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PEMETAAN DAN MODEL KEBUTUHAN LITERASI KEUANGANG UMKM DI KECAMATAN TEMBALANG Jati Handayani; Aris Sunindyo; Teguh Budi Santosa; R. Gunawan Setianegara; Septian Yudha Kusuma
Jurnal Aktual Akuntansi Keuangan Bisnis Terapan (AKUNBISNIS) Vol 6, No 1 (2023)
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/akunbisnis.v6i1.4574

Abstract

UMKM are really need financial literacy in order to be able to manage and make wise business financial policy decisions. Central Java's financial literacy index ranges from conventional to sharia 47.58 percent, 11.78 percent. This study aims to find out how to map and model financial literacy in UMKM in Tembalang District. This research includes all UMKM in Tembalang District. By using non-probability purposive random sampling of customers. Respondents are UMKM actors who had KTPsin the Tembalang District. In this study, a sample of 97 UMKM respondents was taken in Tembalang District. Data analysis in this study was carried out descriptively using SPSS software. focuses on mapping financial information to the community and the need for financial literacy, especially UMKM in Tembalang District. The highest level of financial literacy is in Banking with a score of 44, and the lowest in Islamic finance is 10. The five financial literacy needs of the financial industry and banks for UMKM consist of Savings, KUR, UMi Financing, Profit Sharing Financing and Credit. Others Cash Flow and Income Statement
The Influence of Service Features, Benefits, and Security Perceptions on Public Interest in Using the Dana Digital Wallet in The City of Semarang Desvita Fitriana; Arif Mursito, Aris Sunindyo; R. Gunawan Setianegara
Applied Accounting and Management Review (AAMAR) Vol. 4 No. 2 (2025): APPLIED ACCOUNTING AND MANAGEMENT REVIEW (AAMAR)
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/aamar.v4i2.6825

Abstract

This study aims to analyze and obtain empirical evidence regarding the influence of service features, perceived benefits, and security perceptions on the use of the DANA digital wallet in Semarang City. The population in this study consists of residents living in Semarang City. The sampling technique used is purposive sampling with a total of 100 respondents. The data used in this study are primary data obtained through the distribution of questionnaires. The analytical model employed is Multiple Linear Regression Analysis. The data analysis techniques include the F-test, Coefficient of Determination (R²), and t-test. The results of the study indicate that the variables of service features, perceived benefits, and security perceptions simultaneously have a significant effect on the interest of the community in using the DANA digital wallet in Semarang City. Each of the variables service features, perceived benefits, and security perceptions also has a significant partial effect on the community's interest in using the DANA digital wallet in Semarang City.