Journal articles on the topic 'Financial'

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1

Repovž, Leon. "Project financing and financial engineering." International Journal of Project Management 6, no. 3 (August 1988): 171–77. http://dx.doi.org/10.1016/0263-7863(88)90044-0.

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2

Tachibanaki, Toshiaki. "Public Financing and Financial Regulations." Japanese Economic Studies 24, no. 5 (September 1996): 3–32. http://dx.doi.org/10.2753/jes1097-203x24053.

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3

Du, Lixia, and Baiyang Geng. "Financial technology and financing constraints." Finance Research Letters 60 (February 2024): 104841. http://dx.doi.org/10.1016/j.frl.2023.104841.

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4

Siahaan, Matdio, Samuel PD Anantadjaya, I. Made Gede Ariestova Kurniawan, and Anwar Soleh Purba. "Syariah Technology Financial Potential to Reach Non-bank Financing." Webology 19, no. 1 (January 20, 2022): 1824–33. http://dx.doi.org/10.14704/web/v19i1/web19122.

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The establishment of Syariah Financial Technology (FinTech) has answered the needs of the current transaction system. The presence of financial technology has made the current financial system run fast and efficiently. This research will explain and analyze the potential of Islamic Fintech in reaching non-bank financing. Data collection used in this research is descriptive qualitative method by directly observing the field. The analysis technique used in compiling the potential of Islamic FinTech is the matrix of Strengths, Opportunities, Weaknesses and Threats (SWOT). The results of the SWOT analysis show that there are several potentials for Islamic FinTech, including: 1) More potential investors and lenders considering that the majority of Indonesians are Muslim, 2) There are clear regulations related to Islamic FinTech in Indonesia, 3) Ease of access to services for all people, 4) Save operational costs and marketing costs for the company, and 5) The types of products offered to customers are more diverse, both in the form of financing and savings. So it can be concluded that with the existence of Technology Finance, the public will be more assisted and easier in conducting transactions between banks.
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5

Sintia, Iceu, and Pupung Purnamasari. "Pengaruh Kualitas Audit dan Financial Stability terhadap Fraud Financial Statement." Bandung Conference Series: Accountancy 3, no. 2 (July 28, 2023): 826–34. http://dx.doi.org/10.29313/bcsa.v3i2.8422.

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Abstract. This study aims to determine the effect of audit quality and financial stability on fraud financial statements. The samples used in this study were 21 consumer goods industry companies listed on the Indonesia Stock Exchange (IDX) with a research year range of 2018-2021. The research data was obtained from audited financial reports from sample companies which were downloaded from the IDX website (www.idx.co.id) and IDN Financials (www.idnfinancials.com). Testing the proposed hypothesis using logistic regression analysis. The results of this study indicate that audit quality and financial stability have an effect on fraudulent financial statements. For the purposes of further research, it is recommended to add research sectors and the observation period. Abstrak. Penelitian ini bertujuan untuk menganalisis kualitas audit, financial stability, dan pengaruh nya terhadap fraud financial statement . sasaran penelitian ini dilakukan di bursa efek Indonesia sektor industri barang dan konsumsi dengan tahun pengamatan yaitu 2018-2021, data yang digunakan yaitu menggunakan data sekunder. Sampel yang digunakan yaitu memakai teknik purposive sampling, dengan jumlah populasi sebanyak 85 perusahaan industri barang dan konsumsi dan 21 sampel perusahaan yang memenuhi kriteria pada penelitian. Pada penelitian ini kualitas audit (X1) dihitung menggunakan variabel dummy, financial stability (X2) dihitung dengan ACHANGE, dan fraud financial statement dihitung menggunakan Beneish M Score. Hasil dari penelitian ini secara signifikan berpengaruh positif dan signifikan terhadap Fraud Financial statement. Namun sebagian tidak berpengaruh pada kecurangan laporan keuangan kualitas audit, financaial stability, fraud financial statement.
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Castro, Fernanda, Aquiles E. G. Kalatzis, and Carlos Martins-Filho. "Financing in an emerging economy: Does financial development or financial structure matter?" Emerging Markets Review 23 (June 2015): 96–123. http://dx.doi.org/10.1016/j.ememar.2015.04.012.

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7

Aubert, Nicolas, Niaz Kammoun, and Yacine Bekrar. "Financial decisions of the financially literate." Finance 39, no. 2 (2018): 43. http://dx.doi.org/10.3917/fina.392.0043.

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8

Krens, F. "Financiële bodybuilding en financial accounting theorie." Maandblad Voor Accountancy en Bedrijfseconomie 64, no. 11 (November 1, 1990): 491–95. http://dx.doi.org/10.5117/mab.64.12565.

