scholarly journals Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior

2021 ◽  
Vol 9 (1) ◽  
pp. 86
Author(s):  
Mamik Nur Farida ◽  
Yoyok Soesatyo ◽  
Tony Seno Aji
Keyword(s):  
Financial Literacy ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Financial Behavior ◽  
Financial Resources ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Factor Data ◽  
Financial Technology

Financial behavior is a means by which a person treats, manages, and uses available financial resources. This research aims to determine the effect of financial literacy and the use of financial technology on financial satisfaction through financial behavior as an intervening factor. Data were collected from 112 economics teachers using purposive proportional random sampling technique. Structural Equation Modeling (SEM) with AMOS 26 software was used to analyze the data. The results of this research indicate that financial literacy has no effect on financial behavior, but the use of financial technology has an effect on financial behavior, financial literacy and the use of financial technology has an effect on satisfaction finance. It was also found that financial literacy and the use of financial technology were mediated by financial behavior. Finally, use of financial technology had no effect on financial satisfaction through financial behavior as an intervening variable. These results have useful practical and theoretical implications.

scholarly journals TINGKAT LITERASI KEUANGAN DAN FINANCIAL TECHNOLOGY PADA PELAKU USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) KABUPATEN KUNINGAN

2020 ◽  
Vol 5 (2) ◽  
pp. 97-108
Author(s):  
Amir Hamzah ◽  
Dadang Suhardi
Keyword(s):  
Financial Literacy ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Analysis Method ◽  
Positive Effect ◽  
Financial Technology

The purpose of this study is to examine the level of financial literacy and financial technology of SMEs in Kuningan Regency. The sample of this study were 250 SMEs. Sampling is done by Probability sampling with proportional random sampling technique. The data analysis method with Structural Equation Modeling (SEM). From the results of the study it was found that financial attitude has positive effect on financial technology, financial behavior has positive effect on financial technology, financial knowledge has  positive effect on financial technology, financial technology has positive effect on financial inclusion.Thus, in order to achieve the level of financial literacy and financial technology in SMEs increases, SMEs must pay attention to the level of financial attitude, financial behavior, financial knowledge, financial technology so that SMEs financial inclusion also increases.

scholarly journals Pengaruh Income, Debt, Gender Differences, Financial Literacy, dan Financial Attitude terhadap Financial Satisfaction

2021 ◽  
Vol 9 (4) ◽  
pp. 1549-1562
Author(s):  
Ucik Nurul Hidayati Siswoyo ◽  
Nadia Asandimitra
Keyword(s):  
Gender Differences ◽  
Financial Literacy ◽  
Financial Management ◽  
Structural Equation ◽  
Positive Impact ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Snowball Sampling ◽  
The Individual

This study examines the financial satisfaction among the employees in the District of Sidoarjo, as well as to analyze the relationship between income, debt, gender differences, financial literacy, and financial attitude. The object of this research is the employees in the District of Sidoarjo and techniques of data collection using the technique of purposive sampling and snowball sampling. Total respondents obtained is 298 by distributing questionnaires online. This research is conclusive causality and using the analysis technique of Structural Equation Modeling (SEM) in AMOS software version 24. The results of this study showed that the debt and financial attitude have a significant effect on financial satisfaction, while the variable income, gender differences and financial literacy does not affect the financial satisfaction. This study can be a useful reference for a variety of parties, especially labour/employees/employee where you should always act and behave better in financial terms, because the attitude towards finance plays an important role to determine the success or failure of the financial behavior of individuals. The high attitude of the individual financial can determine the high awareness in responsible for the expenditure of finances, so it will cause a positive impact on the behavior of financial management to achieve the satisfaction of personal finance.

Determinants of Financial Well-Being Among Young Workers in Jakarta During the Covid-19 Pandemic

2021 ◽  
Vol 26 (2) ◽  
pp. 295
Author(s):  
Pamela Lavonda, Ignatius Roni Setyawan, Margarita Ekadjadja
Keyword(s):  
Financial Literacy ◽  
Structural Equation ◽  
Sampling Technique ◽  
Well Being ◽  
Positive Influence ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Risks ◽  
Financial Attitudes ◽  
Financial Decisions

This study aims to analyze the effect of financial attitudes, financial behavior, and financial literacy on financial welfare. This research model uses convenience sampling technique through distributing questionnaires and collected as many as 163 respondents. The data was processed using the Structural Equation Modeling (SEM) method with smartPLS 3 software. The results indicate that financial attitudes have a positive influence on financial welfare. A good financial attitude can increase awareness to manage finances so as to improve financial well-being. Financial behavior has a positive influence on financial well-being. Good financial behavior encourages people to make long-term plans to cover unforeseen costs which can ultimately improve financial well-being. Financial literacy has a positive influence on financial well-being. Financial literacy not only affects the way individuals manage finances and solve financial problems, but also has implications for the individual's ability to make financial decisions related to investments, savings, and other financial risks. Thus financial prosperity can be achieved.

