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Abstrak :
[ABSTRAKbr Konsumsi sektor privat di masa modern pada dasarnya dibiayai melalui dua cara: pertama, pendapatan, yang kedua, kredit konsumsi. Pertumbuhan kredit konsumsi yang positif tidak semata-mata menandai bahwa konsumen sudah bijak dalam menentukan keputusan kreditnya dan memiliki literasi keuangan memadai dalam mengambil keputusan. Riset ini berfokus meneliti probabilitas pilihan kredit konsumsi konsumen dalam membiaya konsumsinya, berdasarkan tingkat literasi keuangan dengan mengontrol karakteristik sosio-demografis responden menggunakan Survei Literasi Keuangan Bank Indonesia 2012. Studi ini membuktikan bahwa literasi keuangan berkontribusi positif terhadap kepemilikan dan pilihan kredit konsumsi, khususnya untuk kredit beragunan. Kovariat yang terbukti signifikan mempengaruhi probabilitas pilihan kredit konsumsi yakni umur, kepemilikan mobil, pendapatan, dan pendidikan tinggi.;Modern day private consumption is basically financed through two options first is disposable income and second consumer credit While the growth of consumer credit and investment is positive these same consumers may not yet possess adequate financial literacy to be able to make a wise credit decision for their consumption This paper focuses to examine the likelihood of consumption borrowing choices rsquo based on consumers rsquo financial literacy by controlling the socio demographic characteristic using Bank Indonesia Financial Literacy Survey 2012 I find that financial literacy contributes positively to consumer credit ownership and choice particularly for the case of secured debt Significant covariates contributing to the choice of consumer credit include age car ownership income and high education ;Modern day private consumption is basically financed through two options first is disposable income and second consumer credit While the growth of consumer credit and investment is positive these same consumers may not yet possess adequate financial literacy to be able to make a wise credit decision for their consumption This paper focuses to examine the likelihood of consumption borrowing choices rsquo based on consumers rsquo financial literacy by controlling the socio demographic characteristic using Bank Indonesia Financial Literacy Survey 2012 I find that financial literacy contributes positively to consumer credit ownership and choice particularly for the case of secured debt Significant covariates contributing to the choice of consumer credit include age car ownership income and high education ;Modern day private consumption is basically financed through two options first is disposable income and second consumer credit While the growth of consumer credit and investment is positive these same consumers may not yet possess adequate financial literacy to be able to make a wise credit decision for their consumption This paper focuses to examine the likelihood of consumption borrowing choices rsquo based on consumers rsquo financial literacy by controlling the socio demographic characteristic using Bank Indonesia Financial Literacy Survey 2012 I find that financial literacy contributes positively to consumer credit ownership and choice particularly for the case of secured debt Significant covariates contributing to the choice of consumer credit include age car ownership income and high education , Modern day private consumption is basically financed through two options first is disposable income and second consumer credit While the growth of consumer credit and investment is positive these same consumers may not yet possess adequate financial literacy to be able to make a wise credit decision for their consumption This paper focuses to examine the likelihood of consumption borrowing choices rsquo based on consumers rsquo financial literacy by controlling the socio demographic characteristic using Bank Indonesia Financial Literacy Survey 2012 I find that financial literacy contributes positively to consumer credit ownership and choice particularly for the case of secured debt Significant covariates contributing to the choice of consumer credit include age car ownership income and high education ]

