scholarly journals Factors Effecting Towards Personal Bankruptcy among Residents: Case Study in Klang Valley, Malaysia

2016 ◽  
Vol 6 (3) ◽  
pp. 98 ◽  
Author(s):  
Mahiswaran Selvanathan ◽  
Uma Devi Krisnan ◽  
Wong Chui Wen
Keyword(s):  
Financial Literacy ◽  
Credit Card ◽  
Pearson Correlation ◽  
Simple Random Sampling ◽  
Money Management ◽  
Personal Bankruptcy ◽  
Notable Increase ◽  
Klang Valley ◽  
The Government

In Malaysia, there is a notable increase in the number of bankruptcy cases. The personal bankruptcy trend has become one of the major concern to the government. The purpose of this research is to study the factors lead to personal bankruptcy. This research tested the few factors effect on personal bankruptcy based on Klang Valley residents. The research used a quantitative approach and data was gathered from survey questionnaire. The questionnaire measurement quantify the respondent’s response with the help of five point Likert scale. Respondents was designated to respond on the questionnaire by simple random sampling techniques. Data collected was analyzed using Pearson correlation coefficient and multiple regression analysis. The data has been presented in the form of tables. Relationship that were assessed; credit card debts, money management, financial literacy and non-performing loan effects towards personal bankruptcy. The finding shows that there are positive relationship between money management, financial literacy and non-performing loan. 

scholarly journals Evaluation of the Relationship between Personality and Conservatism of Investors in the Stock Exchange (Case Study: Insurance Companies)

2021 ◽  
Vol 8 (SPE3) ◽  
Author(s):  
Mahsa Mohseni
Keyword(s):  
Significant Relationship ◽  
Stock Exchange ◽  
Pearson Correlation ◽  
Simple Random Sampling ◽  
Insurance Companies ◽  
Statistical Population ◽  
Pearson Correlation Test ◽  
Correlational Method ◽  
The Relationship

The purpose of this research to "investigate the relationship between personality and conservatism of investors of insurance companies listed on the Tehran Stock Exchange." The present study was applied research in terms of purpose, which has employed a descriptive and correlational method. The statistical population of this research included all people who buy and sell shares of insurance companies listed on the Tehran Stock Exchange. According to Cochran's formula, the sample size was determined as much as 384 people collected by a simple random sampling method. The research instruments were the Conservative Questionnaire based on the Gribel and Leighton (1999) and McCrae and Costa (1985) five-factor personality questionnaire. The questionnaire’s validity was confirmed by 20 experts, and the reliability of all three questionnaires was acceptable for all three questionnaires due to Cronbach's alpha above 0.79. The data analysis was conducted using the Pearson correlation test and regression analysis. The results indicated a significant relationship between the investors’ personality and their conservatism in the Tehran Stock Exchange. There was also a significant relationship between all personality components except for extraversion with the investor’s conservatism in the Tehran Stock Exchange.

THE STRATEGY TO ENHANCE THE SHARIAH FINANCIAL LITERACY AND INCLUSION IN INDONESIA (Case Study at Financial Services Authority Office in The City of Malang)

2017 ◽  
Vol 1 (1) ◽  
pp. 47
Author(s):  
Ma’rufa Khotiawan ◽  
Muhammad Luthfiansyah
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Financial Inclusion ◽  
National Strategy ◽  
Research Needs ◽  
Know How ◽  
The Government ◽  
The City

<p>The<strong> </strong>results of the survey of literacy and Financial Inclusion Shari'ah in Indonesia 2016 each show numbers 8.11 %  and 11.06 %. Whereas the inhabitants of the religion of Islam in Indonesia more than 85%. With this then needs to be formulated strategies that can increase the level of literacy and financial inclusion shari'ah in Indonesia. The importance of literacy improvement and Financial Inclusion Shari'ah to improve the behavior of the community in financial management and to improve the welfare of them. So that priorities are intended to know how the strategy applied to increasing literacy and Financial Inclusion Shari'ah. This research uses qualitative research method with the approach of the case study. The results of this research are some government policy that is contained in the form of National Strategy for Financial Literacy Indonesia (SNLKI) to improve financial literacy Shari'ah and inclusive Financial National Strategy (SNKI) to improve financial inclusion. But the next research needs to examined and monitored about various programs to increase shari'a literacy and financial inclusion is doing by the government.</p><strong>Keywords: </strong>Sharia Financial Literacy, Sharia Financial Inclusion, the strategy.

