scholarly journals Factors Affecting Financial Literacy In The Use Of Financial Institutions Products and Services

2022 ◽  
Vol 1 (1) ◽  
pp. 15-22
Author(s):  
Ni Kadek Kiki Novita MAHAENI ◽  
A.A. Ketut JAYAWARSA ◽  
Kompiang BAGIADA
Keyword(s):  
Financial Institutions ◽  
Financial Literacy ◽  
Significant Positive Effect ◽  
Factors Affecting ◽  
Parental Income ◽  
Positive Effect ◽  
Area Of Origin

This study aimed to determine the effect of gender, parental income, and area of origin on financial literacy in the simultaneous and partial use of financial ins titution products and services among active students in the fifth semester of the Faculty of Economics and Business Warmadewa University. The results showed that gender, parents' income, and area of origin had a significant positive effect on financial literacy in the use of products and services of financial institutions. Then partially, gender has a significant positive effect on financial literacy in the use of products and services of financial institutions, while the income of parents and area of origin has no effect on financial literacy in the use of products and services of financial institutions.

scholarly journals PENGARUH EFEKTIFITAS KOMITE AUDIT TERHADAP FINANCIAL DISTRESS

2018 ◽  
Vol 8 (1) ◽  
pp. 53
Author(s):  
Evi Rahmawati ◽  
Prasetya Herlambang
Keyword(s):  
Financial Literacy ◽  
Financial Distress ◽  
Audit Committee ◽  
Stock Exchange ◽  
Financial Knowledge ◽  
Audit Committees ◽  
Significant Positive Effect ◽  
Manufacturing Companies ◽  
Factors Affecting ◽  
Positive Effect

This study examines the effect of the size of the audit committee, the independence of the  audit committee, frequency of meetings; financial literacy; liquidity; leverage and profitability towards company’s financial distress. This study uses manufacturing companies listed on the Indonesia Stock Exchange (IDX), Malaysia Stock Exchange (KLSE) and Singapore Stock Exchange (SGX) period 2014-2015. The number of manufacturing companies that is used in this study comprises of 124 Indonesian companies; 138 Malaysian companies and 98 Singapore companies. This study also analyzes the effect of company’s financial distress towards the possibility of fraud. The results of this study shows that there is a significant positive effect of leverage towards financial distress in Indonesia and in Singapore. There are differences in factors affecting financial distress in Indonesia and Malaysia. There are differences in factors affecting financial distress in Indonesia with Singapore. As for the size of the audit committee, the independence of audit committees, frequency of meetings, financial knowledge, liquidity, and profitability do not affect significantly towards company’s financial distress.

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>

scholarly journals Pengaruh gaya hidup, kecerdasan emosional dan literasi keuangan terhadap rasionalitas konsumsi mahasiswa pendidikan ekonomi angkatan 2018 Universitas Negeri Malang

2021 ◽  
Vol 1 (7) ◽  
pp. 697-686
Author(s):  
Aida Miftachul Jannah ◽  
Lisa Rokhmani
Keyword(s):  
Emotional Intelligence ◽  
Financial Literacy ◽  
Random Sampling ◽  
Linear Regression Analysis ◽  
Economic Education ◽  
Economics Education ◽  
State University ◽  
Significant Positive Effect ◽  
Education Students ◽  
Positive Effect

