Analisis Literasi Keuangan, Perilaku Keuangan, Dan Pendapatan Terhadap Keputusan Investasi

Research is a quantitative study that has a purpose to know the influence of financial literacy, financial behaviour and income to investment decisions. The population in this research is the permanent lecturer Faculty of Economics and Business of National Development University Veteran Jakarta. Samples were taken as many as 80 respondents, with non probability sampling methods, purposive sampling. Data collection is done by spreading the questionnaire to the sample that has been determined through Google form. Data analysis techniques used are analysis methods PLS (Partial Least Square) with Smart software PLS 3.0. The results of this study show that: (1) Financial literacy has an influence on investment decisions with the value of the line coefficient of 0.455; (2) Financial behavior has no influence on investment decisions with the value of the line coefficient 0.165; (3) Revenue has an influence on investment decisions with a line coefficient value of 0.337. Keywords: Financial Literacy; Financial Behavior; Income; Investment Decisions

Download Full-text

Perilaku Keuangan Pada Pelaku UMKM Kelurahan Cinere Depok

Jurnal Ilmiah Manajemen Kesatuan ◽

10.37641/jimkes.v8i3.356 ◽

2020 ◽

Vol 8 (3) ◽

pp. 225-238

Author(s):

Yosua Triawan Harahap ◽

Alfida Aziz ◽

Dewi Cahyani

Keyword(s):

Data Analysis ◽

Locus Of Control ◽

Financial Literacy ◽

Population Data ◽

Partial Least Square ◽

Least Square ◽

Financial Behavior ◽

Sample Collection ◽

Financial Attitudes ◽

Saturated Sample

This research is a quantitative study aimed at knowing the financial literacy, financial attitude, and locus aof control to the financial behavior of SMES in Cinere village. This research uses the SME actors in Cinere village as a population of 30 MSMES. The sample collection is done using a saturated sample means all populations as a sample, so selected 30 respondents from a registered population. Data collected by spreading questionnaires. Data analysis testing is a validity test and reusability test as well as hypothesized analysis in this study using the analysis of PLS (Partial Least Square) with the program smartPLS version 3.0 and a signification rate of 5% (0.05). The results of this study indicated that (1) Financial literacy has no significant effect on financial behavior, (2) Financial attitudes have significant effect on financial behavior, (3) Locus of control significant effect on financial behavior. Keywords: financial literacy, financial attitude, Locus of Control, Financial behavior

Download Full-text

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

AFEBI Management and Business Review ◽

10.47312/ambr.v5i1.293 ◽

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>

Download Full-text

Analisis Pengaruh Faktor-Faktor Literasi Keuangan Terhadap Keputusan Berinvestasi Pada Asuransi Jiwa di Kota Palembang

Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah ◽

10.47467/alkharaj.v4i3.740 ◽

2021 ◽

Vol 4 (3) ◽

pp. 798-812

Author(s):

Resa Novita ◽

Isni Andriana ◽

Kemas M Husni Thamrin

Keyword(s):

Life Insurance ◽

Financial Literacy ◽

Structural Equation ◽

Quantitative Research ◽

Investment Decisions ◽

Partial Least Square ◽

Least Square ◽

Primary Data ◽

Equation Modeling ◽

And Gender

The purpose of this research is to analyze the effect perceptions about financial literacy factors against the investment decisions on life insurance in Palembang. The population in this study is the owner of life insurance in Palembang, the sampling in this study is using the Purposive Sampling method with 50 respondents as samples. The type of research used is quantitative research with primary data sources obtained from distributing questionnaires to respondents. The data analysis technique in this research are descriptive and inferential statistical analysis using Structural Equation Modeling (SEM) with smartPLS (Partial Least Square) 3.0 software. The results showed that the perception of age and gender has no significant effect against the investment decisions on life insurance in Palembang, meanwhile the perception of education level and income have a significant effect against the investment decisions on life insurance in Palembang. Keywords: Age, Gender, Level of Education, Income, Investment Decisions

Download Full-text

PENGARUH MANAJEMEN PENGETAHUAN, BUDAYA ORGANISASI TERHADAP KINERJA ORGANISASI

JURNAL AKUNTANSI UNIVERSITAS JEMBER ◽

10.19184/jauj.v15i1.5553 ◽

2018 ◽

Vol 15 (1) ◽

pp. 26

Author(s):

ROFIKOTUL ARFATI

Keyword(s):

