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All Journal The Asian Journal of Technology Management (AJTM) Jurnal Manajemen
Achsanta, Aldy Fariz
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Digital Literacy and Cashless Payment: Evidence from Indonesia Pudin, Ahmad Syarif; Karyani, Etikah; Pamungkas, Putra; Achsanta, Aldy Fariz
The Asian Journal of Technology Management (AJTM) Vol. 17 No. 1 (2024)
Publisher : Unit Research and Knowledge, School of Business and Management, Institut Teknologi Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12695/ajtm.2024.17.1.4

Abstract

Abstract. Digital financial literacy is an important factor in a person's economic behavior. A person who has a high level of digital literacy will use financial services to obtain the maximum benefit from the financial services used. In payment behavior, a person with a high level of literacy will use the payment system that provides the most financial benefits. However, there are various literatures that provide varying results regarding the impact of digital financial literacy on payment system usage. Therefore, in this study, we empirically examine the impact of digital financial literacy on the use of payment systems, especially cashless at the provincial level in Indonesia. We use 136 observations per province year for the period 2019 - 2022 to test our empirical model covering 34 provinces. We find that overall, digital financial literacy has no effect on the use of non-cash payment systems.  Keywords: Financial literacy, digital, cashless, payment, financial literacy
BEBAN KEBIJAKAN DI BUMN DAN REFORMASI BUMN Muhtar, Muhtar; Achsanta, Aldy Fariz
Jurnal Manajemen Vol. 13 No. 1 (2023): JURNAL MANAJEMEN VOL. 13 NO. 1 JUNI 2023
Publisher : Fakultas Ekonomi Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/jm.v13i1.3243

Abstract

Polemics over the management of State Owned Enterprises in various parts of the world, which are full of inefficiency and expropriation by politicians, have prompted major reforms, both in terms of ownership structure and the implementation of good corporate governance. It is hoped that with these reforms, the governance of State Owned Enterprises will become more efficient and transparent. However, the reform of State Owned Enterprises through changes in ownership structure without removing the burden of policy actually makes the privatized State Owned Enterprises perform worse due to being trapped in the soft budget syndrome. Thus, the reform of State Owned Enterprises actually invites a lot of skepticism in several countries. Therefore, this study examines the previous literature that presents empirical and theoretical facts regarding the management of State Owned Enterprises around the world. Based on the previous literature review, State Owned Enterprise reform will be nil if it is not followed by removing the burden of policy. The burden of the policy will be a hindrance for State Owned Enterprises in carrying out efficiency so that State Owned Enterprises will find it difficult to compete with private companies in the market and tend to rely on subsidies or capital assistance from the government to survive. Keywords :State Owned Enterprise, Policy, reformation
Co-Authors Karyani, Etikah Muhtar Muhtar Pamungkas, Putra Pudin, Ahmad Syarif