scholarly journals INOVASI FINANCIAL TECHNOLOGY TERHADAP PENINGKATAN INKLUSI KEUANGAN

2020 ◽  
Vol 18 (2) ◽  
pp. 155
Author(s):  
Dian Ratnasari Yahya ◽  
Rika Rahayu
Keyword(s):  
Survey Methods ◽  
Total Sample ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Intention To Adopt ◽  
Digital Era ◽  
Almost All ◽  
Customer Trust ◽  
Financial Technology

People’s lifestyle in the digital era is very varied, almost all stratum of society use technology to gain information, data, loans, transactions, and others practically and quickly. This study aims to find customer trust on intention to adopt fintect performance, find the effect of fintect promotion on the intention to adopt fintect, find the effect of intention to adopt fintect on financial inclusion. This study used survey methods through questionnaires for respondents who used fintect products (OVO applications) in Surabaya with a total sample of 265 respondents. To find out the responses of the respondents toward fintect products, it uses a Likert scale. The data processing performed by using Partial Least Square (PLS). The results show that there was an influence between customer trust on intention to adopt fintect, there was an influence between fintect promotion on intention to adopt fintect, and there was an influence between intention to adopt fintect on financial inclusion.

scholarly journals Fin-Tech, Financial Inclusion, and Sustainability: a Quantitative Approach of Muslims SMEs

2021 ◽  
Vol 6 (1) ◽  
pp. 54
Author(s):  
Yulfan Arif Nurohman ◽  
Melia Kusuma ◽  
Devi Narulitasari
Keyword(s):  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Quantitative Approach ◽  
Positive Relation ◽  
The Government ◽  
Medium Enterprises ◽  
Financial Technology

Sustainability of Small and Medium Enterprises (SMEs) is very important to be noted or observed. Because the majority of Indonesia�s population is Muslim and many of them are SMEs Actors. This study aim to provide empiric proves about the relation among financial technology (Fintech), financial inclusion, and sustainability muslims SMEs in Solo Raya area. This study uses quantitative approach. Analysis instrument used in this study is Partial Least Square (PLS). All data in the study are collected by handing out questionnaires to 96 SMEs owners who are Muslim chosen with accidental sampling technique. The result of this study shows that there is a positive relation between financial technology and financial inclusion. Financial technology also have positive relation toward the sustainability of SMEs. Besides that, financial inclusion also have positive relation with the sustainability of SMEs. With these results, it is expected that could give more viewpoint to the Government to give a convenient access and support the existence and sustainability of SMEs

scholarly journals Pengaruh Literasi Keuangan Dan Financial Technology Terhadap Inklusi Keuangan Pada Masyarakat Pekanbaru (Studi Pada Investor Saham Syariah Di Pekanbaru)

2021 ◽  
Vol 3 (2) ◽  
pp. 194-206
Author(s):  
Yolanda Atika Safira ◽  
Yulia Efni ◽  
Fitri Fitri
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Sampling Methods ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Equation Modeling ◽  
Sampling Techniques ◽  
Online Trading ◽  
Financial Technology

This study aims to examine the effect of financial literacy and the use of online trading applications on financial inclusion of sharia stock Investors in Pekanbaru. The sample used in this study was 150 sharia stock Investors in Pekanbaru who use online trading applications in stock transactions. Sampling uses non-probability sampling methods and purposive sampling techniques. The data in this study are quantitative data obtained using a questionnaire and processed by using Partial Least Square Structural Equation Modeling (PLS-SEM). The results of this study indicate that financial literacy has a positive and significant effect on financial inclusion of sharia stock investors in Pekanbaru and financial technology has a positive and significant effect on sharia stock investors in Pekanbaru.

scholarly journals INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA DAN KEBERLANGSUNGAN SEKTOR USAHA MIKRO KECIL MENENGAH

2021 ◽  
Vol 10 (1) ◽  
pp. 135-152
Author(s):  
Mei Ruli Ninin Hilmawati ◽  
Rohmawati Kusumaningtias
Keyword(s):  
Financial Literacy ◽  
Business Performance ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Sustainable Business ◽  
Great Opportunity ◽  
Independent Variables ◽  
Dependent Variables ◽  
Least Square Approach

