Perilaku keuangan
225617840
Efek Mediasi Perilaku Keuangan terhadap Hubungan antara Literasi Keuangan dengan Keputusan Investasi
The results showed that Financial Literacy had a positive effect on Financial Behavior and Financial Behavior mediated in full the influence of Financial Literacy on Investment Decisions. The importance of increasing financial literacy especially for the younger generation students as agents of change must have good financial attitudes and behavior, the importance of financial knowledge, skills and confidence from an early age, so that in the future they can carry out financial planning and goals, managing consumption, savings and investment, credit, budgeting, and personal income tax management, which can improve the financial well being of his life which will eventually become a stimulus or a stimulus for the progress of economic development. The next hope is that there will be research with increasing complexity both in terms of variables and the scope of the research sample.
Perwito Perwito Nugraha Nugraha Sugiyanto Sugiyanto
225178287
Pengaruh Literasi Keuangan dan Perilaku Keuangan terhadap Keputusan Investasi Mahasiswa
The purpose of this study is to find out and measure how the influence of Financial Literacy and Financial Behavior on Student Investment Decisions and also the differences in investment decisions between students of Udayana University and Ganesha Education University. This research is quantitative or related to numbers as a benchmark. Data were collected using a questionnaire or questionnaire using random sampling techniques distributed to 200 respondents or students. In this study, researchers used descriptive data analysis techniques, regression tests and t test different tests with the help of SPSS software program version 24. The results of this study indicate that financial literacy has a positive effect on investment decisions. Financial behavior has a positive effect on investment decisions. The results of this study also showed that there were no differences in student investment decisions
I Wayan Upadana Nyoman Trisna Herawati
228847410
Faktor Gaya Hidup dan Perilaku Keuangan yang Mempengaruhi Pemilihan Tujuan Wisata ke Jepang
Berdasarkan data dari Japan National Tourism Organization (JNTO) jumlah wisatawan Indonesia yang berkunjung ke Jepang sepanjang tahun 2019 sebanyak 412.800 orang wisatawan, meningkat sebanyak 4% dibandingkan dengan tahun 2018 yaitu sebanyak 396.852. Peningkatan ini bisa didasari oleh banyak hal, beberapa diantaranya adalah gaya hidup yang disokong oleh tekhnologi informasi ini juga menyebabkan batas antar negara menjadi terlihat lebih samar, sehingga hiburan yang dipilih tak hanya terbatas di dalam negeri, nilai tukar mata uang Yen dan Rupiah, serta harga relative atau jumlah pengeluaran wisatawan asing di sebuah destinasi wisata. Variabel yang diteliti dikhususkan pada faktor Gaya hidup dalam penelitian ini diidentifikasi dengan Dimensi Pengukuran Gaya Hidup AIO yaitu Activities, Interest and Opinion. Sedangkan keputusan berkunjung akan dijabarkan menjadi dua dimensi yaitu push factor dan pull factor. Penelitian ini akan diuji mnggunakan Partial Least Square (PLS)
Ajeng Septiana Wulansari Siwi Nugraheni
225584637
EFEK MEDIASI PERILAKU KEUANGAN DAN DAMPAK KEPUASAN KEUANGAN MASYARAKAT DI KOTA MAKASSAR
Rusdi Raprayogha Rika Dwi Ayu Parmitasari
226080671
PENGARUH PERILAKU KEUANGAN, PENGETAHUAN KEUANGAN, USIA, PENDIDIKAN DAN PENDAPATAN TERHADAP KEPUASAN KEUANGAN (STUDI KASUS: USIA PRODUKTIF DI KOTA BANDUNG)
Zullika Hanifah Mardian
211737280
Pengaruh pendapatan, pengalaman keuangan dan pengetahuan keuangan terhadap perilaku keuangan keluarga di kota Madiun
This study aims to examine the effect of income, financial experience and financial knowledge on financial behavior. The sampling method used in this study was purposive sampling and convenience sampling. The sample in this study were family's who had lived at least a year in Madiun and had jobs. There were 162 respondents taken using a questionnaire through the survey method. This study uses Multiple Regression Analysis as a data analysis technique. The results of this study indicate that financial experience and financial knowledge have a significant positive effect on financial behavior. There is differences in financial behavior based on income level, the higher the income, the better financial behavior. Keywords Financial Behavior, Income, Financial Experience, Financial Knowledge
Tirani Rahma Brilianti Lutfi Lutfi
229015281
Literasi Keuangan Dan Perilaku Keuangan Karyawan Swasta di Kabupaten Jepara
