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

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).

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Antecedents Effect of Financial Inclusion for the People of North Sumatera

Budapest International Research and Critics Institute (BIRCI-Journal) Humanities and Social Sciences ◽

10.33258/birci.v2i4.602 ◽

2019 ◽

Vol 2 (4) ◽

pp. 401-408

Author(s):

Adelina Lubis ◽

Ritha Dalimunthe ◽

Chandra Situmeang

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Multiple Linear Regression ◽

Financial Literacy ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Financial Inclusion ◽

The People ◽

North Sumatra ◽

Financial Technology

This study aims to determine the effect of financial literacy and financial technology (fintech) partially influencing financial inclusion in the people of North Sumatra, then to determine the effect of financial literacy and financial technology (fintech) simultaneously influencing financial inclusion in the people of North Sumatra. The research samples are 100 respondents. The method of analysis in this study is multiple linear regression analysis. The results of the regression analysis partially show financial literacy and financial technology have a positive and significant effect on financial inclusion in the people of North Sumatra. Simultaneously financial literacy and financial technology affect financial inclusion in society North Sumatra. The most dominant variable affecting financial inclusion is financial literacy.

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

Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah ◽

10.29300/ba.v5i2.3551 ◽

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.

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PENGARUH MOTIVASI DAN LITERASI KEUANGAN TERHADAP MINAT BERINVESTASI DI PASAR MODAL

Jurnal Penelitian Agama ◽

10.24090/jpa.v18i2.2017.pp290-301 ◽

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

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The Effect of Financial Literacy and Financial Inclusion on Retirement Planning

International Journal of Business Economics (IJBE) ◽

10.30596/ijbe.v1i1.3442 ◽

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.

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Analisis Keterlibatan Fashion dan Gaya Hidup Berbelanja terhadap Pembelian Impulsif pada Distro Platt Mars Cabang Kota Sukabumi

Journal of Management and Bussines (JOMB) ◽

10.31539/jomb.v1i2.636 ◽

2019 ◽

Vol 1 (2) ◽

pp. 310-320

Author(s):

Rayyisa Nurul Haq ◽

Acep Samsudin ◽

Faizal Mulia Z

Keyword(s):

Linear Regression Analysis ◽

Strong Relationship ◽

Simple Random Sampling ◽

Multiple Linear Regression Analysis ◽

Multiple Correlation Coefficient ◽

Test Reliability ◽

Coefficient Of Determination ◽

Multiple Correlation ◽

F Test ◽

Fashion Involvement

The purpose of this study was to analyze the effect of fashion and lifestyle involvement on impulsive purchases of distro platt mars. The method in this study uses a type of probability sampling, including simple random sampling. The analysis technique used is the validity test, reliability test, multiple linear regression analysis including the coefficient of determination test, multiple correlation coefficients, and testing the hypothesis using the test simultaneously (F test). The results of the test of the coefficient of determination seen from the value (Adjusted R2) of 0.325 can be interpreted that the influence of Fashion Involvement and Shopping Lifestyle on Impulsive Purchases is 32.5%. The remaining 67.5% is influenced by other factors outside this study. Based on the multiple correlation coefficient test seen from the R value of 0.582 shows that there is a strong relationship between fashion involvement and shopping lifestyle with impulsive purchases. Based on the F test the probability value sig. 0,000 <0.05. Conclusions, together with Fashion Involvement (X1) and Shopping Lifestyle (X2) significantly influence Impulsive Purchase (Y). Keywords: Fashion Involvement, Shopping Lifestyle, Impulsive Purchasing

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Financial Technology (Fin-Tech): Revolutionizing the Indian Agrarian Sector

International Journal of Innovative Technology and Exploring Engineering - Special Issue ◽

10.35940/ijitee.l1001.10812s319 ◽

2020 ◽

Vol 8 (12s3) ◽

pp. 1-8

Keyword(s):

Financial Literacy ◽

Financial Services ◽

Risk Sharing ◽

Financial Inclusion ◽

Indian Government ◽

Agricultural Finance ◽

Agricultural Growth ◽

Two Factors ◽

Financial Technology

Agriculture is the largest employer of India which constitutes 50% of its workforce and also a contributor to 17-18% in its GDP. Still, it is one of the most disorganized and disjointed sector.Somewhere this sector has not been given due attention and itcan be proven with the fact that the GDP contribution of this sector has fallen from 43% to 18% (1970- 2018).Though the Indian Government is digitally driving to provide financial inclusion to more than 145 million households that are not having access to banking services but still the farmers aremajorlyusing traditional credit for their basic and main two factors; Production & Consumption (Distribution). The financial segment has an important role to make agriculture aprime contributorto the economic growth of the country and also in reducing poverty. A fast-evolving technological landscape is bringing up new potential to focus&provide credit, risk-sharing, and to explore technology to enhance agricultural productivity. Our paper firstly examines agricultural finance in the Indian context and then discusses how financial technology (Fin-Tech) can drive new products in credit and risk markets in India. We evaluate the role of mobile banking, financial literacy, digital financial services, digital financial technology, and block-chain technology. The paper is concluded with a discussion of policy takeaways for Fin-Tech in agriculture to promote agricultural growth, enhance financial inclusion, and improve regional economic integration through agriculture.

