A logistic regression model is used to identify the main determinants of the probability that a consumer will live beyond his/her means. The analysis is carried out by using a set of socio-economic factors and the individual’s financial behaviour and attitudinal characteristics as explanatory variables. Findings – The findings indicate that low income and seasonal income earners are more vulnerable to financial distress. Furthermore, having a higher education, higher financial knowledge and prudent financial behaviour and attitude do not necessarily translate into better financial management. Family and friends provide the main source of financial assistance in times of need. Research limitations/implications – The assessment of financial knowledge should go beyond individual’s knowledge on financial concepts and theories. Practical knowledge on financial and cash flow management should be assessed. Practical implications – The study reiterates the importance of financial education. It is imperative to include financial education as part of the schools’ curriculum and also to be incorporated as part of the Continuous Professional Development modules for working adults. Originality/value – The study is based on the first nationwide study of consumer finances in Malaysia. It contributes to the literature by integrating financial behaviour and attitudinal factors into the analysis of the ability of individuals to live within their means. The findings also show the limitations of the existing self-assessment of financial behaviour and attitude and the assessment of financial knowledge.

scholarly journals PENGARUH INOVASI PRODUK, KEMASAN, DAN VARIASI PRODUK TERHADAP MINAT BELI ICE CREAM AICE DI KOTA PADANG

Jurnal Ecogen ◽  
2019 ◽  
Vol 2 (3) ◽  
pp. 270
Author(s):  
Tika Afriyanti ◽  
Rose Rahmidani
Keyword(s):  
Regression Analysis ◽  
Product Innovation ◽  
Purchase Intention ◽  
Sampling Method ◽  
Ice Cream ◽  
Sampling Technique ◽  
Primary Data ◽  
Product Packaging ◽  
Analysis Technique ◽  
Innovation Product

This study aims to know and prove how much influence Innovation Product,Packaging, and Product Varians to Purchase Intention at ice cream Aice in Padang City.This type of research is causative. The population in this study were peoples in Padang City with characteristic know about inforormation Aice and never buying ice cream Aice. The samples were taken using Cochran formula with 100 respondents. This sampling technique is based on nonprobability sampling method. The type of data used in this study is primary data. Data analysis technique used multiple regression analysis technique using SPSS version 25.00. The results of this study indicate that: 1) Innovation Product has a negatif significant effect on purchase intention, 2) Packaging has a positif signifikan effect on purchase intention, 3) Product Varian has a positive significant effect on purchase intention.Keywords: Product Innovation,Packaging, Product Varians, Purchase Intention

scholarly journals Pengaruh Promosi dan Website Quality Terhadap Impulse Buying Pada E-Commerce Lazada di Kota Padang

Jurnal Ecogen ◽  
2019 ◽  
Vol 2 (3) ◽  
pp. 463
Author(s):  
Aan Satria ◽  
Okki Trinanda
Keyword(s):  
Sampling Method ◽  
Sampling Technique ◽  
Positive Influence ◽  
Primary Data ◽  
Impulse Buying ◽  
Great Opportunity ◽  
Website Quality ◽  
Analysis Technique ◽  
The Impact

The e-commerce business has now developed rapidly, the impact of development is that the number of prosuct varies and easily earned. The ease of such information will result in consumers will be more consumptive infulfilling their needs, even they tend to make impuse buying. As one of the emerest e-commerece in Indonesia, Lazada should be able to see this as a great opportunity in as effort to increase the company’s sales and sustainability. One effort in increasing impulse buying is of external factors ranging from the promotion and quality of websites that are launched on e-commerce bussines. This study aims to know and prove how much influence promotion and website quality to impulse buying e-commerce Lazada in Padang City. The samples were taken using Cochran formula with 100 respondents. This sampling technique is based on nonprobability sampling method. The type of data used in this study is primary data. Data analysis technique used multiple regression analysis technique using SPSS version 20. The results of this study indicate that: (1) Promotion has positive influence and significant effect toward impulse buying e-commerce Lazada in Padang city (0,014 < 0,05). (2) Website Quality has positive influence and significant effect toward impulse buying e-commerce Lazada in Padang city (0,046 < 0,05)Keyword: promotion, website quality, impulse buying.

scholarly journals Some Insights Into Financial Literacy Among Undergraduate Students: A Case of Bosnia and Herzegovina

2021 ◽  
Vol 12 (3) ◽  
pp. 103
Author(s):  
Jasmina Okicic ◽  
Meldina Kokorovic Jukan ◽  
Mensur Heric
Keyword(s):  
Undergraduate Students ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Education ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Financial Attitudes ◽  
Significant Difference ◽  
Financial Behaviour ◽  
The Relationship

The purpose of this research is to provide some insights into financial literacy among undergraduate students focusing primarily on the relationship between financial knowledge, financial attitudes and financial behavior and on possible gender and financial education gap in financial literacy. Using the purposive sampling technique, data collection was carried out from April to June 2020, yielding a sample of 1,046 valid responses. To gain a better understanding of the relationship between financial behaviour, financial attitudes and financial knowledge, we, primarily, use exploratory factor analysis and multiple regression model. The research findings have revealed several important issues. First, findings have suggested that financial knowledge, financial attitudes and gender may be considered as an antecedent of the financial behaviour of undergraduate students. Second, findings have also suggested a statistically - significant difference between the financial literacy of undergraduate students concerning their exposure to formal financial education.

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