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PERBEDAAN KARAKTER DANA PIHAK KETIGA (DPK) DI INDONESIA Teresia Angelia Kusumahadi; Fikri C Permana
Accounthink Vol 6 No 01 (2021): Maret 2021
Publisher : UNSIKA (Universitas Singaperbangsa Karawang)

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Abstract

Penelitian ini bertujuan untuk mengetahui apakah simpanan masyarakat di sektor perbankan Indonesia (dikenal dengan dana pihak ketiga - DPK) memiliki perbedaan karakteristik. Merujuk pada relative income hypothesis (Duesenberry, 1949) dan permanent income hypothesis (Modigliani, Brumberg and Books, 1954; Friedman, 1957), simpanan masyarakat dipandang sebagai fungsi agregat dari konsumsi dan disposable income individu – atau dikenal dengan “Individual-Specific Indicator”. Namun seiring waktu, DPK pun berkembang dan dibagi menjadi 3 (tiga) instrumen, yakni: Tabungan, Giro, dan Simpanan Berjangka. Karenanya perubahan simpanan masyarakat pun dipandang tidak hanya akan berasal dari perubahan Individual-Specific Indicator, tetapi juga akan berasal dari “Bank-Specific Indicator” dan “Macroeconomy Indicator”. Penelitian ini mengaplikasikan analisis data panel dan model vector autoregression (VAR) dari masing-masing instrumen DPK perbankan Indonesia (baik dalam mata uang Rupiah dan valuta asing) menggunakan data triwulanan dalam rentang triwulan pertama (Q1) tahun 2011 hingga triwulan empat (Q4) tahun 2019. Dari hasil analisis, didapati bahwa memang terdapat karakter dari masing-masing instrumen DPK yang ada. Untuk itu, perbedaan perlakuan diperlukan dalam rangka menjaga dan mendorong performa masing-masing instrumen, lebih lanjut guna menjaga stabilitas simpanan di masyarakat.
EDUKASI LITERASI KEUANGAN Novia Utami; Siti Saadah; Marsiana Luciana Sitanggang; Teresia Angelia Kusumahadi
Jurnal Bakti Masyarakat Indonesia Vol 5, No 1 (2022): Jurnal Bakti Masyarakat Indonesia
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jbmi.v5i1.15269

Abstract

The program literacy education program aims to increase the knowledge, understanding, and access of the Indonesian people to financial institutions, products, and services. Based on the results of a survey conducted by the Financial Services Authority in 2019, the financial literacy index in Indonesia is still low and only reached 38,03%. The educational program that we organized online through the Zoom platform is intended to support the improvement of public financial literacy, especially the students of SMA Santo Yakobus. They are part of the millennial generation of potential investors who must be given knowledge and understanding about the characteristics, benefit, and risks of various investment instruments that continue to develop from time to time. Attention to the millennial generation is important because data shows that currently the millennial generation is starting to dominate investment activities in several important financial assets. Based on the results of of a descriptive analysis of the respondent’s data on training participants, although they are not yet financially independent, more than 95% of them stated that the training has opened their horizons regarding I have nvestment activity in financial assets. The average score of 3 in the post-test for aspects of financial knowledge, financial behavior, and financial attitude, confirms their statement. The more people who have good financial knowledge, the greater the role of the financial sector in financing the investment in the real sector.ABSTRAKProgram Edukasi Literasi Keuangan bertujuan untuk meningkatkan pengetahuan, pemahaman, dan akses masyarakat Indonesia terhadap lembaga, produk, dan layanan jasa keuangan. Berdasarkan hasil survei yang dilakukan oleh Otoritas Jasa Keuangan pada tahun 2019, indeks literasi keuangan di Indonesia masih rendah dan baru mencapai angka 38,03%. Program edukasi yang kami selenggarakan secara online melalui platform Zoom, dimaksudkan untuk mendukung peningkatan literasi keuangan masyarakat, khususnya siswa-siswi SMA Santo Yakobus. Mereka adalah bagian dari generasi milenial calon investor potensial yang harus diberikan pengetahuan dan pemahaman tentang karakteristik, manfaat, dan risiko dari berbagai instrumen investasi yang terus berkembang dari waktu ke waktu. Perhatian terhadap generasi milenial menjadi penting karena data yang ada menunjukkan bahwa saat ini generasi milenial mulai mendominasi aktivitas investasi pada beberapa aset keuangan penting.  Berdasarkan hasil analisis deskriptif terhadap data responden peserta pelatihan, walaupun mereka belum mandiri secara finansial namun ternyata lebih dari 95% dari mereka menyatakan bahwa pelatihan telah membuka wawasan mereka terkait seluk beluk berinvestasi pada financial asset. Rerata skor 3 pada saat post-test untuk aspek financial knowledge, financial behaviour, dan financial attitude menguatkan pernyataan mereka tersebut. Semakin banyak masyarakat yang memiliki pengetahuan keuangan yang baik, maka semakin besar peran sektor keuangan dalam pembiayaan aktivitas investasi di sektor rii
Consistency of Mobile Payment Usage, Performance, and Financial Inclusion Christiana Fara Dharmastuti; Stevanus Pangestu; Teresia Angelia Kusumahadi
Business and Entrepreneurial Review Vol. 22 No. 2 (2022): October
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (529.993 KB) | DOI: 10.25105/ber.v22i2.14179

