scholarly journals PENGARUH TINGKAT LITERASI KEUANGAN PEMILIK USAHA TERHADAP PENGELOLAAN KEUANGAN. STUDI KASUS: UMKM DEPOK

2016 ◽  
Vol 3 (1) ◽  
Author(s):  
Birawani D. Anggraeni
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Financial Statements ◽  
Business Owners ◽  
Descriptive Statistics ◽  
Record Keeping ◽  
Financial Products ◽  
Study Materials ◽  
Financial Condition ◽  
Micro Level

Abstract. Financial literacy affects a person's way of thinking on the financial condition and influencestrategic decisions in terms of finances and better management for business owners. This study usessecondary data as study materials which will be given to the micro level that businesses with aturnover of up to 300M per year in which the segment in general do not have good financial recordsto then be used as financial statements. In a study using 12 samples of SMEs in the area of Depokrandomly selected. This study uses processed using descriptive statistics as well as the weighting atthe level of financial literacy.Results from this study indicate that the level of financial literacy of low business owners sothat the effect on the ability to manage finances. This is reflected in the financial results of theattitude of business owners where they merely record the receipt and expenditure of financialbusiness without being accompanied by supporting documents storage. Business owners so far havenot made the budget as a basis for evaluating the performance of their businesses. In addition theability of business owners to manage cash surplus and deficit shows the majority of using banks ornon-banks. They have not yet reached the stage of investing in financial products. Simple research isexpected to contribute to the field of accounting related to business continuity, especially in terms offinancial management business through increased financial literacy.Keywords:. financial literacy, financial management, record keeping, budget

scholarly journals PENGARUH TINGKAT LITERASI KEUANGAN PEMILIK USAHA TERHADAP PENGELOAAN KEUANGAN. STUDI KASUS : UMKM DEPOK

2016 ◽  
Vol 4 (1) ◽  
Author(s):  
Birawani D. Anggraeni
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Secondary Data ◽  
Financial Statements ◽  
Business Owners ◽  
Strategic Decisions ◽  
Record Keeping ◽  
Study Materials ◽  
Financial Condition ◽  
Micro Level

Financial literacy affects a person's way of thinking on the financial condition and influence strategic decisions interms of finances and better management for business owners.This study uses secondary data as study materials which will be given to the micro level that businesses with aturnover of up to 300M per year in which the segment in general do not have good financial records to then beused as financial statements. In a study using 12 samples of SMEs in the area of Depok randomly selected. Thisstudy uses processed using descriptive statistics as well as the weighting at the level of financial literacy.Results from this study indicate that the level of financial literacy of low business owners so that the effect on theability to manage finances. This is reflected in the financial results of the attitude of business owners where theymerely record the receipt and expenditure of financial business without being accompanied by supporting documentsstorage. Business owners so far have not made the budget as a basis for evaluating the performance of theirbusinesses. In addition the ability of business owners to manage cash surplus and deficit shows the majority of usingbanks or non-banks. They have not yet reached the stage of investing in financial products.Simple research is expected to contribute to the field of accounting related to business continuity, especially in termsof financial management business through increased financial literacy.Keywords: financial literacy, financial management, record keeping, budget.

Struggling to make ends meet: can consumer financial behaviors improve?

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Lisa K. Meneau ◽  
Janakiraman Moorthy
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Group Analysis ◽  
Self Control ◽  
Thinking Styles ◽  
Financial Health ◽  
Content Type ◽  
Financial Behaviors ◽  
Financial Products ◽  
The Impact

PurposeThe purpose of the study is to examine the following two research objectives. The first was to examine the predictive relationships that consumer characteristics of financial literacy, thinking styles and self-control have with a consumer's financial behaviors. The second goal was to ascertain financial management products' ability to aid those consumers who need it the most by weakening the predictive effects of consumer traits on financial behaviors.Design/methodology/approachThe study employed a web-based survey to gather information. The measurement and structural models were analyzed using generalized structured component analysis (GSCA), a component-based structural equation model. The mediation effect of self-control is assessed using the GSCA. The conditional mediation of demographic variables and use of personal financial management products are evaluated using multi-group analysis (MGA) in GSCA.FindingsAntecedents, financial literacy, thinking styles and self-control consumer characteristics are predictors of financial behaviors. However, self-control plays a more prominent role as a mediator between the other variables, strengthening the overall relationship. Also, financial products can have a beneficial moderation effect assisting those consumers who need them the most.Practical implicationsThese insights help in creating target specific financial literacy strategies to influence consumers' financial behaviors. Also, there is a need to develop mechanisms to influence a consumer's self-control and thinking styles to improve financial behavior. In conjunction with other initiatives, the impact of financial literacy has a greater effect on financial behaviors. Further, the insights assist financial institutions and financial technology firms in offering and creating products to help customers make better financial decisions and improve their financial behaviors.Social implicationsThe research addressed a significant global issue – consumer financial health. The Great Recession and the COVID-19 recession highlight the need to focus on the consumer and efforts to improve their financial health.Originality/valueThis research highlighted the mediating role of self-control and suggested that existing and future financial products can positively influence consumer behavior drivers.