TRANSPARANSI PAJAK DAN KEPERCAYAAN WAJIB PAJAK TERHADAP KEPATUHAN WAJIB PAJAK (SURVEI PADAWAJIB PAJAK KOTA DKI JAKARTA)

2019 ◽  
Vol 4 (1) ◽  
pp. 1-18
Author(s):  
Madjidainun Rahma
Keyword(s):  
Structural Equation Modeling ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Target Population ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Research Results ◽  
Positive Effect

This research aims to identify and examine the effect of the Tax Transparency and Trust Taxpayers Against the Taxpayer Compliance existing areas of Jakarta. The method used is descriptive and associative. Target population studied is Unit in Unit 14 Analysis of the Tax Office in the region of Jakarta. Sampling technique used is random sampling. Model influence analyzed using SEM (Structural Equation Modeling ) with alternative method PLS ( Partial Least Square ) which is aimed at testing the Influence between Tax Transparency and Trust Taxpayers Against the Taxpayer Compliance that there diunit analysis has been given permission to conduct research. Results of the analysis showed that partially Tax Transparency and unsignificant positive effect on the Taxpayer Compliance. Similarly, the Trust Taxpayers partially positive and significant impact to the Taxpayer Compliance . Simultaneously Transparency and Trust Tax Taxpayers Against the Taxpayer Compliance effect, this means that the Tax and Trust trades Taxpayers together will increase the Taxpayer Compliance.   Keywords: Tax Transparency, Trust, Taxpayer Compliance.     Penelitan ini bertujuan untuk mengetahui dan menguji pengaruh Transparansi Pajak dan Kepercayaan Wajib Pajak Terhadap Kepatuhan Wajib Pajak yang ada wilayah DKI Jakarta. Metode yang digunakan adalah deskriptif dan asosiatif. Populasi target yang diteliti ialah Satuan Kerja yang ada di Unit Analisis 14 Kantor Pelayanan Pajak diwilayah DKI Jakarta. Teknik sampel yang digunakan ialah random sampling. Model pengaruh di analisa menggunakan analisis SEM (Structural Equation Modeling) dengan metode alternative PLS (Partial Least Square) yang bertujuan menguji Pengaruh antara Transparansi Pajak dan Kepercayaan Wajib Pajak Terhadap Kepatuhan Wajib Pajak yang ada diunit analisis yang telah diberi ijin untuk melakukan penelitian. Hasil analisis menunjukan bahwa Transparansi Pajak secara parsial berpengaruh positif dan tidak signifikan terhadap Kepatuhan Wajib Pajak. Begitu pula dengan Kepercayaan Wajib Pajak yang secara parsial berpengaruh positif dan signifikan terhadap Kepatuhan Wajib Pajak. Secara simultan Transparansi Pajak dan Kepercayaan Wajib Pajak berpengaruh Terhadap Kepatuhan Wajib Pajak, hal ini berarti bahwa dengan Transakasi Pajak dan Kepercayaan Wajib Pajak bersama-sama maka akan meningkatkan Kepatuhan Wajib Pajak.

The Role of Financial Behavior in Mediating the Influence of Socioeconomic Characteristic and Neuroticism Personality Traits on Financial Satisfaction

2021 ◽  
Vol 12 (1) ◽  
pp. 44-44
Author(s):  
Khaira Amalia Fachrudin
Keyword(s):  
Personality Traits ◽  
Structural Equation ◽  
Financial Behavior ◽  
Primary Data ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Investment Behavior ◽  
Socioeconomic Characteristic ◽  
Spending Behavior ◽  
Debt Behavior

The inherent socioeconomic characteristics and personality traits of individuals can have direct effects on their financial satisfaction. There has been no research that examines the effects of these two factors on financial satisfaction with financial behavior acting as the mediating variable even though it is very important to know whether individuals with certain characteristics and personality traits are able to increase their financial satisfaction by improving their financial behavior. 2. Methods This research involved 600 respondents in Medan, Indonesia. The primary data were obtained from the questionnaire. Data analyses were performed by using the partial least squares structural equation modeling (PLS-SEM) method. 3. Results and findings The test results show that at 5% of alpha, the financial behavior, which consists of investment behavior, debt behavior, and spending behavior, is able to mediate the effects of gender, age, level of education, income, and neuroticism traits on financial satisfaction. In addition, it is also found that the higher the individuals' scores on neuroticism are, the worse their investment, debt, and spending behaviors will be; however, their herding behavior and financial dissatisfaction increase. Moreover, these people are also not financially well-off. Keywords: Debt behavior, financial satisfaction, investment behavior, neuroticism personality traits, spending behavior.

