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All Journal Admisi dan Bisnis JBMP (Jurnal Bisnis, Manajemen dan Perbankan)
Endah Amaliyah, Erlina Dewi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Role of Financial Literacy and Grit in Good Financial Behavior: Peran Literasi Keuangan dan Ketabahan dalam Perilaku Keuangan yang Baik Endah Amaliyah, Erlina Dewi; Prabasari, Bonita; Rohmawati, Lilik
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 9 No. 2 (2023): September
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v9i2.1731

Abstract

With Generation Z and millennials becoming the majority of Indonesia's population, tackling their reputation for financial wastefulness becomes critical. Through the promotion of financial literacy, this study intends to provide insights into developing wiser and more sensible financial conduct. Recognizing the inconsistency of past studies on financial literacy and behavior, this study incorporates grit as a moderating component. Data was acquired through surveys distributed around Semarang City and analyzed in Smart PLS utilizing path analysis. Financial literacy was determined by understanding the time worth of money, inflation, and risk diversification, whereas grit was determined by perseverance and constant interest. Credit management, investment, saving, cash flow and consumption, emergency fund management, and retirement fund planning were all evaluated. The findings show that grit has a positive influence on financial behavior, emphasizing the need of perseverance in the face of financial obstacles. Furthermore, financial literacy was discovered to have a favorable impact on grit, emphasizing the symbiotic relationship between knowledge and perseverance in accomplishing financial goals. This study emphasizes the importance of not just improving financial literacy but also cultivating grit among Generation Z and millennials in order to improve financial behavior.
Improving Employee Performance Through Financial Motivation, Teamwork, and Leader Supervision at PT. Kusuma Energi Mentari Saputri, Arum Wulan; Endah Amaliyah, Erlina Dewi
Admisi dan Bisnis Vol. 25 No. 1 (2024): PEBRUARI 2024
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/ab.v25i1.5676

Abstract

PT. Kusuma Energi Mentari providing renewable energy using solar panels. Work targets increasing every year, means that the company is well developed. However, the increase in work targets has not been realized optimally. Therefore, PT. Kusuma Energi Mentari strives to improve their employee performance. This research was conducted to find out what factors can influence employee performance at PT. Kusuma Energi Mentari, especially in term of financial motivation, teamwork, and leader supervision. Those factors needs to be re-examined because there are inconsistent results from previous research. The sample was 32 employees or used saturation sampling technique. Data was obtained using questionnaire and tested using multiplier linier regression analysis in SPSS 23 application. The results show that financial motivation, teamwork, and leader supervision partially and simultaneously have a positive effect on employee performance. It means when the salary, allowances, bonuses, incentives, and protection programs provided by the company   going higher, the quality, quantity of work, sense of resposibility, teamwork, and initiative in the employees will be higher too. If the sense of responsibility in the team, the sense of mutual contribution, maximizing ability, coordination in the process of completing task, and effective communication within the team member increase, it will increse the quality, quantity of work, sense of resposibility, teamwork, and initiative in the employees too. When the setting of work standars, work assessment, work measurement, and analysis of work deviations improve, it will improve the the quality, quantity of work, sense of resposibility, teamwork, and initiative in the employees too
Co-Authors LILIK ROHMAWATI, LILIK Prabasari, Bonita Saputri, Arum Wulan