scholarly journals Tingkat Islamic Financial Literacy dan Penggunaan Fintech Terhadap Financial Inclusion UMKM Kawasan Pondok Pesantren di Kota Jombang

2020 ◽  
Vol 5 (2) ◽  
pp. 127
Author(s):  
Lik - Anah
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Boarding School ◽  
Multiple Linear Regression Analysis ◽  
Financial Inclusion ◽  
Banking Services ◽  
Financial Transactions

The UMKM in Islamic Boarding School area continue to experience an increase in financial transactions in line with the increase in banking financial services, especially Islamic banking financial services, for example: BPRS, Syariah Bank, BMT and Micro Waqf Banks which are located around the area. The purpose of this study is to find out the level of Islamic financial literacy and the use of Fintech of UMKM in the Islamic boarding school area in Jombang. This is based on the data that the number of research is included in associative research with purposive sampling technique of all UMKM which are located in the Islamic boarding school area in Jombang, with the criteria of UMKM which have used Fintech services and banking services as the requirement in the area of financial inclusion. The method used in this research is multiple linear regression analysis which is strengthened by qualitative analysis to find out the quality of financial inclusion. The results showed that Islamic financial literacy has a positive and significant effect on financial inclusion. The use of Fintech has a positive and significant effect on UMKM financial inclusion. Islamic financial literacy and the use of Fintech have a positive and significant effect on the financial inclusion of UMKM in the Islamic boarding school area in Jombang city.

Determinants of Financial Inclusion in Namobuddha Municipality, Nepal

2021 ◽  
Vol 5 (1) ◽  
pp. 60-74
Author(s):  
Jeetendra Dangol ◽  
Anil Humagain
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Control Variable ◽  
Financial Innovation ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Gender Education ◽  
And Control ◽  
Moderating Role

Financial inclusion is a priority agenda in countries like Nepal. The study seeks to determine the access to financial services, financial innovation and quality of financial services to the financial inclusion.The study is based on questionnaire surveydata with363 household respondents using a convenient sampling technique, and carried out in Namobuddha Municipality of Nepal. The moderating effect of financial literacy and control variable of demographic items have been analysed using generalised regression model. The results show that financial innovation and quality of financial services are the significant determinants of financial inclusion; financial literacy is found significant and it plays a moderating role between the variables under study. The findings revealed that the tendency of higher level of financial inclusion was influenced by gender, education level and monthly income.

scholarly journals The Effect of Financial Literacy and Financial Technology on Student Financial Inclusion of Institute of Social Sciences and Management Stiami Jakarta Bekasi Campus

2020 ◽  
Vol 2 (1) ◽  
pp. 16-27
Author(s):  
Ismi Amalia Romadhon ◽  
Heksawan Rahmadi
Keyword(s):  
Social Sciences ◽  
Financial Literacy ◽  
Financial Services ◽  
Hypothesis Test ◽  
Linear Regression Analysis ◽  
Simple Random Sampling ◽  
Multiple Linear Regression Analysis ◽  
Financial Inclusion ◽  
Test Reliability ◽  
Financial Technology

Financial inclusion is a situation where everyone has access to quality financial services at an affordable cost and a fun way. This research aims to find out the influence of literacy on financial inclusion, to know the influence of financial technolgy on financial inclusion on students of Institute of Social Sciences and Management STIAMI Jakarta Bekasi Campus. The population of this study was a student employee of STIAMI Institute of Social Sciences and Management Jakarta Bekasi Campus and was assigned a sample of 47 respondents, with the method of Simple Random Sampling. The study used questionnaire data collection techniques. Technical analysis of the data used is validity test, reliability, classic assumption, multiple linear, Correlation Coefficient, determination coefficient and hypothesis test. The results of the study based on the t test analysis showed that the financial literacy variable (X1) with a calculated t value of 0.607 > t table 2.01537 or signification 0.547 > 0.05 and variable financial technology (X2) with a calculated value of 3.895 > t table 2.01537 or signification of 0.000 < 0.05, it is said that only financial technology variables (X2) have a significant effect on financial inclusion variables (Y). While the F test results show that independent variables (price and product quality) have a simultaneous influence on dependent variables (purchasing decisions) with a value of F count 10,476 > F table 3.20 or signification of 0.000 < 0.05.. so Ho was rejected and Ha accepted. Based on multiple linear regression analysis the model or equation is Y = 64,392 + 0.095 (X1) + 1,140 (X2).