scholarly journals Impact of Service Quality and Service Innovations on Competitive Advantage in Retailing

2019 ◽  
Vol 2 (2) ◽  
pp. 366-374
Author(s):  
R. Neni Kusumadewi ◽  
Otong Karyono
Keyword(s):  
Service Quality ◽  
Competitive Advantage ◽  
Random Sampling ◽  
Structural Equation ◽  
Industrial Revolution ◽  
Sampling Technique ◽  
Added Value ◽  
Equation Modeling ◽  
Stratified Random Sampling ◽  
Analysis Method

Current competitive environment induced by 4.0 industrial revolution has forced companies to focus on managing service to customer by provide added value to customers, so that it will increase competitiveness. This study aims to find out and analyze impact of service quality and service innovations on competitive advantage. Analysis method is descriptive statistical and Structural Equation Modeling with AMOS software. The sampling Technique was purposive sampling with combination cluster proportional stratified random sampling, the instrument to collect the data was questionnaire with manager, supervisor or employee of retailing. The results indicate that the service quality and service innovations impact on competitive advantage.

scholarly journals PENGARUH SERVQUAL TERHADAP KEPUASAN YANG BERDAMPAK PADA LOYALITAS PENGGUNA E-WALLET (OVO)

BISMA ◽  
2020 ◽  
Vol 14 (1) ◽  
pp. 48
Author(s):  
Bob Foster
Keyword(s):  
Service Quality ◽  
Direct Effect ◽  
Random Sampling ◽  
Consumer Satisfaction ◽  
Structural Equation ◽  
Sampling Technique ◽  
Equation Modeling ◽  
Consumer Loyalty ◽  
Verification Method ◽  
Digital Wallet

The purpose of this study is to analyze the direct effect of service quality on satisfaction, the direct effect of service quality and satisfaction on loyalty, the direct effect of satisfaction on loyalty, and the indirect effect of service quality on the loyalty of the users of e-wallet or digital wallet application (Ovo). The research sample consisted of 100 respondents taken by convenience random sampling technique. This research used a descriptive verification method. Data were analyzed using structural equation modeling run by Lisrel 8.80 software. The results showed that service quality and satisfaction had a positive and significant effect on loyalty, service quality had a positive and significant effect on satisfaction, and service quality had a positive and significant effect on loyalty as mediated by satisfaction. These results indicate that increasing service quality will increase consumer satisfaction, which finally increases consumer loyalty. Keywords: loyalty, satisfaction, service quality

scholarly journals Pengaruh Financial Literacy Dan Financial Attitude Terhadap Financial Satisfaction

2021 ◽  
Vol 3 (2) ◽  
pp. 417
Author(s):  
Natasya Putri Himawan ◽  
Hendra Wiyanto
Keyword(s):  
Structural Equation Modeling ◽  
Data Analysis ◽  
Financial Literacy ◽  
Structural Equation ◽  
Primary Data ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Probability Sampling ◽  
Analysis Technique ◽  
Program Version

The purpose of this research is to analyze and find out the impacts of financial literacy and financial attitude towards financial satisfaction. This research uses primary data by spreading online google form questionaire, with non-probability sampling. The samples used in the research are Go-Pay users based in West Jakarta. There are 264 respondents in total, but the usable data was as many as 240 respondents. The data analysis technique used is Structural Equation Modeling (SEM) with Smart-PLS program version 3.3.2. The result of this study show that there is a positive positive impacts between financial literacy and financial attitude towards financial satisfaction of Go-Pay user in West Jakarta. Tujuan dari penelitian ini adalah untuk menganalisa dan mengetahui pengaruh dari financial literacy dan financial attitude terhadap financial satisfaction. Penelitian ini menggunakan data primer melalui proses pengumpulan data dengan cara membagikan kuisioner secara online menggunakan google form serta menggunakan metode non-probability sampling. Sampel dalam penelitian ini adalah pengguna Go-Pay yang berdomisili di Jakarta Barat. Data yang berhasil dikumpulkan berjumlah 264 responden, namun data yang dapat digunakan adalah sebanyak 240 responden. Teknik analisis data yang digunakan adalah Structural Equation Modeling dengan program Smart-PLS versi 3.3.2. Hasil dari penelitian ini menunjukkan bahwa terdapat pengaruh positif antara financial literacy dan financial attitude terhadap financial satisfaction pada pengguna Go-Pay di Jakarta Barat.

scholarly journals Pengaruh Financial Attitude, Financial Behavior, Financial Knowledge, dan Risk Tolerance terhadap Financial Satisfaction

