scholarly journals Pemanfaatan Financial Technology bagi Pelaku UMKM Pada Masa New Normal di Provinsi Jambi

2021 ◽  
Vol 5 (1) ◽  
pp. 11
Author(s):  
Edward Edward ◽  
Mohammad Ihsan ◽  
Ade Perdana Siregar
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Equation Modeling ◽  
Positive Contribution ◽  
Significant Positive Effect ◽  
New Normal ◽  
Period 2 ◽  
Normal Period ◽  
Positive Effect ◽  
Financial Technology

The spread of the corona virus does not only have an impact on health but has an impact on the economic sector. Entering the new normal period, health protocols still have to be a concern because the Covid-19 pandemic has not ended. The development of MSMEs can make a positive contribution to the economy. The need for capital is the main reason for MSMEs to sustain their business. Capital is an important factor for business actors in building and developing their business. Knowledge, behavior, attitudes and beliefs about finance play an important role in making decisions, especially decisions about sources of venture capital. The government through regulations regarding financial technology provides solutions to answer the problems of MSME business actors during this new normal period. (1) Assessing the influence of financial literacy on decisions on the use of financial technology during the new normal period; (2) Assessing the influence of financial literacy on business actor confidence; (3) Assessing the influence between the trust of business actors on the decision to use financial technology in the new normal period; (4) Assessing the role of trust in business actors to be able to mediate the effect of financial literacy on decisions on the use of financial technology in the new normal period. The data analysis method used was the measurement of Structural Equation Modeling (SEM) using the SmartPLS software. The results showed that (1) financial literacy showed a significant positive effect on the decision to use financial technology during the new normal period; (2) financial literacy shows a significant positive effect on the trust of business actors; (3) the trust of business actors shows a significant positive effect on the decision to use financial technology during the new normal period; (4) the trust of business actors as a mediator of the effect of financial literacy shows a significant positive effect on decisions to use financial technology in the new normal period

scholarly journals TINGKAT LITERASI KEUANGAN DAN FINANCIAL TECHNOLOGY PADA PELAKU USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) KABUPATEN KUNINGAN

2020 ◽  
Vol 5 (2) ◽  
pp. 97-108
Author(s):  
Amir Hamzah ◽  
Dadang Suhardi
Keyword(s):  
Financial Literacy ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Analysis Method ◽  
Positive Effect ◽  
Financial Technology

The purpose of this study is to examine the level of financial literacy and financial technology of SMEs in Kuningan Regency. The sample of this study were 250 SMEs. Sampling is done by Probability sampling with proportional random sampling technique. The data analysis method with Structural Equation Modeling (SEM). From the results of the study it was found that financial attitude has positive effect on financial technology, financial behavior has positive effect on financial technology, financial knowledge has  positive effect on financial technology, financial technology has positive effect on financial inclusion.Thus, in order to achieve the level of financial literacy and financial technology in SMEs increases, SMEs must pay attention to the level of financial attitude, financial behavior, financial knowledge, financial technology so that SMEs financial inclusion also increases.

scholarly journals Analysis of the Effect of Financial Literacy, Practicality and Consumer Lifestyle on the Use of Chip-Based Electronic Money Using SEM

2021 ◽  
Vol 14 (1) ◽  
pp. 32
Author(s):  
Bob Foster ◽  
Sukono ◽  
Muhamad Deni Johansyah
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Primary Data ◽  
Equation Modeling ◽  
Consumer Decision Making ◽  
Significant Positive Effect ◽  
Electronic Money ◽  
Study Results ◽  
Consumer Lifestyles ◽  
Positive Effect

Industry 4.0 trends have a significant influence on the acceleration of technology in Indonesia. The development of financial technology has shifted conventional transactions to electronic money as a means of payment with a digital system. Electronic money users in Indonesia continue to grow, while several factors affect consumer decision making to use electronic money. This study aims to analyze the effect of financial literacy, practicality, and consumer lifestyle on consumer interest in using chip-based electronic money. This research uses a quantitative approach with primary data obtained through questionnaires to chip-based electronic money users. The analytical method used is Structural Equation Modeling (SEM) to verify the factors that determine the indicators of the findings of interest in the use of chip-based electronic money. The study results indicate that: (a) Financial literacy has a significant positive effect on interest in using chip-based electronic money by 14.6%; (b) Financial literacy has a significant positive effect on practicality in the use of chip-based electronic money by 51.8%; (c) Practicality in the use of chip-based electronic money has a significant positive effect on consumer lifestyles by 71.3%; (d) Practicality has a significant positive effect on the use of chip-based electronic money by 25%; and (e) Consumer lifestyle has a significant positive effect on the use of chip-based electronic money by 52.8%. The study results imply that it can be used as a consideration for making monetary policy in Indonesia, dealing with the rapid growth in the use of chip-based electronic money.