Abstract In this modern era, the world is enjoying the phenomenon of increasingly rapid technological development, this phenomenon is called the industrial revolution 4.0. Humans will be required to become more rational individuals in carrying out consumption activities and also to fulfill various desires that arise in them. This study aims to determine the partial and simultaneous influence on lifestyle, emotional intelligence, and financial literacy on consumption rationality in 2018 Economics Education students, State University of Malang. This research uses a quantitative approach with quantitative descriptive research. The population of this research is all students of economic education class 2018 State University of Malang. The technique used in sampling is proportional random sampling. To determine the sample size is calculated using the Slovin formula. This study used a sample of 99 students spread over 6 classes from a population of 131 students. The instruments in this study were questionnaires and multiple-choice tests. The data analysis method in this study uses multiple linear regression analysis with the help of the SPSS version 25 program. The results of the analysis in this study show that: (1) Lifestyle has a significant effect on consumption rationality. (2) Emotional Intelligence has a significant positive effect on consumption rationality. (3) Financial Literacy has a significant positive effect on the rationality of student consumption. (4) Lifestyle, emotional intelligence, and financial literacy affect the consumption rationality of 2018 Economics Education students Abstrak Pada era modern ini dunia sedang menikmati fenomena perkembangan teknologi yang semakin pesat, fenomena ini disebut dengan revolusi industri 4.0. Manusia akan dituntut untuk lebih menjadi individu yang rasional dalam melakukan kegiatan konsumsi dan juga untuk memenuhi berbagai keinginan yang muncul dalam dirinya. Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial dan simultan pada gaya hidup, kecerdasan emosional dan literasi keuangan terhadap rasionalitas konsumsi pada mahasiswa Pendidikan Ekonomi angkatan 2018 Universitas Negeri Malang. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian deskriptif kuantitatif. Populasi penelitian ini adalah seluruh mahasiswa pendidikan ekonomi angkatan 2018 Universitas Negeri Malang. Teknik yang digunakan dalam pengambilan sampel adalah proportional random sampling. Untuk menentukan besarnya sampel dihitung dengan menggunakan rumus slovin. Penelitian ini menggunakan sampel sebesar 99 mahasiswa yang tersebar di 6 kelas dari populasi yang berjumlah 131 mahasiswa. Instrumen dalam penelitian ini adalah angket dan tes pilihan ganda. Metode analisis data dalam penelitian ini menggunakan analisis regresi linear berganda dengan bantuan program SPSS versi 25. Hasil analisis dalam penelitian menunjukkan bahwa: (1) Gaya Hidup berpengaruh signifikan terhadap rasionalitas konsumsi. (2) Kecerdasan Emosional berpengaruh positif signifikan terhadap rasionalitas konsumsi. (3) Literasi Keuangan berpengaruh positif signifikan terhadap rasionalitas konsumsi mahasiswa. (4) Gaya hidup, kecerdasan emosional dan literasi keuangan berpengaruh terhadap rasionalitas konsumsi mahasiswa Pendidikan Ekonomi angkatan 2018.

scholarly journals IS BEHAVIOR FINANCE AFFECTED BY INCOME, LEARNING FINANCE AND LIFESTYLE?

2021 ◽  
pp. 29-40
Author(s):  
Aulia Rahman ◽  
Asep Risman
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Financial Literacy ◽  
Financial Behavior ◽  
Primary Data ◽  
Significant Positive Effect ◽  
Analysis Technique ◽  
Data Collection Process ◽  
Behavior Finance ◽  
Positive Effect

The purpose of this study is to determine whether there is a relationship between financial behavior based on income, financial literacy and a personal lifestyle. This study uses primary data through a data collection process by distributing questionnaires online (using Google Forms) among the total of 50 respondents. The data analysis technique used here is SPSS, version 25. The results of this study indicate that there is a significant positive effect between financial literacy variables and financial behavior. Meanwhile, income and lifestyle variables seem to have no influence on financial behavior.

scholarly journals Factors Affecting Financial Performance Of District/City Local Government Of Yogyakarta

2017 ◽  
Vol 2 (1) ◽  
Author(s):  
Aristyan Jeffri Nugroho ◽  
Martianus Budiantara
Keyword(s):  
Local Government ◽  
Financial Performance ◽  
Multiple Regression ◽  
The Other ◽  
Significant Positive Effect ◽  
Efficiency Ratio ◽  
Factors Affecting ◽  
Financial Report ◽  
Other Hand ◽  
Positive Effect

The  research aims to find out factors of financial performance of local goverment regencies or city in Yogyakarta. Independent variabel are wealth of local goverment, dependence with central goverment, and local goverment expenditures. On the other hand the dependent variable is financial performance of local goverment as measured by the efficiency ratio. Population of this research are local goverment financial report (LKPD) of Yogyakarta period 2010-2014 audited by BPK. The sample are estimate realization report (LRA) all regencies or city and the province of Daerah Istimewa Yogyakarta. Hypothesis of this research were examined by using multiple regression in SPSS 16 software. Result of this reearch indicate that wealth of local goverment have significant positive effect on the financial performance of local goverment. Dependence with central goverment have significant positive effect on the financial performance of local goverment. Then, local goverment expenditures also have significant positive effect on the financial performance of local goverment.   Faktor-faktor yang mempengaruhi kinerja keuangan pemerintah daerah kabupaten/kota yogyakarta

scholarly journals Analisis Faktor-Faktor Yang Mempengaruhi Kepatuhan Wajib Pajak Dalam Membayar Pajak Bumi Dan Bangunan

2020 ◽  
Vol 21 (01) ◽  
Author(s):  
Yuwita Ariessa Pravasanti
Keyword(s):  
Quantitative Research ◽  
Sampling Method ◽  
Linear Regression Analysis ◽  
Tax Compliance ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Significant Positive Effect ◽  
Factors Affecting ◽  
Positive Effect ◽  
Selection Of

