scholarly journals ANALISIS LITERASI KEUANGAN DAN FAKTOR-FAKTOR YANG MEMPENGARUHINYA

2018 ◽  
Vol 8 (2) ◽  
Author(s):  
Suryanto Suryanto ◽  
Mas Rasmini
Keyword(s):  
Financial Literacy ◽  
Formal Education ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Education Level ◽  
Primary Data ◽  
Analysis Technique ◽  
Business Income ◽  
Medium Enterprises ◽  
The City

This study aims to analyze financial literacy and find out the factors that influence the financial literacy ofmicro, small and medium enterprises (MSMEs) in the city of Bandung. This study uses a quantitativeapproach to the type of verification research. Primary data is obtained through the distribution ofquestionnaires to MSMEs players in the city of Bandung. The sampling technique uses proportional randomsampling with a sample size of 30 respondents. Other data is obtained through library observation andstudy. The analysis technique used is multiple linear regression. The results showed that the financialliteracy of SMEs in the city of Bandung was in the medium category. There are several factors thatsimultaneously influence financial literacy, namely age, formal education level, and business income. Whilepartially only the formal education level and business income that influences the level of financial literacy.While age does not have an effect on the level of financial literacy.

scholarly journals Analisis Kinerja Keuangan dengan Literasi Keuangan Syariah Sebagai Variabel Intervening

2020 ◽  
Vol 8 (1) ◽  
pp. 113
Author(s):  
Nurul Astutik ◽  
Anna Widiastuti
Keyword(s):  
Economic Development ◽  
Financial Performance ◽  
Performance Improvement ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Primary Data ◽  
Financial Satisfaction ◽  
Medium Enterprises

Micro, Small and Medium Enterprises (MSMEs) have an important role for a country's economic development in addition to being able to absorb labor as well as its contribution to Gross Domestic Product (GDP), where MSMEs are the largest informal sector driver in Indonesia. One of the concerns of many countries is from the financial literacy that is owned, but for this research the sharia financial literacy dimension is used. This study aims to analyze the financial performance of ikat weaving in Troso Jepara through determinants namely  hopelessness, religiosity and financial satisfaction with intervening Islamic financial literacy. Primary data were obtained from the results of questionnaire responses submitted to 88 respondents and analyzed with SPSS. Determination of the number of samples using the Slovin formula with the Incindental Sampling technique. The results of the study found that hopelessness did not affect islamic financial literacy, while religiosity influenced islamic financial literacy at MSMEs, while financial performance was only financial satisfaction variables that had an influence on performance improvement at MSME Weaving Ikats in Jepara Regency

scholarly journals Faktor-faktor yang mempengaruhi penggunaan aplikasi online pada pelaku usaha mikro kecil dan menengah di Kota Jambi

2021 ◽  
Vol 16 (2) ◽  
pp. 255-266
Author(s):  
Etik Umiyati ◽  
Erni Achmad
Keyword(s):  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Digital Economy ◽  
Primary Data ◽  
Technological Advances ◽  
Information Technology Training ◽  
Independent Variable ◽  
Medium Enterprises ◽  
The City ◽  
Economic Use

Digital developments make micro, small and medium enterprises must adjust to technological advances. the adoption of digital economic use of MSME actors is still relatively low. This is caused by several factors. The purpose of this study is to analyze the factors that influence the use of digital economy in SMEs in the City of Jambi. This study uses primary data with a purposive random sampling technique. The number of samples is 105 respondents. The analytical tool used is binary logit regression. Dependent variables are business actors who use digital (score = 1) and those who do not use digital (score = 0). The independent variable is household characteristics and business characteristics. From the results of the study obtained factors that influence MSMEs in using the digital economy are business type variables, information technology training, partnerships, age, education level and internet network.  

scholarly journals Peran Religiusitas Sebagai Moderasi Determinan Tindakan Penggelapan Pajak

2021 ◽  
Vol 5 (2) ◽  
pp. 155-172
Author(s):  
Dwi Pujiastuti ◽  
Fany Indriyani
Keyword(s):  
Tax Evasion ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Subjective Norms ◽  
Primary Data ◽  
Tax Collection ◽  
Medium Enterprises ◽  
Individual Value ◽  
Taxation System ◽  
The City

The purpose of this research is to show the effect of fairness of tax collection, subjective norms, taxation system, and tax sanctions on tax evasion, which is moderated by religiosity. This study uses a quantitative approach. The data used are primary data derived from questionnaires. The population used are entrepreneurs registered with the cooperative service, small and medium enterprises in the city of Salatiga. The sampling technique used purposive sampling to obtain as many as 33 samples. Data analysis using multiple linear regression and moderated regression analysis (MRA). The results showed that the fairness of tax collection, taxation system, and tax sanctions could not affect the act of tax evasion. Then religiosity cannot be a moderator in the act of tax evasion. However, subjective norms have been shown to influence tax evasion. Subjective norms are suggestions or invitations to those closest to them to comply with tax regulations not to commit tax evasion. Religiosity cannot reduce tax evasion because it is influenced by external factors so that religiosity as an individual value embedded in the person cannot be a component that reduces tax evasion.

Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan Masyarakat terhadap Minat Menabung di Bank Syariah

2020 ◽  
Vol 3 (2) ◽  
pp. 140-153
Author(s):  
Resti Fadhilah Nurrohmah ◽  
Radia Purbayati
Keyword(s):  
Financial Literacy ◽  
Linear Regression Analysis ◽  
Public Trust ◽  
Multiple Linear Regression Analysis ◽  
Primary Data ◽  
Public Confidence ◽  
Islamic Banks ◽  
Variable Level ◽  
Analysis Technique ◽  
The City

The purpose of this study was to study the level of Islamic financial literacy and public confidence in the interest in saving in Islamic banks. The variables in this study are the level of Islamic financial literacy (X1), public trust (X2), and interest in saving (Y).The method of this study is descriptive quantitative approach. The data source of this study are primary data obtained by distributing questionnaires. Respondents taken are residents in the city of Bandung, with samples domiciled in the city of Bandung and at least 17 years old. The data analysis technique uses multiple linear regression analysis. The results showed that the variable level of islamic financial literacy and public trust has positive effect in the interest in saving in Islamic banks. The findings in this study provide a reference to Islamic banks, the level of literacy and public trust regarding interest in saving, therefore Islamic banks must socialize to the public.

The Impact of Financial Literacy on Financial Preparedness for Retirement in the Small and Medium Enterprises Sector in Uganda

2020 ◽  
Vol 9 (3) ◽  
pp. 26-41
Author(s):  
Colin Agabalinda ◽  
Alain Vilard Ndi Isoh
Keyword(s):  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Group Analysis ◽  
Moderating Effect ◽  
Primary Data ◽  
Retirement Preparedness ◽  
Medium Enterprises ◽  
The Impact ◽  
The Relationship ◽  
Effect Of Age

The study investigated the direct effects of financial literacy (knowledge, skills, and attitudes) on financial preparedness for retirement and the moderating effect of age among the small and medium enterprises in Uganda. Primary data was collected from a sample of n = 380 selected from the SME workforce. Descriptive analysis was run on SPSS, while validity and reliability of the measurement items yielded satisfactory composite reliability scores and average variance explained (AVE) scores for all items. Structural equation modelling (SEM) was used to test the hypotheses and multi-group analysis conducted to test for the moderating effect of age on the relationship between financial literacy and retirement preparedness. The results revealed that knowledge and skills were significant predictors of retirement preparedness. However, ‘attitude' was not a significant predictor, and age had no moderating effect on the relationship between the study variables. These findings present practical implications for policymakers and financial educators in a developing country context.

scholarly journals The effect of financial literacy towards financial inclusion through financial training

2019 ◽  
Vol 3 (1) ◽  
pp. 186-192
Author(s):  
Amram Rohi Bire ◽  
Heni Matelda Sauw ◽  
Maria
Keyword(s):  
Financial Literacy ◽  
Financial Training ◽  
Small And Medium Enterprises ◽  
Financial Inclusion ◽  
Analysis Technique ◽  
The Future ◽  
Indirect Relationship ◽  
Medium Enterprises ◽  
The Relationship

The current study aimed to describe the influence of financial literacy on financial inclusion that mediated by financial training. It focused on Micro, Small, and Medium Enterprises (MSMEs). Respondents in the study were 54 respondents that were taken from 119 MSMEs in Kupang city, Indonesia. The analysis applied path analysis technique. It was to determine the direct or indirect relationship with SPSS Version 20. Analysis results have shown that financial literacy has got a direct and significant impact on financial inclusion. Its contribution to financial training is 33%. In the other side, the contribution of financial literacy towards inclusion is 32%.  Furthermore, financial training has mediated the relationship between financial literacy and financial inclusion. The presentation is 11%. This phenomenon shows that in the future, it is necessary to increase the frequency of financial training for MSMEs actors in Kupang city, Indonesia. The training has to be conducted to increase financial inclusion in understanding the knowledge of the financial product. Since the current study only examined financial literacy, financial inclusion, and financial training, it is suggested that the future researches may examine other aspects such as transparency, accountability, and quality of financial statements.

scholarly journals External Funding And The Development Of Small And Medium-Sized Businesses In The City Of Makassar (Indonesia): An Explanatory Quantitative Study

2020 ◽  
Vol 41 (49) ◽  
pp. 104-113
Author(s):  
Salmiyah THAHA ◽  
◽  
Chalid I. MUSA ◽  
Basril BADO ◽  
◽  
...  
Keyword(s):  
Data Collection ◽  
Quantitative Study ◽  
Structural Equation ◽  
Small And Medium Enterprises ◽  
Primary Data ◽  
Survey Method ◽  
External Funding ◽  
Medium Enterprises ◽  
The City ◽  
Small And Medium Business