Abstrak: Inklusi Keuangan dan Literasi Keuangan terhadap Kinerja dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Suatu kinerja unggul dan bisnis yang berkelanjutkan dapat terwujud apabila terdapat upaya-upaya strategis yang dilakukan. Jawa Timur merupakan salah satu provinsi dengan jumlah UMKM yang cukup banyak memiliki peluang yang besar untuk meningkatkan perekonomian Indonesia. Penelitian ini dilakukan untuk menganalisis pengaruh inklusi keuangan dan literasi keuangan terhadap kinerja dan keberlangsungan sektor UMKM yang terdapat di Kota Surabaya. Penelitian ini merupakan penelitian kuantitatif dengan inklusi keuangan (INKA) dan literasi keuangan (LIKA) sebagai variabel independen, serta kinerja usaha (KIUS) dan keberlangsungan usaha (KEUS) sebagai variabel dependen. Sampel pada penelitian ini berjumlah 113 UMKM yang kemudian dilakukan analisis dengan pendekatan Partial Least Square. Hasil penelitian menyimpulkan bahwa inklusi keuangan tidak berpengaruh terhadap kinerja dan keberlangsungan sektor UMKM. Sedangkan literasi keuangan memiliki pengaruh yang terhadap kinerja dan keberlangsungan sektor UMKM.Kata kunci: Inklusi Keuangan, Literasi Keuangan, Kinerja Bisnis, Keberlangsungan Bisnis, UMKMAbstract: Financial Inclusion and Financial Literacy on the Performance an Sustainability of the MSMEs. Excellent performance and sustainable business can be realized if there are strategic efforts. East Java, as one of the Province with a large number of MSMEs that have a great opportunity to improve the Indonesian economy. This study was conducted to analyze the effect of financial inclusion and financial literacy on the performance and sustainability of MSMEs in Surabaya. This research is a quantitative study with independent variables are financial inclusion (INKA) and financial literacy (LIKA), and the dependent variables are business performance (KIUS) and business continuity (KEUS). The sample in this study amounted to 113 MSMEs which were then analyzed using the Partial Least Square approach. this study concludes that financial inclusion has no effect on the performance and sustainability of MSMEs. while financial literacy has a influence on the performance and sustainability of MSMEs. Keywords: Financial Inclusion, Financial Literacy, Business Performance, Sustainability, MSMEs

scholarly journals Understanding of Financial Literacy as a Moderating Variable on the Effect of Financial Technology on Financial Inclusion in Lubuklinggau City, Indonesia

2021 ◽  
Vol 3 (2) ◽  
pp. 140-151
Author(s):  
Martini Martini ◽  
Sardiyo Sardiyo ◽  
Reza Septian ◽  
Devi Anggreni sy ◽  
Deni Nurdiansyah
Keyword(s):  
Data Analysis ◽  
Financial Literacy ◽  
Indirect Effects ◽  
Total Sample ◽  
Financial Inclusion ◽  
Direct And Indirect Effects ◽  
Main Requirement ◽  
Indirect Analysis ◽  
The City ◽  
Financial Technology

This study investigates the effect of fintech on financial inclusion, and financial literacy, it was able to influence financial literacy on financial inclusion in Lubuklinggau. The research was conducted by distributing questionnaires to eight districts in the city of Lubuklinggau with a total sample of 401 people who use fintech as the main requirement. Data analysis was carried out with WarpPLS to identify direct and indirect effects on the tested variables. Based on the results, the perception of the ease and effectiveness of using fintech does not affect financial inclusion in Lubuklinggau. People are still not familiar with fintech and consider fintech as a new financial system and not easy to use. The level of risk and interest in using fintech has a significant influence on the financial inclusion variable in the Lubuklinggau. The indirect analysis explains it proves that financial literacy is able to moderate perceptions of the ease of using fintech and reduce the risk of fintech itself on financial inclusion. However, financial literacy is not able to moderate the effectiveness of using fintech and interest in financial inclusion to use of fintech after understanding financial literacy, people become more selective in using fintech.

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (1) ◽  
pp. 37
Author(s):  
Wahyudi Wahyudi ◽  
Brigitta Azalea Pulo Tukan ◽  
Dahlia Pinem
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Partial Least Square Analysis ◽  
Analysis Technique ◽  
Positive Effect ◽  
Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

scholarly journals PENGARUH MOTIVASI TERHADAP PRODUKTIVITAS DENGAN KEPUASAN KERJA SEBAGAI VARIABEL INTERVENING PADA PEGAWAI NEGERI SIPIL DALAM KOORDINASI ASISTEN III KABUPATEN LOMBOK TIMUR

2016 ◽  
Vol 5 (4) ◽  
Author(s):  
Karyagus Sugandi
Keyword(s):  
Job Satisfaction ◽  
Employee Performance ◽  
Sampling Technique ◽  
Total Sample ◽  
Partial Least Square ◽  
Least Square ◽  
Work Behavior ◽  
Employee Productivity ◽  
Situational Variables ◽  
Motivating Factor