Abstrak :
Penelitian ini menganalisis heterogenitas tingkat literasi keuangan antara investor dan bukan investor dalam crowdfunding non donasi. Pengujian dikembangkan dengan menganalisis faktor-faktor yang mempengaruhi tingkat literasi keuangan dan pengaruh literasi keuangan itu sendiri terhadap keputusan pendanaan dalam crowdfunding non donasi. Hipotesis diuji dengan menggunakan regresi logistik biner. Terdapat tiga temuan yang diperoleh dalam penelitian ini. Pertama, terdapat perbedaan tingkat literasi antara investor dan non investor crowdfunding non donasi. Kedua, literasi keuangan secara signifikan dipengaruhi oleh domisili, pendidikan, pendapatan dan kepemilikan produk pasar modal. Ketiga, diketahui bahwa individu dengan literasi keuangan yang baik lebih besar kecenderungannya untuk berpartisipasi dalam pendanaan crowdfunding non donasi dibandingkan individu dengan literasi keuangan yang buruk. ......The present study investigates the heterogeneity of financial literacy level between backers and non backers of non donation based crowdfunding. The study extended by analyzing the predictors of financial literacy and its impact on investment decision of non donation crowdfunding. The hypotheses were examined by using binary logistic regression. The study rsquo s findings are three fold. First, there is heterogeneity in financial literacy level between backers and non backers. Second, financial literacy level is found to be affected by resident, education, income and stock market products ownership. Third, it is found that individuals with high level of financial literacy tends to participate in non donation based crowdfunding more than those with low level financial literacy.

Abstrak :
[Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard this book challenges those who claim that ‘there is no alternative’ to neoliberal insecurity and reduce education to a consumerist training of entrepreneurial consumer-citizens who can continually invest in themselves and the market. Through an analysis of consumer fi nancial literacy education’s present and historical supports, as well as its likely effects, this book argues that the choice before us is not fi nancial illiteracy or fi nancial literacy. Rather, the choice is between subjugation to the requirements of perpetual competition or overcoming alienation, insecurity and exploitation, aims the critical fi nancial literacy education outlined at the end of this book supports. ;Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard this book challenges those who claim that ‘there is no alternative’ to neoliberal insecurity and reduce education to a consumerist training of entrepreneurial consumer-citizens who can continually invest in themselves and the market. Through an analysis of consumer fi nancial literacy education’s present and historical supports, as well as its likely effects, this book argues that the choice before us is not fi nancial illiteracy or fi nancial literacy. Rather, the choice is between subjugation to the requirements of perpetual competition or overcoming alienation, insecurity and exploitation, aims the critical fi nancial literacy education outlined at the end of this book supports. , Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard this book challenges those who claim that ‘there is no alternative’ to neoliberal insecurity and reduce education to a consumerist training of entrepreneurial consumer-citizens who can continually invest in themselves and the market. Through an analysis of consumer fi nancial literacy education’s present and historical supports, as well as its likely effects, this book argues that the choice before us is not fi nancial illiteracy or fi nancial literacy. Rather, the choice is between subjugation to the requirements of perpetual competition or overcoming alienation, insecurity and exploitation, aims the critical fi nancial literacy education outlined at the end of this book supports. ]

Abstrak :
ABSTRAK
Tesis ini membahas pemberdayaan remaja ISBA JAYA melalui program financial literacy yang dilakukan oleh PPKM Indonesia. Dengan pendekatan kualitatif, pengumpulan data melalui studi literatur, observasi serta wawancara informan dengan purposif sampling. Hasil penelitian ini menggambarkan proses pemberdayaan yang dilakukan oleh PPKM Indonesia, dimulai dari tahap persiapan hingga tahap pelaksanaan dan tahap monitoring dan evaluasi, bentuk keberdayaan dari remaja yang mengikuti kegiatan pelatihan dan pendampingan, yaitu adanya pemahaman remaja dan perubahan perilaku dalam hal ini menabung dan beberapa remaja yang kemudian membuka usaha/bisnis, serta faktor pendukung dan penghambat yang ada dari tahap awal persiapan hingga tahap akhir monitoring dan evaluasi .

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ABSTRACT
This thesis discusses the youth empowerment through a financial literacy program which was be done by PPKM Indonesia at ISBA JAYA. This research used a qualitative approach with descriptive research. While collecting data using study literature, observation, in depth interview with purposive sampling technical. The result of this study show the process of empowerment by PPKM Indonesia, that are Preperation stage until monitoring and evaluation stage, youth empowerment forms who follow training activities is understanding and change behavior related saving money and some of participants youth opening a small business, and supportive and obstructive factors of financial literacy.