Academics are interested in exploring small and medium business actors both from a macro perspective that examines external factors in developing small and medium business actors, as well as from a micro perspective on internal determinants that contribute to the performance for small and medium enterprises. The purpose of this study was to analyze the effect of entrepreneurial character on external funding and the development of small and medium business actors. This research is a quantitative study that explains the influence of exogenous variables on endogenous variables. Research location in the city of Makassar, South Sulawesi. The population in this study were 136 entrepreneurs who made loans to banks (State-owned enterprises) in the city of Makassar. The sampling of this study used the census sampling method (saturated sample). The data collection method uses a survey method with primary data collection in the form of a questionnaire. Data analysis techniques using structural equation modelling. The results showed that the entrepreneurial character variable had a significant effect on external funding and the development of small and medium business actors. Therefore, based on research findings, efforts to enhance the development of small and medium business actors in further research can develop further models.

scholarly journals The Effect Of Promotion Mix Costs On Sales Volume And Its Impact On The Benefits Of Agribusiness Medium Enterprises In Maros District

2021 ◽  
Vol 2 (1) ◽  
pp. 1-12
Author(s):  
Ahmad Rijal ◽  
Ahmad Ramadhan Siregar ◽  
Jusni
Keyword(s):  
Regression Analysis ◽  
Quantitative Research ◽  
Small And Medium Enterprises ◽  
Personal Selling ◽  
Sampling Technique ◽  
Sales Volume ◽  
Analysis Technique ◽  
Independent Variable ◽  
Medium Enterprises ◽  
Intervening Variables

This research was conducted on Small and Medium Enterprises in the agribusiness sector in Maros Regency by taking data on the promotion mix costs, sales volume and profits from 2017-2019. The purpose of this research is to partially determine the effect of advertising costs, promotion costs, personal selling costs on sales volume in increasing profits in agribusiness Small and Medium Enterprises in Maros district. This type of quantitative research uses an associative approach which aims to determine the effect and relationship between the independent variable and the dependent variable through intervening variables. The sample in the study obtained 21 small and medium enterprises using purposive sampling technique. The data analysis technique used is regression analysis with the help of SPSS and Sobel test. The results showed that advertising costs (X1) and personal selling costs (X3) had a significant effect on sales volume in increasing profits with the calculated value of the Sobel test, the Z1 value obtained was 2.0337 and Z3 was 2.168 > 1.669 and the selling promotion costs ( X2) does not have a significant effect on sales volume in increasing profits in small and medium agribusiness enterprises in Maros district. The value of the calculation of the Sobel test, the Z2 value obtained is -0.4967 < 1.669 (t table N = 63, Prob 5%).

scholarly journals Determinants of the Quality Financial Information Small and Medium Enterprises Sector

2021 ◽  
Vol 2 (4) ◽  
pp. 1197-1202
Author(s):  
Aris Eddy sarwono ◽  
Asih Handayani
Keyword(s):  
Information System ◽  
Formal Education ◽  
Small And Medium Enterprises ◽  
Accounting Information ◽  
Skills Training ◽  
Primary Data ◽  
Education Programs ◽  
Training And Education ◽  
Accounting Information System ◽  
Medium Enterprises

This study aims to determine the effect of owner support, personal technical skills, training and education programs, age, gender, length of business and formal education on the performance of accounting information systems. This research was conducted on Small and Medium Enterprises (SMEs) in the Solo Raya area. The type of data used is quantitative data. The data source used is primary data. Data collection techniques using a questionnaire. The population in this study is SMEs in the Solo Raya area. The sampling technique used purposive sampling method with the number of samples determined with a specific purpose as many as 56 SMEs. The results showed that the variables of owner support, personal technical ability, training and education programs had an effect on the performance of the accounting information system, while variables of age, gender, length of business and formal education had no effect on the performance of the accounting information system.

scholarly journals Literasi Keuangan dan Pendapatan Usaha dalam Mempengaruhi Perilaku Menabung Pelaku UKM

2022 ◽  
Vol 1 (2) ◽  
pp. 205-212
Author(s):  
Baskoro A. Pamungkas ◽  
Heru Mulyanto ◽  
Meli Andriyani
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Research Data ◽  
The Other ◽  
Analysis Tool ◽  
Saving Behavior ◽  
Business Income ◽  
Medium Enterprises

Penelitian ini berusaha menganalisis pengaruh literasi keuangan dan pendapatan usaha terhadap perilaku menabung pelaku Usaha Kecil Menengah (UKM). Data penelitian melalui kuesioner yang diberikan kepada 282 pelaku UKM di Depok dari berbagai bidang. Regresi ganda digunakan sebagai alat analisis diolah dengan SPSS 23. Temuan penelitian diperolehnya pengaruh literasi keuangan terhadap perilaku menabung pelaku UKM di Depok. Literasi keuangan para pelaku UKM yang makin baik akan meningkatkan perilaku menabung. Temuan lainnya dalam penelitian ini adalah tidak adanya pengaruh pendapatan usaha terhadap perilaku menabung para pelaku UKM. This study analyzed the influence of financial literacy, and business income on the saving behavior of small and medium enterprises (SMEs). The research data was obtained from questionnaires given to 282 SMEs in Depok from various fields. Multiple regression analysis is used where SPSS Version 23 is used as an analysis tool. The findings of the study obtained the influence of financial literacy on the saving behavior of SMEs in Depok. On the other hand, business income has no effect on the saving behavior of SMEs.

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