scholarly journals Kualitas Mobile Banking Terhadap Kepuasan Nasabah Bank BRI (Studi Pada Pengguna BRI Mobile di Kota Depok)

2020 ◽  
Vol 7 (1) ◽  
pp. 24-31
Author(s):  
Ratnawaty Marginingsih
Keyword(s):  
Customer Satisfaction ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Mobile Banking ◽  
Banking Efficiency ◽  
Banking Services ◽  
Descriptive Research ◽  
Utilization Of Technology ◽  
Financial Transactions

Abstract  - The utilization of technology in the banking industry such as mobile banking or often referred to as m-banking provides convenience in financial transactions. There are services on mobile banking, covering payments transfer, history, and others.The use of mobile banking services in cell phones allow that customers can more easily to run their banking activities indefinitely space and time.This study aims to determine the effect of the quality of mobile banking services on BRI Bank customer satisfaction in the city of Depok. A total of 100 respondents were surveyed online using the convenience sampling method. The form of research used is descriptive research with a quantitative approach. The data is processed using multiple linear regression analysis. The results of this study are obtained partially and simultaneously the quality of service using the variables reliability and responsiveness, assurance and security, convenience in banking, mobile banking efficiency and easy to use on customer satisfaction to obtain positive and significant results. This shows that good service is one of the keys to the success of an organization Keywords : Service Quality, Customer Satisfaction, Mobile Banking

PENGARUH MOTIVASI DAN LITERASI KEUANGAN TERHADAP MINAT BERINVESTASI DI PASAR MODAL

2017 ◽  
Vol 18 (2) ◽  
pp. 290-301
Author(s):  
Yois Shofwa S
Keyword(s):  
Capital Market ◽  
Financial Literacy ◽  
Financial Services ◽  
Capital Investment ◽  
Stock Exchange ◽  
Public Investment ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Financial Inclusion ◽  
F Test

Abstract: The economic development causes everyone to have the ability to manage their financial assets. OJK survey results concluded that the lower social strata the lower the level of literacy. Thus the Financial Services Authority (OJK) with the Financial Services Industry (IJK) will continue to encourage and implement literacy programs and financial inclusion to target the financial inclusion index. One of the most targeted groups of society is the academics in both schools and universities. In 2016, Indonesia Stock Exchange (IDX) Yogyakarta Branch is moving to increase public investment in capital market by preceded by financial literacy program. In cooperation with OJK and several Capital Investment Companies held socialization at several universities in Central Java and Yogyakarta. The activity was followed up by OJK Purwokerto at gebyar syariah event to increase Banyumas community investment interest. At the event, Banyumas district won two records from the World Record Museum of Indonesia or MURI. The record is the Creation of Shariah Fund Investors Category of Public Society of 5,546 people and the Shariah Investor Generation in the highest one as many as 2,000 people. The university that obtained the MURI record is Muhammadiyah University of Purwokerto. The purpose of this research is to know whether there is any influence of financial literacy and motivation to investment interest in capital market. The method of analysis used in this study is Multiple Linear Regression Analysis with hypothesis testing using t test and F test. The result when connected with the results of F test found that the variables of financial and motivation simultaneously or together influence the investment interest. Keywords : motivation, financial literacy, capital market  

scholarly journals PENGARUH LITERASI KEUANGAN, PENDAPATAN SERTA MASA BEKERJA TERHADAP PERILAKU KEPUTUSAN INVESTASI

2018 ◽  
pp. 1867 ◽  
Author(s):  
IGA MERTHA DEWI ◽  
Ida Bagus Anom Purbawangsa
Keyword(s):  
Financial Literacy ◽  
Investment Decision ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Decision Behavior ◽  
Financial Conditions ◽  
New Employee ◽  
Long Time ◽  
Positive Effect

