scholarly journals Pelatihan Literasi Keuangan Syariah Melalui Metode Getok Tular (Word Of Mouth Communication)

2019 ◽  
Vol 1 (2) ◽  
pp. 82
Author(s):  
Zaldy Suhatman ◽  
Sahlan Hasbi
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Word Of Mouth ◽  
Change Agents ◽  
Communication Strategy ◽  
Public Understanding ◽  
Knowledge Based ◽  
Product Features ◽  
Communication Method ◽  
Word Of Mouth Communication

Based on the national survey data of the Financial Services Authority, the conventional Financial literacy index in Indonesia reaches 29.1% while the Sharia financial literacy index is only 8.1% or lower than 30 percent conventional financial literacy. This condition shows the lack of public understanding of the product features and activities of sharia finance institutions considering that the terms used are generally a new term for Indonesian society. Since the year 2018 United Cooperative Relatives of Pulo Kambing converted into a Shariah cooperative. But from 33 managers and managers of active cooperatives, only 12.1% or only 4 people) who have participated in the training of sharia cooperatives. The solutions offered to solve the problem of knowledge gaps of managers, managers, and members of sharia cooperatives, the sharia financial literacy is done by Getok Tular (Word Of Mouth Communication) method which aims to Give birth to change agents who are ready to transmit his knowledge about sharia-urban.  Based on the results of devotion, there is increased post-training knowledge. Based on the results of pretests and posttest there is a hike of 35 points so that it can be concluded that there is an increase in participants about the sharia cooperative and can be categorized that the trainees have fulfilled the criteria as an agent Infanteer tular (Word Of Mouth Communication strategy).

scholarly journals Age, gender, and financial literacy in Japan

PLoS ONE ◽  
2021 ◽  
Vol 16 (11) ◽  
pp. e0259393
Author(s):  
Shohei Okamoto ◽  
Kohei Komamura
Keyword(s):  
Gender Differences ◽  
Financial Literacy ◽  
Financial Services ◽  
Financial Knowledge ◽  
Knowledge Based ◽  
Central Council ◽  
Literacy Survey ◽  
Financial Decision ◽  
Financial Behaviour ◽  
Relationship Of

Objective The aim of this study is to investigate the association between financial literacy and age as well as gender differences in financial literacy. Methods We analyse a sample of 25,000 individuals from ‘The Financial Literacy Survey 2016’ conducted by the Central Council for Financial Services Information (Bank of Japan). The analysis focuses on the relationship of age and financial literacy as well as that of age and self-rated financial knowledge. To consider factors accounting for gender differences in financial literacy, we use the Blinder-Oaxaca decomposition method. To further our understanding of financial literacy, we conduct additional analyses on financial behaviour and attitude. Results Although age is associated with increased financial literacy (Men, β: 0.249, standard error [SE]: 0.030; Women, 0.354, SE: 0.026), the growth rate decreases among the older respondents (Men, β: -0.002, SE: 0.000; Women, -0.003, SE: 0.000). However, the association between age and self-rated financial knowledge among men moves in the opposite direction (Age, β: -0.021, SE: 0.009, Age2, β: 0.000, SE: 0.000). Furthermore, female respondents are likely to be less financially literate than their male counterparts (β: -0.586, SE: 0.095) due to gender differences in the distribution of the factors that affect financial literacy (specifically education), their responses to financial literacy, and the interactions of these effects. In contrast to knowledge-based financial literacy, financial behaviour and attitudes among women are more preferable to those among men, namely, more premeditated. Conclusion Financial literacy increases until about one’s early 60s, after which it declines, while confidence in financial literacy reflects the inverse trend, especially among men. Additionally, men are more financially literate than women; however, these differences could be mitigated through education. Meanwhile, financial behaviour and attitudes among men are less premeditated. Thus, policies are needed that can help older adults with their financial decision-making, enhance women’s financial literacy, and improve men’s financial behaviours and attitudes.

