scholarly journals Financial Literacy, Risk Tolerance, and Financial Management of Micro-enterprise Actors

Society ◽  
2021 ◽  
Vol 9 (1) ◽  
pp. 174-186
Author(s):  
Heni Hirawati ◽  
Yacobo P Sijabat ◽  
Axel Giovanni
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Research Method ◽  
Business Owners ◽  
Risk Tolerance ◽  
Central Java ◽  
The Poor ◽  
Central Java Province ◽  
Micro Enterprises ◽  
Special Region

Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy andtolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.

scholarly journals Perlindungan Konsumen atas Pencabutan Izin Usaha BPR oleh Otoritas Jasa Keuangan

2021 ◽  
Vol 23 (1) ◽  
pp. 57
Author(s):  
Asri Elies Alamanda ◽  
Darminto Hartono
Keyword(s):  
Research Method ◽  
Deposit Insurance ◽  
Legal Protection ◽  
Legal Research ◽  
Central Java ◽  
The Government ◽  
Special Region

The revocation of the Rural Bank (BPR) business license is inseparable from the function of the OJK in fostering and supervising the BPR. This study used an empirical legal research method, namely research was conducted at OJK Regional 3 Central Java and Yogyakarta Special Region. The results indicate that there are 2 legal protections provided by the government to depositors of funds, namely preventive and repressive legal protection. Preventive legal protection has the character of preventing problems, including the application of the principles of confidentiality and prudence. Meanwhile, the repressive legal protection that functions to resolve disputes that arise is the Deposit Insurance Corporation (LPS). Then the factors that cause the revocation of the BPR's business license are factors that come from internal BPRs that cannot manage the BPR properly. The revocation of the RB's business license was caused by 2 things, namely the revocation of the business license at the request of the shareholders and the revocation of the business license because the rescue efforts carried out did not bear fruit.

scholarly journals Overcoming Severe Food Insecurity in Central Java Province of Indonesia Amidst Covid-19 Pandemic

2020 ◽  
Vol 15 (2) ◽  
Author(s):  
Yusuf Munandar
Keyword(s):  
Local Government ◽  
Food Insecurity ◽  
Research Method ◽  
Research Question ◽  
Descriptive Analysis ◽  
Indonesian Government ◽  
Central Java ◽  
Staple Foods ◽  
Government Data ◽  
Central Java Province

To overcome the problem of the severe food insecurity in the Central Java Province of Indonesia amidst the Covid-19 outbreak, the Indonesian government provided staple foods assistance to them. The research question is whether the provision of staple foods assistance will overcome the problem of severe food insecurity in Central Java Province of Indonesia? The purpose of this study was to determine whether the provision of staple foods assistance would overcome the problem of severe food insecurity in Central Java Province of Indonesia. This research method is a descriptive analysis using 2019 Susenas data obtained from BPS Indonesia. The result of the study is that the provision of staple foods assistance can not overcome the problem of severe food insecurity in Central Java Province of Indonesia because it is based on DTKS data and local government data which only covers 54.69% of all residents of Central Java Province who suffer from severe food insecurity. The recommendation of this research is the Indonesian central and local government so as to update DTKS data and local government data as soon as possible so that DTKS data and local government data can include all residents of Central Java Province who suffer from severe food insecurity so that they no longer suffer from severe food insecurity.

scholarly journals PENGARUH TINGKAT LITERASI KEUANGAN PEMILIK USAHA TERHADAP PENGELOAAN KEUANGAN. STUDI KASUS : UMKM DEPOK

2016 ◽  
Vol 4 (1) ◽  
Author(s):  
Birawani D. Anggraeni
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Secondary Data ◽  
Financial Statements ◽  
Business Owners ◽  
Strategic Decisions ◽  
Record Keeping ◽  
Study Materials ◽  
Financial Condition ◽  
Micro Level

