64 research outputs found
Trust, Financial Literacy and Investment Intention: A Case in Securities Crowdfunding Platform using Trust Transfer Theory
No full textThis study aims to reveal the role of trust in mediating the effect of financial literacy on investment intentions on the securities crowdfunding platform. The research method used is quantitative with a survey approach, using purposive sampling technique, with a total of 180 investors. Data were analyzed using Partial Least Squares (PLS-SEM). The results showed that financial literacy significantly affects investment intention and trust in the securities crowdfunding platform. In addition, trust in the platform also plays an important role in increasing trust in the fundraiser. This study concludes that financial literacy and trust in the platform have a significant impact on investors' intention to invest, and support the application of Trust Transfer Theory in the context of securities crowdfunding
Materialism, financial literacy, and online impulsive buying: A study on the post millennial generation in a pandemic period
No full textObjective: This research aims to ascertain the influence and examine the function of materialism (centrality, success, and pleasure) on impulsive online purchasing using financial literacy as a moderating factor.
Design/Methods/Approach: The quantitative study uses the SEM analysis technique with the assistance of the SmartPLS 3.6 software. This research uses a purposive sampling strategy to choose 415 individuals.
Sample criteria: 1) Minimum age of 17 years and maximum age of 25 years; 2) Online transaction including an impulsive buy. Google form is used to get the data.
Findings: The findings indicated that materialism and impulsive online buying have a positive and substantial impact. The association between financial literacy and materialism could not be moderated. The association between financial literacy and impulsive online buying is nonexistent. However, the relationship between central, happiness, and success on materialism is significant.
Originality: Materialism and financial literacy work together to impact impulsive internet purchase choices. During the pandemic, it was found that Malang's students' financial literacy did not have a significant influence on their buying habits. This suggests that disadvantaged students are nevertheless prone to impulsive internet purchases despite their materialistic outlook
The dark side of perceived corruption: Mediating mechanism between love of money and evil behavior
No full textMany studies about unethical behavior (evil behavior) in the workplace have underlying various research related to love of money and perception of corruption as in this research. One of the main ideas that emerged is “The love of money is a root of all kinds of evil” Timothy, 6:10. In most studies, there is a gap and lack of prior research involving the mechanism of indirect effect between the love of money behavior and unethical behavior in public sector institutions. In this research, we focus on the role of mediation between the perception of corruption and love of money toward unethical behavior. The researcher spread the questionnaire for obtained 149 respondents who are an employee from the public sector institution. Meanwhile, the research method that we use is a quantitative study, which allows for doing the study with a fast time and broad generalizability. We find that perception of corruption could partially mediate the effect between the love of money and unethical behavior in public sector employees. This study proves that employees who work in public sector institutions have a corruption perception that can trigger evil behavior. employees who have a strong orientation towards money are more likely to try to earn more money to enrich themselves, and then employees engage in unethical behavior
Pengujian calendar effect di Bursa Efek Indonesia tahun 2016
No full textMarket efficiency theory stated that stock prices reflect all information in the market. There are 3 different level of market efficiency: weak form, semi-strong form and strong form. When a market is in the state of weak form, there is no investor can gain abnormal return using past information. Calendar effect that is Day of the Week, January Effect and Turn of the Month is anomaly in the stock market that opposed the efficiency market theory. The purpose of this study is to examine the Calendar Effect in Indonesia Stock Exchange during 2016. This research use daily stock price data in LQ45. Using the OLS regression with 5 dummy variables, the results showed that trading day had an effect on stock return where negative return occurred on Monday but not significant. The positive return occured in the following days and the highest return occurred on Wednesday. It can be concluded that the first hypothesis of Day of the Week phenomenon is supported. OLS regression with 1 variable dummy for return in January and 0 otherwise, the result shows that the coefficient is negative and insignificant so it can be concluded that January Effect is not supported. Third hypothesis, Turn of the Month, result shows positive and significant coefficient at level 1%. It means the stock returns in 5 trading days at the end of the month and 2 trading days at the beginning of the month are higher than in other days
