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

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.

scholarly journals The Effect of Financial Literacy and Financial Inclusion on Small Enterprises Performance in East Kalimantan

2019 ◽  
Vol 15 (1) ◽  
pp. 48-59 ◽  
Author(s):  
Poppy Alvianolita Sanistasya ◽  
Kusdi Raharjo ◽  
Mohammad Iqbal
Keyword(s):  
Financial Literacy ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Quantitative Approach ◽  
Small Enterprises ◽  
Probability Sampling ◽  
East Kalimantan ◽  
Level Analysis

AbstractThe aim of this paper is to find out the effect of financial literacy on enterprises (SEs) performance and the effect of financial inclusion on small enterprises (SEs) performance. This research is an explanatory research. The sample includes 100 SEs in East Kalimantan. The sample is gathered by using non probability sampling technique. By implementing census approach the data is gathered from all SEs in East Kalimantan. This study was a quantitative approach and data were analyzed using PLS (Partial Least Square). The unit of level analysis is the SEs business players in East Kalimantan. The results showed a positive and significant effect of financial literacy on enterprises (SEs) performance and, financial inclusion positively affects the performance of small enterprises (SEs). Keywords: financial literacy, financial inclusion, small enterprises performancePengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan TimurAbstrakPenelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan terhadap kinerja usaha kecil, dan pengaruh inklusi keuangan terhadap kinerja usaha kecil. Jenis penelitian ini adalah penelitian explanatory. Sampel penelitian adalah 100 UMKM yang ada di Kalimantan Timur. Sampel dikumpulkan menggunakan teknik non probability sampling dengan pendekatan sensus yaitu mengambi seluruh UMKM yang beroperasi di Kalimantan Timur untuk dijadikan sampel dan dilakukan pengujian untuk menjawab isu penelitian yang diangkat. Penelitian ini bersifat kuantitatif dan menggunakan alat analisis PLS (Partial Least Square). Level unit analisis penelitian ini adalah pelaku usaha kecil di Kalimantan Timur. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh secara signifikan terhadap kinerja usaha kecil dan inklusi keuangan memiliki pengaruh signifikan terhadap kinerja usaha kecil. Kata kunci: literasi keuangan, inklusi keuangan, kinerja usaha kecil

scholarly journals The Role of Financial Behavior in Improving Investment Decision: Empirical Evidence of The Students of Economics and Business Faculty UPN “Veteran” Jawa Timur

2020 ◽  
Vol 3 (1) ◽  
pp. 21-28
Author(s):  
Delvia Istiana ◽  
Dhani Ichsanuddin Nur
Keyword(s):  
Decision Making ◽  
Loss Aversion ◽  
Investment Decision ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Investment Decision Making ◽  
Anchoring Bias ◽  
Data Collection Technique

Financial behavior can understand the behavior of investors in making investment decisions. Investment decision making is a process of selecting the best alternative from a number of alternatives that are available under the influence of complex situations. Investment decision making is influenced by several factors, namely Anchoring Bias, Loss Aversion, and Overconfidence. The purpose of this research is to examine the contribution of Anchoring Bias, Loss Aversion, and Overconfidence of Active Students in the Faculty of Economics and Business UPN “Veteran” East Java as investors in improving investment decision making. The sampling technique used was purposive sampling with the sample determination technique using the Slovin formula. This study used 99 investor respondents who had invested more than three months and were active students of the Faculty of Economics and Business, UPN "Veteran" East Java. The data collection technique used a questionnaire which was then analyzed using a quantitative descriptive method with the Partial Least Square (PLS) model. The results of this study indicate that Anchoring Bias can contribute to improving investment decision making, Loss Aversion can contribute to improving investment decision making, and Overconfidence can contribute to improving investment decision making

scholarly journals INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA DAN KEBERLANGSUNGAN SEKTOR USAHA MIKRO KECIL MENENGAH

2021 ◽  
Vol 10 (1) ◽  
pp. 135-152
Author(s):  
Mei Ruli Ninin Hilmawati ◽  
Rohmawati Kusumaningtias
Keyword(s):  
Financial Literacy ◽  
Business Performance ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Least Square ◽  
Sustainable Business ◽  
Great Opportunity ◽  
Independent Variables ◽  
Dependent Variables ◽  
Least Square Approach

