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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Ilmu Manajemen (JIM) El Dinar Journal of Economics, Business, & Accountancy Ventura The Indonesian Accounting Review Journal of Business & Banking EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Manajemen & Keuangan Distribusi INVENTORY: JURNAL AKUNTANSI Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Jurnal Samudra Ekonomi dan Bisnis Business and Finance Journal Dinasti International Journal of Education Management and Social Science Jurnal Riset Bisnis dan Manajemen Jurnal Kedaymas Jurnal Iqtisaduna Golden Ratio of Finance Management JWM (JURNAL WAWASAN MANAJEMEN) Ekombis Sains: Jurnal Ekonomi, Keuangan dan Bisnis JPS (Jurnal Perbankan Syariah)
Lutfi Lutfi
Universitas Hayam Wuruk Perbanas
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Industrial & Manufacturing Engineering Other

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Journal : Journal of Business

 1 
Pengaruh literasi keuangan, experienced regret, risk tolerance, dan motivasi pada keputusan investasi keluarga dalam perspektif masyarakat Bali Astri Kusuma Wardani; Lutfi Lutfi
Journal of Business & Banking Vol 6, No 2 (2016): November 2016 - April 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v6i2.996

Abstract

This study aims to determine the effect of financial literacy, experienced regret, risk tolerance, and motivation on family investment decisions by taking samples of 105 Balinese residents. The investment decision investigated in this study is dealt with the decision to invest the money in capital market instruments and bank accounts. The analytical method used is a quantitative method using multiple linear regressions. The data were collected using a survey of questionnaire to the respondent. The sampling technique used is purposive sampling method and then continued using convenience sampling. The results of this study indicate that risk tolerance has positive influence on investment decisions of Balinese family. Meanwhile, financial literacy, experienced regret, and motivation do not affect significantly investment decisions of Balinese family. These results imply that Balinese people consider their risk tolerance as the main factor considered in making decision whether to put the money in bank accounts or capital market instruments.
Pengaruh literasi keuangan, locus of control, dan etnis terhadap pengambilan keputusan investasi Sofi Ariani; Putri Asiza Agustien Aulia Rahmah; Yurisha Ramadhani Putri; Maulidatur Rohmah; Antika Budiningrum; Lutfi Lutfi
Journal of Business & Banking Vol 5, No 2 (2015): November 2015 - April 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i2.706

Abstract

The purpose of this research is to examine the influence of financial literacy, locus of control, and ethnic on investment decision. This research uses multiple regression analy-sis technique and a sample of 199 investors who put their funds in bank account and real asset in Surabaya and Madura region. The results shows that financial literacy, internal locus of control, external locus of control, and ethnic do not have significant impact si-multaneously on investment decision, while locus control is only variable that has signif-icant partial impact investment decision. This finding implies that goof financial literacy per se will not result in a good investment decision without accompanied by good inter-nal control. Therefore, policy makers should not only focus on financial literacy educa-tion but also increase public awareness about the importance of self-control when making investment decisions.
Pengaruh niat berperilaku, kecerdasan spiritual dan literasi keuangan terhadap pengelolaan keuangan keluarga Tomi Arganata; Lutfi Lutfi
Journal of Business & Banking Vol 9, No 1 (2019): Mei - Oktober 2019
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i1.1555

Abstract

Family financial managemenet is very important in fostering the family economy. This study aims to examine the effect of behavioral intentions, spiritual intelligence, and financial literacy on family financial management. It used the sample consisting of 179 financial managers of the family as the correspondents. The data were collected by questionnaires using a purposive sampling technique and convenience sampling technique. The data were analysed using Multiple Regression Analysis (MRA). The results indicate that behavioral intention and spiritual intelligence have a significant positive effect on family financial management, while financial literacy have positive but not significant impact on family financial management. The implication of this study are that family financial managers need to better internalize their religious guidelines and strengthen intentions to behave in the form of establishing financial behavior targets so that they can better realize wise and responsible financial management.
Pengaruh pengetahuan keuangan, pengalaman keuangan, dan pendapatan terhadap perilaku keuangan keluarga Tirani Rahma Brilianti; Lutfi Lutfi
Journal of Business & Banking Vol 9, No 2 (2019): November 2019 - April 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v9i2.1762

Abstract

This study aims to examine the effect of financial knowledge, financial experience, and income on financial behavior. The sample was taken using a purposive sampling and convenience sampling. The respondents were household financial manager in Madiun. There were 162 people taking part in this study. The data were analyzed using Multiple Regression. The results of this study showed that financial experience and financial knowledge have a significant positive effect on financial behavior. In addition, there is differences in financial behavior based on income level. This implied that household financial managers need to improve their financial knowledge and experience, such as in banking and capita market, so that they are able to manager their families’ financial matter better.
Literasi keuangan dan pengelolaan keuangan keluarga dalam perspektif budaya Jawa dan Bugis Reni Tri Purniawati; Lutfi Lutfi
Journal of Business & Banking Vol 7, No 1 (2017): Mei - Oktober 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v7i1.963

Abstract

Consumptive behavior can negatively affect family welfare. Financial literacy is one of the factors which may affect family financial management behavior. This family financial may differ across ethnic groups due to the different characters and principles of life among them. This study aimed to examine the effect of financial literacy on family financial management using ethnic as a moderating variable. This study uses a questionnaire instrument that is distributed to 140 respondents of Javanese in Madiun residency and 96 respondents of Bugis at Makassar, East Sulawesi. The data analysis technique is multiple regression analysis. This research use purposive sampling and convenience sampling as the sampling technique. The result of this study shows that financial literacy positively affect family financial management behavior, while ethnic does not moderate the effect of financial literacy on family financial management behavior. This study suggests that families, both Javanese and Bugis, need to enhance their financial literacy to enable them to manage their finance well so that they can improve their welfare.
Co-Authors Abadi, Andreas Roy Dirgantara Antika Budiningrum Ardhianti, Christin Arief, Moch Arnanto, Tito Teguh Astri Kusuma Wardani Dela Renta, Yolanda Dwiyanti, Elicia Aprillia Elma Hariani Farach Aliyyah Putri Suryadie Firdaus, Dimas Gita Ramadhan Husna, Nur Af’idatul Indria Fatmawati Iramani, Rr Jihan Zakiyah Permana Kiki Marti Diana Margiana, Iswinarti Maulidatur Rohmah Meliza Silvy Nadya Septi Nur Aini Nur'aini Rokhmania Putri Asiza Agustien Aulia Rahmah Reni Tri Purniawati Ririn Poerwanti Poerwanti Rr. Iramani Satrida, Galuh Selian, Mardiah Mutiara Puspitasari Shintani, Nadella Putri Sofi Ariani Soni Harsono Susilowati, Arlianti Agil Tirani Rahma Brilianti Tomi Arganata Uswatun Hasanah Utami Tyas Vita Prihatiningrum Yulian Belinda Yurisha Ramadhani Putri