scholarly journals PENGARUH WORD OF MOUTH TERHADAP KEPERCAYAAN KONSUMEN DALAM BERBELANJA SECARA ONLINE

2021 ◽  
pp. 1407
Author(s):  
Kartika Imasari Tjiptodjojo ◽  
Surya Setyawan ◽  
Henky Lisan Suwarno ◽  
Yolla Margaretha
Keyword(s):  
Word Of Mouth ◽  
Communication Strategy ◽  
Personal Relationship ◽  
Consumer Confidence ◽  
Marketing Communication ◽  
Word Of Mouth Communication

This study wants to describe the marketing communication strategy widely used today, namely word of mouth where this form of communication purely relies on the ability of consumers to hear and convey messages or news through conversation. Through word of mouth, consumers can feel a more personal relationship with the company. The word-of-mouth communication strategy is considered quite capable in building consumer confidence in shopping, especially shopping online. This research took a sample of 100 respondents in Bandung City who actively visit the marketplace and make purchases at least twice a month. The results showed that there was an effect of word of mouth on consumer confidence of 0.263 or 26.3 percent.Penelitian ini ingin menggambarkan mengenai strategi komunikasi pemasaran banyak digunakan pada masa sekarang yaitu word of mouth dimana bentuk komunikasi ini secara murni mengandalkan kemampuan konsumen dalam mendengar dan menyampaikan pesan atau berita melalui percakapan. Melalui word of mouth, konsumen dapat merasakan hubungan yang lebih pribadi dengan perusahaan. Strategi komunikasi word of mouth dinilai cukup mampu membangun kepercayaan konsumen dalam berbelanja, khususnya belanja online. Penelitian ini mengambil sampel 100 responden masyarakat di Kota Bandung yang secara aktif mengunjungi marketplace dan melakukan pembelian minimal dua kali dalam sebulan. Hasil penelitian menunjukkan bahwa terdapat pengaruh word of mouth terhadap kepercayaan konsumen sebesar 0,263 atau 26,3 persen.

An Empirical Investigation into Personal Characteristics' Effect on Choosing Complaint Channels

2019 ◽  
Vol 3 (4) ◽  
pp. 195-208
Author(s):  
Hannes Boepple ◽  
Janine Göttling ◽  
Marie-Christin Papen ◽  
Florian U. Siems
Keyword(s):  
Word Of Mouth ◽  
Empirical Investigation ◽  
Personal Characteristics ◽  
Negative Word ◽  
Channel Choice ◽  
Valuable Customer ◽  
Word Of Mouth Communication ◽  
Customer Reaction ◽  
Managerial Perspective ◽  
Selection Of

For companies, complaints are a valuable customer reaction to dissatisfaction. They enable the company to respond to customer issues to prevent them from changing supplier or spreading negative word-of-mouth communication. Previous research identified various influencing factors of complaint behaviour. However, it has been scarcely considered which aspects influence the selection of the complaint channel (e. g. telephone, social media). Therefore, a 1x2 experimental study (n = 244) was conducted. Results reveal effects of personal characteristics (aggressiveness, argumentativeness and social anxiety) on complaint channel choice. A moderating effect of failure severity was also partially found. From a managerial perspective, it is recommended to provide various complaint options. This would allow the disappointed consumer to choose an adequate complaint channel depending on his or her personality.

PENGARUH CORPORATE IMAGE, TRUST, WORD OF MOUTH DAN COMMUNICATION MARKETING TERHADAP CUSTOMER SATISFACTION PADA PT. BANK NEGARA INDONESIA (PERSERO) CERME, GRESIK

Develop ◽  
2019 ◽  
Vol 3 (1) ◽  
pp. 27
Author(s):  
Chandra Kartika Kartika ◽  
Akhmad Kusaeri ◽  
Muhammad Taufik ◽  
Moh Deni Kurniawan Yusuf ◽  
Mozha Pramesti Putri ◽  
...  
Keyword(s):  
Customer Satisfaction ◽  
Word Of Mouth ◽  
Corporate Image ◽  
Word Of Mouth Communication