Abstrak: Inklusi Keuangan dan Literasi Keuangan terhadap Kinerja dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Suatu kinerja unggul dan bisnis yang berkelanjutkan dapat terwujud apabila terdapat upaya-upaya strategis yang dilakukan. Jawa Timur merupakan salah satu provinsi dengan jumlah UMKM yang cukup banyak memiliki peluang yang besar untuk meningkatkan perekonomian Indonesia. Penelitian ini dilakukan untuk menganalisis pengaruh inklusi keuangan dan literasi keuangan terhadap kinerja dan keberlangsungan sektor UMKM yang terdapat di Kota Surabaya. Penelitian ini merupakan penelitian kuantitatif dengan inklusi keuangan (INKA) dan literasi keuangan (LIKA) sebagai variabel independen, serta kinerja usaha (KIUS) dan keberlangsungan usaha (KEUS) sebagai variabel dependen. Sampel pada penelitian ini berjumlah 113 UMKM yang kemudian dilakukan analisis dengan pendekatan Partial Least Square. Hasil penelitian menyimpulkan bahwa inklusi keuangan tidak berpengaruh terhadap kinerja dan keberlangsungan sektor UMKM. Sedangkan literasi keuangan memiliki pengaruh yang terhadap kinerja dan keberlangsungan sektor UMKM.Kata kunci: Inklusi Keuangan, Literasi Keuangan, Kinerja Bisnis, Keberlangsungan Bisnis, UMKMAbstract: Financial Inclusion and Financial Literacy on the Performance an Sustainability of the MSMEs. Excellent performance and sustainable business can be realized if there are strategic efforts. East Java, as one of the Province with a large number of MSMEs that have a great opportunity to improve the Indonesian economy. This study was conducted to analyze the effect of financial inclusion and financial literacy on the performance and sustainability of MSMEs in Surabaya. This research is a quantitative study with independent variables are financial inclusion (INKA) and financial literacy (LIKA), and the dependent variables are business performance (KIUS) and business continuity (KEUS). The sample in this study amounted to 113 MSMEs which were then analyzed using the Partial Least Square approach. this study concludes that financial inclusion has no effect on the performance and sustainability of MSMEs. while financial literacy has a influence on the performance and sustainability of MSMEs. Keywords: Financial Inclusion, Financial Literacy, Business Performance, Sustainability, MSMEs

scholarly journals PENGARUH CREATIVE PSYCHOLOGY CAPITAL MEMEDIASI SENSITIVITAS ETIS TERHADAP JOB PERFORMANCE

2018 ◽  
Vol 3 (1) ◽  
Author(s):  
Syaikhul Falah
Keyword(s):  
Data Collection ◽  
Job Performance ◽  
Sampling Method ◽  
Psychological Capital ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Ethical Sensitivity ◽  
Analysis Technique ◽  
Pls Analysis

This study aims to analyze the psychological aspects (creative psychology capital and ethical sensitivity) to the performance. This research was conducted in several hospitals in Jayapura City. Data collection in this research is using questionnaire where respondent in this research is staff of finance or administration and program. The sampling technique used in this research is census sampling method. The number of research samples taken as many as 38 respondents. This research uses Partial Least Square (PLS) analysis technique. The result of this study shows that the developed hiptotesi significantly influence the performance. Keywords: Psychological Capital, Ethical Sensitivity and Job Performance, hospital

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 Factors Affecting Non-Performing Financing at Islamic Commercial Banks in Indonesia

2020 ◽  
Vol 9 (1) ◽  
pp. 38-45
Author(s):  
Ayu - Retnowati ◽  
Prabowo Yudo Jayanto
Keyword(s):  
Significant Influence ◽  
Structural Equation ◽  
Sample Selection ◽  
Operating Cost ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Capital Adequacy ◽  
Equation Modeling ◽  
Analysis Tool

This study aims to determine the effect of Inflation, Gross Domestic Product (GDP), Operational Income Operating Cost (BOPO), Financing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) to Non Performing Financing (NPF). The population in this study were 13 Islamic Commercial Bank in Indonesia in year 2012-2015. The sample selection used purposive sampling technique which resulted in 9 banks and the analysis units were 36. Data collection method used in this research was documentation. Data analysis method used was Structural Equation Modeling (SEM) with Partial Least Square (PLS) with SmartPLS 3.0 analysis tool. The results show that the inflation, GDP, and FDR variables do not significantly influence NPF. BOPO variable has a positive and significant influence to NPF. CAR variable has a negative and significant influence to NPF. The conclusion shows that the inflation, GDP, and FDR variables do not significantly influence NPF. Variables of BOPO and CAR have significant influence to NPF. 

scholarly journals The Importance of Halal Product Label to Building Customer Trust

