scholarly journals A Study on the Influence of Islamic Financial Literacy in Managing Cash and Debt Among Millennial in Indonesia

2021 ◽  
pp. 246-263
Author(s):  
Ledy Mahara Ginting ◽  
Nur Harena Redzuan
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Income Level ◽  
Educational Background ◽  
Debt Management ◽  
Age Group ◽  
Financial Industry

Indonesia is currently experiencing a demographic dividend, where the total population of productive age is higher than the total of un-productive age. The most numerous groups in this productive age group are the millennials aged 20 to 40 years, which required them to have sufficient knowledge of Islamic financial literacy. Therefore, this study aims to measure the level of Islamic financial literacy of millennials in Aceh, Indonesia and to investigate its effects on managing cash and debt. The influence of demographic factors is also examined in this study namely gender, age, educational background, and income level. By using multiple linear regression analysis, the result shows that the level of Islamic financial literacy, educational background, and income level significantly affects cash and debt management. The results of this study can be references for the Islamic financial industry in Aceh and for its government. The millennial seems to be ready for the new provisions that will be implemented in relation to the Islamic financial industry in Aceh.

scholarly journals Pengaruh Latar Belakang Pendidikan dan Seleksi Terhadap Kompetensi dan Kinerja di Moderasi Pengawasan Pada Program BSPS Provinsi Riau

2020 ◽  
Vol 10 (2) ◽  
pp. 178-187
Author(s):  
Bambang Priatama
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Public Housing ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Educational Background ◽  
Public Works ◽  
Background Selection ◽  
Field Workers ◽  
And Performance

The study was conducted at the Ministry of Public Works and Public Housing Snvt Provision of Housing in Riau Province. The aim is to find out the direct effect of educational background and selection, on the competence and performance of field workers with supervision as a moderating variable. This study took a sample of 128 people. The variables used are educational background, selection, competence and performance and supervision. Data were analyzed using multiple linear regression analysis methods operated through the SPSS program. The results showed that there was an influence of educational background and selection on the competence of field workers. And simultaneously there is an influence of educational background and selection on competence. And there is an effect of competence on performance which is moderated by supervision. The better the supervision, the competence of field staff will increase.

scholarly journals The Effect of Financial Literacy and Financial Inclusion on Retirement Planning

2019 ◽  
Vol 1 (1) ◽  
pp. 49-58
Author(s):  
Rahmat Aryo Baskoro ◽  
◽  
Rensi Aulia ◽  
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Literacy ◽  
Quantitative Method ◽  
Linear Regression Analysis ◽  
Retirement Planning ◽  
Multiple Linear Regression Analysis ◽  
Financial Inclusion ◽  
Monthly Income

This study aims to determine the effect of financial literacy and financial inclusion on retirement planning. This study used a quantitative method with 236 respondents and processed by the method of multiple linear regression analysis. The results of the study show that financial literacy and financial inclusion have a significant effect on retirement planning, means that the higher financial literacy and financial inclusion of a person, the better their retirement planning. In addition, the results of the study showed that respondents were dominated by moderate financial literacy levels with a percentage of 55.08%, moderate financial inclusion levels with a percentage of 57.20% and high retirement planning levels with presentations of 52.54% of the total respondents. Researchers also conduct additional research by choosing one of the demographic factors, which is monthly income. The results that monthly earnings also influence retirement planning where the higher a person's monthly income, the better their retirement planning.

scholarly journals Pengaruh Gender, Usia, IPK Terhadap Literasi Keuangan Mahasiswa Jurusan Akuntansi Politeknik Negeri Malang

2019 ◽  
Vol 26 (1) ◽  
pp. 15
Author(s):  
Atika Syuliswati
Keyword(s):  
Regression Analysis ◽  
Data Analysis ◽  
Linear Regression ◽  
Financial Literacy ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Analysis Method ◽  
Department Of State ◽  
Positive Effect

The purpose of this study was to examine the direct effect of variables gender, age, GPA to financial literacy. This research is a quantitative research and the sample consist of 142 students Accounting Department of State Polytechnic Malang. Data analysis method used in this research is multiple linear  regression analysis with the help of SPSS Version 21 program. The results showed gender, age, and GPA significant and positive effect on financial literacy.