scholarly journals Lalabet Financial Analysis: Study of Islamic Economics at Micro Level

2021 ◽  
Vol 4 (1) ◽  
pp. 233-244
Author(s):  
Ainorrofiqie Ainorrofiqie ◽  
Umrotul Khasanah ◽  
Akhmad Djalaluddin
Keyword(s):  
Financial Management ◽  
Financial Analysis ◽  
Financial Statements ◽  
The Body ◽  
Short Term ◽  
The Family ◽  
Micro Level ◽  
The Impact ◽  
The Village

This research aims to explore the model of financial management tradition Lalabet in the village of Babbalan District Batuan Sumenep. This study is based on the fact that occurred in the community about the implementation of traditions carried out by the heirs to family members who died. Interpretative qualitative research is used and an in-depth understanding of a problem that occurs is emphasized more. Based on the results of this study, the financial management tradition Lalabet can be done based on accounting equations. The accounts contained in the accounting equation is not used in its entirety and are reported as are generally financial statements. In this case, the source of funds in carrying out Lalabet tradition is sourced from personal money, money and donations from the family, money from Muslimat, debt, and money or goods from Lalabet's proceeds. The impact is the onset of debt both short-term and long-term. While the expenditure is in the form of costs in taking care of the body, costs for tahlilan (petto'arean), pa'polo, nyatos, nyataon, nyaebu, mangaji, ngin-tangin, nyalenin mayyid, and ajege makam (kep-sekep).

scholarly journals Financial Literacy, Risk Tolerance, and Financial Management of Micro-enterprise Actors

Society ◽  
2021 ◽  
Vol 9 (1) ◽  
pp. 174-186
Author(s):  
Heni Hirawati ◽  
Yacobo P Sijabat ◽  
Axel Giovanni
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Research Method ◽  
Business Owners ◽  
Risk Tolerance ◽  
Central Java ◽  
The Poor ◽  
Central Java Province ◽  
Micro Enterprises ◽  
Special Region

Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy andtolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.

scholarly journals ANALISIS LITERASI KEUANGAN MAHASISWA S-1 FAKULTAS EKONOMIKA DAN BISNIS UNIVERSITAS DIPONEGORO ANGKATAN 2014 - 2017

2018 ◽  
Vol 1 (2) ◽  
pp. 54
Author(s):  
Gina Sakinah ◽  
Bagio Mudakir
Keyword(s):  
Undergraduate Students ◽  
Financial Literacy ◽  
Financial Management ◽  
Parental Education ◽  
Descriptive Statistics ◽  
Financial Behavior ◽  
Primary Data ◽  
Personal Finances ◽  
Regression Test ◽  
And Behavior

Financial management failure occurs when students do not have good financial literacy. Students must have good knowledge, attitude, and behavior in managing their personal finances. This study aims to analyze the level of financial literacy of undergraduate students of the Faculty of Economics and Business at Diponegoro University class of 2014 to 2017 and the factors that influence it. Financial literacy in this study uses a financial literacy index consisting of components of the knowledge, attitude, and financial behavior of students. The research data uses primary data with questionnaires and sample of 100 students. Meanwhile, the method used in this study is descriptive statistics and multiple linear regression test (OLS). As a result, the level of student financial literacy is categorized as quite literary, that is 50.4%, influenced by age, GPA, parental education, and length of study. On the other hand, gender and income do not affect student financial literacy.

scholarly journals Financial capability and functional financial literacy in young adults with developmental language disorder

