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 Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior

2021 ◽  
Vol 9 (1) ◽  
pp. 86
Author(s):  
Mamik Nur Farida ◽  
Yoyok Soesatyo ◽  
Tony Seno Aji
Keyword(s):  
Financial Literacy ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Financial Behavior ◽  
Financial Resources ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Factor Data ◽  
Financial Technology

Financial behavior is a means by which a person treats, manages, and uses available financial resources. This research aims to determine the effect of financial literacy and the use of financial technology on financial satisfaction through financial behavior as an intervening factor. Data were collected from 112 economics teachers using purposive proportional random sampling technique. Structural Equation Modeling (SEM) with AMOS 26 software was used to analyze the data. The results of this research indicate that financial literacy has no effect on financial behavior, but the use of financial technology has an effect on financial behavior, financial literacy and the use of financial technology has an effect on satisfaction finance. It was also found that financial literacy and the use of financial technology were mediated by financial behavior. Finally, use of financial technology had no effect on financial satisfaction through financial behavior as an intervening variable. These results have useful practical and theoretical implications.

TRANSPARANSI PAJAK DAN KEPERCAYAAN WAJIB PAJAK TERHADAP KEPATUHAN WAJIB PAJAK (SURVEI PADAWAJIB PAJAK KOTA DKI JAKARTA)

2019 ◽  
Vol 4 (1) ◽  
pp. 1-18
Author(s):  
Madjidainun Rahma
Keyword(s):  
Structural Equation Modeling ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Target Population ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Research Results ◽  
Positive Effect

This research aims to identify and examine the effect of the Tax Transparency and Trust Taxpayers Against the Taxpayer Compliance existing areas of Jakarta. The method used is descriptive and associative. Target population studied is Unit in Unit 14 Analysis of the Tax Office in the region of Jakarta. Sampling technique used is random sampling. Model influence analyzed using SEM (Structural Equation Modeling ) with alternative method PLS ( Partial Least Square ) which is aimed at testing the Influence between Tax Transparency and Trust Taxpayers Against the Taxpayer Compliance that there diunit analysis has been given permission to conduct research. Results of the analysis showed that partially Tax Transparency and unsignificant positive effect on the Taxpayer Compliance. Similarly, the Trust Taxpayers partially positive and significant impact to the Taxpayer Compliance . Simultaneously Transparency and Trust Tax Taxpayers Against the Taxpayer Compliance effect, this means that the Tax and Trust trades Taxpayers together will increase the Taxpayer Compliance.   Keywords: Tax Transparency, Trust, Taxpayer Compliance.     Penelitan ini bertujuan untuk mengetahui dan menguji pengaruh Transparansi Pajak dan Kepercayaan Wajib Pajak Terhadap Kepatuhan Wajib Pajak yang ada wilayah DKI Jakarta. Metode yang digunakan adalah deskriptif dan asosiatif. Populasi target yang diteliti ialah Satuan Kerja yang ada di Unit Analisis 14 Kantor Pelayanan Pajak diwilayah DKI Jakarta. Teknik sampel yang digunakan ialah random sampling. Model pengaruh di analisa menggunakan analisis SEM (Structural Equation Modeling) dengan metode alternative PLS (Partial Least Square) yang bertujuan menguji Pengaruh antara Transparansi Pajak dan Kepercayaan Wajib Pajak Terhadap Kepatuhan Wajib Pajak yang ada diunit analisis yang telah diberi ijin untuk melakukan penelitian. Hasil analisis menunjukan bahwa Transparansi Pajak secara parsial berpengaruh positif dan tidak signifikan terhadap Kepatuhan Wajib Pajak. Begitu pula dengan Kepercayaan Wajib Pajak yang secara parsial berpengaruh positif dan signifikan terhadap Kepatuhan Wajib Pajak. Secara simultan Transparansi Pajak dan Kepercayaan Wajib Pajak berpengaruh Terhadap Kepatuhan Wajib Pajak, hal ini berarti bahwa dengan Transakasi Pajak dan Kepercayaan Wajib Pajak bersama-sama maka akan meningkatkan Kepatuhan Wajib Pajak.