Abstract

The development of financial technology impacts different human lives, including business processes. The public increasingly favors mobile payment as a fintech application because of its practicality, ease, and speed. In addition, its application could improve business performance and financial inclusion for business people. This study aims to analyze the consistency of mobile payment usage that will impact tenant performance and financial inclusion, influenced by perceived risk, perceived benefit (return), and brand image of mobile payment. The sample used in this study consisted of 338 respondents who are business people in the Jabodetabek area who use mobile payments.The results showed that perceived benefit and image influence business people to consistently use mobile payments in their business, which will impact business performance and increase their financial inclusion.The managerial implication for fintech companies is to maintain product quality and the benefits of mobile payments. People often ignore the risks of using mobile payments, so fintech companies mustmaintain their performances in terms of information, fraud, and speed of response to reduce consumer risks.
EDUKASI LITERASI KEUANGAN Novia Utami; Siti Saadah; Marsiana Luciana Sitanggang; Teresia Angelia Kusumahadi
Jurnal Bakti Masyarakat Indonesia Vol. 5 No. 1 (2022): Jurnal Bakti Masyarakat Indonesia
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jbmi.v5i1.15269

Abstract

The program literacy education program aims to increase the knowledge, understanding, and access of the Indonesian people to financial institutions, products, and services. Based on the results of a survey conducted by the Financial Services Authority in 2019, the financial literacy index in Indonesia is still low and only reached 38,03%. The educational program that we organized online through the Zoom platform is intended to support the improvement of public financial literacy, especially the students of SMA Santo Yakobus. They are part of the millennial generation of potential investors who must be given knowledge and understanding about the characteristics, benefit, and risks of various investment instruments that continue to develop from time to time. Attention to the millennial generation is important because data shows that currently the millennial generation is starting to dominate investment activities in several important financial assets. Based on the results of of a descriptive analysis of the respondent’s data on training participants, although they are not yet financially independent, more than 95% of them stated that the training has opened their horizons regarding I have nvestment activity in financial assets. The average score of 3 in the post-test for aspects of financial knowledge, financial behavior, and financial attitude, confirms their statement. The more people who have good financial knowledge, the greater the role of the financial sector in financing the investment in the real sector.ABSTRAKProgram Edukasi Literasi Keuangan bertujuan untuk meningkatkan pengetahuan, pemahaman, dan akses masyarakat Indonesia terhadap lembaga, produk, dan layanan jasa keuangan. Berdasarkan hasil survei yang dilakukan oleh Otoritas Jasa Keuangan pada tahun 2019, indeks literasi keuangan di Indonesia masih rendah dan baru mencapai angka 38,03%. Program edukasi yang kami selenggarakan secara online melalui platform Zoom, dimaksudkan untuk mendukung peningkatan literasi keuangan masyarakat, khususnya siswa-siswi SMA Santo Yakobus. Mereka adalah bagian dari generasi milenial calon investor potensial yang harus diberikan pengetahuan dan pemahaman tentang karakteristik, manfaat, dan risiko dari berbagai instrumen investasi yang terus berkembang dari waktu ke waktu. Perhatian terhadap generasi milenial menjadi penting karena data yang ada menunjukkan bahwa saat ini generasi milenial mulai mendominasi aktivitas investasi pada beberapa aset keuangan penting.  Berdasarkan hasil analisis deskriptif terhadap data responden peserta pelatihan, walaupun mereka belum mandiri secara finansial namun ternyata lebih dari 95% dari mereka menyatakan bahwa pelatihan telah membuka wawasan mereka terkait seluk beluk berinvestasi pada financial asset. Rerata skor 3 pada saat post-test untuk aspek financial knowledge, financial behaviour, dan financial attitude menguatkan pernyataan mereka tersebut. Semakin banyak masyarakat yang memiliki pengetahuan keuangan yang baik, maka semakin besar peran sektor keuangan dalam pembiayaan aktivitas investasi di sektor rii