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Journal : Journal of Business

Literasi Zakat Compliance Bagi Muzakky Pedagang Garmen Fauzia, Ika Yunia; Pertiwi, Tanza Dona
Journal of Business & Banking Vol 12 No 2 (2022): November 2022 - April 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v12i2.3426

Abstract

For the garment merchants in Indonesia, who have the obligation to pay alm, zakat compliance literacy is very important. This study focuses on this issue and stamps from the fact that most pof them missunderstood the concept of zakat -both weatlh and trade- and its aplication. This research aims at exploring the zakat compliance literacy among these merchants in away that maybe appropiated by traders, business community and researchers a liked. This research uses qualitative method, with the modle of case study. More than twenty garment merchants in Indonesia are interviewed, 11 among whom are qualified as informants. The research finds, first: that a most garment merchant in Indonesia are zakat-literate, particulary as far as wealh-zakat is concerned; second, most garment merchant had paid their zakat, some of whom paid even more than they are supposed to do so: third, the way that zakat is distributed is closely related to the way this merchant understand their religion. Merchant with religious background tend to distribute their zakat on their own rather than giving it a through zakat-institution. The practical implication of this research is that there is a need for synergy between BAZNAS and traders to create facilities/media that can facilitate business actors in calculating trade zakat and its payments.
Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste Amaral, Leonardo Bele Bau; Iramani, Rr; Pertiwi, Tanza Dona
Journal of Business & Banking Vol 14 No 1: May-October 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i1.5024

Abstract

Financial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better.
Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste Amaral, Leonardo Bele Bau; Iramani, Rr; Pertiwi, Tanza Dona
Journal of Business & Banking Vol 14 No 1: May-October (2024)
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i1.5024

Abstract

Financial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better.