2020 ◽  
Vol 2 (3) ◽  
pp. 631
Author(s):  
Olivia Sandra Wijaya ◽  
Ary Satria Pamungkas
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Positive Influence ◽  
Risk Tolerance ◽  
Financial Knowledge ◽  
Financial Behavior ◽  
Equation Modeling ◽  
Financial Satisfaction ◽  
Probability Sampling ◽  
Analysis Technique

The purpose of this study is to examine the effect of Financial Attitude, Financial Behavior, Financial Knowledge and Risk Tolerance on Financial Satisfaction. The sample in this study is all residents who already have income or income in the Jakarta area. The sample was chosen by the non-probability sampling method, amounting to 190 respondents by distributing questionnaires online. The data analysis technique used is Structural Equation Modeling (SEM) which is assisted with the assistance of the Smart-PLS program.3.3.2. The results of this study are that there is a positive influence of Financial Attitude on Financial Satisfaction, there is a positive influence of Financial Behavior on Financial Satisfaction, and there is a positive influence of Financial Knowledge on Financial Satisfaction. While the results obtained in this study indicate there is no effect of Risk Tolerance on Financial Satisfaction. Tujuan dari penelitian ini adalah untuk meneliti mengetahui pengaruh Financial Attitude, Financial Behavior, Financial Knowledge dan Risk Tolerance terhadap Financial Satisfaction. Sampel pada penelitian ini adalah seluruh penduduk yang sudah memiliki pendapatan atau penghasilan di wilayah Jakarta. Sampel dipilih dengan metode non-probability sampling yang berjumlah 190 responden dengan penyebaran kuesioner secara online. Teknis analisis data digunakan adalah Structural Equation Modeling (SEM) yang dibantu dengan bantuan program Smart-PLS.3.3.2. Hasil dari penelitian ini adalah terdapat pengaruh positif Financial Attitude terhadap Financial Satisfaction, terdapat pengaruh positif Financial Behavior terhadap Financial Satisfaction, dan terdapat pengaruh positif Financial Knowledge terhadap Financial Satisfaction. Sedangkan hasil yang didapat pada penelitian ini menunjukkan tidak terdapat pengaruh Risk Tolerance terhadap Financial Satisfaction.

scholarly journals Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Bank Syariah Mandiri di Banjarmasin Kalimantan Selatan

2019 ◽  
Vol 2 (1) ◽  
Author(s):  
Restu Khaliq
Keyword(s):  
Structural Equation Modeling ◽  
Customer Satisfaction ◽  
Service Quality ◽  
Random Sampling ◽  
Structural Equation ◽  
Sampling Technique ◽  
Analysis Data ◽  
Equation Modeling ◽  
Dominant Dimension

The purpose of this study was to determine whether there was a significant effect of CARTER's service quality consisting of compliance, assurance, reliability, tangible, empathy, and responsiveness to customer satisfaction at Bank Syariah Mandiri Banjarmasin. Structural Equation Modeling (SEM) by smartPLS was used in the analysis data of this research. The sample of this study was 100 respondents, taken by random sampling technique. Data was collected using a questionnaire. The results showed that there was a significant effect of CARTER service quality consisting of compliance, assurance, reliability, tangible, empathy, and responsiveness to customer satisfaction at Bank Syariah Mandiri Banjarmasin because all T-Statistics values were above 1,960. The most dominant dimension in influencing customer satisfaction is a dimension of compliance regarding the application of Islamic sharia principles.Keywords: Service Quality, Customer Satisfaction, CARTERTujuan penelitian ini adalah untuk mengetahui apakah ada pengaruh yang signifikan dari kualitas pelayanan CARTER yang terdiri dari compliance, assurance, reliability, tangible, empathy, dan responsiveness terhadap kepuasan nasabah pada Bank Syariah Mandiri Banjarmasin. Structural Equation Modeling (SEM) menggunakan smartPLS digunakan dalam analisis data penelitian ini. Sampel penelitian ini sebesar 100 orang responden diambil dengan teknik random sampling. Data dikumpulkan menggunakan angket. Hasil penelitian menunjukkan bahwa terdapat pengaruh yang signifikan dari kualitas pelayanan CARTER yang terdiri dari compliance, assurance, reliability, tangible, empathy, dan responsiveness terhadap kepuasan nasabah pada Bank Syariah Mandiri Banjarmasin karena seluruh nilai T-Statistics berada diatas 1,960. Dimensi yang paling dominan dalam mempengaruhi kepuasan nasabah adalah dimensi compliance tentang penerapan prinsip syariah Islam.Kata Kunci: Kualitas Pelayanan, Kepuasan Pelanggan, CARTER

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