This study aims to examine analysis of factors affecting on taxpayer compliance. This type of research includes quantitative research using primary data obtained directly by respondents using a questionnaire. The population in this study were all land and building taxpayers in Tawengan Village. The method used in the selection of samples is purposive sampling method using solvin formula and set samples based on criteria determined by researchers. Respondents in this study were 138 respondents. Based on the results of processing primary data (questionnaires) with multiple linear regression analysis methods, F test and t test known variables of taxation socialization, understanding taxation procedures, awareness of taxpayers and tax sanctions simultaneously significantly influence taxpayer compliance. Partially, this study shows that tax socialization and tax sanctions have a significant positive effect on tax compliance. While understanding taxation procedures and awareness of taxpayers does not have a significant influence on taxpayer compliance in paying land and building taxes

scholarly journals The Impact of Directors’ and Officers’ Liability Insurance on Corporate Performance: An Empirical Evidence from the Data of Chinese Listed Financial Enterprises

2020 ◽  
Vol 7 (1) ◽  
pp. 35-45
Author(s):  
Zhe Sun
Keyword(s):  
Significant Positive Correlation ◽  
Corporate Performance ◽  
Liability Insurance ◽  
Insurance Companies ◽  
Significant Positive Effect ◽  
Factors Affecting ◽  
Directors And Officers ◽  
The Impact ◽  
The Relationship ◽  
Positive Effect

 Based on data of the listed banks and insurance companies from 2011-2016, this paper studies the factors affecting directors’ and officers’ liability insurance, the relationship between directors’ and officers’ liability insurance and corporate performance. Empirical research shows that there is a significant positive correlation between the company’s asset-liability ratio, corporate performance and directors’ and officers’ liability insurance. Directors’ and officers’ liability insurance has a significant positive effect on corporate performance of listed banks and insurance companies. The empirical findings of this paper will help to strengthen the understanding of directors’ and officers’ liability insurance in bank and insurance companies and promote the widespread use of directors’ and officers’ liability insurance in the future.

scholarly journals Influence Cross Membership and Qualifications of The Shari’ah Supervisory Board’s Towards The Shari’ah Compliance related SSB Information

2020 ◽  
Vol 6 (1) ◽  
pp. 20
Author(s):  
Iwan Fakhruddin ◽  
Mohd. Abdullah Jusoh ◽  
Norlia Mat Noerwani
Keyword(s):  
Financial Institutions ◽  
Firm Size ◽  
Control Variable ◽  
Supervisory Board ◽  
Significant Positive Effect ◽  
Coefficient Estimates ◽  
Control Variables ◽  
Compliance Level ◽  
Islamic Financial Institutions ◽  
Positive Effect

The purpose of this paper to analyze the influence of Shari’ah Supervisory Board Cross Memberships and Shari’ah Supervisory Board Qualification toward Shari’ah compliance related SSB information. In addition, this paper also explains the variable firm size as a control variable. The use of control variables so that the influence of SSB on compliance does not depend on other variables. This study reviews the Shari’ah compliance related SSB information as stated in the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) standard, primarily compliance level with AAOIFI standards No 1 and No 5 related to Shari’ah Supervisory Board (SSB). This paper finds that’s the coefficient estimates variable of SSB Cross membership is positive significant at the 10% level. The coefficient estimates on SSB Qualification is negative significant at the 5% level. Furthermore, we also find that the bank size as a control variable has a significant positive effect at 1% level.

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

2020 ◽  
Vol 5 (01) ◽  
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>

scholarly journals Effect of Financial Literation and Financing-Effectivity toward the Growth of Small Enterprises: Case Study in Bank Syariah Mandiri, Majalengka

2019 ◽  
Vol 4 (2) ◽  
pp. 163
Author(s):  
Robiatul Hikmah ◽  
Diana Djuwita ◽  
Ridwan Widagdo
Keyword(s):  
Linear Regression ◽  
Financial Literacy ◽  
Quantitative Research ◽  
Business Development ◽  
Small Enterprises ◽  
Test Results ◽  
Significant Positive Effect ◽  
Simultaneous Test ◽  
Positive Effect

Purposes: This study aims to determine the effect partially and simultaneously between financial literacy and financing effectiveness on business development in Micro Warung financing in Bank Syariah Mandiri Majalengka Branch.Design/Methodology/Approach: This study uses a type of quantitative research. The number of samples is 80 respondents. The technique of collecting data through questionnaires and documentation.Analysis of the data used are research instruments, classical assumptions, multiple linear regression, determinant test, and hypothesis testing, research using SPSS version 20.Findings: The partial test results show that financial literacy variables have a significant positive effect on business development, financing effectiveness has a significant positive effect on development business. The simultaneous test results show that there is a positive and significant influence between financial literacy and financing effectiveness on business development. The effect of financial literacy and financing effectiveness contributes 73.12% to business development.Originality/Value: Main contribution of the article is identified from its issues selected to reach new insight on relationship between financial literation, financing effectivity toward growth of small enterprises. This, exactly, can be a model for previous research on related-issues.

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