Research respondents are employees of PT Bank Pembangunan Daerah Bali Branch Renon with a sample of 76 people. Sampling technique in this research use random sampling. Data were analyzed by using Multiple Linear Regression Analysis. The result of this indicate that financial literacy, income has a positive effect on investment decision behavior, but the work period positively has no effect on investment decision behavior. This is because in the banking industry, the entire new employee and who have been working long time get the training and obtain informations about financial developments and financial conditions that occur at this time. In the other words the undertanding of financial literacy and employee behavior is almost the same. Based on the results of statistical data, financial literacy variables have the most influence in determining the behavior of investment decisions compared to income. This explains that a good understanding of finance is a major factor in determining an invesment decisions.

scholarly journals The Effect of Financial Literacy and Financial Inclusion on Retirement Planning

2019 ◽  
Vol 1 (1) ◽  
pp. 49-58
Author(s):  
Rahmat Aryo Baskoro ◽  
◽  
Rensi Aulia ◽  
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Literacy ◽  
Quantitative Method ◽  
Linear Regression Analysis ◽  
Retirement Planning ◽  
Multiple Linear Regression Analysis ◽  
Financial Inclusion ◽  
Monthly Income

This study aims to determine the effect of financial literacy and financial inclusion on retirement planning. This study used a quantitative method with 236 respondents and processed by the method of multiple linear regression analysis. The results of the study show that financial literacy and financial inclusion have a significant effect on retirement planning, means that the higher financial literacy and financial inclusion of a person, the better their retirement planning. In addition, the results of the study showed that respondents were dominated by moderate financial literacy levels with a percentage of 55.08%, moderate financial inclusion levels with a percentage of 57.20% and high retirement planning levels with presentations of 52.54% of the total respondents. Researchers also conduct additional research by choosing one of the demographic factors, which is monthly income. The results that monthly earnings also influence retirement planning where the higher a person's monthly income, the better their retirement planning.

scholarly journals DETERMINAN KEPATUHAN WAJIB PAJAK KENDARAAN BERMOTOR DI KOTA SEMARANG

2020 ◽  
Vol 11 (2) ◽  
pp. 190-196
Author(s):  
Retno Astuti Ningrum ◽  
Amir Hidayatulloh
Keyword(s):  
Quantitative Research ◽  
Motor Vehicle ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Analysis Techniques ◽  
Convenience Sampling ◽  
Tax Corruption ◽  
The City

This type of research is quantitative research. The population in this research is a motor vehicle taxpayer. Meanwhile, the sample in this study is a motor vehicle taxpayer in the city of Semarang. The sampling technique in this research used convience sampling. Respondents in this research amounted to 100 respondents. Data collection techniques in research using questionnaires given directly to respondents. Respondents in this study were dominated by male (58 respondents). Whereas female respondents amounted 42 respondents. The analysis techniques in this research used multiple linear regression analysis, with SPSS tools. This study obtained results that perseptions of tax corruption and service quality of tax officers affect taxpayer compliance. Jenis penelitian ini adalah penelitian kuantitatif. Populasi dalam penelitian adalah wajib pajak kendaraan bermotor. Sedangkan, sampel dalam penelitian ini adalah wajib pajak kendaraan bermotor yang berada di Kota Semarang. Teknik pengambilan sampel dalam penelitian ini menggunakan convenience sampling. Responden dalam penelitian ini berjumlah 100 responden. Teknik pengumpulan data dalam penelitian menggunakan kuesioner yang diberikan langsung kepada responden. Responden dalam penelitian ini didominasi oleh laki-laki (58 responden). Sedangkan responden berjenis kelamin perempuan berjumlah 42 responden. Teknik analisis dalam penelitian ini menggunakan analisis regresi linear berganda, dengan alat SPSS. Penelitian ini memperoleh hasil bahwa persepsi korupsi pajak dan kualitas pelayanan petugas pajak berpengaruh terhadap kepatuhan wajib pajak.

