THE INFLUENCE OF FINANCIAL LITERACY AND PERCEPTION OF QANUN TOWARD SAVING BEHAVIOR ACEHNESE PEOPLE

All conventional banks in Aceh Province have converted to Islamic banks since the enactment of Qanun (Regional Regulation) Number 11 of 2018, so people need to adapt to several changes in banking transactions, including saving. The purpose of this study is to analyze the effect of financial literacy and the perception of Qanun on the saving behavior of the people of Aceh. This research uses a cross sectional study design. The data used are primary data and secondary data. Sampling was done by convenience with the sample is a community that meets the requirements of the last education at least high school / equivalent, have a savings account, and domiciled in Banda Aceh or Aceh Besar. The number of respondents obtained in this study was 217 people. Interviews were also conducted for several question items to six informants. The data were processed using Microsoft Excel and statistical testing was conducted with the Statistical Package for Social Sciences (SPSS). The results showed that the respondents' financial literacy level was in the well literate category, perceptions related to Qanun were at a moderate level, and saving behavior was still low. There is a significant positive relationship between the dimensions of financial attitudes, financial behavior, and perceptions of Qanun on saving behavior. The results of the regression test analysis show that financial behavior and perceptions of Qanun have a significant positive effect on saving behavior. This research is expected to be an input for policy makers, especially related to the perception of Qanun and saving behavior

The Influence of Financial Literacy and Reference Group toward Consumptive Behavior Across Senior High School Students

Consumptive behavior is the tendency to buy goods or services without rational consideration. This study aims to analyze the influence of financial literacy and reference groups toward consumptive behavior across senior high school students. The study used a cross-sectional design and the research location was selected purposively based on the distance of the school from the shopping center area. Using the self-administered questionnaire, the study involved 125 students of public high school (SMAN) at Bogor City, that is SMAN 3 and SMAN 9. The data were analyzed using descriptive analysis and inferential statistics. The study showed that the level of financial literacy was in the medium category, while the reference group and the level of consumptive behavior were in a low category. Moreover, results indicated a relationship between the characteristics of adolescents, financial literacy, reference groups, and consumptive behavior. The regression test found a significant negative effect of financial behavior toward consumptive behavior. Females were more likely to be more consumptive, while reference groups positively influenced the consumptive behavior of senior high school students

The Effects of Financial Literacy and Self-Control towards Financial Behavior among High School Students in Bogor

This research aims to analyze the effect of financial literacy and self-control on financial behavior among Bogor High School students. This research was conducted in two public high schools in Bogor, West Java, Indonesia, that were selected based on the level of passing grade of the school (high-grade and low grade). In collecting the data, this study used a self-administered questionnaire. About 113 of senior high school students from science and social majors were selected as the sample. This study found that financial knowledge and financial attitude were on a moderate level. High-grade school students tend to have better financial knowledge and attitude than those from low-grade schools. The results of this study also show that the self-control of students was classified as a low category. Those from low-grade schools were more likely to have better self-control compared to students from the high-grade school. Furthermore, financial behavior, which consists of saving and spending behavior, were categorized as poor. There was a significant difference in financial knowledge, financial attitude, and self-control among both schools. The financial attitude was positively significantly related to financial knowledge and behavior. Self-control was associated positively with financial behavior. Further analysis of multiple linear regression shows a positive and significant effect of financial attitude and self-control towards financial behavior

THE EFFECT OF FINANCIAL LITERACY AND SELF-EFFICACY ON INTEREST IN USING PEER TO PEER LENDING AMONG MILLENNIALS

Interest in using peer to peer lending (P2P) is a drive that comes from within a person to make online loans. Along with increasing internet access and device users in Indonesia, P2P service customers also show a significant increase every year. The purpose of this study is to analyze the effect of financial literacy and self-efficacy on interest in using peer to peer lending. This study uses an explanatory design on 234 samples of millennial generation in Jabodetabek selected through purposive sampling technique with online data collection method. Data processing and analysis were conducted using Microsoft Excel 2010 software and IBM Statistical Package for Social Science (SPSS) 22.0. The process of coding, editing, scoring, entering and cleaning data was carried out using the Microsoft Excel 2010 program. The results showed that financial literacy and self-efficacy were in the moderate category, while interest in use was categorized as low. Regression tests show that the number of dependents, types of debt loans, and attitudes towards P2P lending have a significant positive effect on interest in using P2P lending, while financial knowledge has a significant negative effect on interest in using P2P lending. The scope of research is suggested to be spread evenly from various provinces and tribes in Indonesia, so that the results obtained are more accurate and become a reference for the government to improve performance on financial technology lending

THE EFFECT OF FINANCIAL LITERACY AND EWOM TOWARDS PURCHASING DECISION COSMETIC PRODUCT ACROSS TWO GENERATION

The ease of information related to a cosmetic product through electronic word of mouth and financial literacy owned by millennial and Z generations can trigger purchasing decisions. The purpose of this study was to analyze the effect of financial literacy and electronic word of mouth on purchasing decisions in millennial and Z generations. The study used an explanatory research study design and voluntary sampling technique with a total of 122 millennial and Z generation respondents in Indonesia. Based on the results of the research, both generations have financial knowledge and financial attitudes in the low category, and the millennial generation's financial behavior are in the high category and generation Z is in the medium category. The electronic word of mouth variable is in the low category and generation Z's purchasing decisions are in the medium to high category and the millennial generation are in the medium category. Regression test shows that the education, financial literacy have a significant negative effect on purchasing decisions, while electronic word of mouth has a significant positive effect on purchasing decisions. The government and related stakeholders need to provide education related to financial literacy and sort out the right information about a product

