scholarly journals Pengaruh Literasi Keuangan dalam Model Prediksi Pilihan Karir Mahasiswa Perguruan Tinggi di Kota Pontianak

Eksos ◽  
2020 ◽  
Vol 16 (2) ◽  
pp. 118-132
Author(s):  
Arianto Arianto ◽  
Zulfikar Zulfikar ◽  
Tashadi Tarmizi
Keyword(s):  
Financial Literacy ◽  
Career Choices ◽  
Statistical Significance ◽  
Career Decisions ◽  
Logit Analysis ◽  
Education Students ◽  
Independent Variables ◽  
Self Employment ◽  
Financial Decision ◽  
Financial Transactions

This research begins with the assumption that financial decision making is based on an understanding of financial literacy. And indicators of independent career decisions (self-employment) are used to explain and prove the truth of these assumptions. This study models the predictions of student career choices by relating it to the financial literacy amongs higher education students in Pontianak . The descriptive quantitative method was chosen as the Research method. The results of the response are processed mathematically in predictive modeling (probit-logit model) of student career choices from their relationship with financial literacy and other additional variables. The probit-logit analysis of this model was carried out with the help of statistical software, namely SPSS. The output of the research model found that knowledge of cash flow (finlit1), entrepreneurial competency variables (entshp) and risk taking confidence variables (confid) had statistical significance (<0.05) as a variable that influenced the decision for self-employment. While the independent variables are demographic variables, none of them have statistical significance to be said to influence career decisions to become self-employed. Similarly had also been found in others  independent variables, which were "knowledge of asset types" (finlit2), "knowledge of insurance" (finlit3), "knowledge of investment types" (finlit4), and "knowledge of financial transactions" (finlit5).

Financial inclusion in the digital banking age: Lessons from rural India

2021 ◽  
pp. 1-22
Author(s):  
RAM A. CNAAN ◽  
MARQUISHA LAWRENCE SCOTT ◽  
H. DANIEL HEIST ◽  
M. S. MOODITHAYA
Keyword(s):  
Financial Literacy ◽  
Social Inclusion ◽  
Financial Inclusion ◽  
Rural India ◽  
Indian States ◽  
Banking Activity ◽  
Online Access ◽  
Digital Transactions ◽  
Financial Transactions

Abstract In the digital age, financial inclusion continues to be connected to social inclusion. While most personal financial transactions are shifting from cash currency to digital transactions, we must ensure that marginalized members of society are not unbanked and excluded from financial opportunities. Many countries are declaring their intention to transform to cashless societies. India is one such country. As a case study, we investigated rural Indian villages that declared themselves as cashless to assess the financial reality of villagers. We conducted a survey of households (N=3,159) within villages across seven Indian states. In each state, we studied a village that was officially declared cashless and a nearby comparison village. Our findings suggest that the comparison villages did as well as the cashless villages, as financial inclusion via digital banking was minimal to nonexistent. Alongside significant state variations, we found that financial literacy and online access were the best predictors of performing any digital banking activity. This study concludes with a warning against rushing toward digital banking and the formation of cashless societies, as marginalized populations may be excluded.

Pengaruh Literasi Keuangan Syariah, Islamic Branding, dan Religiusitas terhadap Keputusan Mahasiswa Dalam Menggunakan Jasa Perbankan Syariah

2021 ◽  
Vol 5 (2) ◽  
pp. 226-244
Author(s):  
Fajriah Salim ◽  
Suyudi Arif ◽  
Abrista Devi
Keyword(s):  
Financial Literacy ◽  
Research Method ◽  
Partial Least Square ◽  
Least Square ◽  
Islamic Banking ◽  
Analysis Tool ◽  
Islamic Banks ◽  
Banking Services ◽  
Independent Variables ◽  
Data Analysis Tool

This study aims to determine the effect of Islamic financial literacy, Islamic branding, and religiosity on student decisions in using Islamic banking services. The dependent variable in the study is student decisions, while the independent variables are Islamic financial literacy, Islamic branding, and religiosity. The data in this study were collected through questionnaires distributed to active FAI students class 2017-2018 who had transacted using Islamic banks. The research method used is quantitative. The population in this study are active students of FAI class 2017-2018 who have transacted using Islamic banks, with data collected totaling 100 respondents. The data analysis tool used in this study uses the Partial Least Square (PLS) approach. The results of this study indicate that there is a positive and significant influence of the Islamic financial literacy variable, Islamic branding on student decisions in using Islamic banking services, while the religiosity variable has a positive but not significant effect on student decisions in using Islamic banking services. Keywords: Using Islamic Banking Services, Islamic Financial Literacy, Islamic Branding, Religiosity, and Student Decisions

Consuming Selected Groups of Products Among Polish and Spanish Physical Education Students Within the Context of the Assumptions Proposed by the Mediterranean Diet

2020 ◽  
Vol 30 (92) ◽  
pp. 15-16
Author(s):  
Maria Gacek ◽  
Grażyna Kosiba ◽  
Agnieszka Wojtowicz ◽  
Jacek Szalewski
Keyword(s):  
Physical Education ◽  
Mediterranean Diet ◽  
Statistical Significance ◽  
Red Meat ◽  
Poultry Meat ◽  
Processed Meat ◽  
Education Students ◽  
Physical Education Students ◽  
Frequent Consumption ◽  
The Mediterranean

