scholarly journals Financial Aberrations of Rural Customers of Business Correspondents: Characteristics, Cases and Curative Strategies

2021 ◽  
Vol 8 (3) ◽  
pp. 401-407
Author(s):  
Samirendra Nath Dhar ◽  
Pintu Prasad Jaiswal
Keyword(s):  
Financial Literacy ◽  
Longitudinal Research ◽  
Financial Inclusion ◽  
Literacy Programs ◽  
Significant Positive Effect ◽  
Literacy Programme ◽  
Male And Female ◽  
Longitudinal Research Design ◽  
Positive Effect ◽  
Financial Process

Financial Inclusion through Business Correspondents is not free from financial aberrations. On the basis of some cases the paper investigated into the types and frequency of the financial aberrations, which are incident on customers .The magnitude of shocks as perceived by the BC customers due to the financial process aberrations and irregularities were gauged on a Likert scale and was found to be significantly high. As these shocks have a bearing on financial resilience, the research further attempted to investigate whether awareness of dealing with the system and thereby increasing financial resilience could be developed through financial literacy programs. A longitudinal research design was adopted and 17-18% of the male and female respondents from each district were exposed to a financial literacy programme in this context as devised by the researchers. It was found that the administration of the program on poor BC customers had a significant positive effect on their awareness and therefore on their build-up of financial resilience. Int. J. Soc. Sc. Manage. Vol. 8, Issue-3: 401-407.

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 Pengaruh gaya hidup, kecerdasan emosional dan literasi keuangan terhadap rasionalitas konsumsi mahasiswa pendidikan ekonomi angkatan 2018 Universitas Negeri Malang

2021 ◽  
Vol 1 (7) ◽  
pp. 697-686
Author(s):  
Aida Miftachul Jannah ◽  
Lisa Rokhmani
Keyword(s):  
Emotional Intelligence ◽  
Financial Literacy ◽  
Random Sampling ◽  
Linear Regression Analysis ◽  
Economic Education ◽  
Economics Education ◽  
State University ◽  
Significant Positive Effect ◽  
Education Students ◽  
Positive Effect

Abstract In this modern era, the world is enjoying the phenomenon of increasingly rapid technological development, this phenomenon is called the industrial revolution 4.0. Humans will be required to become more rational individuals in carrying out consumption activities and also to fulfill various desires that arise in them. This study aims to determine the partial and simultaneous influence on lifestyle, emotional intelligence, and financial literacy on consumption rationality in 2018 Economics Education students, State University of Malang. This research uses a quantitative approach with quantitative descriptive research. The population of this research is all students of economic education class 2018 State University of Malang. The technique used in sampling is proportional random sampling. To determine the sample size is calculated using the Slovin formula. This study used a sample of 99 students spread over 6 classes from a population of 131 students. The instruments in this study were questionnaires and multiple-choice tests. The data analysis method in this study uses multiple linear regression analysis with the help of the SPSS version 25 program. The results of the analysis in this study show that: (1) Lifestyle has a significant effect on consumption rationality. (2) Emotional Intelligence has a significant positive effect on consumption rationality. (3) Financial Literacy has a significant positive effect on the rationality of student consumption. (4) Lifestyle, emotional intelligence, and financial literacy affect the consumption rationality of 2018 Economics Education students Abstrak Pada era modern ini dunia sedang menikmati fenomena perkembangan teknologi yang semakin pesat, fenomena ini disebut dengan revolusi industri 4.0. Manusia akan dituntut untuk lebih menjadi individu yang rasional dalam melakukan kegiatan konsumsi dan juga untuk memenuhi berbagai keinginan yang muncul dalam dirinya. Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial dan simultan pada gaya hidup, kecerdasan emosional dan literasi keuangan terhadap rasionalitas konsumsi pada mahasiswa Pendidikan Ekonomi angkatan 2018 Universitas Negeri Malang. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian deskriptif kuantitatif. Populasi penelitian ini adalah seluruh mahasiswa pendidikan ekonomi angkatan 2018 Universitas Negeri Malang. Teknik yang digunakan dalam pengambilan sampel adalah proportional random sampling. Untuk menentukan besarnya sampel dihitung dengan menggunakan rumus slovin. Penelitian ini menggunakan sampel sebesar 99 mahasiswa yang tersebar di 6 kelas dari populasi yang berjumlah 131 mahasiswa. Instrumen dalam penelitian ini adalah angket dan tes pilihan ganda. Metode analisis data dalam penelitian ini menggunakan analisis regresi linear berganda dengan bantuan program SPSS versi 25. Hasil analisis dalam penelitian menunjukkan bahwa: (1) Gaya Hidup berpengaruh signifikan terhadap rasionalitas konsumsi. (2) Kecerdasan Emosional berpengaruh positif signifikan terhadap rasionalitas konsumsi. (3) Literasi Keuangan berpengaruh positif signifikan terhadap rasionalitas konsumsi mahasiswa. (4) Gaya hidup, kecerdasan emosional dan literasi keuangan berpengaruh terhadap rasionalitas konsumsi mahasiswa Pendidikan Ekonomi angkatan 2018.

scholarly journals IS BEHAVIOR FINANCE AFFECTED BY INCOME, LEARNING FINANCE AND LIFESTYLE?