Organizational Culture ◽

Knowledge Management ◽

Data Analysis ◽

Organizational Performance ◽

Organization Culture ◽

Partial Least Square ◽

Least Square ◽

Analysis Techniques ◽

Culture Performance ◽

Questionnaire Method

This study aims to examine and analyze the influence of knowledge management and organizational culture on organizational performance. This study uses theory of Resources Based View. The study conducted by the Agency for Assessment and Application of Technology (BPPT), with 62 respondents on engineering positions. Data collected using questionnaire method that is by giving list question or questionnaire which submitted directly to respondent and also by email. Data analysis techniques in this study using Partial Least Square (PLS) with WarpPLS 3.0. The results showed that knowledge management and organizational culture have positive and significant influence on organizational performance. Keywords : Knowledge Management, Organization Culture, Performance Organization

Download Full-text

Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Keputusan Investasi Mahasiswa

Jurnal Ilmiah Akuntansi dan Humanika ◽

10.23887/jiah.v10i2.25574 ◽

2020 ◽

Vol 10 (2) ◽

pp. 126

Author(s):

I Wayan Yasa Adi Upadana ◽

Nyoman Trisna Herawati

Keyword(s):

Financial Literacy ◽

Investment Decisions ◽

Financial Behavior ◽

Descriptive Data ◽

Analysis Techniques ◽

Benchmark Data ◽

Spss Software ◽

Regression Tests ◽

Positive Effect ◽

Program Version

The purpose of this study is to find out and measure how the influence of Financial Literacy and Financial Behavior on Student Investment Decisions and also the differences in investment decisions between students of Udayana University and Ganesha Education University. This research is quantitative or related to numbers as a benchmark. Data were collected using a questionnaire or questionnaire using random sampling techniques distributed to 200 respondents or students. In this study, researchers used descriptive data analysis techniques, regression tests and t-test different tests with the help of SPSS software program version 24. The results of this study indicate that financial literacy has a positive effect on investment decisions. Financial behavior has a positive effect on investment decisions. The results of this study also showed that there were no differences in student investment decisions

Download Full-text

FINANCIAL ADVICE, LITERACY, INCLUSION AND RISK TOLERANCE: THE MODERATING EFFECT OF UNCERTAINTY AVOIDANCE

E+M Ekonomie a Management ◽

10.15240/tul/001/2021-4-007 ◽

2021 ◽

Vol 24 (4) ◽

pp. 105-123

Author(s):

Gentjan Çera ◽

Khurram Ajaz Khan ◽

Zuzana Rowland ◽

Humberto Nuno Rito Ribeiro

Keyword(s):

Financial Literacy ◽

Negative Relationship ◽

Uncertainty Avoidance ◽

Risk Tolerance ◽

Partial Least Square ◽

Financial Inclusion ◽

Least Square ◽

Special Focus ◽

Financial Advice ◽

Financial Behaviour

The aim of this paper is to investigate the determinants of financial advice with a special focus on the cultural role in the influence of risk tolerance on seeking advice for financial issues. Financial literacy is covered by financial attitude, behaviour and knowledge. Financial inclusion is the other factor considered in the conceptual framework, as an indicator which can enhance both financial behaviour and financial advice. The research is based on primary data collected in two European nations, manifesting differences in culture, which gives the possibility to test the uncertainty avoidance role in the above relationship. This particular focus is the novelty of this work, as it sheds light on the importance of culture while designing policies with the aim to enhance individuals’ financial literacy and advice. The hypotheses are tested by using Partial Least Square- Structural Equation Modelling (PLS-SEM) method. It was found that financial behaviour improves as financial inclusion gets better, along with financial attitude and knowledge. Furthermore, financial advice is positively influenced by financial inclusion and risk tolerance and partly by financial literacy. Additionally, findings demonstrate that culture does matter in explaining differences between countries. Culture in this paper is represented by uncertainty avoidance, as one of the Hofstede’s culture dimension. Individuals from countries that manifest a very high preference for avoiding uncertainty reflect a negative relationship between risk tolerance and financial advice. The paper offers useful insights for policymakers and industry leaders in understanding the most influential factors on financial advice. This enables them to scheme policies and services aimed at equipping citizens with knowledge and skills to make the best use of their financial resources.

