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All Journal SEIKO : Journal of Management & Business International Journal of Economics and Management Research
Bowo Lestono
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Financial Literacy, Financial Technology, Financial Self-Efficacy, Income, Lifestyle, And Emotional Intelligence On Financial Management Bowo Lestono; Lasnoto Lasnoto; Tommy Pusriadi
SEIKO : Journal of Management & Business Vol 6, No 1 (2023): January - Juny
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i1.3935

Abstract

To ascertain the impact of financial self-efficacy, financial self-awareness, financial technology, income, lifestyle, and emotional intelligence on financial management behavior, this study used quantitative research methods. Teenagers at the Bandung Regency served as the study's subject population. In this study, non-probability purposive sampling was used to select a sample of 2022 respondents. Purposive and non-probability sampling were used to create a sample of 220 respondents for the study. Multiple linear regression was the method of data analysis in this investigation. This study's conclusion suggests that financial management behavior is highly influenced by financial literacy, financial technology, financial self-efficacy, income, lifestyle, and emotional intelligence. The expectation is that teenagers will understand the value of financial literacy and work to develop their understanding of investments and insurance so that they will be able to make sound financial decisions in the future. Kata Kunci: Financial Literacy; Financial Technology; Financial Self-Efficacy
Proposed Marketing Strategy To Increase The Penetration Of Brimo’ By BRI Through Strategic Partnership Program Lasnoto Lasnoto; Burhanuddin Burhanuddin; Bowo Lestono
International Journal of Economics and Management Research Vol. 2 No. 2 (2023): August : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v2i2.97

Abstract

On February 2, 2019, PT Bank BRI (Persero) Tbk introduced Super App Brimo' by BRI to replace the previous iteration of their mobile banking, BRI Online (Brimo' 1.0). The Brimo by BRI target audience was organised by Bank BRI management in 2022, and it was disseminated to 12 Regional Offices in Indonesia. Bank BRI Region VI/Jawa 1 ran many acquisition programmes, including the Strategic Partnership Programme, to meet the aim of Brimo's users. Out of the 128 partners who entered the strategic partnership programme in 2022, 106 partners are classified as having low acquisition because they have an ability to recruit fewer than 50 users, and just 3 partners have the ability to acquire more than 500 users. In order to boost the partner's willingness to distribute Brimo' by BRI and, ultimately, increase the penetration of Brimo' by BRI, this study looks at potential options. The results show that there are some issues that partners face when distributing Brimo' by BRI, including technical difficulties, a lack of product knowledge, staffing issues, gimmicks that don't suit partners' preferences, poorly optimised promotions, the need for reward and recognition programmes, and partners' lack of confidence in their ability to distribute Brimo' by BRI. The study comes to the conclusion that offline training, gimmicky customization, reward and recognition programmes, and quicker referral fee payment are necessary to boost partner willingness to acquire Brimo's users. To determine how these guidelines will affect people, more research will be required.
Co-Authors Burhanuddin Burhanuddin Lasnoto Lasnoto Tommy Pusriadi