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Peran Financial Literacy dan Income Terhadap Financial Technology dengan Financial Management Behavior Sebagai Variabel Mediasi Soleha, Erin; Tan, Emmelia
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 7 No 2 (2023): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v7i2.22129

Abstract

The purpose of this study is to find out how the role of Financial Literacy and income in the use of digital wallet financial technology products is mediated by the Financial Management Behavior variable. The data in this study is primary data collected through online questionnaires and additional in-person interviews, secondary data is data from OJK, BI and several scientific articles used as references. The sample in this research was millennial generation and generation Z women in West Java Province. The sample collection technique uses Accidental Sampling. The analysis method uses Structural Equation Modeling (SEM) with SmartPLS software. The results showed that financial literacy on financial management behavior and financial literacy on financial technology did not have a direct effect, followed by financial literacy on financial technology which was mediated by financial management behavior which also did not have an indirect effect. Meanwhile, income on financial management behavior, income on financial technology and financial management behavior on financial technology has a direct influence and income on financial technology mediated by financial management behavior has an indirect effect
Analisis Risk Tolerance dan Overconfidence terhadap Keputusan Investasi di Bursa Efek Indonesia Widiastuti, Widiastuti; Soleha, Erin; Meirani, Nadia
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 1 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i1.25274

Abstract

In Indonesia, investment is now commonplace for Indonesian people, plus the increasingly rapid development of technology and digitalization, makes it easier for people to invest. We cannot necessarily invest for the reason of keeping up with the times, if this is not taken into consideration when making investment decisions it could be detrimental, while the aim of investment is for profit. When making investment decisions, we must consider how investors have risk tolerance and overconfidence. The aim of this research is so that the decisions we take in determining investment success on the Stock Exchange can be carried out optimally. The main data used in this research comes from interviews and data collection methods for 100 respondents using Accidental Sampling in the millennial population of the Bekasi area. The study methodology takes a quantitative tack. Using SmartPLS software, the Partial Least Square statistical test tool was used to evaluate the indicators for each variable. According to the study's findings, overconfidence affects investment decisions made on the Indonesian Stock Exchange, while risk tolerance has no bearing on such decisions
Sosialisasi dan Pelatihan Pemasaran Digital serta Edukasi Legalitas Usaha untuk Meningkatkan Daya Saing UMKM di Desa Karangsari Erin Soleha; Ahmad Rasyiddin; Rama Wijaya; Zahra Nayla Darmawan; Nabil Hawari; Nur Fatimah
Karya Nyata : Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 3 (2024): September : Karya Nyata : Jurnal Pengabdian kepada Masyarakat
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/karyanyata.v1i3.570

Abstract

Business legality is a crucial element in the development of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. Karangsari Village, as one of the MSME centers, is facing challenges in adopting Business Identification Numbers (NIB) and implementing digital marketing. This research aims to identify the impact of implementing NIB on MSMEs in Karangsari Village and explore the obstacles and opportunities in its implementation. The methods used are case studies and field surveys. The research results show that although NIB can improve legality and market access, low digital literacy is a major obstacle. It is hoped that the socialization and training carried out in Karangsari Village can increase understanding and adoption of NIB and digital marketing by MSMEs, so as to strengthen their competitiveness in the market.
Penguatan Kinerja UMKM melalui Pengetahuan Keuangan dan Inklusi Keuangan Digital pada Pelaku UMKM Desa Setia Darma Soleha, Erin; Hariroh FM; Hidayah ZZ
Jurnal Pengabdian Bersama Masyarakat Indonesia Vol. 1 No. 3 (2023): Juli : Jurnal Pengabdian Bersama Masyarakat Indonesia
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jpbmi.v1i3.198

Abstract

Kegiatan Pengabdian Kepada Masyarakat ini dilakukan bersama dengan mitra usaha mikro kecil dan menengah (UMKM) yang berlokasi di Desa Setia Darma Kecamatan Tambun Selatan Kabupaten Bekasi Provinsi Jawa Barat. Terdapat tiga masalah utama yang dihadapi oleh mitra UMKM, yaitu kurangnya pengetahuan keuangan dan inklusi keuangan digital para pelaku usaha seperti belum memiliki sistem pencatatan keuangan yang baik dan belum memiliki sistem pembayaran digital dan pemasaran digital bagi usahanya. Langkah praktis untuk mengatasi permasalahan tersebut adalah melalui pembinaan terhadap mitra dengan tiga cara. Pertama pembinaan dilakukan dengan memberikan pelatihan pencatatan keuangan secara manual dan terdigitalisasi. Kedua, pembinaan dilakukan dengan memberikan pelatihan penggunaan pembayaran digital dan yang ketiga memberikan pelatihan dan pembinaan mengenai digital marketing.
Investment Interest: Factors Affecting Investors in the Capital Market Soleha, Erin; Lazuarni, Shafiera
Economic Education Analysis Journal Vol. 13 No. 1 (2024): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Economic activity can increase with the existence of the capital market as an alternative funding for companies so they can expand their business more widely so that it will increase income. This research aims to determine the influence of income, investment knowledge and investment motivation on interest in investing in the capital market. This research was conducted on capital market investors in West Java Province. The sampling technique uses a non-probability sampling method with the Accidental Sampling technique because the population in West Java is unknown, so the formula needed to determine the sample size is to use the Lemeshow formula. So the minimum sample size required in this research is 100 respondents. In this research, questionnaires were the only data collection technique used. Meanwhile, the statistical test tool used in this research is SmartPLS. From the research that has been carried out, results have been obtained which show that income and investment motivation have an influence on interest in investing in the capital market and investment knowledge has no effect on interest in investing in the capital market. The results of this research explain that the amount of income one has and the high level of motivation will make someone interested in investing, while investment knowledge cannot yet determine whether someone is interested in investing in the capital market or not.
The Influence of Financial Literacy and Financial Socialization on the Financial Management Behavior of Investors in Indonesia After the Covid 19 Pandemic Muhamad Syahwildan; Erin Soleha
Jurnal Multidisiplin Madani Vol. 3 No. 11 (2023): November, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/mudima.v3i11.6928

Abstract

Financial intelligence is a term used to describe the capacity to organize and manage money that is determined as one of the indicators of a person's success in managing their finances. Maximizing the value of money that a person has is being able to manage their finances well. In addition, good money management will protect a person from possible difficulties that occur. The purpose of this study is to determine the effect of financial literacy and financial socialization on the financial management behavior of investors in the Greater Bekasi area after the Covid-19 pandemic. This study uses a quantitative approach and data sources from distributing questionnaires to all investors in the Greater Bekasi area as many as 100 respondents to determine the impact of financial literacy and financial socialization on the financial management behavior of investors in the Greater Bekasi area after the Covid-19 pandemic. With the help of the SmartPLS software program and testing the outer model and inner model, data analysis was carried out using the SEM method. The results of this study indicate that financial literacy and financial socialization have an influence on financial management behavior, with P-values of 0.000 and 0.093, respectively