scholarly journals Impact of Service Quality and Service Innovations on Competitive Advantage in Retailing

2019 ◽  
Vol 2 (2) ◽  
pp. 366-374
Author(s):  
R. Neni Kusumadewi ◽  
Otong Karyono
Keyword(s):  
Service Quality ◽  
Competitive Advantage ◽  
Random Sampling ◽  
Structural Equation ◽  
Industrial Revolution ◽  
Sampling Technique ◽  
Added Value ◽  
Equation Modeling ◽  
Stratified Random Sampling ◽  
Analysis Method

Current competitive environment induced by 4.0 industrial revolution has forced companies to focus on managing service to customer by provide added value to customers, so that it will increase competitiveness. This study aims to find out and analyze impact of service quality and service innovations on competitive advantage. Analysis method is descriptive statistical and Structural Equation Modeling with AMOS software. The sampling Technique was purposive sampling with combination cluster proportional stratified random sampling, the instrument to collect the data was questionnaire with manager, supervisor or employee of retailing. The results indicate that the service quality and service innovations impact on competitive advantage.

scholarly journals Pengaruh Pengetahuan Keuangan, Teman Sebaya, dan Parental Income terhadap Perilaku Keuangan dengan Self-Control sebagai Moderasi

Jurnal Ecogen ◽  
2021 ◽  
Vol 4 (2) ◽  
pp. 224
Author(s):  
Putri Cahyani ◽  
Rochmawati Rochmawati
Keyword(s):  
Structural Equation ◽  
Quantitative Research ◽  
Peer Pressure ◽  
Sampling Technique ◽  
Self Control ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Parental Income ◽  
Analysis Techniques

Abstract : Analyzing the effect of financial knowledge, friends of the same age, and parental income on financial behavior with self-control as a moderating variable is the purpose of this research. Quantitative research is a type of research used in this study. The research sample was determined by purposive sampling technique totaling 100 students. Data analysis techniques used Structural Equation Modeling (SEM). Data collection techniques used were test and questionnaires. The result of this research is that financial knowledge can’t significantly influence financial behavior of students. Peer pressure, parental income, and self control have a significant on student financial behavior. Self control cann’t moderate financial knowledge on financial behavior, but it can moderate peer moderation on financial behavior. Self control does not moderate parental income on student financial behavior.

scholarly journals THE EFFECT OF REPRESENTATIVENESS, AVAILABILITY, ANCHORING, RISK PERCEPTION, AND HERDING ON INVESTMENT DECISIONS SYARIAH INVESTORS

2021 ◽  
Vol 11 (1) ◽  
pp. 81-92
Author(s):  
Rico Priandana Loris ◽  
Prabowo Yudo Jayanto
Keyword(s):  
Risk Perception ◽  
Random Sampling ◽  
Structural Equation ◽  
Descriptive Analysis ◽  
Investment Decisions ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Equation Modeling ◽  
Psychological Bias ◽  
Positive Effect

Investors do not always think rationally but sometimes think irrational. Decision-making based on irrational thinking is influenced by a psychological bias which often leads to wrong decisions. This study aims to find empirical evidence of the influence of representativeness, availability, anchoring, risk perception, and herding on the investment decisions of sharia investors who open stock accounts at Phintraco Sekuritas Semarang. The population in this study were investors who have opened Islamic stock accounts at Phintraco Sekuritas Semarang. The sample is respondents who have opened Islamic stock accounts at Phintraco Sekuritas Semarang. The sampling technique used was simple random sampling and data collection techniques used a questionnaire. The data were analyzed using descriptive analysis and Structural Equation Modeling (SEM). The results showed that representativeness, anchoring, risk perception, and herding have a significant positive effect on the investment decisions of Islamic investors. Meanwhile, the availability variable does not affect investment decisions in Islamic investors.

scholarly journals Pengaruh Financial Attitude, Financial Knowledge, Dan Financial Behavior Terhadap Financial Technology Literacy

