scholarly journals The Role of Motivation, Locus of Control and Financial Literacy on Women Investment Decisions Across Generations

2020 ◽  
Vol 5 (2) ◽  
pp. 102-123
Author(s):  
Pranadya Tania Putri ◽  
Megawati Simanjuntak
Keyword(s):  
Locus Of Control ◽  
Generation X ◽  
Financial Literacy ◽  
Service Providers ◽  
Control Variable ◽  
Investment Decisions ◽  
Public Access ◽  
Significant Difference ◽  
The Government ◽  
Consultation Services

This research gave attention to three factors that influence individuals in making investment decisions, motivation, locus of control, and financial literacy. This study generally aims to compare and analyze the effect of motivation, locus of control, and financial literacy on investment decisions on the families of the baby boomers generation, generation X, and generation Y.  This study applied a direct interview method and uses a questionnaire as a data collection tool. Thirty housewives from each generation were interviewed. The results showed a significant difference in motivation and financia literacy between the three generations. The results also showed that all variables had a significant effect on investment decisions in each generation. Otherwise, overall, only the locus of control variable that has no significant effect on investment decisions. Based on this, the government together with investment service providers need to formulate an appropriate program. Apart from the education provided through educators, the program can also be provided with socialization and consultation services, either directly or indirectly. Development of supporting infrastructure and public access to financial institutions, products or services according to their needs and capacities also need attention.

scholarly journals Empirical Analysis of Demographic Factors Affecting Intention to use Mobile Wallet

2019 ◽  
Vol 8 (6S) ◽  
pp. 768-776
Keyword(s):  
Service Providers ◽  
Research Work ◽  
Secondary Data ◽  
Demographic Variables ◽  
Intention To Use ◽  
Strategic Decisions ◽  
Factors Affecting ◽  
Personal Innovativeness ◽  
Significant Difference ◽  
The Government

Purpose: Development of digitalisation in banking services brought changes in the minds of customers to adopt different e -channels of banking products and services. Adoption of mobile wallet may be influenced by the demographic variables of customers.The study aims to understand the influence of demographic variables on the factors of intention to use mobile wallets Methodology/ Approach Primary and Secondary data have been utilized for analysis. The sample size of 200 respondents are chosen on method of judgement sampling Novelty Mobile wallet is one of the robust methods of making payments through online which is tremendously increased gain importance in the digital era among millennials generation group. Limited research has been conducted in the area of mobile wallet adoption. The proposed research work adds new dimension to the existing research work that the role of demographic variables on the usage of mobile wallet Practical Implications The outcomes of the current study would help the government for formulating polices and taking strategic decisions. Further the research would add value addition to mobile wallet service providers to devise strategies that will foster the mobile wallets’ adoption by the end users. Findings It has been found that with respect to genders, the factor personal innovativeness makes significant difference on the intent to use mobile wallet and the other factors such as perceived enjoyment and subjective norms do not differ significantly. Age has a significant difference on the mobile wallet usage intention.

scholarly journals FAKTOR PREDIKTOR FINANCIAL MANAGEMENT BEHAVIOR GENERASI X

2021 ◽  
Vol 5 (1) ◽  
pp. 179
Author(s):  
Ida Ida ◽  
Sri Zaniarti ◽  
Nabilla Ayuningtyas
Keyword(s):  
Locus Of Control ◽  
Generation X ◽  
Financial Literacy ◽  
Financial Management ◽  
Self Efficacy ◽  
Management Behavior ◽  
Internal Locus ◽  
Human Needs ◽  
Internal Locus Of Control ◽  
Ease Of Access

Kemudahan akses menggunakan internet dalam memenuhi kebutuhan manusia dapat meningkatkan konsumsi. Generasi X sebagai generasi yang mengenal komputer perlu memiliki financial management behavior yang baik agar tidak menimbulkan masalah keuangan. Studi ini bertujuan untuk menguji secara empiris faktor- faktor yang dapat digunakan sebagai prediktor financial management behavior generasi X. Data dikumpulkan dengan menyebarkan kuesioner secara elektronik kepada generasi X yang lahir tahun 1961- 1980 dan terdapat 579 responden yang mengisi lengkap serta diolah dengan menggunakan pendekatan PLS-SEM. Hasil pengolahan diperoleh bahwa self efficacy, internal locus of control, dan Financial Literacy dapat digunakan sebagai faktor yang dapat memprediksi financial management behavior generasi X di kota Bandung Raya dengan responden penelitian yang mayoritasnya berjenis kelamin laki- laki, pendidikan tertinggi Perguruan Tinggi dan bekerja sebagai pegawai. Hasil penelitian ini diharapkan dapat memberikan masukan bagi generasi X agar dapat terus meningkatkan self efficacy, internal locus of control, dan Financial Literacy sehingga dapat meningkatkan financial management behaviornya.  Ease of access using the internet to meet human needs can increase consumption. Generation X is the generation that knows computers. Generation X needs to have good financial management behavior so as not to cause financial problems. This study aimed to test empirically the factors that can be predictors of generation X financial management behavior. The data were collected using questionnaires electronically to generation X (born in 1961-1980). There were 579 respondents. Data were processed using the PLS–SEM approach. The results of the processing show that self-efficacy, internal locus of control, and financial literacy can be used as factors that can predict the financial management behavior of generation X in the city of Bandung Raya with the majority of research respondents who are male, the highest education is higher education and work as an employee. The results of this study are expected to provide input for generation X to improve self-efficacy, internal locus of control, and financial literacy to improve their financial management behavior.