Akuntan outsourcing dan kinerja UMKM: perspektif resource based view
No full textTujuan penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi keputusan UMKM dalam menggunakan akuntan outsourcing dan dampak penggunaannya terhadap kinerja UMKM dengan menggunakan perspektif Resource Based View (RBV). Penelitian dengan tema akuntan outsourcing di UMKM sangat jarang dilakukan di Indonesia. Sampel dipilih dengan metode Accidental-Purposive Sampling. Pengumpulan data dilakukan dengan menyebarkan kuesioner ke 185 UMKM sektor manufaktur di Malang. Uji hipotesis ini menggunakan metode analisisPartial Least Square. Hasil penelitian menunjukkan bahwa kompetensi teknis memberikan pengaruh positif, sedangkan tingkat persaingan berpengaruh negatif terhadap keputusan UMKM menggunakan akuntan outsourcing. Akhirnya, hasil penelitian juga menunjukkan penggunaan akuntan outsourcing berpengaruh positif terhadap kinerja UMK
Model alternatif pembiayaan microfinance syariah berdasarkan persepsi UMKM: Studi kasus pada nasabah Kanindo Syariah Jawa Timur Cabang Dau
No full textINDONESIA:
UMKM memainkan peranan yang vital dalam perekonomian suatu Negara. Mereka berkontribusi terhadap peningkatan nilai PDB, penambahan tenaga kerja dan peningkatan devisa Negara. Namun, di balik semua kontribusinya tersebut, UMKM mengalami masalah klasik yang dapat menghambat perkembangan usahanya, yaitu masalah permodalan. Tidak sesuainya karakteristik UMKM dengan model pembiayaan yang selama ini disediakan membuat mereka sulit mengembangkan usahanya. Dengan menyediakan model pembiayaan yang tepat dan sesuai dengan keinginan, pelaku UMKM dapat membantu mereka untuk terus berkembang dan lebih berkontribusi pada perkembangan perekonomian Negara. Penelitian ini bertujuan untuk mencari alternatif model pembiayaan berdasarkan persepsi pelaku UMKM yang merupakan nasabah KANINDO Syariah Jawa Timur.
Penelitian ini menggunakan pendekatan kualitatif deskriptif. Metode pengumpulan data dilakukan dengan cara observasi, wawancara, dokumentasi dan triangulasi. Peneliti melakukan wawancara dengan kordinator KANINDO Syariah Jawa Timur Cabang Dau dan beberapa pelaku UMKM yang juga merupakan nasabah mereka. Peneliti juga melakukan triangulasi sebagai proses akhir dari penelitian ini untuk mendapatkan suatu kesimpulan dari tujuan penelitian.
Hasil penelitian mengatakan bahwa konsep Tanggung Renteng-lah yang diminati oleh pelaku UMKM. Mereka menginginkan marjin yang lebih rendah dengan diterapkannya sistem ini, pemilihan anggota untuk kelompok Tanggung Renteng diserahkan sepenuhnya pada nasabah, pencarian dana dilakukan secara bergilir dan diperlukan pengawasan yang intensif dari pihak KANINDO pada masing-masing kelompok Tanggung Renteng ini. ada beberapa syarat dan ketentuan yang harus dipatuhi dan dilaksanakan demi tercapainya keberhasilan sistem pembiayaan ini.
ENGLISH:
SMEs play a vital role in the economy of a country . They contribute increasing the value of GDP and reduce unemployment number which increased every year . However , behind all their contributions , SMEs experiencing classical problems that can hinder their business development, that is the problem of capital . So far , not least SMEs are experiencing difficulties in accessing finance in the formal financial institutions . Loan application procedure is too complicated , incompatibility with funds offer the funds needed to make SMEs prefer non-formal financial institutions such as moneylenders to meet funding needs . Here, the role of microfinance sharia to help SMEs embrace their capital . By providing appropriate financing models their preferences, SMEs can help them to continue to expand and further contribute to the economic development of the State . This study aimed to explore alternative funding models based on the perception of Kanindo Sharia East Java’s customers
This study used a qualitative descriptive approach. Methods of data collection by observation, interviews, documentation and triangulation. Researchers conducted interviews with the coordinator of the East Java branch of Islamic Kanindo Dau and some SMEs are also their customers. Researchers also triangulate the end of the research process to obtain a conclusion of the research objectives.