2020 ◽  
Vol 2 (2) ◽  
pp. 371
Author(s):  
Jefrie Jefrie ◽  
Hendra Wiyanto
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Sampling Method ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Technology Literacy ◽  
Equation Modeling ◽  
Probability Sampling ◽  
Analysis Technique ◽  
Financial Technology

The purpose of this research is to analyze  the effect of Financial Attitude, Financial Knowledge, and Financial Behavior toward Financial Technology Literacy. The sample of this research were Go-Pay users in West Jakarta. The sample was selected using a non-probability sampling method amounted to 250 respondents by distributing questionnaire via online through the Google form section. The data analysis technique used is structural equation modeling that helped by Smart-PLS version 3.0 program. The results of this research reveals that Financial Attitude, Financial Knowledge, and Financial Behavior have effects towards Financial Technology Literacy on Go-Pay users in West Jakarta. Tujuan dari penelitian ini adalah untuk menguji pengaruh Financial Attitude, Financial Knowledge, dan Financial Behavior terhadap Financial Technology Literacy. Sampel pada penelitian ini adalah pengguna Go-Pay di Jakarta Barat. Sampel dipilih dengan menggunakan metode non probability sampling yang berjumlah sebanyak 250 responden dengan menyebarkan kuesioner secara online dengan bantuan Google form. Teknik analisis data yang digunakan adalah structural equation modeling yang dibantu dengan bantuan program Smart-PLS versi 3.0. Hasil yang didapat pada penelitian ini menunjukkan bahwa terdapat pengaruh Financial Attitude, Financial Knowledge, dan Financial Behavior terhadap Financial Technology Literacy pada pengguna Go-Pay di Jakarta Barat.

scholarly journals Investigating the level of financial literacy of university students

2017 ◽  
Vol 16 (3) ◽  
pp. 845-866 ◽  
Author(s):  
Israel José dos Santos Felipe ◽  
Harrison Bachion Ceribeli ◽  
Túlio Queiroz Lana
Keyword(s):  
Structural Equation Modeling ◽  
University Students ◽  
Financial Literacy ◽  
Structural Equation ◽  
Financial Education ◽  
Well Being ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Attitudes

AbstractConsidering that the quality of financial decisions taken by individuals depends on their financial knowledge, abilities and attitudes, it is possible to state that the well-being of a population depends on how financially literate it is. In this context, the aim of this study was to measure the financial literacy level of university students in north of Mexico. The research method used was the survey and the data collected were analyzed using the structural equation modeling technique. As results, it was possible to confirm that financial attitudes of university students of north of Mexico influence their financial behavior. However, it was not confirmed that financial knowledge of these students impacts their financial behavior. As a high relationship between financial attitudes, financial behavior and financial knowledge of analyzed individuals was not found, it is concluded that the level of financial literacy of university students in the north of Mexico is low. It implies in the necessity to invest in financial literacy programs that could help this population to better manage their resources, what would certainly impact on its savings and consumption decisions, and retirement planning.Keywords: Financial Literacy. Financial Education. Structural Equation Modeling. Mexican Students. Investigando o nível de alfabetização financeira de estudantes universitários ResumoConsiderando que a qualidade das decisões financeiras tomadas pelos indivíduos depende de seus conhecimentos, habilidades e atitudes financeiras, é possível afirmar que o bem-estar de uma população depende do quão financeiramente alfabetizada ela é. Neste contexto, o objetivo deste estudo foi mensurar o grau de alfabetização financeira dos estudantes universitários do norte do México. O método de pesquisa utilizado foi a survey e os dados coletados foram analisados por meio da técnica de modelagem de equações estruturais. Como resultados, foi possível confirmar que as atitudes financeiras dos universitários do norte do México influenciam seu comportamento financeiro. Todavia, não se confirmou que o conhecimento financeiro desses estudantes impacta seu comportamento financeiro. Como não se encontrou uma forte relação entre os conhecimentos, atitudes e comportamentos financeiros dos indivíduos analisados, conclui-se que o nível de alfabetização financeira dos estudantes universitários do norte do México é baixo. Isso implica na necessidade de investir em programas de alfabetização financeira para auxiliar essa população a melhor gerir seus recursos, o que certamente irá impactar em suas decisões de poupança e consumo, assim como em seu planejamento de aposentadoria.Palavras-chave: Alfabetização financeira. Educação financeira. Modelagem de equações Estruturais. Estudantes mexicanos.