scholarly journals ANALYSIS OF SYSTEM QUALITY, INFORMATION QUALITY AND PERCEIVED USEFULNESS TO USER SATISFACTION

2019 ◽  
pp. 62
Author(s):  
Tiana Tiana ◽  
Bambang Sugiharto ◽  
Indah Umiyati
Keyword(s):  
User Satisfaction ◽  
Structural Equation ◽  
Information Quality ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Significant Positive Effect ◽  
Quality Of Information ◽  
Positive Effect

This study aims to test and analyze the quality of the system against perceived usefulness, the quality of information against perceived usefulness, the quality of the system to user satisfaction, Information Quality to user satisfaction and perceived usefulness to user satisfaction. The population in this research is employees teller and customer service department of Bank BJB in subang city. Sampling technique is nonprobability sampling by using purposive sampling method. The type of data used is primary data with questionnaire data collection method. Hypothesis testing used is Structural Equation Modeling (SEM) approach with variance Structural equation test or better known as Partial Least Square (PLS). The result of the research shows that Quality System has a significant positive effect on Perceived Usefulness, Quality of Information has a significant positive effect on Perceived Usefulness, Quality of System has a significant positive effect on user satisfaction, Information Quality has positive significant effect on user satisfaction, and Perceived Usefulness has no effect to User Satisfaction

scholarly journals THE ROLE OF MEDIATION ON WORK SATISFACTION TO WORK ENVIRONMENT, TRAINING, AND COMPETENCY ON EMPLOYEE PERFORMANCE

2021 ◽  
Vol 19 (3) ◽  
pp. 469-482
Author(s):  
Kusni Ingsih ◽  
◽  
Nelis Riskawati ◽  
Agus Prayitno ◽  
Shujahat Ali ◽  
...  
Keyword(s):  
Work Environment ◽  
Structural Equation ◽  
Work Motivation ◽  
Employee Performance ◽  
Work Satisfaction ◽  
Simple Random Sampling ◽  
Equation Modeling ◽  
Significant Positive Effect ◽  
Work Training ◽  
Positive Effect

This study aimed to determine the effect of work environment, training, and competence on work satisfaction in improving employee performance. The object in this study is PT. Asaputex Jaya, located in Tegal City, engaged in woven sarong’s trading business with the Korma Tree brand. The sample used in this study was determined by a simple random sampling method, obtaining 105 respondents. The data in this study were obtained through a questionnaire that was filled out independently. The analysis used in this study uses the analysis method of Structural Equation Modeling (SEM). This study proves and concludes that: work environment and work training have a significant positive effect on work satisfaction. However, competence does not affect work satisfaction. Besides, the work environment negatively affects employee performance, and work training does not affect employee performance. Also, competence and work satisfaction have a significant positive effect on employee performance. Further research must develop more varied models to provide different research findings, such as adding work stress variables, work motivation, work discipline, and others.

scholarly journals The Effect of Distributive Justice, Procedural Justice of Compensation and Emotional Intelligence on Affective Commitments

2020 ◽  
Vol 6 (1) ◽  
Author(s):  
Nur Rizqi Febriandika
Keyword(s):  
Emotional Intelligence ◽  
Distributive Justice ◽  
Procedural Justice ◽  
Structural Equation ◽  
Quantitative Methods ◽  
Affective Commitment ◽  
Equation Modeling ◽  
Significant Positive Effect ◽  
Managerial Employees ◽  
Positive Effect

This research determines the distributive justice of compensation, procedural justice of compensation and emotional intelligence on affective commitment. The populations of this study are 115 non-managerial employees of three BMT in Yogyakarta. This study uses quantitative methods and SEM (Structural Equation Modeling) is used to analyze the data collection which is operationalized by the AMOS 21 application program. The results of this study indicate that distributive justice and emotional intelligence have a significant positive effect on affective commitment while procedural justice compensation has no effect on affective commitment.

