Perancangan Sistem Personal Financial Planner Kombinasi Api Firebase Cloud Messaging Berbasis Android

Abstrak: Perencanaan keuangan sangatlah penting dalam mendukung realisasi keinginan. Tujuan dari perencanaan keuangan yaitu pengeluaran keuangan tidak lebih besar dari pendapatan sehingga dalam prosesnya membutuhkan cara untuk menjadi pribadi yang lebih sejahtera dengan mengontrol keuangannya dengan bijak dan cermat. Generasi muda saat ini masih banyak yang belum dapat merencanakan dan mengendalikan penggunaan uang untuk pencapaian tujuannya. Melakukan pengendalian dan pencatatan akan biaya pengeluaran sangat sulit karena hasil dari perencanaan keuangan tidak dapat diketahui langsung dan kurang akan informasi perbandingan harga barang. Adanya perancangan sistem keuangan yang dapat dibawa dimana saja akan mempermudah mencatat biaya pengeluaran maupun biaya pemasukan sehari-harinya serta dapat mensimulasikan perencanaan keuangan. Memanfaatkan teknologi API Firebase Cloud Messaging (FCM) untuk memberi informasi barang yang termurah dari beberapa barang keperluan, selanjutnya melakukan perencanaan keuangan dan di implementasikan pada perangkat perangkat pintar AndroidKata kunci: Firebase Cloud Messaging, Perencana Keuangan Pribadi, Simulasi Keuangan, Aplikasi AndroidAbstract: Financial planning is essential in supporting the realization of desires. The purpose of financial planning is that financial expenditures are not greater than income. The process requires a way to become a more prosperous person by controlling his finances wisely and carefully. Unfortunately, many young people today have not been able to plan and control money to achieve their goals. Controlling and recording expenditure costs is very difficult because financial planning results cannot be known directly, and there is less information on comparing prices of goods. A financial system design that can be carried anywhere will make it easier to record daily expenses and income costs and simulate financial planning—utilizing Firebase Cloud Messaging (FCM) API technology to provide information on the cheapest product from stores and with methods for financial planning and implemented on Android smart devices.Keywords: Firebase Cloud Messaging, Personal Finacial Planner, Financial Simulation Android Application.

PENGARUH BISNIS WEALTH MANAGEMENT DAN LAYANAN PRIORITAS TERHADAP CROSS SELLING PRODUCT NASABAH DI BNI KANTOR CABANG BEKASI

Penelitian ini bertujuan untuk mengetahui pengaruh bisnis wealth management dan layanan prioritas terhadap cross selling product nasabah di BNI Kantar Cabang Bekasi. Metode penelitian yang digunakan adalah metode penelitian kuantitatif dengan analisis uji validitas, reliabilitas, normalitas, uji t, uji F dan regresi linear berganda. Populasi dalam penelitian ini adalah seluruh nasabah yang terdaftar di Bank BNI Kantor Cabang Bekasi berjumlah 1479 dengan menggunakan purposive sampling diperoleh sample berjumlah 93. Terdapat pengaruh variable Bisnis Wealth Management (BWM) terhadap Cross selling product Nasabah di BNI Kantor Cabang Bekasi secara parsial. Penelitian ini membuktikan peran Bisnis Wealth Management sangat penting untuk dapat meningkatkan Cross Selling Nasabah, karena dalam Bisnis Wealth Management dapat diterapkan metode Financial Planner oleh Relationship Officer untuk mengelola Portofolio Nasabah, sesuai dengan Profil Resiko dan Produk yang tersedia di BNI. Tidak terdapat pengaruh variable Layanan Prioritas terhadap Cross selling product Nasabah di BNI Kantor Cabang Bekasi secara parsial. Dalam Penelitian ini, Responden menilai bahwa Layanan Prioritas yang disediakan oleh BNI sudah dapat dinikmati cukup dengan Kartu BNI Emerald saja, tidak perlu memiliki Produk pendukung lainnya. Hal ini sebaiknya menjadi perhatian untuk dapat disosialisasikan lagi perihal Promosi, Program dan Previllege di BNI agar lebih menarik untuk meningkatkan Cross Selling Product Nasabah di BNI Kantor Cabang Bekasi. Terdapat pengaruh secara simultan variable Bisnis Wealth Management (BWM) dan Layanan Prioritas terhadap Cross selling product Nasabah di BNI Kantor Cabang Bekasi, ke tiga Variabel dalam penelitian ini secara bersama-sama saling terkait, karena Bisnis Wealth Management terbukti dapat meningkatkan Cross Selling Product Nasabah, namun dengan adanya Layanan Prioritas dengan Program, Promo dan Prevellge yang menarik dan sesuai dengan kebutuhan Nasabah, maka Nasabah BNI Emerald akan menjadi loyal dan menjadikan BNI sebagai Bank utama untuk kebutuhan transaksi Financialnya Kata kunci: Bisnis wealth management dan layanan prioritas terhadap cross selling product nasabah