Financial literacy affects a person's way of thinking on the financial condition and influence strategic decisions interms of finances and better management for business owners.This study uses secondary data as study materials which will be given to the micro level that businesses with aturnover of up to 300M per year in which the segment in general do not have good financial records to then beused as financial statements. In a study using 12 samples of SMEs in the area of Depok randomly selected. Thisstudy uses processed using descriptive statistics as well as the weighting at the level of financial literacy.Results from this study indicate that the level of financial literacy of low business owners so that the effect on theability to manage finances. This is reflected in the financial results of the attitude of business owners where theymerely record the receipt and expenditure of financial business without being accompanied by supporting documentsstorage. Business owners so far have not made the budget as a basis for evaluating the performance of theirbusinesses. In addition the ability of business owners to manage cash surplus and deficit shows the majority of usingbanks or non-banks. They have not yet reached the stage of investing in financial products.Simple research is expected to contribute to the field of accounting related to business continuity, especially in termsof financial management business through increased financial literacy.Keywords: financial literacy, financial management, record keeping, budget.

Analysis of Financial Literation Levels of Micro Enterprises in Kulon Progo District, Special Region of Yogyakarta

2020 ◽  
Vol 4 (2) ◽  
pp. 163-171
Author(s):  
Dadan Ramadhan ◽  
Lilies Setiartiti
Keyword(s):  
Financial Literacy ◽  
Random Sampling ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Chi Square ◽  
Analysis Technique ◽  
Chi Square Test ◽  
High Level ◽  
Micro Enterprises ◽  
Special Region

This research is quantitative. The population of this research was all of Micro Enterprises in Kulon Progo Regency. The sample of this research were 156 micro-entrepreneurs in the Kulonprogo district. This research used a simple random sampling technique to get the data. The researcher used a questionnaire as the instrument, which tested both its validity and its reliability. The data analysis technique used in this research is the Chi-Square test. The result showed, the majority of respondents had knowledge (79,5%), and the ability of financial literacy (80,8%) was categorized in the high-level category. There was a no different level of financial literacy for the micro-entrepreneur in Kulon Progo Regency based on the gender.

scholarly journals Implementation Flood Disaster Policy base Community in Cilacap Regency, Central Java Province, Indonesia

2019 ◽  
Vol 3 (2) ◽  
pp. 50
Author(s):  
Rudi SUBIYAKTO ◽  
Sri SUWITRI ◽  
Endang LARASATI ◽  
Prayitno PRAYITNO
Keyword(s):  
Research Method ◽  
Risk Index ◽  
Disaster Risk ◽  
Flood Disaster ◽  
Disaster Mitigation ◽  
Infrastructure Development ◽  
Mitigation Policy ◽  
Central Java ◽  
The Impact ◽  
Central Java Province

Cilacap Regency is the region that has the highest Disaster Risk Index in the Central Java Province, this area has the risk of floods, water robes, landslides, droughts, tornadoes, earthquakes, and tsunamis. Data from the Indonesian Disaster Risk Index (IRBI) in 2016 shows the level of disaster risk in Cilacap Regency occupying the 17th position nationally and first from 35 regencies/cities in the Central Java Province with a score of 132 (high hazard class). Under these conditions, a Disaster Mitigation Policy is needed. Legally, the Mitigation Policy in Cilacap Regency has been regulated in Regional Regulation Number 1 of 2012 concerning Violation of disaster management, especially in article 43 which includes several activities, namely: (1) Spatial planning implementation (2) Arrangement of infrastructure development, governance buildings, (3) Organizing education, counseling, and training, both conventional and modern, so that regional governments are expected to be able to develop disaster information, disaster databases, and maps in order to minimize the impact of disasters. Therefore, in this study, trying to describe the analysis of the implementation of disaster mitigation policies in Cilacap Regency. The research method used is a qualitative research method by looking at phenomena in the implementation of disaster mitigation and the factors that support and inhibit them. The community plays a role according to the direction of the BPBD. The community continues to coordinate, communicate and cooperate in carrying out its role. The non-technical role is carried out through socialization, education, advocacy to the community in the flood disaster area. Key words: Disaster Mitigation, Policy Implementation, Disaster Impact, Cilacap Regency, Policy Environment

scholarly journals STUDY OF CLAIMS FOR COMPENSATION OF DAMAGE TO CORAL REEF ECOSYSTEM DUE TO VESSEL GROUNDED IN THE WATERS AREA OF CILIK ISLAND, KARIMUNJAWA SUBDISTRICT, JEPARA REGENCY, CENTRAL JAVA PROVINCE