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (1) ◽  
pp. 37
Author(s):  
Wahyudi Wahyudi ◽  
Brigitta Azalea Pulo Tukan ◽  
Dahlia Pinem
Keyword(s):  
Locus Of Control ◽  
Financial Literacy ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Partial Least Square Analysis ◽  
Analysis Technique ◽  
Positive Effect ◽  
Financial Technology

<p>This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.</p>

ANALISIS PENGARUH PENERAPAN BUDAYA TERHADAP KEBUTUHAN EKONOMI DAN PERILAKU MANAJEMEN KEUANGAN PADA MASYARAKAT ENDE LIO

Analisis ◽  
2020 ◽  
Vol 10 (1) ◽  
Author(s):  
Laurentius D. Gadi Djou ◽  
Apriana Marselina
Keyword(s):  
Financial Management ◽  
Structural Equation ◽  
Sem Analysis ◽  
Economic Conditions ◽  
Equation Modeling ◽  
Significant Positive Effect ◽  
Management Behavior ◽  
Financial Attitudes ◽  
Economic Needs ◽  
Positive Effect

Indonesia is a country that has diverse tribes and cultures. Each culture has different behavioral characteristics in terms of financial management that can affect the economic growth of a region. Wurumana culture is a local custom of the Ende Lio community which is related to the cycle of money circulation in the family which has become a tradition for generations. The purpose of this study was to determine the effect of local culture (Wurumana) on Economic Needs, the effect of Economic Needs on Financial Management Behavior, the influence of Economic Needs on Financial Attitudes, and to determine the effect of Financial Attitudes on Financial Management Behavior of the Ende Lio community. The research method used in this study is a quantitative method using Structural Equation Modeling (SEM) analysis tools using AMOS 22. The results of the study show that Wurumana Culture has a significant positive effect on Economic Conditions (H1), Economic Conditions are proven to have a significant positive effect on Management Behavior Financial (H2), Economic Conditions have a significant positive effect on Financial Attitudes (H3), and Financial Attitudes have a significant positive effect on Financial Management Behavior (H4).

scholarly journals The role of brand equity in increasing buying interest

2021 ◽  
pp. 1999-2010
Author(s):  
Gita Sugiyarti ◽  
Aris Mardiyono
Keyword(s):  
Structural Equation Modeling ◽  
Brand Equity ◽  
Structural Equation ◽  
Brand Image ◽  
Sales Promotion ◽  
Brand Awareness ◽  
Equation Modeling ◽  
Significant Positive Effect ◽  
Positive Effect

This study aims to analyze the effect of brand awareness, brand image and sales promotion on brand equity and consumer buying interest. The population of this study was all Swalayan Ada customers in Indonesia. The sample was taken by 550 respondents. After processing with normalization of data, the sample is worth using as many as 265 respondents. Analysis tools using Structural Equation Modeling with AMOS 16 program. The findings show that brand awareness, brand image and sales promotion have a significant positive effect on consumer buying interest. Brand image and sales promotion and brand equity have a significant positive effect on buying interest while brand awareness has no significant effect on consumer buying interest.

scholarly journals Pengaruh Keadilan Distributif dan Prosedural Kompensasi terhadap Kepuasan Kerja dan Kinerja Perawat di RSU DR. H. RM. SOESELO di Slawi, Kabupaten Tegal, Jawa Tengah

2017 ◽  
Vol 6 (1) ◽  
pp. 18
Author(s):  
Sulaefi Sulaefi
Keyword(s):  
Job Satisfaction ◽  
Structural Equation Modeling ◽  
Distributive Justice ◽  
Procedural Justice ◽  
Structural Equation ◽  
Equation Modeling ◽  
Survey Method ◽  
Significant Positive Effect ◽  
Positive Effect