Research suggests that the concept of collective responsibility was the one preferred by SMEs. They want lower margins with the implementation of this system, the election of members to the group Renteng responsibility rests entirely on the customer, fundraising is done in rotation and required intensive supervision of the Kanindo on each of the joint liability group. there are some terms and conditions that must be adhered to and implemented in order to achieve the success of this financing system
Literasi Keuangan pada Generasi Milenial
No full textLow financial literacy will have an impact on making decisions in daily life. Making wrong decisions will end in poor and ineffective economic management that can lead to financial vulnerable behavior and crises and potentially suffer losses due to financial sector crime. The level of financial literacy will vary according to the demographics. Women, minorities and low income tend to have low levels of financial literacy. Likewise with age, age determines the point of view of people towards something. Generation Y is the generation born in the years 1980-1994 where this generation is very closely related to technology and has different habits with other generations. The purpose of this study is to measure the financial literacy index in the millennial generation. This study uses a type of descriptive research so that researchers describe the index that has been calculated previously. Then it tested for its effect on financial behavior. The test results show basic and sharia financial literacy has a significant positive effect on financial behavior. It show by thet value of both variables are greater than t table (3.147> 1.97; 2.512> 1.97). The more someone understands the financial concept, the more he is able to manage his finances well.Literasi keuangan yang rendah akan berdampak pada pembuatan keputusan dalam kehidupan sehari-hari. Pembuatan keputusan yang salah akan berakhir pada pengelolaan ekonomi yang buruk dan tidak efektif dapat mengakibatkan perilaku masyarakat yang rentan akan krisis keuangan dan berpotensi mengalami kerugian akibat kejahatan di sektor keuangan. Tingkat literasi keuangan akan berbeda-beda sesuai dengan ciri-ciri demografinya. Wanita, kaum minoritas dan golongan berpenghasilan rendah cenderung memiliki tingkat literasi keuangan yang rendah. Begitu juga dengan usia, usia sangat menentukan sudut pandang orang terhadap sesuatu. Generasi Y adalah generasi yang lahir di rentang tahun 1980-1994 dimana generasi ini sangat erat dengan teknologi dan memiliki kebiasaan yang berbeda dengan generasi lainnya. Tujuan dari penelitian ini adalah mengukur indeks literasi keuangan pada generasi milenial. Penelitian ini menggunakan jenis penelitian deskriptif sehingga peneliti menjabarkan indeks yang telah dihitung sebelumnya. Indeks tersebut kemudian diuji pengaruhnya dengan perilaku keuangan. Hasil pengujian menunjukkan literasi keuangan dasar dan syariah berpengaruh positif signifikan terhadap perilaku keuangan. Hal tersebut dibuktikan dengan nilai t hitung kedua variabel yang lebih besar daripada t tabel (3,147>1,97; 2,512>1,97). Semakin seseorang paham akan konsep keuangan maka semakin ia mampu mengelola dengan baik keuangannya
Pengaruh perceived ease of use, perceived security, dan perceived reputation terhadap kepercayaan awal pemberi pinjaman pada platform P2P lending
No full textThis research objectives to examine the influence of perceived ease of use, perceived security, and perceived reputation on the initial trust of lenders on P2P lending platforms. The population under study consists of all Generation Z individuals residing in the city of Malang who have previously invested in P2P lending platforms. A sample of 180 respondents was selected through purposive sampling, with criteria including residency in Malang, aged between 17-26 years old, and having previous or current investment experience in P2P lending platforms. Data were collected through an online questionnaire and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach. The findings of the research reveal that perceived ease of use, perceived security, and perceived reputation significantly influence initial trus
Exploring The Muslim Millenials Perspective On Financial Well-Being
No full textThis research explores the view of financial well-being from the unique perspective of the Muslim millennial generation, considering the economic transitions and technological advancements shaping their financial behaviors to become more consumptive. Through qualitative interviews, the research delves into the subjective perceptions, behavioral patterns, and socio-economic factors that influence the financial well-being of moslem millennials. Furthermore, this research also identifies the key determinants of their financial well-being, including financial literacy, financial behavior, and financial stress. Our findings contribute to a deeper understanding of the complexities surrounding financial well-being in the millennial cohort, providing valuable insights for policymakers, financial institutions, and individuals aimed at enhancing financial health and resilience among Muslim millennials
Literasi Keuangan, Financial Technology dan Perilaku Keuangan Mahasiswa
No full textThe purpose of this study was to analyze the effect of financial literacy and financial technology toward the financial behavior. This type of research is explanatory research using a sample of 389 undergraduate students at UIN Maulana Malik Ibrahim Malang from the 2018-2021 class. We collected data through an online questionnaire (google form) and analyzed it using SEM-PLS with the help of SmartPLS 3 software. The results indicates that financial literacy had a positive significant effect on student financial behavior and financial technology had a negative and significant effect on student financial behavior.
Tujuan dari penelitian ini adalah untuk menganalisis pengaruh literasi keuangan dan financial technology terhadap perilaku keuangan pada mahasiswa sarjana UIN Maulana Malik Ibrahim Malang. Jenis penelitian ini adalah explanatory research dengan menggunakan sampel 389 mahasiswa angkatan tahun 2018-2021. Pengumpulan data melalui kuesioner online (google form) dan dianalisis menggunakan SEM-PLS dengan bantuan software SmartPLS 3. Hasil penelitian menunjukkan bahwa literasi keuangan memiliki pengaruh signifikan terhadap perilaku keuangan mahasiswa dan financial technology berpengaruh negatif dan signifikan terhadap perilaku keuangan mahasiswa.
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