scholarly journals PENGARUH PENGALAMAN KEUANGAN DAN TINGKAT PENDAPATAN TERHADAP PERILAKU KEUANGAN KELUARGA DI DESA YOSOWILANGUN KECAMATAN MANYAR GRESIK

MANAJERIAL ◽  
2019 ◽  
Vol 6 (01) ◽  
pp. 48
Author(s):  
Wasti Reviandani
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Income Level ◽  
Financial Behavior ◽  
Economic Activities

This study analyzes the effect of financial experience and income level on family financial behavior. This research took place in Yosowingaun village in Manyar Gresik sub-district, which was inhabited by 9490 residents with economic activities including trading, farming, or being employees. The samples taken from this study were 38 people using multiple linear regression analysis, the results of this study that Financial experience and the level of opinion of citizens significantly influence family financial behavior in Yosowilangun village, Manyar Gresik sub-distric

scholarly journals Student Investor’s Attentiveness In Islamic Stocks

2021 ◽  
Vol 6 (1) ◽  
pp. 58-77
Author(s):  
Ana Fitria ◽  
Teuku Syifa Fadrizha Nanda ◽  
Dhea Purnama Nurman
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Stock Market ◽  
Financial Literacy ◽  
Research Method ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Public Companies ◽  
Independent Variables ◽  
Banda Aceh

The stock market is a meeting place for investors and go public companies, one of parties included in investors is student of faculty of economics and business that is expected to become an expert in the stock market. Student investor’s attentiveness is influenced by several factors such as the return perception and financial literacy. This study employs a quantitative associative approach while a set of questionnaire were asked to students of Faculty of Islamic Economics and Business, UIN Ar-Raniry Banda Aceh. Using multiple linear regression analysis, it showed that both return perception and financial literacy affect investment attentiveness. However, both independent variables only contribute 29% to affect dependent variable; there are other variables affect the investment attentiveness which were not included in this study. Either adding more variables or using different type of research method is suggested for further study.

scholarly journals Analisis Pendapatan Usaha Ayam Broiler pada Pola dan Skala Yang Berbeda di Peternakan Rakyat Kabupaten Lumajang

2018 ◽  
Vol 18 (1) ◽  
Author(s):  
Gilang Nursandhi
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Income Level ◽  
Production Costs ◽  
Small Scale ◽  
Income Levels ◽  
Free Variables

This research aims to analyze the difference in the level of revenues savor independent patterns and patterns of partnership at different scales, analyze business patterns and scale venture capable of producing the most income levels are high, analyze the relationship between the pattern and scale of effort against the income level, as well as to analyze the influence of factors of production costs against revenue level savor in Lumajang. Research conducted from 1 July until 31 September 2017 using data at one time production period. Sampling determined deliberately by grouping the respondents based on a combination of the pattern of independent business and partnerships, as well as household business scale, small, and medium. The population that used as many as 60 breeders consisting of 10 samples in each group of a combination of patterns and business scale. Data analysis is an analysis of income and multiple linear regression analysis. Bound variables in this study are the level of revenues savor (Y), with free variables that comprise the cost of day-old chick (X1), feed (X2), vaccines, medications, vitamins, and disinfectants (X3), laborer (X4), preparation cost of enclosure and fuel (X5), electricity (X6), depreciation cost of enclosure and equipment (X7), and the pattern of effort selected breeders (D) to run his business. The results of the analysis showed that the level of income breeders partnership is higher than a standalone pattern breeder (3.169 rupiahs > 2.801 rupiahs), whereas small-scale dairy farmers income levels greater than large-scale ranchers and scale house appliances (3.926 rupiahs > 2.564 rupiahs > 2.466 rupiahs). Combinations of patterns of partnership with small-scale yielding the highest income levels compared to the pattern and scale of other businesses. Multiple linear regression analysis results on F test shows that that simultaneously throughout the free variables (X1, X2, X3, X4, X5, X6, X7, and D) effect significantly to the variable (Y). Results on t-test showed that partially variables X1, X2, X3, X4, X7 and influential significantly to variable Y, whereas the variable X5, X6, and D do not affect significantly to the variable Y.Keywords : Income level, Business pattern, and Business scale.

scholarly journals PENGARUH TINGKAT PENDAPATAN DAN PENGELOLAAN DANA ZAKAT TERHADAP KEPATUHAN MASYARAKAT MEMBAYAR ZAKAT DI KABUPATEN BIREUEN