This research examines the organizationa justice include distributive justice compensation and pocedural justicecompensation to employess performance both directly and indirectly influenced by job satisfaction. The population inthis study were all nurse employees in RSU DR. H. RM. SOESELO in Slawi, Tegal District are totaling 142 people.Data were collected by survey method is to provide a list of questionnaires directly to the resp4.ondent. Data analysistechniques in this study using analysis of SEM (Structural Equation Modeling) program operated by AMOS 21. Theresults showed that distributive justce compensation significant positive effect on job satisfaction, procedural justicecompensation significant positive effect on job satisfaction, distributive justice compensation are not significsantly toemployees performance, procedural justice compensation are not significantly to employees performance, jobsatisfaction significant positive effect on employees performace, job satisfaction as a mediating influence ofdistributive justice compensation and procedural justice compensation to employees performance. 

scholarly journals Keputusan Investasi, Leverage, Profitabilitas, dan Ukuran Perusahaan Sebagai Faktor Penentu Nilai Perusahaan Manufaktur

2020 ◽  
Vol 19 (1) ◽  
pp. 10-23
Author(s):  
I Made Purba Astakoni ◽  
I Wayan Wardita
Keyword(s):  
Firm Value ◽  
Structural Equation ◽  
Hypothesis Test ◽  
Investment Decisions ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Test Results ◽  
Significant Positive Effect ◽  
Positive Effect

Abstract-The purpose of this study is 1) to find out and analyze the effect of investment decisions on firm value, 2) to find out and analyze the effect of leverage on firm value, 3) to find out and analyze the effect of profitability on firm value; 4) to find out and analyze the effect of company size on company value. The population in this study are cosmetics and household use manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the period 2011-2018. Sampling was done purposively with predetermined criteria. The data analysis of this study uses the Partial Least Square (PLS) approach. PLS is a Structural Equation Modeling (SEM) equation model based on components or variants. Based on the hypothesis test, the first hypothesis is obtained; which states that investment decision variables have a significant positive effect on firm value is acceptable. Second hypothesis test results; which states that leverage has a significant positive effect on firm value is acceptable. Third hypothesis test results; which states profitability has a significant positive effect on firm value is acceptable. The fourth hypothesis test results; which states that company size has a significant positive effect on the value of the company can not be accepted (rejected). The result of the model accuracy test by looking at R Square Adjusted which contributed the model in explaining the structural relationship of the studied variables was 0.604 (or 60.40%). Keywords: Investment Decisions; Leverage; Profitability; Firm Size and Firm Value. Abstrak-Tujuan dari studi ini adalah 1) untuk mengetahui dan menganalisis pengaruh keputusan investasi terhadap nilai perusahaan,2) untuk mengetahui dan menganalisis pengaruh leverage terhadap nilai perusahaan, 3) untuk mengetahui dan menganalisis pengaruh profitabilitas terhadap nilai perusahaan; 4) untuk mengetahui dan menganalisis pengaruh ukuran perusahaan terhadap nilai perusahaan. Populasi dalam studi ini adalah perusahaan manufaktur sektor kosmetik dan keperluan rumah tangga yang terdaftar di Bursa Efek Indonesia (BEI) periode 2011-2018. Pengambilan sampel dilakukan secara purposive dengan kriteria yang telah ditetapkan sebelumnya. Analisis data studi ini menggunakan pendekatan Partial Least Square (PLS). PLS adalah model persamaan Structural Equation Modeling (SEM) yang berbasis komponen atau varian. Berdasarkan uji hipotesis yang dilakukan didapat hipotesis pertama ; yang menyatakan variabel keputusan investasi berpengaruh signifikan positif terhadap nilai perusahaan dapat diterima. Hasil uji hipotesis kedua ; yang menyatakan leverage berpengaruh signifikan positif terhadap nilai perusahaan dapat diterima. Hasil uji hipotesis ketiga ; yang menyatakan profitabilitas berpengaruh signifikan positif terhadap nilai perusahaan dapat diterima. Hasil uji hipotesis keempat ; yang menyatakan ukuran perusahaan berpengaruh signifikan positif terhadap nilai perusahaan tidak dapat diterima (ditolak). Hasil uji ketepatan model dengan melihat R Square Adjusted yang memberi kontribusi model dalam menjelaskan hubungan struktural variabel yang diteliti adalah sebesar 0,604 (atau 60,40%). Kata kunci: Keputusan Investasi; Leverage; Profitabilitas; Ukuran perusahaan dan Nilai perusahaan

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