Persaingan bank dalam pelayanan jasa banyak competitor yang ingin memperbaiki kesalahan yang sebelumnya. Corporate image, trust, word of mouth, dan communication marketing diduga mempunyai peran penting dan perlu diperhatikan dalam upaya meningkatkan kinerja pemasaran dalam suatu perusahaan layanan jasa seperti  perbankan dan lembaga keuangan. Penelitian ini bertujuan untuk mengetahui pengaruh Corporate image, trust, word of mouth, dan communication marketing terhadap customer satisfaction. Sampel yang digunakan sebanyak 80 responden dari populasi 400 Nasabah PT. Bank Negara Indonesia (persero) cerme, gresik. Metode penelitian ini menggunakan metode kuantitif dan teknik analisis yang digunakan regresi linier berganda Y= 0,057 + 0,126 X1 + 0,892 X2 + 0,173 X3 + 0,444 X4 + 2,857. Hasil penelitian secara simultan menunjukkan Corporate image, trust, word of mouth, dan communication marketing berpengaruh signifikan terhadap customer satisfaction. Secara parsial menunjukkan corporate image, word of mouth, dan communication marketing tidak berpengaruh signifikan terhadap customer satisfaction, sedangkan trust berpengaruh terhadap customer satisfaction. sebaiknya manajemen PT. Bank Negara Indonesia (persero) Cerme, Gresik memperhatikan Corporate image, trust, word of mouth, communication marketing, dan  customer satisfaction. Manajemen juga dapat memberikan pelayanan yang baik.Kata kunci :   corporate image, trust, word of mouth,communication marketing, customer satisfaction

Chinese brand–individual values congruity and willingness of consumers from other countries to use positive word of mouth

2020 ◽  
Vol 48 (8) ◽  
pp. 1-14
Author(s):  
Xi Chen ◽  
Qing Fang ◽  
Zhenyuan Wang
Keyword(s):  
Word Of Mouth ◽  
Brand Commitment ◽  
Positive Word ◽  
Individual Values ◽  
Mediating Role ◽  
Perceived Values ◽  
Word Of Mouth Communication ◽  
Positive Word Of Mouth ◽  
The Impact ◽  
The Relationship

Congruity of brand and individual values is the degree of fit or similarity between consumers' personal values and the perceived values of a certain brand. In this study, we took Huawei as the test brand and investigated 525 consumers in 30 countries to examine whether congruity of brand and individual values influences consumer word-of-mouth communication in an international context. The results show that (a) brand commitment played a mediating role in the effect of brand–individual values congruity on word of mouth, (b) the consistency of a brand's practices and its values (brand behavior congruity) moderated the relationship between brand–individual values congruity and the consumers' brand commitment, and (c) brand behavior congruity moderated the mediating role of brand commitment in the relationship between values congruity and positive word of mouth. Our findings provide insight into the impact of values congruity for consumers.

Achieving Financial Inclusion for Persons With Disabilities: Exploring Preparedness and Accessibility of Financial Services for Persons With Disabilities in Malawi

2021 ◽  
pp. 104420732110275
Author(s):  
Alex Nester Jiya ◽  
Maxwell Peprah Opoku ◽  
William Nketsia ◽  
Joslin Alexei Dogbe ◽  
Josephine Nkrumah Adusei
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Commercial Banks ◽  
Empirical Studies ◽  
Well Being ◽  
Living Conditions ◽  
Inclusive Development ◽  
Future Research ◽  
Structured Interviews ◽  
Persons With Disabilities

Deplorable living conditions among persons with disabilities and the need to improve their living conditions cannot be overemphasized. This has triggered international discussion on the need for deliberate social policies to bridge the poverty gap between persons with and without disabilities. In Malawi, expansion of financial services has been identified as an essential tool to accelerate economic and inclusive development. However, empirical studies are yet to explore the preparedness of financial institutions to extend their services to persons with disabilities. In this qualitative study, semi-structured interviews were conducted with managers from commercial banks in Malawi to understand their perspectives on extending financial services to persons with disabilities. Interviews were transcribed verbatim and a descriptive thematic analysis was performed. Although participants reiterated the need to provide persons with disabilities with financial services to improve their well-being, few initiatives have been undertaken to improve their participation. Particularly, participants stated that barriers, such as a lack of financial literacy and adaptive technologies, communication barriers, and high rates of unemployment, explained the reluctance of commercial banks to extend financial services to persons with disabilities. The limitations, recommendations for future research, and implications of the study for policymaking have been highlighted.

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.

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