2018 ◽  
Vol 3 ◽  
pp. 239694151879450 ◽  
Author(s):  
Maxine Winstanley ◽  
Kevin Durkin ◽  
Roger T Webb ◽  
Gina Conti-Ramsden
Keyword(s):  
Young Adults ◽  
Financial Literacy ◽  
Financial Management ◽  
Language Disorder ◽  
Essential Feature ◽  
Policy Implications ◽  
Developmental Language Disorder ◽  
Financial Capability ◽  
Financial Products ◽  
Familial Support

Background Financial capability is an essential feature of the organisation of one’s personal life and engagement with society. Very little is known of how adequately individuals with developmental language disorder handle financial matters. It is known that language difficulties place them at a disadvantage in many aspects of their development and during their transition into adulthood, leading to the possibility that financial issues may prove burdensome for them. This study examines the financial capability and functional financial literacy of young adults with developmental language disorder and compares them to those of age matched peers. We tested the expectation that those with developmental language disorder would find financial management more challenging than would their peers, and that they would need to seek greater support from family members or other people. Methods Participants completed a detailed individual interview, which included items drawn from the British Household Panel Survey and additional measures of financial capability, functional financial literacy and of perceived support. Nonverbal IQ, language, reading and numeracy measures were also collected. Results Compared to typically developing age matched peers, young people with developmental language disorder report less extensive engagement with financial products and lower competence in functional financial literacy. A considerably higher proportion of those with developmental language disorder (48% vs. 16% of age matched peers) report that they draw on support, primarily from parents, in various financial tasks, including paying bills, choosing financial products, and taking loans from family or friends. Conclusions This is the first study to consider the financial capability skills and functional financial literacy of young adults with developmental language disorder. We provide novel evidence that some young adults with developmental language disorder lack functional financial skills and require support to successfully manage their finances. This has policy implications that relate not only to engaging affected individuals in discussions about financial management but also to wider familial support.

scholarly journals Pengembangan Potensi SDM Pesantren Melalui Pelatihan Pemahaman dan Pengetahuan Pengelolaan Keuangan

2019 ◽  
Vol 4 (1) ◽  
pp. 20
Author(s):  
Etty Gurendrawati ◽  
Yunika Murdayanti ◽  
Susi Indriani
Keyword(s):  
Community Development ◽  
Financial Literacy ◽  
Financial Management ◽  
Cost Control ◽  
Financial Statements ◽  
Daily Activities ◽  
West Java ◽  
Development Activity ◽  
Financial Report ◽  
Training Materials

ABSTRAKKegiatan pengabdian masyarakat ini dilakukan karena masih ditemukan beberapa kelemahan dari pengelolaan pondok pesantren. Umumnya masalah tersebut bermula dari aktivitas keuangan pesantren baik yang berkaitan dengan anggaran, akuntansi, penataan administrasi, alokasi serta kebutuhan pengembangan pesantren maupun dalam proses aktivitas keseharian pesantren. Tidak sedikit pesantren yang memiliki sumber daya baik manusia maupun alamnya tidak tertata dengan rapi, dan tidak sedikit pula proses pendidikan pesantren berjalan lambat karena kesalahan dalam penataan manajemen keuangannya. Pelaksanaan Pengabdian Masyarakat ini dilakukan di di pondok pesantren Qotrun Nada Depok Jawa Barat. Peserta diberikan pelatihan pemahaman dan pengetahuan pengelolaan keuangan secara komputerisasi dan pembuatan laporan keuangan yang baik serta kiat-kiat dalam mengelola pengendalian biaya yang rutin dikeluarkan baik yang terjadi pada saat usaha maupun pengeluaran rumah tangga pesantren sehingga mampu mengatasi pengeluaran yang besar. Kesimpulan yang diperoleh terdapat peningkatan pemahaman dan pengetahuan pengelolaan keuangan serta teknik dalam membuat bentuk laporan keuangan yang baik dan benar baik secara manual maupun terkomputerisasi.Kata Kunci: pengetahuan keuangan; laporan keuangan; komputer akuntansiABSTRACT This community development activity was carried out because there were still some weaknesses in the management of pesantren. Generally, the problem starts from the pesantren's financial activities both related to the budget, accounting, administration managements, allocation and development needs of the pesantren and even in the process of pesantren's daily activities. Many pesantren with its resources both human and natural are not neatly arranged, and also the process of pesantren education runs slowly due to errors in financial management arrangements. The implementation of community develompent is done at the Pesantren Qotrun Nada in Depok, West Java. Participants are given training in understanding and knowledge of financial management manually and also accounting computerized application. Participants are also given a training materials of good financial report preparation and tips on managing routine cost control. The conclusions obtained are an increase in understanding and knowledge of financial management for all participants and also understand the techniques in making good financial statements both manually and computerized.Keywords: financial literacy; financial statements; accounting computerized

scholarly journals DOES FINANCIAL LITERACY AND FINANCIAL STRESS EFFECT THE FINANCIAL WELLNESS?