Introduction: Nutritional behaviour is determined by individual and environmental factors. Aim: The aim of the study was to analyse the frequency of consuming selected groups of food products within the context of the recommendations proposed by the Mediterranean diet model, depending on the country of residence: Polish vs. Spanish physical education students. Material and methods: Research was carried out among 219 Polish and 280 Spanish students, using the standardised Kom-PAN questionnaire. In the statistical analysis, the chi-square test was used, at the α=0.05 level of statistical significance. Results: Nutritional mistakes of the general population were related to the low frequency of consuming: fruit, vegetables, wholemeal bread and other whole grains, fermented dairy products and vegetable oils, and the relatively frequent consumption of red meat, processed meat products and confectionery. Among the Polish students, significantly more frequent consumption of some products recommended in the Mediterranean diet (fruit, vegetables and wholegrain cereal products) as well as poultry meat was noted, but also more frequent consumption of sweets and confectionery products (p<0.001). The Spanish students significantly more often consumed the recommended dishes with legume seeds and sea fish (p<0.001), but also non-recommended products - red meat and fast food (p<0.01). Conclusions: Among Polish and Spanish physical education students, the assumptions of the Mediterranean diet were implemented to a limit extent, while depending on the country of residence, their differentiation was demonstrated.

scholarly journals Financial Literacy and Self‐Employment

2018 ◽  
Vol 53 (2) ◽  
pp. 455-487 ◽  
Author(s):  
Aida Ćumurović ◽  
Walter Hyll
Keyword(s):  
Financial Literacy ◽  
Self Employment

Effective Financial Decision Aids for Retirement

2017 ◽  
Vol 49 (2) ◽  
pp. 102-118
Author(s):  
Susan L. Rose ◽  
John E. Morrison
Keyword(s):  
Financial Literacy ◽  
Decision Aid ◽  
Financial Training ◽  
Decision Aids ◽  
Armed Forces ◽  
Fiscal Year ◽  
National Defense ◽  
Review Of The Literature ◽  
Literacy Training ◽  
Financial Decision

The National Defense Authorization Act for Fiscal Year 2016 directs the Secretaries of the Armed Forces and the Chiefs of Staff of the Armed Forces to provide financial literacy training to Service members at certain critical points throughout their careers, including the transition to retirement. Based on a review of the literature, we find that general financial training is ineffective. More effective are decision aids that provide assistance at the time the decision is being made. This article provides a discussion of what such a decision aid would entail.

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 Financial Literacy Learning for Primary Education

2021 ◽  
Author(s):  
Adib Rifqi Setiawan ◽  
Wahyu Eka Saputri
Keyword(s):  
Primary Education ◽  
Mixed Method ◽  
Financial Literacy ◽  
Literacy Learning ◽  
Learning Design ◽  
Validity And Reliability ◽  
Education Students ◽  
Exploratory Model

This research constructs learning design to guide primary education students on achieving financial literacy. The approach used is mixed method sequential exploratory model. This results shows that validity and reliability of this design in general on the category can be used.

scholarly journals Gender Differences in Financial Decisions

2018 ◽  
Vol 11 (1) ◽  
pp. 21-27
Author(s):  
Jeetendra Dangol
Keyword(s):  
Gender Differences ◽  
Decision Making ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Decisions ◽  
Financial Decision Making ◽  
Financial Decision ◽  
Convenience Sampling ◽  
Risk Taker ◽  
Survey Questionnaires

This paper examines the gender differences in financial decision-making of university students who are young, single, childless individuals that have at least average financial literacy and very small or no income. This paper is based on the survey questionnaires developed by Grable and Lytton (2003), distributed and collected from 100 students (50 men and 50 women) by using convenience sampling technique. The study finds that men and women differ in their financial decision. Women are less risk taker than men in financial decision-making; it indicates that women prefer to safer investment.

scholarly journals Involvement in the organized market of such forms of self employment in rural areas as personal subsidiary farms of citizens

2021 ◽  
Vol 0 (13) ◽  
pp. 31-37
Author(s):  
Ekaterina Kot ◽  
Tat'yana Zyryanova ◽  
Sergey Zyryanov
Keyword(s):  
Rural Areas ◽  
Financial Literacy ◽  
Theoretical Research ◽  
Practical Significance ◽  
Federal Law ◽  
Strategic Development ◽  
Axiomatic Analysis ◽  
Self Employment ◽  
Deductive Method ◽  
The Law

Abstract. Within the framework of a set of measures for the implementation of the national project on small and medium-sized enterprises and support for individual entrepreneurial initiative in accordance with the Decree of the President of the Russian Federation on national goals and strategic development tasks, the importance of involving citizens in independent production activities is reflected. In this regard, Federal Law No. 422-FL of 27 November 2018 (hereinafter referred to as the Law) initiated a tax experiment to establish a new special tax regime “Tax on Professional Income” (hereinafter referred to as the TPI). The purpose of the study is to determine the economic impact of the new tool on the involvement in economic turnover of such a form of self-employment in rural areas as personal subsidiary farms of citizens. Tasks: 1) using the deductive method of theoretical research to analyze the effect of the experiment on the application of the new special tax regime on the territory of Russia; 2) to consider in practical situations the options for applying the TPI for self-employed citizens; 3) systematize data on the calculation of naps in the form of a model that has theoretical and practical significance for the involvement of private subsidiary farms (hereinafter referred to as PSF) in an organized market. Research methods: deduction, axiomatic, analysis, synthesis, comparison, experiment, measurement. The scientific novelty and results is that according to the Law, a new target group is allocated – self-employed citizens who indicate services in different fields of activity. In agriculture, it is also necessary to direct the activities of PSF that sell their own products to an organized market. Results. In order to help improve financial literacy with the support of self-employed entrepreneurs, a comparative analysis of deductions for the calculation of professional income tax was conducted. Algorithms for calculating naps have been developed, which are the basis for considering practical situations. A model has been compiled that systematizes the procedure for applying the TPI for self-employed citizens.

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