Factors Influencing Consumer Purchase Decisions for Aqua Life Indonesia Products: Analysis of Ecolabel Awareness, Green Marketing Mix, and Brand Image

This study aims to answer two main objectives. The first is to answer the current eco-label, green marketing mix, and brand image of AQUA Life, and the Second is to answer how eco-label awareness, green marketing mix, and brand image influence consumer purchasing decisions. The study was conducted from November to December 2021. The data collected in this study were primary data obtained from a questionnaire survey in Indonesian, which was distributed via the Google Form link using the Ordinal scale. The sampling method (respondents) used is purposive sampling. The data was processed and analyzed using Structural Equation Modeling. The study's results obtained 105 respondents and showed that the eco-label awareness variable did not significantly affect consumer purchasing decisions for AQUA Life products. The green marketing mix and brand image variables positively and significantly impact consumer purchasing decisions for AQUA Life products. A green marketing mix has a significant effect on brand image. Producers and the government must provide more education to consumers to gain more knowledge about the use of environmentally friendly products and their benefits. Keywords: brand image, consumer purchasing decisions, ecolabel awareness, green marketing mix, structural equation modelin

Financial capability among university students in Indonesia

The main aim of this study was to measure financial capability among university students in Indonesia. However, the study also contributes to: an understanding of the concept of financial capability and how it varies across countries and between groups. The main empirical part of the study was based on a major mixed method design which involved six focus groups followed by a large-scale representative survey of 521 face-to-face structured interviews with students, from Bogor Agricultural University, Bogor, Indonesia. The empirical study provides a wealth of important findings on financial capability among students. Most importantly, it shows that there are different drivers of financial knowledge, attitudes, and behaviour. In particular, the study reveals that a financial education course had an impact on knowledge but not on attitudes and behaviour, once other factors were controlled for. Other factors showed a stronger effect on financial attitudes and behaviour. These were: financial socialisation by family; year of study; and work experiences; and for financial behaviour, the level of income was also a stronger determinant factor. Given that experience was shown as a determinant factor of knowledge, attitudes and behaviour, it is recommended that the financial education courses use experiential learning as a method of delivery to enhance their impact. However, even enhanced financial education courses, on their own, are unlikely to significantly improve financial behaviour. Appropriate provision and regulation of financial services, alongside maintaining adequate income levels are also vital

Pengaruh Pengetahuan, Persepsi, dan Sikap Terhadap Minat Beli Rumah Berkonsep Urban Farming Makassar: The Effect of Consumer Knowledge, Perceptions, and Attitudes On Intentions To Buy A House With an Urban Farming Concept In Makassar City

The large number of residential properties makes market competition increase. Many factors can influence consumer behavior before deciding to buy a product. The level of knowledge, perceptions, and attitudes can be factors that can influence consumer intentions to buy housing with the urban farming concept. This study aims to analyze the effect of knowledge, perceptions and attitudes on the intention to buy a house with the concept of urban farming. The scope of discussion in this study is limited to the influence of demographic characteristics, knowledge, perceptions, and attitude variables regarding the models and benefits of urban farming and the interest in buying residential real estate in the city of Makassar. The data analysis method used is a quantitative method. The collected data is processed using SPSS (Statistical Program for Social Science) and SEM (Structural Equation Modeling) analysis tools with the PLS (Partial Least Squares) approach. The results obtained were 202 respondents and showed that the knowledge variable did not have a significant effect on consumer interest in buying a house with the urban farming concept. However, if it is mediated by attitude and perception variables, the result is that knowledge variables indirectly affect consumer interest. Perception and attitude variables have a significant direct effect on consumer buying interest. The results of the study also show that high prices will affect consumer buying interest. The managerial implication of this research is that developers can use the results of this research to develop their marketing strategies to attract consumers to buy houses. Keywords: intention to buy, knowledge, perceptions, attitudes, urban farmin

Optimalisasi Kesejahteraan Left-behind Children pada Keluarga Pekerja Migran di Pedesaan melalui Penguatan Sistem Keluarga Inti: Sebuah Perspektif dari Sisi Anak

Children who are left by their parents who work outside the region or abroad as migrant workers will face various well-being problems. This requires a further study to explore the well-being of left-behind children of migrant workers' families in Indonesia, both circular migrant workers and international migrant workers. This study aimed to analyze left-behind children's subjective well-being condition and its relation to family-based social capital and social support that children of migrant worker families perceive. This study is expected to be an initial finding to direct further studies related to strengthening the nuclear family system for families of migrant workers who can optimize the left-behind children's well-being of families of migrant workers. This research was conducted in Juntinyuat, Limbangan, and Dadap Villages, Juntinyuat District, Indramayu Regency. The sampling technique used snowball sampling with samples of children aged 12-18 years from families of migrant workers, both circular and international. The total respondents were 120 children whose data were collected through a self-administered method. The study found that left-behind children whose mothers worked as international migrant workers were more vulnerable to their well-being than other left-behind children. The role of family-based social capital and social support as components in strengthening the nuclear family system of migrant worker families is discussed further in this articl