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Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan Melalui Financial Technology Geriadi, Made Ayu Desy; Sawitri, Ni Putu Yuliana Ria; Wijaya, Bagus Arya; Tri Putri, I Gusti Agung Prabandari
Jurnal Studi Manajemen dan Bisnis Vol 10, No 2 (2023): Desember
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jsmb.v10i2.23401

Abstract

Dengan teknologi keuangan sebagai variabel mediasi, tujuan penelitian ini adalah untuk menentukan bagaimana literasi keuangan memengaruhi inkkusi keuangan. Populasi dari masyarakat Kabupaten Bangli dikumpulkan melalui metode purposive random sampling dalam penelitian ini. Penelitian ini menggunakan SEM-PLS untuk menganalisis data. Hasil penelitian menunjukkan bahwa: 1) Literasi keuangan dan teknologi keuangan memiliki efek positif dan signifikan terhadap inklusi keuangan masyarakat di Kabupaten Bangli; 2) Literasi keuangan memiliki efek positif dan signifikan terhadap teknologi keuangan pada masyarakat di Kabupaten Bangli; dan 3) Teknologi keuangan mampu mengimbangi efek literasi keuangan terhadap inklusi keuangan masyarakat di Kabupaten Bangli.
Peran Mediasi Toleransi Risiko Dalam Analisis Determinasi Keputusan Investasi Mahasiswa Kota Denpasar Prabandari Tri Putri, I Gusti Agung; Yuliana Ria Sawitri, Ni Putu; Wijaya, Bagus Arya; Sudiyani, Ni Nyoman
Value : Jurnal Manajemen dan Akuntansi Vol. 19 No. 1 (2024): Januari - April 2024
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jv.v19i1.5035

Abstract

Student investment decisions are financial behavior and a form of awareness to achieve financial freedom and well-being at a young age. This study aims to examine the mediating role of student risk tolerance in making investment decisions based on financial literacy, overconfidence bias, and representative bias. The population included students from higher education in Denpasar City who invested in stocks, with non-probability sampling methods and purposive sampling techniques set the number of sample of as many as 105 respondents. Testing of research data using SEM PLS technique. The result proved that financial literacy has a negative and significant effect on investment decisions; overconfidence bias and risk tolerance have a positive and significant effect on investment decisions; while representative bias does not have a significant effect on investment decisions.  Overconfidence bias has a positive and significant effect on risk tolerance but financial literacy and representative bias do not have a significant effect on risk tolerance.  This study was able to prove that overconfidence bias has a positive and significant effect on investment decisions with risk tolerance as mediation, while risk tolerance is unable to mediate the influence of financial literacy and representative bias on investment decisions.
PENGARUH PENGALAMAN BERWIRAUSAHA DAN MOTIVASI BERWIRAUSAHA TERHADAP MINAT BERWIRAUSAHA PEMUDA STT WISMA BAHARI DESA ADAT SEMANA ABIANSEMAL Suryawan, Tjokorda Gde Agung Wijaya Kesuma; Wijaya, Bagus Arya; Meryawan, I Wayan; Ade Krisna, I Putu Pande
Jurnal MBE Manajemen Bisnis, Equilibrium Vol 9 No 1 (2023): Jurnal Manajemen dan Bisnis Equilibrium
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Ngurah Rai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47329/jurnal_mbe.v9i1.1066

Abstract

Entrepreneurial interest is one of the important elements that determine in running a business. In creating entrepreneurial interest, severaldetermining variables are entrepreneurial experience and entrepreneurial motivation. The existence of concerns and problems encountered related toentrepreneurial experience and entrepreneurial motivation in an effort to increase entrepreneurial interest, it is appropriate in this study to investigate further on entrepreneurship experience and entrepreneurial motivation on entrepreneurial interest of youths at STT. Wisma Bahari Desa Adat Semana. The purpose of the study was to determine the simultaneous or partial effect of entrepreneurial experience and entrepreneurial motivation onthe entrepreneurial interest of youths at STT. Wisma Bahari Desa Adat Semana. The number of samples was determined by purposive sampling method, amounted of 94 members of STT. Wisma Bahari Desa Adat Semana. Data were analyzed using classical assumption test, multiple linear regression analysis, multiple correlation analysis, determination analysis, simultaneous significance test (F-test) and partial significance test (t-test). The findingshows that there is a simultaneous positive and significant effect of entrepreneurial experience and entrepreneurial motivation on the entrepreneurialinterest of youths at STT. Wisma Bahari Desa Adat Semana. While partially entrepreneurship experience has a positive and significant effect on theentrepreneurial interest of youths at STT. Wisma Bahari Desa Adat Semana. Partially, entrepreneurial motivation has a positive and significant effect on the entrepreneurial interest of youths at STT. Wisma Bahari Desa Adat Semana