scholarly journals Determinant of The Financial Literacy: Case Study on Career Woman in Indonesia

ETIKONOMI ◽  
2018 ◽  
Vol 17 (2) ◽  
pp. 285-296
Author(s):  
Novia Dewanty ◽  
Yuyun Isbanah
Keyword(s):  
Marital Status ◽  
Financial Literacy ◽  
Financial Management ◽  
Education Level ◽  
Early Age ◽  
Financial Socialization ◽  
The Government ◽  
Career Woman ◽  
Positive Effect

Financial literacy is one of the relevant facts in improving the economy. The purpose of this study was to examine the influence of demographic factors (i.e., marital status, education level, income, and age) and financial socialization agent on financial literacy. Using online and offline questionnaire survey from 100 respondents in Surabaya, East Java, and the study revealed that education level, personal income, and financial socialization agent, give the positive effect, while the marital status and age does not affect financial literacy. This result implies that the government can focus on educating the development and improvement of financial literacy for the society. It is believed to be a step forward in practicing financial planning from an early age to solve problems with financial management using financial knowledge, financial attitude, and financial behavior.DOI: 10.15408/etk.v17i2.6681

scholarly journals Factor Affecting Farmer Perceptions of the Implementation of Corporate Farming (Case Study at Tani Maju Sejahtera Cooperative, Malang District, East Java Province)

2021 ◽  
Vol 1 (3) ◽  
pp. 149-159
Author(s):  
Matheus Dahoklory ◽  
Djoko Koestiono ◽  
Hery Toyiba
Keyword(s):  
Sampling Technique ◽  
Simple Random Sampling ◽  
Land Area ◽  
Farmer Perceptions ◽  
Farmer Cooperatives ◽  
Logistic Analysis ◽  
Corporate Farming ◽  
The Government

This research analyzes the factors that influence farmers' perceptions of the implementation of agricultural corporations in advanced prosperous farmer cooperatives of the Malang district. This study uses binary logistic analysis. The determination of the location is done intentionally considering that the progressive, successful farmer cooperative is a cooperative formed by the government, which has become an experimental agricultural corporation in Purworejo Village, Ngantang District, Malang Regency. A simple random sampling technique selected Ninety-two farmers as respondents in this study. The factors analyzed in this study include the farmer's age, education, number of family dependents, land area, land status, and length of farming. The results showed that the education factor had no significant effect on the implementation of Corporate Farming. In contrast, the characteristics of age, number of family dependents, land area, land status, and length of farming had a significant effect on the opportunities for farmers to join Corporate Farming. Keywords: Farmers, Perceptions, Corporate Farming, Binary Logistic

scholarly journals Faktor Peramal Penerimaan Perkhidmatan e-Kerajaan

2021 ◽  
Vol 37 (1) ◽  
pp. 1-27
Author(s):  
Syafila Kamarudin ◽  
◽  
Siti Zobidah Omar ◽  
Keyword(s):  
Social Influences ◽  
Pearson Correlation ◽  
Performance Expectancy ◽  
Effort Expectancy ◽  
Regression Test ◽  
Pearson Correlation Test ◽  
Klang Valley ◽  
The Government ◽  
Facilitating Conditions ◽  
Predictor Factors