Download Full-text

The Effect of E-Marketing with the AISAS Model on Shariah Mutual Fund Investment Decisions at Bibit Mutual Fund Fintech

JURNAL EKONOMI DAN PERBANKAN SYARIAH ◽

10.46899/jeps.v8i1.174 ◽

2020 ◽

Vol 8 (1) ◽

pp. 28-43

Author(s):

Iin Mega Nurjanah ◽

Iqbal Fadli Muhammad ◽

Muhammad Doddy AB

Keyword(s):

Data Analysis ◽

Mutual Fund ◽

Structural Equation ◽

Investment Decisions ◽

Partial Least Square ◽

Least Square ◽

Equation Modeling ◽

Action Variable ◽

Fund Investment ◽

Search Variable

This study aims to examine the effect of E-marketing with the AISAS model on mutual fund investment decisions. This research using quantitative research. Data was obtained by distributing online questionnaires to 34 respondents who had or were investing in Bibit Mutual Fund Fintechs that had been registered in the OJK. The sampling technique in this study is purposive sampling, while the Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach is using a data analysis technique. Based on the results of data analysis, Attention variable has a significant effect on Interest variable, Interest variable has a significant effect on Search variable, Search variable has a significant effect on Action variable, Action variable has a significant effect on Share variable, and Share variable has a significant effect on Investment Decisions. Keywords: E-Marketing; Investment Decision; AISAS Model

Download Full-text

PERMODELAN POLA PERENCANAAN KEUANGAN BERDASARKAN STATUS PERNIKAHAN

BAREKENG JURNAL ILMU MATEMATIKA DAN TERAPAN ◽

10.30598/barekengvol15iss4pp773-784 ◽

2021 ◽

Vol 15 (4) ◽

pp. 773-784

Author(s):

Lukmanul Hakim ◽

Sri Andriani ◽

Nenny Noor Umami

Keyword(s):

Structural Equation Modeling ◽

Marital Status ◽

Financial Literacy ◽

Financial Planning ◽

Financial Management ◽

Structural Equation ◽

Partial Least Square ◽

Least Square ◽

Financial Behavior ◽

Equation Modeling

A Marital status at community can make an impact on financial management. The purpose of this study was to analyze financial planning based on marital status with the variables of financial attitude, financial behavior, and financial literacy towards people who live in Sumbawa. The data were analyzed using Structural Equation Modeling Partial Least Square (SEM-PLS) through smartPLS version 3.0 software. The results of the analysis in this study indicate that (1) financial attitude has a significant effect on financial behavior both based on married and unmarried status, (2) financial attitude has a significant effect on financial literacy both based on married and unmarried status, (3) financial attitude has an effect significant on financial planning based on both married and unmarried status, (4) financial behavior has no significant effect on financial literacy both based on married and unmarried status, (5) financial behavior has no significant effect on financial planning both based on married and unmarried status, (6) financial literacy has no significant effect on financial planning based on both married and unmarried status, and (7) There is no difference in financial planning based on marital status

Download Full-text

Analisis Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Tingkat Pendidikan Terhadap Perilaku Keuangan Pelaku Umkm Kedai/Warung Makanan Di Desa Bahagia Kabupaten Bekasi

Aliansi : Jurnal Manajemen dan Bisnis ◽

10.46975/aliansi.v16i2.100 ◽

2021 ◽

Vol 16 (2) ◽

pp. 61-70

Author(s):

Puput Andriyani ◽

Ari Sulistyowati

Keyword(s):

Data Collection ◽

Significant Influence ◽

Financial Literacy ◽

Sampling Technique ◽

Education Level ◽

Partial Least Square ◽

Financial Inclusion ◽

Least Square ◽

Financial Behavior ◽

Data Collection Technique

This study aims to determine the effect of financial literacy on financial behavior, the effect of financial inclusion on financial behavior, and the effect of education level on financial behavior. The method in data processing used in this research is to use PLS (Partial Least Square) with the object of research being SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The sampling technique used was purposive probability with the form of non-probability sampling. The data collection technique used a questionnaire as many as 106 SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The results of this study indicate that there is a significant influence of financial literacy on the financial behavior of SMEs in food stalls/food stalls in Bahagia Village with t statistics 2.618 greater than t table 1.659, and a significant value of financial inclusion on financial behavior with t statistics 2.462 greater than t table 1.659, as well as the significant value of education level on the financial behavior of SMEs in food stalls/shops in Bahagia Village with a t statistics of 2.689 which is greater than a t table of 1.659.

Download Full-text