Implikasi Adiba Msme Sebagai Instrumen Channeling Masyarakat Umkm Dalam Menggunakan Layanan Lembaga Keuangan Syariah

Sani, Ageng Asmara; Wicaksana, Ragil Satria; Ilmiah, Dunyati

doi:10.25299/jtb.2019.vol2(2).4398

Cited by 3 publications

(2 citation statements)

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“…In another definition, financial literacy is defined as skills mastered by individuals to improve their standard of living so that understand proper and efficient financial planning and management (Azizah 2020). Financial literacy is an individual's ability to differentiate, discuss and deal with finances without discomfort, and to be able to plan and respond to everyday financial decisions (Sani, Wicaksana, and Ilmiah 2019). Financial literacy is financial education and infrastructure development which includes financial management, types of financial services industry, products, and financial services (Ismanto et al 2019).…”

Section: Financial Literacymentioning

confidence: 99%

Islamic Banks: Study of Financial Literacy, Digital Marketing, Accessibility, Age, and Education

Rahmanto,

Syaiful Muhammad,

Nurwiyanti

et al. 2023

JIEFeS

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The emergence of the Islamic banking Industry in Indonesia up to now has not escaped from challenges and problems, among the main ones is how Islamic banks are leading the market share by increasing customer interest in using Islamic banking services. Quantitative methods were used in this research with a sample of 100 respondents of Islamic bank customers who lived in a special region of Yogyakarta which was selected by using a purposive sampling approach, and multiple linear regression by using SMART PLS 2.0. applied as the tools of analysis. The result shows that financial literacy does not affect the interest in becoming Islamic customers. Meanwhile, digital marketing and accessibility do affect the interest in becoming Islamic bank customers. Then, age and education as moderating variables are not able to moderate financial literacy, digital marketing, on interest in becoming Islamic bank customers. The practical implications of this research suggest that marketers can make more informed decisions, such as intensifying promotional efforts on digital platforms and enhancing customer accessibility. Additionally, this study recommends further research to address the limitations by including cybersecurity perceptions as a moderating variable. By doing so, the research will be able to provide a more comprehensive understanding of the subject matter.

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Section: Financial Literacymentioning

confidence: 99%

Islamic Banks: Study of Financial Literacy, Digital Marketing, Accessibility, Age, and Education

Rahmanto,

Syaiful Muhammad,

Nurwiyanti

et al. 2023

JIEFeS

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“…Financial literacy is the scope of one's ability to choose financial management, and manage money for one's future planning, and how to respond to events in life that affect daily financial management decisions. Financial literacy occurs when an individual has an expertise as well as a person's ability to utilize existing resources in achieving his goals (Sani and Wicaksana, 2019).…”

Section: Digital Islamic Financial Literacymentioning

confidence: 99%

Digital Islamic Financial Literacy and Inclusion on Profitability of Micro, Small and Medium Enterprises

Pranatasari

Rahmanto

Wicaksana

2021

Nusant. Islam. Econ. J.

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Digital Islamic financial literacy and inclusion are the main factors in playing a role in increasing the profitability of Microfinance Microfinance Enterprises (MSMEs). This study uses a quantitative approach, data collection techniques using questionnaires, and the data source of this research is the owners of MSMEs in Bantul. Based on the results of this study, it is stated that digital Islamic financial literacy has a positive and significant effect on the profitability of MSMEs in Bantul, while digital Islamic financial inclusion has no significant effect on the profitability of MSMEs in Bantul. Taken together, digital Islamic financial literacy and inclusion simultaneously affect the profitability of MSMEs in Bantul. Limitations in this study are the limitations of two variables that affect profitability, of course, many variables affect profitability, and the sample in this study is only limited to Bantul.

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Dijital Finansal Okuryazarlığın Bireysel Girişimcilik Yönelimine Etkisi: Üniversite Öğrencileri Örneği

Taşlıyan

BEKERECİ

ÇAKIROĞLU

2023

Kahramanmaraş Sütçü İmam Üniversitesi Sosyal Bilimler Dergisi

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Bu çalışmanın amacı, katılımcıların dijital finansal okuryazarlık düzeylerini temsil ettiği düşünülen finansal teknolojiye dayalı ürün ve hizmetleri bilme ve kullanma seviyeleri belirlemek ve dijital finansal okuryazarlık düzeylerinin bireysel girişimcilik yönelimlerine etkisini araştırmaktır. Bu amaçla, KSÜ İİBF bölümlerinden tesadüfi örneklem yöntemi ile seçilmiş 177 öğrenciye anket uygulanmış ve elde edilen veriler uygun analiz yöntemleri ile değerlendirilmiştir. Elde edilen sonuçlara göre katılımcıların dijital finansal ürün ve hizmetlerin büyük bir kısmı hakkında bilgi sahibi olduğu görülmektedir. Bu bağlamda en çok bilinen ürün ve hizmetler “Mobil Bankacılık”, İnternet Bankacılığı”,” EFT”, Dijital Bankacılık” ve “Kare kod Uygulaması” iken yine en çok kullanılan uygulamalar “Mobil Bankacılık”, İnternet bankacılığı” ve” EFT olmuştur. En az bilinilirlik ve kullanılabilirlik skoru ise “kitle fonlama” ile “kredi derecelendirme” sistemlerine aittir. Çalışmada kadınların dijital teknolojiye yönelik ürün/hizmet bilinirlilik ve kullanılabilirlik düzeyleri erkeklere göre daha yüksek bulunurken, finans dersi almayanların, alanlara göre beklenenin aksine söz konusu ürün ve hizmetler hakkındaki bilgi düzeylerinin ortalamanın üzerinde olduğu gözlenmiştir. Son olarak finansal teknolojiye yönelik ürün ve hizmetlerin kullanılabilirlik düzeyi ile bireysel girişimcilik yöneliminin risk alma boyutu arasında anlamlı ilişki söz konusudur.

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Implikasi Adiba Msme Sebagai Instrumen Channeling Masyarakat Umkm Dalam Menggunakan Layanan Lembaga Keuangan Syariah

Cited by 3 publications

References 0 publications

Islamic Banks: Study of Financial Literacy, Digital Marketing, Accessibility, Age, and Education

Islamic Banks: Study of Financial Literacy, Digital Marketing, Accessibility, Age, and Education

Digital Islamic Financial Literacy and Inclusion on Profitability of Micro, Small and Medium Enterprises

Dijital Finansal Okuryazarlığın Bireysel Girişimcilik Yönelimine Etkisi: Üniversite Öğrencileri Örneği

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