PENGARUH BAURAN PROMOSI TERHADAP MINAT BERWISATA DAN IMPLIKASINYA TERHADAP KEINGINAN UNTUK BERKUNJUNG ULANG PADA OBJEK WISATA PANTAI GEMAH TULUNGAGUNG (STUDI PADA MAHASISWA STKIP PGRI TULUNGAGUNG)

2019 ◽  
Vol 2 (2) ◽  
Author(s):  
Charir Mahmudah
Keyword(s):  
Random Sampling ◽  
Structural Equation ◽  
Quantitative Research ◽  
Sampling Technique ◽  
Marketing Mix ◽  
Equation Modeling ◽  
P Value ◽  
Significant Positive Effect ◽  
Quantitative Research Methods ◽  
Positive Effect

�AbstractThis study aims to determine the effect of the promotion mix on travel interest; the influence of the promotional mix on the desire to revisit; and the influence of interest in traveling to the desire to visit again. The purpose of the study was made because based on the fact of a repeat visit, because Gemah Beach has an appalling situation, for example the condition of Gemah Beach is less clean and the facilities are less satisfactory. This research method uses quantitative research methods with a population of 1201 students. The sampling technique used a random sampling of 206 students. Variables consist of promotion mix (X1), interest in traveling (X2), and desire to re-visit (X3). Data collection using documents and questionnaires. The data analysis technique used is Structural Equation Modeling (SEM). The results showed that: the promotion of a significant positive influence on travel interest showed a probability value of 0,000 below the p value of 0.05; the promotion mix did not have a significant positive effect on the desire to revisit, indicating a probability value of 0.052 above the p value of 0.05; interest in traveling has a significant positive effect on the desire to revisit showing a probability value of 0,000 below the p value of 0.05.�Keywords: Promotion Mix, Marketing Mix, Travel, Revisit��AbstrakPenelitian ini bertujuan untuk mengetahui pengaruh bauran promosi terhadap minat berwisata; pengaruh bauran promosi terhadap keinginan berkunjung ulang; dan pengaruh minat berwisata terhadap keinginan berkunjung ulang. Tujuan penelitian tersebut dibuat karena berdasarkan fakta berkunjung ulang, dikarenakan Pantai Gemah memiliki keadaan yang memprihatinkan, contohnya keadaan Pantai Gemah kurang bersih dan fasilitas kurang memuaskan. Metode penelitian ini mengunakan metode penelitian kuantitatif dengan populasi sebesar 1201 mahasiswa. Teknik pengambilan sampel menggunakan random sampling sejumlah 206 mahasiswa. Variabel terdiri dari bauran promosi (X1), minat berwisata (X2), dan keinginan berkunjung ulang (X3). Pengumpulan data menggunakan dokumen dan angket. Teknik analisis data yang digunakan adalah Structural Equation Modelling (SEM). Hasil penelitian menunjukkan bahwa: bauran promosi pengaruh positif signifikan terhadap minat berwisata menunjukkan nilai probabilitas sebesar 0,000 dibawah nilai p value 0,05; bauran promosi tidak berpengaruh positif signifikan terhadap keinginan berkunjung ulang menunjukkan nilai probabilitas sebesar 0,052 diatas nilai p value 0,05; minat berwisata berpengaruh positif signifikan terhadap keinginan berkunjung ulang menunjukkan nilai probabilitas sebesar 0,000 dibawah nilai p value 0,05.�Kata Kunci: Bauran Promosi, Marketing Mix, Berwisata, Berkunjung Ulang