Abstrak :
Salah satu tantangan yang akan Indonesia hadapi saat menjadi ageing population country adalah tanggungan jaminan sosial dan pensiun. Penelitian sebelumnya menunjukkan masalah ini dapat diantisipasi dengan mendorong rakyat melakukan perencanaan keuangan untuk pensiun. Namun, hasil dari Survei Literasi Keuangan Nasional OJK tahun 2016 menunjukkan Indeks Literasi Keuangan Konvensional dan Syariah masih rendah. Padahal literasi keuangan dibutuhkan untuk merencanakan keuangan. Penelitian ini menginvestigasi hubungan antara literasi keuangan, risk aversion, time horizon dan pengetahuan ekonomi terhadap perencanaan keuangan pensiun konvensional dan syariah Muslim di Indonesia. Data diperoleh dari 387 Muslim di Indonesia dan diolah dengan regresi logit. Hasil menunjukkan perencanaan keuangan pensiun konvensional dipengaruhi oleh literasi konvensional, time horizon, dan pengetahuan ekonomi secara positif serta literasi syariah secara negatif. Variabel kontrol jumlah anak berpengaruh negatif, sementara jenis pekerjaan, dan pendapatan berpengaruh positif. Sementara itu, perencanaan keuangan pensiun syariah dipengaruhi oleh literasi keuangan konvensional dan syariah secara positif. Temuan lainnya adalah risk aversion tidak memiliki peran dalam mempengaruhi kedua variabel dependen tersebut.

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In the future, Indonesia will turn into ageing population country and face high dependency ratio of the elderly, thus result in the greater expense of social security and pension funds. Previous studies encourage the citizens to manage and plan their own retirement as the national funds could not cover them thoroughly. The past studies also show that financial literacy has correlation to retirement planning. Unfortunately, based on financial literacy survey conducted by OJK in 2016, the index of financial literacy in Indonesia still low. Even, the sharia financial literacy is lower, although there are various Islamic financial products and services. This paper investigates whether Indonesian Muslim have thought of retirement in conventional and sharia way. Furthermore, using logistic regression, we explore the relationship between financial literacy, risk aversion, time horizon, and economic knowledge to planning. With respect to conventional planning, statistically significant and positive relationship exists in conventional literacy, time horizon, economic knowledge, job and knowledge. Islamic financial literacy and number of children will decrease the probability thinking of retirement. On the other hand, Islamic planning is determined by conventional and Islamic financial literacy positively. Strikingly, there is no role of risk aversion towards both dependent variables.

Abstrak :
Penelitian ini bertujuan untuk menganalisis pengaruh financial self efficacy terhadap preferensi penggunaan produk perbankan. Penelitian ini merupakan penelitian eksplanatif dengan metode analisis binary logit model. Populasi pada penelitian ini adalah penduduk DKI Jakarta berusia 17 sampai 60 tahun. Sampel yang diambil sebanyak 200 responden yang tersebar di 5 kota administrasi di provinsi DKI Jakarta. Teknik penarikan sampel yang dilakukan dalam penelitian ini adalah secara quota sampling. Hasil dari penelitian ini menunjukan bahwa variabel independen financial self efficacy beserta ketiga indikatornya berpengaruh secara signifikan terhadap preferensi penggunaan produk perbankan. Sedangkan secara parsial, financial self efficacy scale berpengaruh terhadap preferensi penggunaan saving product dan liabilities product, willingness to take financial risk hanya berpengaruh terhadap preferensi penggunaan saving product, dan financial literacy factors berpengaruh terhadap preferensi penggunaan saving product dan liabilities product.