scholarly journals Web-Based New Student Admission Information System Using Waterfall Method

SinkrOn ◽  
2022 ◽  
Vol 7 (1) ◽  
pp. 111-119
Author(s):  
Febri Aldi
Keyword(s):  
Information System ◽  
Elementary School ◽  
Service Providers ◽  
Public Access ◽  
Process Data ◽  
Registration Data ◽  
Education Service ◽  
Government Education ◽  
The Government ◽  
New Student

The current development of information technology on the activities of people's daily lives is very influential. Where in doing an activity that takes a lot of time can be shortened to complete it. One of the things that we can see at this time is in the field of education. Education service technology is feasible if the government, education service providers, and the community all work together. The problem is how to build information system technology that can provide educational service processes without intervening in existing operational standards. The New Student Admissions Information System is a website-based platform designed to enable public access to information about schools and the new student registration process. The waterfall approach was used to construct this information system, together with the PHP programming language, the Codeigniter 3 framework, the MVC pattern, and the MySQL database. The results obtained in the form of a new student admission information system website that provides services related to registration, and processing of registration data by the school administration. With this research, it is expected to facilitate new student admission officers at Al Azhar Islamic Elementary School 32 Padang to process data well, and help parents to register their children as new students at Al Azhar Islamic Elementary School 32 Padang.

Good Governance, Komitmen Profesional dan Akuntabilitas Layanan Publik, Locus of Control Sebagai Intervening

2015 ◽  
Vol 2 (01) ◽  
pp. 78-88
Author(s):  
Iro Jationo ◽  
Widarto Rachbini
Keyword(s):  
Locus Of Control ◽  
Public Service ◽  
Good Governance ◽  
Control Variable ◽  
Jel Classification ◽  
City Government ◽  
Professional Commitment ◽  
Goods And Services ◽  
The Government ◽  
Service Procurement

A B S T R A C T This research aims to empirically examine the relationship between good governance and professional commitment to accountability of public service procurement of goods/services through the government’s locus of control as an intervening variable. The population in this research are all service personnel procurement of goods/services certified government spread across 42 SKPDs (working units) in Tangerang City Government which is responsible for the procurement of goods/services of the government, as many as 70 people. In this research, variables used consisted of the dependent variable accountability of public service procurement of goods/services of the government while the independent variable is good governance and professional commitment, and locus of control variable as an intervening variable. The results showed that the governance and professional commitments do not affect the accountability. locus of control significantly influence accountability. In this study, locus of control is not a variable pemediasi on accountability procurement of goods and services. A B S T R A K Penelitian ini bertujuan untuk menguji secara empiris hubungan antara tata kelola yang baik dan komitmen profesional terhadap akuntabilitas pengadaan pelayanan publik barang/jasa melalui locus of control pemerintahan sebagai variabel intervening. Populasi dalam penelitian ini adalah seluruh tenaga pelayanan pengadaan barang/jasa pemerintah bersertifikat yang tersebar di 42 SKPD (satuan kerja) di Pemerintah Kota Tangerang yang bertanggung jawab untuk pengadaan barang/jasa pemerintah, sebanyak 70 orang. Pada penelitian ini, variabel yang digunakan terdiri dari akuntabilitas pengadaan pelayanan publik barang/jasa pemerintah sebagai variabel dependen sedangkan variabel independen adalah tata kelola yang baik dan komitmen profesional, dan locus of control sebagai variabel intervening. Hasil penelitian menunjukkan bahwa tata kelola pemerintah dan komitmen profesional tidak berpengaruh terhadap akuntabilitas. Locus of control berpengaruh signifikan terhadap akuntabilitas. Pada penelitian ini, locus of control bukan merupakan variabel pemediasi pada akuntabilitas pengadaan barang dan jasa. JEL Classification: H53

scholarly journals Improving Financial Literacy in Facing the Era of Society 5.0

2021 ◽  
Vol 3 (2) ◽  
pp. 150
Author(s):  
Nurlaili Nurlaili ◽  
Muhammad Faqih ◽  
Muhammad Faqih ◽  
Muhammad Hasan Basri ◽  
Kiki Dwi Larasati
Keyword(s):  
Financial Literacy ◽  
Research Method ◽  
Service Providers ◽  
Financial Service ◽  
Related Information ◽  
Library Research ◽  
Public Media ◽  
The Government ◽  
Mandatory Policy

