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All Journal Jurnal Ilmiah Edunomika (JIE)
Florencia Irena
Universitas Katolik Darma Cendika
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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PENGARUH FINANCIAL LITERACY, FINANCIAL INCLUSION, FINANCIAL BEHAVIOR TERHADAP KEPUTUSAN MELAKUKAN PINJAMAN ONLINE Florencia Irena; Stanislaus Adnanto Mastan
JURNAL ILMIAH EDUNOMIKA Vol 8, No 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14377

Abstract

This research aims to determine the influence of financial literacy, financial inclusion, and financial behavior on the decision to take out peer-to-peer (P2P) lending. The data collection method used in this study is primary data, with purposive sampling method. The questionnaire was distributed to 106 student respondents currently pursuing their education in Surabaya. The data for this research was processed using the Structural Equation Models-Partial Least Square (SEM-PLS) software. The results of this research indicate that financial inclusion and financial behavior have a positive and significant effect on the decision to take out peer-to-peer (P2P) lending. However, financial literacy does not have an influence as it has a hypothesis test result greater than 0.05. The Adjusted R-Square value of 0.474 means that the independent variables contribute to 47.4%, while the remaining 52.6% is influenced by other variables not included in this study
BENARKAH INOVASI MEMPENGARUHI KINERJA UMKM? (STUDI KASUS DI GRESIK DAN SIDOARJO) Florencia Irena; Lusy Lusy
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.10025

Abstract

The aims of this study is examining the effect of Financial Literacy, Dynamic Capabilities, Marketing Communication on Firm Performance, especially MSMEs in Gresik and Sidoarjo with Innovation as a mediating variable. This study used quantitative analysis by distributing questionnaires to 100 MSMEs in Gresik and Sidoarjo Regencies. This research was processed using Structural Equation Modeling (SEM) analysis using SmartPLS. The results of this study indicate that Financial Literacy and Marketing Communication have an effect on Innovation. However, Innovation is not influenced by Dynamic Capabilities. The dynamic ability of MSME actors does not always guarantee the creation of Innovation. Moreover, Innovation does not mediate Dynamic Capabilities on Firm Performance. This reflects that business actors have other ways to analyze and improve the Firm Performance. These results show that Innovation mediates Financial Literacy, MSME actors who carry out Financial Literacy understand that Innovation is needed in the business world. In addition, Innovation mediates Marketing Communication to Firm Performance, because MSME actors understand the importance of Innovation in conducting marketing communications.
Co-Authors Lusy Lusy Stanislaus Adnanto Mastan