Predictor Factors Towards Acceptance of e-Government Services ABSTRACT The e-government application was developed to change the way the government operates in the online service delivery system. Thus, this study focused on one of the e-government platforms namely, the MyEG application. This study was aimed to determine the predictor factors that influence consumers’ acceptance using the MyEG application. The framework consisted of four main predictors namely, social influence, performance expectancy, effort expectancy and facilitating conditions, while the dependent variable was the acceptance of MyEG application. A quantitative approach was adopted, by using a questionnaire survey. A total of 396 MyEG application users in the Klang Valley were selected to participate in the survey. The data collected were analyzed using SPSS version 22. Two sampling techniques were used; simple random and purposive. Two statistics procedures were used; descriptive and inferential. The results displayed that the level of acceptance towards the MyEG application was at a moderate level. The Pearson correlation test also revealed a positive and significant correlation between performance expectancy, effort expectancy, facilities condition and social influences to the acceptance of MyEG application. The analysis showed that users had accepted the MyEG application because it was emphasized the predictor factors. Moreover, the multi regression test found that performance expectancy, facilities conditions, social influences and effort expectancy were among the variables that predicted the acceptance of the MyEG application. However, the overall result showed that performance expectancy was a major factor that contributed to the acceptance of the MyEG application among users. Keywords: e-government, online services, application, predictor factor, acceptance.

scholarly journals THE ANALYSIS OF VULNERABILITY FACED BY GAHAI AGROPOLITAN PARTICIPANTS

2019 ◽  
Vol 17 ◽  
Author(s):  
Mohd Khairi Ismail ◽  
Chamburi Siwar ◽  
Rospidah Ghazali ◽  
Nor Zuriati Amani Ab Rani ◽  
Basri Abdul Talib
Keyword(s):  
Descriptive Analysis ◽  
Rural Poverty ◽  
Sustainable Livelihoods ◽  
Simple Random Sampling ◽  
Environmental Aspects ◽  
Poor Group ◽  
Project Participants ◽  
The Government ◽  
Project Data

Vulnerability is always related to the poor group. Vulnerability can be defined as being vulnerable to damage or ill effects because of changes in the society and the environment, and the inability to adapt to changes. In-depth understanding is important to probe what action should be taken to achieve the sustainability of the community and its environment. In Malaysia, the government has implemented various eradication programmes on rural poverty, and sustainable livelihoods, such as the agropolitan projects. Agropolitan projects are capable of achieving the objective to eradicate poverty, and the vulnerability faced by project participants which will affect their lives. Therefore, the purpose of this study was to identify the vulnerability of agropolitan participants in Malaysia by utilising the Gahai Agropolitan, Lipis, Pahang project as a case study. This study used simple random sampling and it involved 45 participants of Gahai Agropolitan Project. Data were analysed using the Descriptive Analysis and Exploratory Factor Analysis (EFA). The findings showed that Gahai Agropolitan Project Participants faced multi-dimensional vulnerability in terms of economic, social, and physical and environmental aspects. Therefore, the Ministry of Rural Development (KKLW) and the Rubber Industry Smallholders Development Authority (RISDA) need to pay more attention to reduce the vulnerability to participants of the agropolitan project, and help them to increase their income and improve their lives.

scholarly journals STUDI KASUS INTERVENSI PEMERINTAH BAGI USAHA MIKRO, KECIL, DAN MENENGAH DI MASA PANDEMI COVID-19

2021 ◽  
Vol 6 (3) ◽  
pp. 263-287
Author(s):  
Marwanto Harjowiryono ◽  
Windraty Ariane Siallagan
Keyword(s):  
Financial Literacy ◽  
Success Factors ◽  
Government Programs ◽  
Assistance Program ◽  
Assistance Programs ◽  
Key Success Factors ◽  
The Future ◽  
The Government ◽  
The Impact