Antecedents of the Youngster’s Awareness About Financial Literacy: A Structure Equation Modelling Approach

2021 ◽  
pp. 097226292199656
Author(s):  
Pallavi Dogra ◽  
Arun Kaushal ◽  
Rishi Raj Sharma
Keyword(s):  
Factor Analysis ◽  
Financial Literacy ◽  
Structural Equation ◽  
Demographic Variables ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Primary Data ◽  
Equation Modeling ◽  
Financial Products ◽  
The Impact

Financial literacy has been identified as an important functional area that attains a special concern in the Indian government policies and plans specially designed for the financial market. SEBI has issued various guidelines and awareness programs towards investment financial products, digital payment systems, consumer protection and so on. Therefore, the purpose of the present article is to analyze the level of financial literacy among youngsters in India. The study examined the relationship between the antecedents of financial literacy, that is, financial attitude, financial knowledge and financial behavior. The theoretical purposed model was tested with the help of primary data that was collected with the help of the self-structured questionnaire. A total of 647 responses were obtained from the respondents belonging to the holy city Mathura, Uttar Pradesh, India. To identify the financial literacy antecedents and their inter-relationship, exploratory factor analysis (EFA), confirmatory factor analysis (CFA) and structural equation modeling were applied to the collected data. The findings indicated that in the case of the Indian population, financial attitude and financial behavior were significantly associated with financial literacy. The moderation analysis reveals that males are more particular about financial knowledge and financial behavior in comparison to females. Respondents belonging to the age group of 26–30 years have better financial knowledge. Respondents who have income more than ₹800 thousand and below two years have more financial knowledge. This article contributes to the theoretical body of knowledge by providing insights about the interesting topic of financial literacy by identifying its antecedents. The study also highlights the impact of the demographic variables as moderators on the antecedents of financial literacy. The outcomes of the study are vital for the government in the designing of public policies. The findings are helpful for the educational program designers for the outlining of the programs and syllabus for the subjects taught in the schools and colleges. The findings are useful for the bank managers to understand the psychological behavior as well as demographic variables for the effective marketing and communication of their financial products.

Development of a financial literacy model for university students

2016 ◽  
Vol 39 (3) ◽  
pp. 356-376 ◽  
Author(s):  
Ani Caroline Grigion Potrich ◽  
Kelmara Mendes Vieira ◽  
Wesley Mendes-Da-Silva
Keyword(s):  
University Students ◽  
Financial Literacy ◽  
Structural Equation ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Public And Private ◽  
Content Type ◽  
Adjusted Model

Purpose – The purpose of this paper is to build and compare models that assess university students’ financial literacy. Financial literacy, understood as the mastery of a set of knowledge, attitudes and behaviors, has assumed a fundamental role in allowing and enabling people to make responsible decisions as they strive to attain financial wellbeing. To this end, models that integrate financial knowledge, behavior and attitude are integrated. The models are subsequently estimated, and many comparative tests are performed. Design/methodology/approach – The study investigated a random sample of 534 university students attending public and private universities in southern Brazil. The choice of scale was based on consideration of the best adjustment for the Brazilian context, appropriate translation and content validation. For an analysis of the collected data, structural equation modeling was employed using two strategies. Findings – The findings indicate that, in the model estimation stage, the scales for behavior and attitude have been reduced. Among all of the models estimated, the best adjusted model indicates that financial knowledge and financial attitude have positive impacts on financial behavior. Research limitations/implications – The results are not generalizable to the wider population; to enable such generalization, different profiles should be researched using a larger sample. In practical terms, the financial behavior of Brazilian university students expresses the ability to establish long-term aims and saving aimed at future acquisitions and unexpected spending. This behavior is directly influenced by basic and advanced questions of financial knowledge and also by the importance attributed to attitude by establishing aims, control of spending and financial reserves. Originality/value – This paper describes a pioneer study with respect to modeling financial literacy in Brazil. This topic can be improved as the need for rigorous evaluation of financial literacy grows at the same speed as the creation of more complex financial products.

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