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The Effect of Service Quality, Brand Image and Word of Mouth Communication towards the Continuing Study Interest

Webology ◽

10.14704/web/v17i2/web17017 ◽

2020 ◽

Vol 17 (2) ◽

pp. 73-87

Author(s):

Andri an ◽

Supa rdi ◽

Jumaw an ◽

Had ita ◽

Christophorus Indra Wahyu Putra

Keyword(s):

Linear Regression ◽

Service Quality ◽

Multiple Linear Regression ◽

Word Of Mouth ◽

Brand Image ◽

Hypothesis Test ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Test Reliability ◽

Word Of Mouth Communication

This study aims to determine the extent of the relationship between service quality, brand image and word of mouth communication to the interest in continuing study in management department Faculty of Economics, Universitas Bhayangkara Jakarta Raya. The research methodology used is descriptive quantitative research and multiple linear regression analysis. The data obtained from those management students especially the class of 2018 and 2019, then processed using SPSS version 22 which includes several tests like, Validity Test, Reliability Test, Normality Test, Multicollinearity Test, Heteroscedasticity Test, Multiple Linear Regression Test, Hypothesis Test (t test and F test) and Determination Coefficient Test (r2). Based on the research results obtained that Service Quality (X1) and Brand Image (X2) variables have a negative and insignificant effect on Interest on Continuing Study (Y), but the other variable of Word of Mouth Communication (X3) has a positive and significant effect on Interest on Continuing Study (Y) variable.

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Peran Baitul Maal Wat Tamwil (BMT) Husnayain Terhadap Perkembangan Usaha Mikro Kecil dan dan Menengah

Al-Urban Jurnal Ekonomi Syariah dan Filantropi Islam ◽

10.22236/alurban_vol1/is1pp68-88 ◽

2017 ◽

Vol 1 (1) ◽

pp. 68-89

Author(s):

Sumardi Sumardi ◽

Zulpahmi Zulpahmi

Keyword(s):

Small And Medium Enterprises ◽

Hypothesis Test ◽

Survey Methods ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Test Reliability ◽

Coefficient Of Determination ◽

Significance Level ◽

Medium Enterprises ◽

Positive Effect

This study aims to determine the role of Baitul Maal Wat Tamwil (BMT) Husnayain Against the Development of Micro Small and Medium Enterprises (UMKM). In the study used survey methods by taking samples from the population. The sample in this research is Baitul Maal Wat Tamwil (BMT) Husnayain customer, with 65 respondents. Data processing techniques and data analysis used are validity test, reliability test, classical assumption test, multiple linear regression analysis, hypothesis test, and coefficient of determination. ttabel sebesar 1,998 dan signifikansi sebesar 0,004 < 0,05, sedangkan pembiayaan murabahah berpengaruh positif terhadap perkembangan usaha mikro">Based on the results of the discussion of al-qardhul al-hasan financing has a positive effect on the development of micro, small and medium enterprises small and medium with a tcount of 2,962> ttable of 1.998 and significance of 0.004 <0.05, while murabahah financing has a positive effect on the development of micro enterprises ttabel sebesar 1,998 dan signifikansi sebesar 0,046 < 0,05, dan pembiayaan mudharabah berpengaruh positif terhadap perkembangan usaha mikro, kecil dan menengah kecil dan menengah menunjukkan thitung sebesar 4,713 > ttabel sebesar 1,998 dan signifikansi">, Small and medium-sized small and medium enterprises shows t count of 2.195> ttable of 1.998 and significance of 0.046 <0.05, and mudharabah financing has a positive effect on the development of micro, small and medium enterprises small and medium scale shows tcount of 4.713> ttable of 1.998 and significance Ftabel 3,15 dan tingkat signifikansi sebesar 0,000 < 0,05 dengan demikian dapat dikatakan bahwa al-qardhul al-hasan, murabahah dan mudharabah secara bersama-sama berpengaruh signifikan terhadap perkembangan">0.000 <0.05, simultaneously that the value of Fcount 67,809> Ftable 3.15 and the significance level of 0.000 <0.05 thus it can be said that al-qardhul al-hasan, murabaha and mudaraba together significantly influence the development micro small and Medium Enterprises. Keywords; Financing of al-qardhul al-hasan; murabaha; mudaraba; and micro and small business (UMKM)

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PENGARUH TINGKAT KECUKUPAN MODAL DAN DANA PIHAK KETIGA TERHADAP PEMBIAYAAN BERBASIS BAGI HASIL

EkoPreneur ◽

10.32493/ekop.v1i2.5160 ◽

2020 ◽

Vol 1 (2) ◽

pp. 218

Author(s):

Riyan Bagus Kristada ◽

Ani Kusumaningsih

Keyword(s):

Financial Services ◽

Hypothesis Test ◽

Linear Regression Analysis ◽

Secondary Data ◽

Multiple Linear Regression Analysis ◽

Capital Adequacy ◽

Third Party ◽

Technical Data ◽

The Third ◽

The Third Party

The research examined influence of the level of capital adequacy and the third party funds to the profit based financing. This study uses Sharia Banks listed on the Financial Services Authority during the period 2013-2017 as the object of research. The research used quantitative. Source of data used is secondary data. Population of the research is Sharia Banks listed on the Financial Services Authority during the period 2013-2017. Determination of this research sample using purposive sampling method and obtained 5 Sharia Banks as samples. Technical data analysis used in this research is descriptive statistic test, classical assumption test, multiple linear regression analysis and hypothesis test using SPSS version 22. The research showed that: the level of capital adequacy has a significant positive to the profit based financing, the third party funds has a significant positive to the profit based financing. And also the level of capital adequacy and the third party funds has a significant effect to the profit based financing. Keywords: The Level of Capital Adequacy, Third Party Funds, The Profit Based Financing.

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