2021 ◽  
pp. 29-40
Author(s):  
Aulia Rahman ◽  
Asep Risman
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Financial Literacy ◽  
Financial Behavior ◽  
Primary Data ◽  
Significant Positive Effect ◽  
Analysis Technique ◽  
Data Collection Process ◽  
Behavior Finance ◽  
Positive Effect

The purpose of this study is to determine whether there is a relationship between financial behavior based on income, financial literacy and a personal lifestyle. This study uses primary data through a data collection process by distributing questionnaires online (using Google Forms) among the total of 50 respondents. The data analysis technique used here is SPSS, version 25. The results of this study indicate that there is a significant positive effect between financial literacy variables and financial behavior. Meanwhile, income and lifestyle variables seem to have no influence on financial behavior.

scholarly journals Pendampingan Manajemen Keuangan Melalui Program Literasi Keuangan Kepada Komunitas Usaha Mikro Kecil dan Menengah (UMKM) yang Terjerat Rentenir di Kabupaten Nganjuk

2019 ◽  
Vol 3 (1) ◽  
pp. 113-126
Author(s):  
Ainna Amalia FN ◽  
Lilis Rahmawati
Keyword(s):  
Community Development ◽  
Financial Literacy ◽  
Financial Management ◽  
Financial Institution ◽  
Financial Inclusion ◽  
Business Community ◽  
Literacy Programs ◽  
Management Skills ◽  
Asset Based Community Development ◽  
Management Capabilities

The development of UMKM in the process does not always go smoothly, sometimes the business also has obstacles, including being entangled by moneylenders. Therefore, the Assistant Team of Al ‘Ula Islamic Financial Institution of STAI Miftahul Ula Nglawak partnered with the NU LKK Nganjuk and Cooperative-UMKM Office of Nganjuk provides capital assistance without interest for MSME community through literacy programs. By using the Asset-Based Community Development (ABCD) method, this study aims to provide financial management assistance for UMKM Community who were entangeled by moneylenders.  The results of the study indicate social change as follows: (1) awareness increases the productivity and work ethic; (2) the emergence of financial management skills through financial literacy; (3) financial literacy, which is the emergence of financial inclusion, financial passport, and financial access issues; (4) the emergence of efforts optimization to empower financial management capabilities; (5) able to make strategic planning to improve the level of the business community; (6) the emergence of new assistants;  (7) there is a partnership between the assistant team and stakeholders.

scholarly journals ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR

2020 ◽  
Vol 5 (01) ◽  
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 Effect of Financial Literation and Financing-Effectivity toward the Growth of Small Enterprises: Case Study in Bank Syariah Mandiri, Majalengka

2019 ◽  
Vol 4 (2) ◽  
pp. 163
Author(s):  
Robiatul Hikmah ◽  
Diana Djuwita ◽  
Ridwan Widagdo
Keyword(s):  
Linear Regression ◽  
Financial Literacy ◽  
Quantitative Research ◽  
Business Development ◽  
Small Enterprises ◽  
Test Results ◽  
Significant Positive Effect ◽  
Simultaneous Test ◽  
Positive Effect

Purposes: This study aims to determine the effect partially and simultaneously between financial literacy and financing effectiveness on business development in Micro Warung financing in Bank Syariah Mandiri Majalengka Branch.Design/Methodology/Approach: This study uses a type of quantitative research. The number of samples is 80 respondents. The technique of collecting data through questionnaires and documentation.Analysis of the data used are research instruments, classical assumptions, multiple linear regression, determinant test, and hypothesis testing, research using SPSS version 20.Findings: The partial test results show that financial literacy variables have a significant positive effect on business development, financing effectiveness has a significant positive effect on development business. The simultaneous test results show that there is a positive and significant influence between financial literacy and financing effectiveness on business development. The effect of financial literacy and financing effectiveness contributes 73.12% to business development.Originality/Value: Main contribution of the article is identified from its issues selected to reach new insight on relationship between financial literation, financing effectivity toward growth of small enterprises. This, exactly, can be a model for previous research on related-issues.

scholarly journals Analisis Pengaruh Literasi Keuangan, Financial Technology, dan Demografi terhadap Inklusi Keuangan pada Masyarakat di Kota Surabaya

2020 ◽  
Vol 8 (4) ◽  
pp. 1233
Author(s):  
Adinda Novita Sari ◽  
Achmad Kautsar
Keyword(s):  
Financial Literacy ◽  
Industrial Revolution ◽  
Statistical Tests ◽  
Financial Inclusion ◽  
Independent Variables ◽  
Analysis Technique ◽  
Quota Sampling ◽  
The City ◽  
Positive Effect ◽  
Financial Technology