This study investigates the impact of the COVID-19 pandemic on MSMEs and how Government intervention affects their capacity to survive. Through a survey of 368 respondents, namely debtors/beneficiaries, aid distributors, policymakers, and supervisors, this case study finds that the COVID-19 pandemic has resulted in business delays. The finding means that the government assistance schemes are the key to business continuity for MSMEs during the COVID-19 pandemic. With the help from the Government, the business actors in the sample of this study can maintain their business. Although some MSMEs reduced the number of workers employed, some MSMEs still survived, even increased their workers and business turnover. While the research identifies key success factors of Government programs, there are also some challenges in their implementation. This study recommends that the Government continues giving assistance programs for MSMEs. In addition, the Government should relax requirements while focusing on new beneficiaries. Building an integrated MSME database is also necessary, and in the future, the Government must integrate the assistance program with financial literacy and innovation programs. The policy implication of this research is that the future programs of government poverty alleviation need to focus on MSMEs.

scholarly journals Parental involvement for better education: The relationship between parental awareness, emotional support, and children’s academic achievement at secondary level

2019 ◽  
Vol 32 (4) ◽  
pp. 334
Author(s):  
Junaid Aman ◽  
Muhammad Babar Akram ◽  
Siti Mas'udah ◽  
Muhammad Saud ◽  
Yasir Nawaz Manj
Keyword(s):  
Academic Achievement ◽  
Parental Involvement ◽  
Emotional Support ◽  
Pearson Correlation ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Awareness Campaigns ◽  
Parental Awareness ◽  
The Government ◽  
The Relationship

Students’ academic achievement greatly influenced by their parents’ socioeconomic status and involvement in their academic life. Regardless of the parents’ educational qualifications, their support helps the children gain confidence in education and then in life. This study intends to see the relationship between two independent variables: parental awareness and emotional support to children and one dependent variable: academic achievement. The study area is Jafarabad, a district in Balochistan, Pakistan. The sample size was 250, designated using the Taro Yamani formula, and a simple random sampling technique was used to choose the respondents. The questionnaire was then used to collect information. The collected data was then coded and analyzed in SPSS. Pearson correlation test was used to test the hypotheses. Significant findings show that the lack of parental awareness and interest in student’s school activities is the primary cause of their poor academic achievement at secondary school. Accordingly, the study concludes that it is the primary responsibility of parents to support their children and cooperate with school administration emotionally. Therefore, the government, specifically the district education office, and local NGOs need to run awareness campaigns on the importance of parental involvement in the children’s education, which will result in the children’s excellent academic achievement.

scholarly journals Socio-Economic Losses of Small Fishermen after Lobster Seeding Banning Policy (Case Study in Batu Nampar Selatan Village, East Lombok Regency)

2021 ◽  
Vol 21 (1) ◽  
pp. 112
Author(s):  
Syarif Husni ◽  
M. Yusuf ◽  
Muhammad Nursan ◽  
Aeko Fria Utama FR
Keyword(s):  
Random Sampling ◽  
Descriptive Analysis ◽  
Group Discussion ◽  
Simple Random Sampling ◽  
Economic Losses ◽  
Form Analysis ◽  
The Social ◽  
Fisheries Regulation ◽  
The Government

       The objectives of this study are: 1) to find out the perceptions of small fishermen about PERMEN KP No.1 / 2015 in conjunction with Minister of Marine Affairs and Fisheries Regulation No.56 / 2016, 2) to calculate the social losses of small fishermen after the prohibition policy on the prohibition of fishing for lobster seeds, 3) to calculate the economic losses of small fishermen after lobster seed fishing prohibition policy. This research uses descriptive methods and case studies. Apart from interviews with respondents, it was also conducted using the Focus Group Discussion (FGD) method. The number of respondents was determined as many as 30 people by simple random sampling and the data analysis used consisted of descriptive analysis based on tabulations, and after processing it was presented in tabular form, analysis of people's work days (HKO) and analysis of costs and income.  The results showed: 1) The most dominant perception of fishermen is that the existence of the Minister of Marine Affairs and Fisheries Regulation needs to be reviewed and the compensation provided by the government is not in accordance with the conditions of fishermen 2) Social losses for fishermen in terms of employment of 208 HKO / year, and 3) Economic losses, namely the loss of income of small fishermen of 121,329,000 IDR/ year.

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