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9

Laeven, Luc. "Does Financial Liberalization Reduce Financing Constraints?" Financial Management 32, no. 1 (2003): 5. http://dx.doi.org/10.2307/3666202.

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10

Pass, Christopher L., and Stephen F. Witt. "Financial Institutions, Corporate Control and Financing." Managerial Finance 11, no. 3/4 (March 1985): 61–72. http://dx.doi.org/10.1108/eb013552.

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11

Amylia Haryati and Sri Fadilah. "Pengaruh Green Financing terhadap Financial Distress." Bandung Conference Series: Accountancy 4, no. 1 (February 7, 2024): 251–58. http://dx.doi.org/10.29313/bcsa.v4i1.11479.

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Abstract. Bankruptcy in companies, especially banks, will usually begin with an unhealthy bank condition characterized by financial difficulties. To reduce credit risk, the bank may increase its loan portfolio by channeling green financing because green financing is a less risky financing. So, the problem in this study is defined as follows, "Does green financing affect financial distress?" Researchers used descriptive analysis technique method using quantitative approach. The population selected in this study are banks listed on the Indonesia Stock Exchange (IDX) in 2021-2022. By using Purposive Sampling, the number of research samples obtained was 25 banks. Researchers collected secondary data in the form of Annual Report documents and Bank Sustainability Reports. The data analysis technique used in this research is descriptive analysis technique. The results of this study are: There is a negative relationship between green financing and financial distress. Abstrak. Kebangkrutan pada perusahaan khususnya bank biasanya akan diawali dengan kondisi bank yang tidak sehat yang ditandai dengan terjadinya kesulitan keuangan. Untuk menekan risiko kreditnya, bank dapat meningkatkan portofolio kredit dengan menyalurkan green financing karena green financing merupakan pembiayaan yang tidak terlalu berisiko. Berdasarkan fenomena tersebut, maka permasalahan dalam penelitian ini dirumuskan sebagai berikut, ”Apakah green financing berpengaruh terhadap financial distress?” Peneliti menggunakan metode teknik analisis deskriptif dengan menggunakan pendekatan kuantitatif. Populasi yang dipilih dalam penelitian ini adalah Bank yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2021-2022. Dengan menggunakan Purposive Sampling diperoleh jumlah sampel penelitian yaitu 25 bank. Peneliti mengumpulkan data sekunder berupa dokumen Laporan Tahunan dan Laporan Keberlanjutan Bank. Adapun teknik analisis data yang digunakan dalam penelitian ini adalah teknis analisis deskriptif. Hasil dari penelitian ini adalah: Terdapat hubungan negatif antara green financing terhadap kondisi financial distress.
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12

Lethepa, Alicia, Reon Matemane, and Nyasha Dhlembeu. "Bankers and financial advisers in an emerging economy: are they financially literate?" Banks and Bank Systems 15, no. 2 (April 13, 2020): 16–27. http://dx.doi.org/10.21511/bbs.15(2).2020.02.

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Financial literacy is important for employees in the banking sector, as they are required to advise and administer the savings and investments of their clients. This study aims to establish financial literacy levels for banking employees and socio-demographic variables that influence their financial literacy levels. When collecting the necessary data for analysis, a survey was used for the total final sample of 120 employees of the banking sector. Descriptive statistics, the two-sample T-test and a simple ANOVA were used to determine the actual financial literacy levels and the socio-demographic factors influencing them. Overall, the employees were found to have moderately high levels of financial literacy. Only gender, race and education level were found to have an influence on financial literacy levels. This study informs the banking sector about how well employees are involved in financial literacy and which socio-demographic groups of their employees they need to focus on when exploring financial education programs.
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13

Wijaya, Iskandy, and Yanuar Yanuar. "Pengaruh Financial Knowledge, Financial Satisfaction, Financial Confidence terhadap Financial Behavior." Jurnal Manajemen Bisnis dan Kewirausahaan 5, no. 1 (January 29, 2021): 72. http://dx.doi.org/10.24912/jmbk.v5i1.10832.