Financial behavior is an interesting topic, given the consumptive Indonesian society. This study aims to analyze the relationship of financial literacy and demographic factors in determining the financial behavior of private employees in Jepara Regency. The sampling method uses purposive sampling and data is measured using a Likert scale 1 to 5. Data are analyzed using a quantitative approach including validity and reliability, multiple linear regression analysis, coefficient of determination, F test, and t test. The results of this study indicate that age, education level, income, and financial literacy simultaneously determine the financial behavior of private employees, but individually income does not affect financial behavior. High income private employees need to control behavior in managing finances, reducing consumer spending and managing finances well. Keywords: multiple linear regression analysis, demographic factors, education, financial behavior, financial literacy
Hadi Ismanto Nisa Ihlasul Amaiyah
225931028
Efek Impresi Fintech Terhadap Perilaku Keuangan Usaha Kecil Menegah (UKM)
The purpose of this study was to determine the Impression of finance technology (Fintech) in the form of benefits as well as theeasy to use that has an impact on SME intentions to use it, even though problems in its implementation are indicated. The sample used was 80 SMEs spread in the Special Region of Yogyakarta. Data collection using purposive sampling technique provided that the respondents chosen already use fintech. Data analysis using SmartPLS software. The results showed that the benefits of fintech had a positive and significant effect on the financial behavior of SMEs to intend to use it. The more the benefits increase, the behavior of using fintech is growing. It is human's rational nature that what is beneficial to him will encourage behavior. The impression of ease of use of fintech has no positive and significant effect. It is generally known that the attitude towards computer use is a significant determinant of the intention to use fintech. However, the impression of simplicity did not encourage the intention to utilize fintech. Although fintech is perceived as easy, if the benefits are low, UKM does not intend to use it. The implemantation problem has not been proven to have an effect on preventing SMEs from using fintech. Public awareness of the importance of security has not been considered, this is because the community has never felt the impression of the impact of cyber risk. That the problem of fintech implementation is realized is a risk that has a negative effect on the intention of adopting fintech. However, the problems that arise do not reduce the interest of SMEs to use fintech.
Gendro Wiyono Kusuma Chandra Kirana
229422430
Analisis Literasi Keuangan, Perilaku Keuangan, Dan Pendapatan Terhadap Keputusan Investasi
Research is a quantitative study that has a purpose to know the influence of financial literacy, financial behaviour and income to investment decisions. The population in this research is the permanent lecturer Faculty of Economics and Business of National Development University Veteran Jakarta. Samples were taken as many as 80 respondents, with non probability sampling methods, purposive sampling. Data collection is done by spreading the questionnaire to the sample that has been determined through Google form. Data analysis techniques used are analysis methods PLS (Partial Least Square) with Smart software PLS 3.0. The results of this study show that: (1) Financial literacy has an influence on investment decisions with the value of the line coefficient of 0.455; (2) Financial behavior has no influence on investment decisions with the value of the line coefficient 0.165; (3) Revenue has an influence on investment decisions with a line coefficient value of 0.337. Keywords: Financial Literacy; Financial Behavior; Income; Investment Decisions
Ulfy Safryani Alfida Aziz Nunuk Triwahyuningtyas
214374785
Pengaruh Pengetahuan Keuangan Terhadap Perilaku Keuangan Dengan Sikap Keuangan Dan Self Efficacy Sebagai Variabel Mediasi(Studi Empiris Pada Mahasiswa Jurusan Akuntansi Universitas Airlangga)
Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan keuangan terhadap perilaku keuangan dengan sikap keuangan dan self efficacy sebagai variabel mediasi. Kuesioner disebarkan ke mahasiswa akuntansi Universitas Airlangga dengan jumlah 118 kuesioner yang valid dan dapat diolah. Pengolahan data dilakukan dengan menggunakan model analisis Partial Least Square dengan bantuan WarpPLS 5.0 for windows. Hasil penelitian mengindikasikan bahwa pertama, pengetahuan keuangan berpengaruh langsung terhadap perilaku keuangan, sikap keuangan, self efficacy. Kedua, sikap keuangan, self efficacy berpengaruh langsung terhadap perilaku keuangan. Ketiga, sikap keuangan terbukti berpengaruh sebagian pada pengaruh pengetahuan keuangan terhadap perilaku keuangan. Keempat, self efficacy terbukti memediasi sepenuhnya pada pengaruh pengetahuan keuangan terhadap perilaku keuangan.
Muhammad Septian Ubaidillah