Industrial era 4.0 presents the development of digitalization that continues to grow, such as digitizing payment transactions, namely e-wallet. However, there are shortcomings that can be corrected to face society 5.0 in Indonesia and also the balance between financial literacy and e-wallet users who are growing so that there is no consumptive society and fraud. The purpose of this paper is to provide suggestions or recommendations for the government and stakeholders to carry out policies to increase the level of financial literacy in Indonesia, this research method is library research by collecting related information and data from various valid sources. The results of this paper provide suggestions for the government to actively campaign for financial literacy in various public media, provide a mandatory policy to provide education to financial service providers, and as university academics or educators provide a curriculum on financial literacy. So that when Indonesia enters the era of society 5.0, it is ready in terms of digitizing payment transactions and literacy.

scholarly journals Good Governance, Komitmen Profesional dan Akuntabilitas Layanan Publik, Locus of Control Sebagai Intervening

2015 ◽  
Vol 2 (01) ◽  
pp. 78-88
Author(s):  
Iro Jationo ◽  
Widarto Rachbini
Keyword(s):  
Locus Of Control ◽  
Public Service ◽  
Good Governance ◽  
Control Variable ◽  
Jel Classification ◽  
City Government ◽  
Professional Commitment ◽  
Goods And Services ◽  
The Government ◽  
Service Procurement

A B S T R A C T This research aims to empirically examine the relationship between good governance and professional commitment to accountability of public service procurement of goods/services through the government’s locus of control as an intervening variable. The population in this research are all service personnel procurement of goods/services certified government spread across 42 SKPDs (working units) in Tangerang City Government which is responsible for the procurement of goods/services of the government, as many as 70 people. In this research, variables used consisted of the dependent variable accountability of public service procurement of goods/services of the government while the independent variable is good governance and professional commitment, and locus of control variable as an intervening variable. The results showed that the governance and professional commitments do not affect the accountability. locus of control significantly influence accountability. In this study, locus of control is not a variable pemediasi on accountability procurement of goods and services. A B S T R A K Penelitian ini bertujuan untuk menguji secara empiris hubungan antara tata kelola yang baik dan komitmen profesional terhadap akuntabilitas pengadaan pelayanan publik barang/jasa melalui locus of control pemerintahan sebagai variabel intervening. Populasi dalam penelitian ini adalah seluruh tenaga pelayanan pengadaan barang/jasa pemerintah bersertifikat yang tersebar di 42 SKPD (satuan kerja) di Pemerintah Kota Tangerang yang bertanggung jawab untuk pengadaan barang/jasa pemerintah, sebanyak 70 orang. Pada penelitian ini, variabel yang digunakan terdiri dari akuntabilitas pengadaan pelayanan publik barang/jasa pemerintah sebagai variabel dependen sedangkan variabel independen adalah tata kelola yang baik dan komitmen profesional, dan locus of control sebagai variabel intervening. Hasil penelitian menunjukkan bahwa tata kelola pemerintah dan komitmen profesional tidak berpengaruh terhadap akuntabilitas. Locus of control berpengaruh signifikan terhadap akuntabilitas. Pada penelitian ini, locus of control bukan merupakan variabel pemediasi pada akuntabilitas pengadaan barang dan jasa. JEL Classification: H53

scholarly journals Faktor-Faktor Yang Mempengaruhi Pengambilan Keputusan Investasi Saham

2020 ◽  
Vol 25 (2) ◽  
pp. 251
Author(s):  
Nyoman Suprasta, Nuryasman MN
Keyword(s):  
Decision Making ◽  
Locus Of Control ◽  
Financial Literacy ◽  
Investment Decision ◽  
Negative Relationship ◽  
Investment Decisions ◽  
Future Research ◽  
Individual Investors ◽  
Policy Makers ◽  
Investment Decision Making

: Investment decision making is a complex process that includes analysis of several factors and follows various steps. The purpose of this study is to identify factors that influence investment decision making among potential individual investors in Indonesia. Four behavioral factors can influence investment decision making, namely Financial literacy, financial experience, locus of control and experience regret A set of questionnaires were distributed to 420 individual stock investors to measure their investment decisions. The results of this study indicate that financial literacy, locus of control, and financial experience have a positive relationship with their investment decisions, while the Regret experience has a negative relationship with their investment decisions. This study provides information that can help guide future research and help formulate policy-makers as well as educate on the factors that can influence investors' decisions.