2020 ◽  
Vol 2 (1) ◽  
pp. 111-118
Author(s):  
Yudi Wahyudin
Keyword(s):  
Coral Reef ◽  
Ecosystem Services ◽  
Research Method ◽  
Economic Valuation ◽  
Coral Reef Ecosystem ◽  
Reef Restoration ◽  
Central Java ◽  
Total Claim ◽  
Central Java Province ◽  
Reef Ecosystem

The purpose of this research is to conduct a claim of compensation claim for damage to the coral reef ecosystem as a vessel grounded in the waters of Cilik island, Karimunjawa Subdistrict, Jepara Regency, Central Java Province. The research method of this study conducted using survey and case of study. The analyses used by this study was economic valuation of ecosystem services loss, cost of coral reef restoration and cost of verification and dispute resolution. The result of this study showed that the total claim of compensation amounted IDR 3,067,031,155.96 (USD 227,466.52) for compensating the area of coral reef damage 111.69 square meters, i.e. IDR 635,525,318.46 for losing of coral reef ecosystem services, IDR 2,181,505,837.50 for cost of coral reef restoration, and IDR 250,000,000.00 for verification and dispute resettlement cost. This claim of compensation delivered as an effort to force the responsibility of the vessel owner and to restore the area of coral reef damage in the future.

scholarly journals PENGARUH TINGKAT LITERASI KEUANGAN PEMILIK USAHA TERHADAP PENGELOLAAN KEUANGAN. STUDI KASUS: UMKM DEPOK

2016 ◽  
Vol 3 (1) ◽  
Author(s):  
Birawani D. Anggraeni
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Financial Statements ◽  
Business Owners ◽  
Descriptive Statistics ◽  
Record Keeping ◽  
Financial Products ◽  
Study Materials ◽  
Financial Condition ◽  
Micro Level

Abstract. Financial literacy affects a person's way of thinking on the financial condition and influencestrategic decisions in terms of finances and better management for business owners. This study usessecondary data as study materials which will be given to the micro level that businesses with aturnover of up to 300M per year in which the segment in general do not have good financial recordsto then be used as financial statements. In a study using 12 samples of SMEs in the area of Depokrandomly selected. This study uses processed using descriptive statistics as well as the weighting atthe level of financial literacy.Results from this study indicate that the level of financial literacy of low business owners sothat the effect on the ability to manage finances. This is reflected in the financial results of theattitude of business owners where they merely record the receipt and expenditure of financialbusiness without being accompanied by supporting documents storage. Business owners so far havenot made the budget as a basis for evaluating the performance of their businesses. In addition theability of business owners to manage cash surplus and deficit shows the majority of using banks ornon-banks. They have not yet reached the stage of investing in financial products. Simple research isexpected to contribute to the field of accounting related to business continuity, especially in terms offinancial management business through increased financial literacy.Keywords:. financial literacy, financial management, record keeping, budget

scholarly journals Kepercayaan Masyarakat Jawa terhadap Budaya Sesajen sebagai Sumber Keselamatan dalam Pembangunan Rumah

2019 ◽  
Author(s):  
Afrina Asdeana Siwi
Keyword(s):  
Research Method ◽  
Strong Influence ◽  
Qualitative Interview ◽  
The Public ◽  
Interview Method ◽  
Central Java ◽  
Special Events ◽  
Community Trust ◽  
The Relationship ◽  
Central Java Province

Hindu-Buddhist culture has a strong influence on the culture of people in Indonesia, especially Javanese. Some cultures that are still carried out today are offering culture. The offerings are used by the Javanese people in various special events. For example when building a house. Javanese people believe that offering offerings when building a house can be a source of safety when building a house. The purpose of writing this article is to find out the purpose of using offerings for safety when building a house. The research method used is descriptive qualitative interview method in Manyaran District, Wonogiri Regency, Central Java Province. The results of this study show the relationship between community trust in the use of offerings with safety when building homes. As well as showing that although the Indonesian people now have many other religions such as Islam, Christianity, Catholicism, but belief in mystical things are still entrenched and can be seen today. With the publication of the results of this study it is expected that the public will know more about the diversity of cultures and beliefs that still apply today in Indonesia, one of which is the culture of Javanese community offerings when building houses.

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