2019 ◽  
pp. 1-11 ◽  
Author(s):  
Nurazleena Ismail ◽  
Nur Damia’ Amiruddin Zaki
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Help Seeking ◽  
Financial Stress ◽  
Financial Education ◽  
Well Being ◽  
Stress Effect ◽  
Financial Wellness ◽  
Financial Condition ◽  
Seeking Behavior

Nowadays, people use financial wellness’s as terminology to understand the level of the individual’s financial condition. Previous researches show that although the persons have a lot of debts, they feel satisfied with their financial status. Conversely with those who are in good financial wellness with their wealth of life. Additionally, two elements have been discussed in relation to the income earner’s financial wellness which is economic well-being and financial well-being. Imbalance of financial wellness among low-medium income earners is due to reducing in employment opportunities, income instability and increase the number of family members. Therefore, personal financial management is important to ensure good or bad financial wellness among income earners. In this paper, financial literacy and financial stress are considered to determine the relationship of financial wellness. The result showed that both factors are significant with a strong positive relationship. It is important to describe the ability of income earners manage their money and apply the knowledge to make an effective financial decision. Thus, the organization should imply the financial education programs to their employees that can enhance financial literacy and reduce financial stress. Further research should be explored the other determinant factor such as financial self-efficacy and financial help-seeking behavior. These factors will improve the low-medium income earners’ financial wellness by seeking financial help as well as reducing financial stress.

scholarly journals Sistem Pencatatan dan Pengolahan Keuangan Pada Aplikasi Manajemen Keuangan E-Dompet Berbasis Android

2019 ◽  
Vol 2 (1) ◽  
pp. 24-29 ◽  
Author(s):  
Ujang Juhardi ◽  
Khairullah Khairullah
Keyword(s):  
Mobile Device ◽  
Financial Management ◽  
Financial Statements ◽  
Recording System ◽  
Transaction Data ◽  
Application Management ◽  
Financial Condition ◽  
Financial Expenditure ◽  
The Way

Abstract— The way to achieve a more prosperous person is to control his finances wisely and carefully. One effort that can be done is to make a financial record so that finances can be well controlled. Such financial records can help a person to stay in stable financial condition so as to be able to see whether there should be a reduced expenditure or additional savings. But in general the recording of financial statements are still done manually, namely by way of recording transactions to the notebook and manually calculate the transaction data so as to produce financial statements in a simple bookkeeping. However, it is very inefficient, the large number of transactions that occur every day requires that recording, transaction counting and reporting take some time. From these problems then the authors will discuss How Making Recording System and Financial Processing In Application Management Finance e-Wallet Based Android. So the benefits of this research is to facilitate and assist a person in recording, calculating and managing income and financial expenditure using an Android-based mobile device. This research is independentKeywords: System, Financial Management, e-Dompet

scholarly journals Kepuasan Finansial pada Individu Menikah di Kota Surabaya

2021 ◽  
Vol 9 (2) ◽  
pp. 499
Author(s):  
Avikhatus Sholihah
Keyword(s):  
Linear Regression ◽  
Financial Literacy ◽  
Financial Management ◽  
Economic Problem ◽  
Personal Income ◽  
Financial Satisfaction ◽  
Management Behavior ◽  
Married People ◽  
Financial Condition ◽  
Age Range

Married people have more needs than unmarried people, so they must manage their finances properly to achieve financial satisfaction. If married people can not manage their finance, they will felt dissatisfied with their financial condition. This situation can lead them to divorce by the economic problem. For this reason, this study aims to examine the factors that increase financial satisfaction in married people. Personal income, financial literacy, financial attitude, and financial management behavior will be examined in this study. A total of 110 married people in Surabaya with personal income and age range from 25-65 years were made into a sample in this study. This study uses multiple linear regression by using SPSS 25 program. This study found that personal income, financial attitude, and financial management behavior significantly affect financial satisfaction. While financial literacy does not affect financial satisfaction.

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