Financial inclusion is one of the interesting discussions in global economic development. Indonesia is a country in ASEAN which has the most rapid increase in financial inclusion in recent years. In the era of the industrial revolution 4.0, everyone is required to be able to follow the development of existing technology and information. This study aims to determine the influence of independent variables (financial literacy, financial technology, demographics) on the dependent variable (financial inclusion) in the City of Surabaya. This study is a causality study with quota sampling. The data of this study is quantitative by collecting data by questionnaire. The data analysis technique used is multiple linear regression. The result of this study based on t statistical tests show that financial literacy, age, and education have a positive effect on financial inclusion. While the variables financial technology, gender, and income did not affect on financial inclusion. Based on the statistical test f, all of the independent variables simultaneously influence the dependent variable (financial inclusion).

scholarly journals VARIABEL EKONOMI MONETER YANG MEMPENGARUHI PERTUMBUHAN EKONOMI DAN FINANCIAL INCLUSION BANK SYARIAH DI INDONESIA PERIODE 2010-2017

2020 ◽  
Vol 6 (7) ◽  
pp. 1395
Author(s):  
Kholifatun Nahdliyah ◽  
Atina Shofawati
Keyword(s):  
Economic Growth ◽  
Exchange Rate ◽  
Money Supply ◽  
Latent Variables ◽  
Partial Least Square ◽  
Financial Inclusion ◽  
Series Data ◽  
Research Approach ◽  
Significant Positive Effect ◽  
Positive Effect

This study aims to determine the effect of exchange rate and money supply on economic growth and financial inclusion in Bank Syariah Period 2010-2017. The sample used is saturated samples, ie all parts of Sharia Bank, including Sharia Commercial Bank and Sharia Business Unit which in the last year of 2017 amounted to 13 Sharia Commercial Banks and 21 Sharia Business Units, furthermore this research uses time series data analysis by analyzing data from year to year. The research approach used is quantitative approach using analysis technique PLS (Partial Least Square) with four latent variables namely exchange rate and money supply as exogenous variable, economic growth as endogen intervention variable, and financial inclusion as endogen variable. The results of this study indicate: the exchange rate has a significant negative effect on economic growth, the money supply has a significant positive effect on economic growth, economic growth has a significant positive effect on financial inclusion of Sharia Bank.Keywords: exchange rate, money supply, economic growth, and financial inclusion

scholarly journals PENGARUH SIKAP KEUANGAN DAN PERILAKU KEUANGAN TERHADAP LITERASI KEUANGAN

2019 ◽  
Vol 2 (1) ◽  
Author(s):  
Wilda Rahmayanti ◽  
Hanifa Sri Nuryani ◽  
Abdul Salam
Keyword(s):  
Financial Literacy ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Financial Behavior ◽  
Significant Positive Effect ◽  
Significance Level ◽  
A Value ◽  
Positive Effect

This study aims to examine the effect of financial attitude and financial behavior on financial literacy (case study on the housewives in the Lito Village, Moyo Hulu Subdistrict, Sumbawa District). This research is a quantitative research with a causal method. The method of data collection was done by distributing questionnaires to 125 respondents, namely the housewives in the Lito Village, Moyo Hulu Subdistrict, Sumbawa Regency. The sampling technique uses purposive sampling. Data analysis used is multiple linear regression analysis. Based on the results of the study it can be concluded that financial attitudes a significant positive effect on financial literacy with a value of 4.382> 1,657 and a significance level (α) 0,000 <0.05, financial behavior has a significant positive effect on financial literacy with a value of 5,060> 1,657 and a significance level (α) of 0,000 <0.05 and the level of financial literacy of housewives is very high 98.4% (>76%).

scholarly journals Pengaruh Literasi Keuangan dan Faktor Demografi Terhadap Keputusan Investasi Mahasiswa FE Universitas Sarjanawiyata Tamansiswa

2021 ◽  
Vol 6 (1) ◽  
pp. 81
Author(s):  
Muhammad Ahkam Al-Aziz ◽  
Risal Rinofah
Keyword(s):  
Financial Literacy ◽  
Quantitative Methods ◽  
Descriptive Analysis ◽  
Investment Decisions ◽  
Demographic Factors ◽  
Significant Positive Effect ◽  
Analysis Method ◽  
Validity And Reliability ◽  
Regression Test ◽  
Positive Effect

This study aims to find out the influence of financial literacy and demographic factors such as gender, generation year and income on student investment decisions at the Faculty of Economics Sarjanawiyata Tamansiswa University. Respondents to this study numbered 100 students from FE UST class of 2017 to 2020. The method used in this research uses quantitative methods. While the data analysis method used, among others descriptive analysis, validity and reliability test, and multiple regression test with the help of SPSS 20 program. The results of this study show that financial literacy has a significant positive effect on investment decisions. However, on demographic factors only the year of the force has a significant positive effect on investment decisions. While the year of force and income has no significant positive effect on investment decisions.

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