2019 ◽  
Vol 15 (1) ◽  
pp. 58-66
Author(s):  
Emi Widya Yusuf ◽  
Rita Komaladewi ◽  
Yuyus Suryana Sudarma
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Sampling Technique ◽  
Partial Least Square ◽  
Least Square ◽  
Consumer Trust ◽  
Product Label ◽  
Cosmetic Products ◽  
Round Shape ◽  
Customer Trust

The survey, conducted by the Research Institute for Food, Drugs and Cosmetics –The Council of Indonesian Ulama (MUI) shows that there are still some consumers who pay less attention to the existence of the halal label on cosmetics products, whereas it indicates the halal status of a product. The better understanding of the religion makes Muslim consumers selective in choosing the product to be consumed. This study is aimed at determining the effect of the halal product label of Mustika Ratu cosmetic products on consumer trust in Bandung City. The research sample consists of 115 female Muslims in Bandung who actively use MustikaRatu cosmetic products. The sampling technique in this study is purposive sampling. The data collection was conducted using questionnaires. The data analysis in this research is descriptive and verification analysis using Partial Least Square (PLS) approach with Smart-PLS 3.0. The results of this study illustrate that the halal product label has a positive and significant effect on consumer trust. It is proven from the finding of this research that the existence of halal product label in green and round shape with the writings of halal in Arabic and the Council of Indonesian Ulama, attached to the packaging, affects customer trust.

scholarly journals The Effect Of Islamic Financial Literation And Financial Technology On Islamic Financial Inclusion

2020 ◽  
Vol 5 (2) ◽  
pp. 231
Author(s):  
Basrowi Basrowi ◽  
Tulus Suryanto ◽  
Erike Anggraeni ◽  
Muhammad Nasor
Keyword(s):  
Significant Influence ◽  
Financial Literacy ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Survey Method ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Study Program ◽  
Independent Variables ◽  
Financial Technology

Purpose: The purpose of this study was to determine the magnitude of the influence of Islamic financial literacy and Islamic financial technology on the inclusion of Islamic finance in students in Lampung Province both partially and simultaneously.Design Methods:The method used is a survey method. The population of this study is all smester V students and above in Islamic Economics Study Program, Islamic Banking. and sharia accounting in all State and Private Universities in Lampung Province, totaling 3080 people. The sampling technique used is proportional grain sampling, as much as 10% of the population of 308 people. Data collected using surveys, with google form. The collected data were analyzed using simple and multiple regression analysis.Findings:Based on the results of the analysis it can be concluded, first, there is a positive and significant influence between the literacy of Islamic finance on Islamic financial inclusion. Second, there is a positive and significant influence between Islamic financial technology on Islamic financial inclusion. Third, there is a positive and significant influence between Islamic financial literacy and Islamic financial technology together on Islamic financial inclusion.Originality Value: Of the two independent variables, sharia financial literacy variables contributed more than sharia financial technology variables to sharia financial inclusion.

scholarly journals THE EFFECT OF MARKETING MIX ON “KPR XTRA BEBAS” DECISION MAKING IN BANK X REGIONAL I

2019 ◽  
Vol 4 (1) ◽  
pp. 1 ◽  
Author(s):  
Kevin Michael Arthur ◽  
Alla Asmara ◽  
Megawati Simanjuntak
Keyword(s):  
Significant Influence ◽  
Sampling Technique ◽  
Sampling Procedure ◽  
Partial Least Square ◽  
Least Square ◽  
Primary Data ◽  
Effect Evaluation ◽  
Physical Evidence ◽  
Managerial Implications ◽  
Place Promotion

The rapid growth of mortgages affected Bank X to launch product innovation "KPR Xtra Bebas." Realization since the establishment of KPR Xtra Bebas product did not reach the target desired by management. This study aims to analyze factors that influence consumer decision by using KPR Xtra Bebas products in order to do useful and efficient marketing. Sampling procedure used purposive sampling technique as one of the non-probability sampling techniques, namely sampling based on categories that have used the product. Data used are primary data by filling out the questionnaire conducted by the respondents themselves (self-administered survey). This study used the Partial Least Square (PLS) to analyze results from 94 samples. Results of the study identified the variables of price, place, promotion, and the process did not have a significant influence. While product, human resources, and physical evidence have a significant influence. Managerial implications that are generated are for variables that do not have a significant effect evaluation is needed to determine the appropriate strategy. Companies can build customer databases by implementing cross-selling so that promotional variables can function effectively.

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

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.

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