This study is based on two-factor theory of Herzberg aimed to explore the influence of motivation on job satisfaction and employee performance at the Local Government institutions. This type of research used in this study is exploratory. The population of as many as 108 employees with a total sample of 51 of Civil Servants in East Lombok regency Regional Secretariat on the work unit is in the coordination of the General Administrative Assistant III. The sampling technique used is the technique Proportionate Stratified Random, data analysis using Partial Least Square (PLS) using software SmatPLS 3. The results stated that the motivation positive and significant impact on performance, motivation positive and significant impact on job satisfaction, job satisfaction and a positive effect significantly to the performance, motivation indirect effect on performance through job satisfaction as a variable intervenig. The implications of this research uses only motivating factor of two-factor theory also has other limitations that situational variables. work behavior and work is an integral Herzberg assume a correlation between satisfaction and productivity. However, research conducted by Herzberg emphasis on customer satisfaction and productivity neglect. Keywords: Motivation, Job Satisfaction, Employee Productivity, Partial Least Square

scholarly journals Effect of compensation on employee performance towards motivation as mediation variable

2019 ◽  
Vol 6 (5) ◽  
pp. 134-143
Author(s):  
Intan Candradewi ◽  
I Gst. A. Manuati Dewi
Keyword(s):  
Employee Performance ◽  
Sampling Technique ◽  
Total Sample ◽  
Partial Least Square ◽  
Least Square ◽  
Sample Technique ◽  
Saturated Sample ◽  
Relationship Of ◽  
The Relationship

The purpose of this study was to analyze and explain the role of mediation motivation in the relationship of compensation to employee performance at Wisma Prashanti Hospital. The population in this study were employees of Wisma Prashanti Hospital with a total sample of 83 respondents. The sampling technique is carried out is a saturated sample technique, the entire population is used as a sample. The research instrument used a questionnaire and analysis method using Partial Least Square (PLS) with SmartPLS 3.2 software. The results showed (1) compensation has a positive and significant effect on employee performance (2) compensation has a positive and significant effect on motivation (3) motivation has a positive and significant effect on employee performance (4) motivation mediates partially and positively and significantly on the relationship between compensation and employee performance. The implications of the results of this study indicate that compensation is found to be a major factor in improving employee performance.

ANALISIS PENGARUH PENALARAN ETIS DAN SENSITIVITAS ETIKA TERHADAP PERILAKU ETIS MAHASISWA

2019 ◽  
Vol 2 (1) ◽  
pp. 26-35
Author(s):  
Lia Anggriati ◽  
Muslichah M
Keyword(s):  
Ethical Behavior ◽  
Ethical Reasoning ◽  
Total Sample ◽  
Partial Least Square ◽  
Least Square ◽  
Accounting Students ◽  
Ethical Sensitivity ◽  
Significant Positive Effect ◽  
The Relationship ◽  
Positive Effect

Along with the violations of ethics that occur frequently committed by accountants, both publicaccountants, and internal company accountants and government accountants and based on the resultsof research that has been done before producing different results, this study aims to examine the effectof ethical reasoning and ethical sensitivity to behavior ethical students. The population in this studywere accounting students at STIE Malangkucecwara. Research samples were taken using a simple randomsampling technique. The total sample used in the study was 184 accounting students. This study usesthe Partial Least Square (PLS) method. The results of this study indicate that (1) Ethical sensitivityhas a significant positive effect on ethical behavior. (2) Ethical sensitivity has a significant positiveeffect on ethical reasoning. (3) Ethical reasoning has a significant positive effect on ethical behavior.(4) Ethical reasoning does not mediate the relationship between ethical sensitivity on ethicalbehavior.

ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER

2021 ◽  
Vol 16 (1) ◽  
pp. 10-17
Author(s):  
Femmy Effendy ◽  
Vanessa Gaffar ◽  
Ratih Hurriyati ◽  
Heny Hendrayati
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Survey Methods ◽  
Equation Model ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Mobile Payment ◽  
Mobile Payments ◽  
Acceptance Model

This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.

What Makes Customers Repurchase Grocery Products from Online Stores in Korea

2021 ◽  
pp. 1339-1356
Author(s):  
Jin Yong Park ◽  
Dhanabalan Thangam
Keyword(s):  
Customer Loyalty ◽  
Sampling Technique ◽  
Equation Model ◽  
Partial Least Square ◽  
Least Square ◽  
Repurchase Intention ◽  
Online Retailers ◽  
Online Stores ◽  
Customer Trust ◽  
Grocery Products

To understand customer repurchase intention in online stores, the present study has evolved with three variables: customer trust, loyalty, and satisfaction. A theoretical model was also developed to examine customer repurchase intention towards online shopping. The observation unit of this research is online stores and the analytical unit is the customers who have been purchasing grocery products via online. A random sampling technique was used to select the respondents and who are easily accessible. The data was collected from 645 online customers in Seoul. The data was analyzed with a structural measurement equation model by using Partial Least Square 3.0. Outcomes of study showed that, customer satisfaction and trust were the significant predictors of customer repurchase intention. The effect of customer loyalty towards repurchase intention seems to be very low. Hence, online retailers have advised to concentrate more on the activities needed to increase customer loyalty and to purchase more.

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