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All Journal Journal of Business and Behavioural Entrepreneurship Journal of Business, Technology, & Social Science
Madrianah
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Effect of Financial Technology (Fintech) and Financial Literacy on the Financial Behaviour of Millennials in Indonesia: The Mediating Role of Financial Attitude Lidiana; Arsuni; Madrianah
Journal of Business and Behavioural Entrepreneurship Vol 8 No 1 (2024): Journal of Business and Behavioural Entrepreneurship
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JOBBE.008.1.08

Abstract

This study investigates the impact of Financial Technology (Fintech) and financial literacy on the financial behavior of millennials in Indonesia, with financial attitude acting as a mediating variable. As a global phenomenon, Fintech has revolutionized financial transactions through digital payments, online lending, investments, and personal financial management, significantly influencing millennials who are early adopters of these technologies. This demographic's responsiveness to Fintech results in reduced financial costs and improved financial management. Additionally, financial literacy and positive financial attitudes are crucial in shaping responsible financial behavior. This research highlights the necessity of understanding geographical, cultural, psychological, and social factors in the context of Fintech adoption and financial literacy, emphasizing the need for targeted educational programs and policies. Using a quantitative survey design with a sample of 300 Indonesian millennials aged 22-42, data was collected via online questionnaires and analyzed using Structural Equation Modeling (SEM). The findings reveal that both Fintech adoption and financial literacy positively influence millennials' financial behavior, with financial attitude significantly mediating the relationship between financial literacy and financial behavior. This study provides insights into enhancing financial literacy and Fintech adoption through effective education and public policies, contributing to better financial management among millennials.
Analisis Efektivitas Kebijakan Modal Kerja dalam Meningkatkan Profitabilitas Pada CV. Rahma 35 Kabupaten Sidenreng Rappang Nurfadilah; Madrianah; Krisnanto, Budhi; Baharuddin, Ceskakusumadewi
BUGIS : Journal of Business, Technology, & Social Science Vol 2 No 1 (2024): Bugis Journal
Publisher : Pusat Penelitian dan Pengabdian Masyarakat (P3M) IBK Nitro

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Abstract

Tujuan dari penelitian ini adalah untuk menganalisis dan mengetahui tingkat efektivitas modal kerja dalam meningkatkan profitabilitas perusahaan CV Rahma 35 selama tahun 2017-2021. Adapun 4 rasio yang digunakan dalam penelitian ini diataranya: GPM, NPM, ROE, ROA. Analisis yang digunakan adalah deskriptif kuantitatif dengan menggunakan laporan keuangan yang terdiri atas laporan laba rugi dan neraca tahun 2017 sampai dengan tahun 2021. Hasil penelitian dari CV Rahma 35 menunjukkan bahwa efektivitas modal kerja kurang efektif dalam meningkatkan profitabilitas perusahaan. Dikarenakan Nilai dari modal kerja dan Rasio profitabilitas naik turun tiap periode dan tidak termasuk dalam standar efektifitas.
Co-Authors Arsuni Baharuddin, Megawaty Ceskakusumadewi Krisnanto, Budhi Lidiana Nurfadilah