scholarly journals CABARAN DAN ALTERNATIF PENYELESAIAN BAGI PENYEDIA PERKHIDMATAN AR-RAHNU DI MALAYSIA (CHALLENGES AND SOLUTIONS FOR AR-RAHNU SERVICE PROVIDERS IN MALAYSIA)

2018 ◽  
Vol 5 (1) ◽  
Author(s):  
ASIAH Alkharib Shah ◽  
Salmy Edawati Yaacob
Keyword(s):  
Financial Institutions ◽  
Service Providers ◽  
Industry Growth ◽  
Financial Factors ◽  
Industry Level ◽  
Strategic Initiatives ◽  
Significant Difference ◽  
The Government ◽  
Alternative Solutions

The development of Ar Rahnu in Malaysia has triggered a positive phenomenon that has opened the eyes of more industries among financial institutions and non-financial institutions to create this scheme. However, the achievement of each Ar-Rahnu service providers showed a significant different. This significant difference due to the characters and challenges faced by each service providers. Hence, the characters and challenges faced by each operator need to be identified and handled appropriately to ensure the Ar-Rahnu industry growth progressively and effectively. The purpose of this study is to identify the challenges faced by the four categories of Ar-Rahnu agencies in Malaysia representing financial institutions, cooperatives, companies and state-link companies. Therefore, an approach suggested by this paper can be taken at the industry level and the government to overcome the challenges. Accordingly, semi-structural interviews were used through a multi-case study on six agencies comprising Ar-Rahnu service providers. The findings show that most of the challenges faced by industry level are influenced by the size of institution, governance and financial factors. Hence, alternative solutions to the constraints faced need a strategic initiatives between industries and government.

scholarly journals IMPACT OF FINANCIAL LITERACY ON INVESTMENT DECISIONS IN KACHCHH REGION OF GUJARAT STATE - A REVIEW OF LITERATURE

2019 ◽  
pp. 1-4
Author(s):  
Tarun K. Chowdhary ◽  
P. R. Patel
Keyword(s):  
Financial Literacy ◽  
Research Work ◽  
Investment Decisions ◽  
Well Being ◽  
Economic Security ◽  
Young Population ◽  
Review Of Literature ◽  
Gujarat State ◽  
The World ◽  
The Government

Today in the competitive nancial market, it is necessary that people should be nancially literate. The economy of our country is facing one such problem that is nancial literacy which is a major challenge faced by all the countries globally. Financial Literacy is the mix of one's knowledge, skill, ability and attitude towards nancial matters. Therefore, the need for nancial literacy has become inevitable. Ÿ Research from around the world reports inadequate Financial Literacy which raises serious concerns about the ability of individuals to secure their nancial well-being. Ÿ Country like India which has young population, the government is in a position to increase the level of nancial literacy through nancial education programs and launching of new programs. Ÿ Financial literacy goes beyond the provision of nancial information and advice. It is the ability to know, monitor, and effectively use nancial resources to enhance the well-being and economic security of an individual, his family, and his business. Ÿ This present research work is carried on with the objective to study the nancial literacy of individuals and its impact on investment decisions in Kachchh Region of Guajarat State

Agro-Innovation – Path to Agricultural Entrepreneurship: Feasibility Study

2019 ◽  
Vol 5 (1) ◽  
pp. 63
Author(s):  
Elias Kamaruzzaman ◽  
Norzaidi Mohd Daud ◽  
Samsudin Wahab ◽  
Rozhan Abu Dardak
Keyword(s):  
Migrant Workers ◽  
Production Cost ◽  
Swot Analysis ◽  
Service Providers ◽  
Secondary Data ◽  
Financial Cost ◽  
Technology Changes ◽  
Property Owners ◽  
The Government ◽  
Agricultural Entrepreneurship

Technology changes will always be for the better, not only to the end users but also to the intellectual property owners of the technology and the implementers of the technology. The objective of this paper is to study the feasibility and viability for entrepreneurs to become service providers for the dispensation of fertilizers, pesticides, fungicides and supporting services such as aerial crop reconnaissance using Unmanned Aerial Vehicles (UAV) or drones. The methodology used for this study is SWOT Analysis. Both primary and secondary data is used for this analysis. This study finds that paddy farming employing drones is feasible. The beneficiaries of this study shall be the government, by way of lowering financial cost to subsidise the paddy planting, the farmers who no longer need the services of migrant workers, thus saving production cost, and finally the drone service providers and their downstream business associates who can engaged themselves in very lucrative businesses.

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