2018 ◽  
Vol 5 (1) ◽  
pp. 25
Author(s):  
Murhaban Murhaban ◽  
Merawati Merawati
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Analytical Method ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Income Level ◽  
Primary Data ◽  
Probability Sampling

This study aims to determine the effect of the income level and management of zakat funds on the community compliance to pay zakat in Bireuen Regency. The sampling technique used is probability sampling technique with the number of respondents as many as 62 people. The data used in this study is in the form of primary data in the form of questionnaires. The analytical method used is multiple linear regression analysis with the help of SPSS program. The results of this study indicate that the level of income has a significant effect on the community compliance to pay zakat in Bireuen Regencyt and the management of zakat funds has no significant effect on the community compliance to pay zakat in Bireuen Regency.

scholarly journals Antecedents Effect of Financial Inclusion for the People of North Sumatera

2019 ◽  
Vol 2 (4) ◽  
pp. 401-408
Author(s):  
Adelina Lubis ◽  
Ritha Dalimunthe ◽  
Chandra Situmeang
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Financial Inclusion ◽  
The People ◽  
North Sumatra ◽  
Financial Technology

This study aims to determine the effect of financial literacy and financial technology (fintech) partially influencing financial inclusion in the people of North Sumatra, then to determine the effect of financial literacy and financial technology (fintech) simultaneously influencing financial inclusion in the people of North Sumatra. The research samples are 100 respondents. The method of analysis in this study is multiple linear regression analysis. The results of the regression analysis partially show financial literacy and financial technology have a positive and significant effect on financial inclusion in the people of North Sumatra. Simultaneously financial literacy and financial technology affect financial inclusion in society North Sumatra. The most dominant variable affecting financial inclusion is financial literacy.

scholarly journals PENGARUH MOTIVASI DAN LITERASI KEUANGAN TERHADAP MINAT BERINVESTASI PADA PASAR MODAL SYARIAH

2021 ◽  
Vol 1 (1) ◽  
pp. 78-89
Author(s):  
Wan Gustina Indah Sari ◽  
Debbi Chyntia Ovami
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Undergraduate Students ◽  
Capital Markets ◽  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Computer Application ◽  
Primary Data

The objective of this research was to test and analyze the influence of motivation and financial literacy on investment interest in Islamic capital markets with case studies of students of Universitas Muhammadiyah Sumatera Utara. This research used primary data, namely by spreading questionnaires through google form. Respondents in this research were undergraduate students majoring in accounting in 2018 and 2019. The number of samples in this research was 125 respondents. From the spread of the questionnaire, as many as 102 respondents (the number who filled out the questionnaire) that can be processed and analyzed with the help of the SPSS Computer Application Version 25 for windows. The statistical method used to test hypotheses was multiple linear regression analysis. The results showed that motivational variables and financial literacy variables simultaneously affect the variables of interest in investing in Islamic capital markets. This was evidenced by the Fobserved value of 116,999 and Ftable 3.09 with a significance of 0.000. The results also showed that motivational variables and financial literacy partially affected investing interests. This was evidenced by the value of tobserved > ttable where the value of tobserved motivation variable of 11,746 and the value of tobserved variable financial literacy of 3.533 while the value of ttable amounted to 1.660391.

scholarly journals Literasi Keuangan Dan Perilaku Keuangan Karyawan Swasta di Kabupaten Jepara

2020 ◽  
Author(s):  
Hadi Ismanto ◽  
Nisa Ihlasul Amaiyah
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Demographic Factors ◽  
Multiple Linear Regression Analysis ◽  
Financial Behavior ◽  
Coefficient Of Determination ◽  
Validity And Reliability

Financial behavior is an interesting topic, given the consumptive Indonesian society. This study aims to analyze the relationship of financial literacy and demographic factors in determining the financial behavior of private employees in Jepara Regency. The sampling method uses purposive sampling and data is measured using a Likert scale 1 to 5. Data are analyzed using a quantitative approach including validity and reliability, multiple linear regression analysis, coefficient of determination, F-test, and t-test. The results of this study indicate that age, education level, income, and financial literacy simultaneously determine the financial behavior of private employees, but individually income does not affect financial behavior. High-income private employees need to control behavior in managing finances, reducing consumer spending and managing finances well. Keywords: multiple linear regression analysis, demographic factors, education, financial behavior, financial literacy

Sign in / Sign up

Export Citation Format

Share Document