scholarly journals EFFECT OF FINANCIAL LITERACY AND RISK PERCEPTION ON STUDENT INVESTMENT DECISIONS IN JAKARTA

2019 ◽  
Vol 3 (2) ◽  
pp. 107-132
Author(s):  
Rizky Eko Harry Saputro ◽  
Diyan Lestari
Keyword(s):  
Risk Perception ◽  
Financial Literacy ◽  
Sampling Method ◽  
Investment Decision ◽  
Linear Regression Analysis ◽  
Investment Decisions ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
T Test ◽  
Test Result

This study aims to determine the effect of financial literacy and risk perception on student investment decisions in Jakarta. This study used a quantitative approach through questionnaires with as many as 120 respondents taken as sample which is obtained by using non-probability sampling technique and purposive sampling method. The research data is processed with SPSS, where the hypothesis is analyzed using t-test and multiple linear regression analysis. The results of this study indicate that financial literacy variable have a significant effect on investment decision, based on the t-test result which shows that t-count is higher in comparison to ttable (8,433>1,98045). Similarly, the risk perception variable have a significant effect on investment decision, which is shown by the higher tcount compared to t-table (2,319>1,98045).

scholarly journals ANALISIS WILLINGNESS TO PAY DAN PENGARUH VARIABEL PENDAPATAN, JUMLAH TANGGUNGAN RUMAH TANGGA, USIA, AKSES KE SEKOLAH TERHADAP PEMILIHAN SERTA PENGEMBANGAN STRATEGI PENGELOLAAN SEKOLAH

2021 ◽  
Vol 6 (1) ◽  
pp. 77-88
Author(s):  
Christina Utami ◽  
Metta Padmalia
Keyword(s):  
Willingness To Pay ◽  
Contingent Valuation Method ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
User Fees ◽  
Snowball Sampling ◽  
Valuation Method ◽  
The Government

The purpose of this study is to estimate and analyze the willingness to pay  and fax tor the factors that affect the willingness to pay at High School in the of Semarang. The method used is Contingent Valuation Method (CVM) and multiple linear regression analysis. The number of samples in this study were 238 respondents, the sampling technique was done by snowball sampling. The results of this study indicate that the average willingness to pay (WTP) of households in High Schools in Semarang is Rp.559.034,00. Factors that have a significant influence on WTP values are income variables, number of household dependents, age and length of access. Whereas the factors that have no effect on willingness to pay (WTP) are parents' education variables. Based on the results of the study, the suggestions that can be put forward are the management or the government to improve the quality of the Vocational School as well as the development of a transparency policy on the collection and allocation of user fees and other resources.

scholarly journals THE INFLUENCE OF THE COMPETENCY, INDEPENDENCY, AND PROFESION ETHIC TO QUALITY OF AUDIT RESULT (The Case Study on Inspectorate General of Agriculture Republic of Indonesia)

2020 ◽  
Vol 3 (2) ◽  
pp. 167-178
Author(s):  
Imam Susanto
Keyword(s):  
Significant Influence ◽  
Professional Ethics ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Multiple Linear Regression Analysis ◽  
Auditor Independence ◽  
Audit Result ◽  
The Republic

The purpose of this study is to examine and analyze the extent to which the influence of Auditor Competence, Auditor Independence and Professional Ethics on the Quality of Audit Results. The research was done by quantitative approach. The population in this study is all auditors and prospective auditors at the Inspectorate General of the Ministry of Agriculture of the Republic of Indonesia amounted to 160 people. Sampling technique is done by simple random sampling with the number of samples of the study amounted to 115 respondents Data analysis techniques in this study using multiple linear regression analysis. The result of the research shows that there is no significant influence between the auditor's competence with the quality of the audit result and there is no significant influence between the auditor independence and the quality of the audit result. While professional ethics significantly influence the quality of audit results. Together the competence, independence and professional ethics affect the quality of audit results. For further research is expected to use a questionnaire with a wider coverage and expected to use more variables that affect the quality of audit results.

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