Retirement funding adequacy in black South African townships

PurposeThis study investigates the retirement funding adequacy of black South Africans and how it can be influenced by family structure, health status, financial literacy and the role of the financial planner.Design/methodology/approachA mixed sampling approach was applied to collect data from 441 black South Africans. An exploratory factor analysis (EFA) was undertaken and Cronbach's alphas were calculated to confirm the validity and reliability of the measuring instrument. Structural equation modeling was the main statistical procedure applied to test the hypothesised relationships in the research.FindingsMost of the respondents reside in informal urban areas or townships. The findings show a significant positive relationship between financial literacy and the retirement funding adequacy of black individuals. The study found that individuals who are concerned about the wellness of their family, health and finances are more likely to maintain their standard of living at retirement. However, the role of the financial planner, among black South Africans, does not influence their retirement funding adequacy.Practical implicationsBlack South Africans are attentive to the wellness of their family, health and finances despite the necessity to support nuclear and extended family members. Financial institutions need to consider this aspect when providing financial advice to individuals who have many financial dependents.Originality/valueThis study contributes to the limited understanding on the factors that influence the retirement funding adequacy of black South Africans and it provides recommendations on improving retirement funding adequacy.

Drivers of Long-Term Care Considerations by Persons With Cognitive Impairment

Consideration of place of care is the first step in long-term care (LTC) planning and is critical for patients diagnosed with Alzheimer’s disease; yet, drivers of consideration of place of care are unknown. We apply machine learning algorithms to cross-sectional data from the CARE-IDEAS (Caregivers’ Reactions and Experience: Imaging Dementia—Evidence for Amyloid Scanning) study ( n = 869 dyads) to identify drivers of patient consideration of institutional, in-home paid, and family care. Although decisions about LTC are complex, important drivers included whether patients consulted with a financial planner about LTC, patient demographics, loneliness, and geographical proximity of family members. Findings about consulting with a financial planner match literature showing that perceived financial constraints limit the range of choices in LTC planning. Well-documented drivers of institutionalization, such as care partner burden, were not identified as important variables. By understanding which factors drive patients to consider each type of care, clinicians can guide patients and their families in LTC planning.

Exploring Perceptions of Graduates' Experiences That Impact Certified Financial Planner Certification: A Multiple Case Inquiry

This study utilized qualitative methods to explore perceptions of graduates from Certified Financial Planning Board of Standards, Inc. Registered Programs regarding experiences that impact Certified Financial Planner (CFP) certification completion. Participants (N = 16) were classified into four different groups: Certified, In Progress, With Intentions, and No Intentions. In general, the themes that emerged from within case analyses and across cases related to four areas, including preservice experience, intrinsic motivation, employment, and respect for the CFP marks. The results of this study suggest that financial service firms have a number of opportunities to strengthen the interest in a financial planning career and assist recent graduates in their pursuit of CFP certification with time and financial support of the examination process.

The factors influencing the use of financial planners

Individuals need to seek professional financial advice to achieve their financial goals. However, some do not see the value of consulting financial planners, and show little intention to use financial planners. Furthermore, there is a lack of research explaining why these individuals do not make use of financial planners. This study aims, therefore, to investigate the factors that could possibly influence individuals’ intentions to make use of a financial planner: awareness, perceived image, trust, and perceived rewards. To achieve this, a hypothesised model and hypotheses were developed and empirically tested. The results of the study indicated that there are significant relationships between perceived image and rewards, on the one hand, and intentions to use a financial planner, on the other. Thus financial planners must portray a positive image and deliver the perceived benefits of engaging in financial planning if individuals are to recognise the value in making use of their services.