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This study aims to analyze the influence of financial self efficacy toward the preferences of using banking product. This research is an explanative research with binary logit model analysis method. The population in this study is citizens of DKI Jakarta aged 17 to 60 years. The sample is 200 respondents spread over 5 administrative areas in Jakarta. Sampling technique conducted in this research is quota sampling. The results of this study indicate that the independent variable financial self efficacy and its three indicators significantly influence the preferences of using banking products. While partially, the financial self efficacy scale has an effect on the preference of using saving product and liabilities product, willingness to take financial risk only influence saving product preferences, and financial literacy factors influence the preference of saving product and liabilities product.

Abstrak :
Skripsi ini membahas mengenai literasi keuangan, syariah dan konvensional, dan perilaku keuangan. Berdasarkan penelitian yang sudah lalu, literasi keuangan dan perilaku keuangan dihubungan dengan factor-faktor demografis Usia, Gender, Pendidikan Tinggi, Etnis, Pendidikan Orangtua, dan Besaran Pendapatan. Skripsi ini menggunakan metode regresi linear dan crosstab antar variable. Hasil regresi menunjukan bahwa Pendapatan dan Usia bernilai signifikan terhadap Literasi Keuangan Syariah dan Perilaku Keuangan, namun untuk variabel Literasi Keuangan Konvensional, hanya variabel Pendapatan yang bernilai signifikan. Diharapkan penelitian ini bisa memberi penjelasan terhadap faktor apa saja yang bisa mempengaruhi literasi keuangan dan perilaku keuangan seseorang. ......This research discusses financial literacy, sharia and conventional, and financial behavior. Based on past research, this minithesis will find the connection between financial literacy and financial behavior to demographic factors such as Age, Gender, Higher Education, Ethnicity, Parental Education, and Amount of Income. This research uses the method of linear regression and crosstab between variables. Regression results show that income and age have significant value on Islamic Financial Literacy and Financial Behavior, but for Conventional Financial Literacy variables, only Income variable is significant. It is hoped that this research can provide an explanation of what factors can influence financial literacy and financial behavior of a person.

Abstrak :
Penelitian ini bertujuan untuk menganalisis perbedaan financial literacydan financial distress/financial well-beingpada karyawan yang berkerja di bidang keuangan dan bidang non keuangan di DKI Jakarta.Sampel terdiri dari 290 responden yang terdiri dari 145 karyawan yang bekerja di bidang keuangan dan 145 karyawan yang bekerja di bidang non-keuangan di DKI Jakarta. Penelitian ini menggunakan pendekatan kuantitatif dan survei kuisioner secara onlinedengan data primer yang dianalisis menggunakan statistik deskriptif dan uji beda. Hasil penelitian ini menunjukkan bahwa terdapat perbedaan pada variabel financial literacyantara karyawan yang bekerja di bidang keuangan dengan karyawan yang bekerja di bidang non keuangan. Namun, pada variabel financial distress/financial well-beingtidak terdapat perbedaan antara karyawan yang bekerja di bidang keuangan dengan karyawan yang bekerja di bidang non keuangan. Selain itu, tidak ada faktor sosialekonomi dan demografi yang berpengaruh terhadap financial literacy, sedangkan faktor pendapatan adalah faktor sosialekonomi dan demografi yang berpengaruh terhadap financial distress/financial well-being. ......This study aims at analysing the difference in financial literacy level and financial distress/well-being level between employees who are working in financial and non-financial sector. The sample amounts to 290 employees, which then grouped  into equally balanced number representing the financial and non-financial sector. This study uses quantitative approach with online survey and  analyzed using descriptive statistics, different test (independent sample t-test), and Kolmogorov-Smirnov Test. The result shows that there is a difference between the two groups in financial literacy level with Employees Working in the Financial Sector group shows superior level compares to the Employees Working in the non Financial Sector  group. In terms of financial distress/well-being variabel, is the result shows no difference between the two grups. Another result is there are no socioeconomic and demographic factors that affect financial literacy, while income factors are socioeconomic and demographic factors that affect financial distress /financial well-being.

Abstrak :
Through art-based instructional processes that stimulate students' affective awareness, it encourages facilitation of compassionate environments founded on principles of selflessness and will prove invaluable for researchers, leaders and practitioners in the field of social education.