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The purpose of this study is to analyze the effect of Financial Satisfaction, Financial Knowledge, Financial Confidence on Financial Behavior. This study uses the theory of planned behavior and financial behavior theory. The problem in this research is to find out the factors that can improve an individual's financial behavior in making appropriate financial decisions. This study uses a conclusive and descriptive research design. This research data is primary data obtained by a cross-sectional design. The sampling technique of this study was non-probability sampling using convenience sampling. This research was conducted with OVO application users in UNTAR. The results of this study indicate that Financial Knowledge and Financial Confidence have a significant effect on Financial Behavior while Financial Satisfaction does not affect Financial Behavior. Tujuan penelitian ini adalah untuk menganalisis pengaruh Financial Satisfaction, Financial Knowledge, Financial Confidence terhadap Financial Behavior. Penelitian ini menggunakan teori perilaku terencana dan teori perilaku keuangan. Masalah dalam penelitian ini yaitu untuk mengetahui faktor yang dapat meningkatkan perilaku keuangan individu dalam pengambilan keputusan keuangan yang tepat. Penelitian ini menggunakan desain penelitian konklusif dan deskriptif. Data penelitian ini merupakan data primer yang diperoleh dengan cross-sectional design. Teknik pengambilan sampel penelitian ini adalah non-probability sampling dengan menggunakan convenience sampling. Penelitian ini dilakukan kepada pengguna aplikasi OVO di UNTAR. Hasil penelitian ini menunjukan bahwa Financial Knowledge dan Financial Confidence berpengaruh signifikan terhadap Financial Behavior sedangkan Financial Satisfaction tidak berpengaruh terhadap Financial Behavior.
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14

Kim-Soon, Ng, Abd Rahman Ahmad, and Yau Chau Poh. "Improving Small and Medium Enterprises Financing for Stronger Financial and Non-Financial Performance." Advanced Science Letters 23, no. 4 (April 1, 2017): 3025–28. http://dx.doi.org/10.1166/asl.2017.7641.

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15

Hu, Guohui, and Sisi Wang. "Digital financial inclusion, Financial Mismatch and Small and medium-sized enterprises Financing Constraints." SHS Web of Conferences 169 (2023): 01011. http://dx.doi.org/10.1051/shsconf/202316901011.

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Digital financial inclusion through the use of big data, artificial intelligence and other emerging technologies is becoming increasingly sophisticated in China. Using a sample of 843 SMEs in Shenzhen Stock Exchange from 2012-2021, this paper investigates the impact of digital financial inclusion on SMEs’ financing constraints and its mechanism of action using a fixed effects model. It is found that digital financial inclusion can significantly alleviate the financing constraints of SMEs. Further analysis of the mechanism of action reveals that digital financial inclusion can indeed reduce the level of financing constraints by alleviating the financial mismatch of enterprises. The heterogeneity analysis finds that this mitigating effect is greater among non-state versus eastern SMEs. This study sheds new light on alleviating the financing constraints of SMEs and improving financial mismatch.
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16

Laux, Christian. "Financial instruments, financial reporting, and financial stability." Accounting and Business Research 42, no. 3 (August 2012): 239–60. http://dx.doi.org/10.1080/00014788.2012.681857.

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17

Huang, Haizhou, and Chenggang Xu. "Financial Institutions, Financial Contagion, and Financial Crises." IMF Working Papers 00, no. 92 (2000): 1. http://dx.doi.org/10.5089/9781451851588.001.

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18

Plosser, C. I. "Financial Econometrics, Financial Innovation, and Financial Stability." Journal of Financial Econometrics 7, no. 1 (November 27, 2008): 3–11. http://dx.doi.org/10.1093/jjfinec/nbn014.

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19

Stolper, Oscar A., and Andreas Walter. "Financial literacy, financial advice, and financial behavior." Journal of Business Economics 87, no. 5 (March 4, 2017): 581–643. http://dx.doi.org/10.1007/s11573-017-0853-9.

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20

Wijaya, Candra, and Ary Satria Pamungkas. "Pengaruh Financial Behavior, Financial Attitude, Dan Financial Capability Terhadap Financial Satisfaction." Jurnal Manajerial Dan Kewirausahaan 3, no. 2 (April 8, 2021): 308. http://dx.doi.org/10.24912/jmk.v3i2.11874.

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The purpose of this research is toexamine the effect of Financial Behavior, Financial Attitude and Financial Satisfaction. The samples of this study is the people of Riau who are already working. The sample was selected by convenience sampling method amounted to 165 respondent with an online questionnaire help by Google form. The data analysis technique used is structural equation modeling assisted bu the SmartPLS program. The result of this study show that there is an influence of Financial Behavior, Financial Attitude, and Financial Capability on Financial Satisfaction. Tujuan dari penelitian ini adalah untuk menguji pengaruh Financial Behavior, Financial Attitude terhadap Financial Satisfaction. Sampel penelitian ini adalah masyarakat Riau yang sudah bekerja. Sampel dipilih dengan metode convenience sampling berjumlah 165 responden dengan bantuan kuisioner online bantuan Google Form. Teknik analisis data yang digunakan adalah Structural equation modelling yang dibantu program SmartPLS. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh Financial Behavior, Financial Attitude, dan Financial Capability terhadap Financial Satisfaction.
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21

Darmawan, Deddy, and Ary Satria Pamungkas. "Pengaruh Financial Attitude, Financial Behavior, Dan Financial Knowledge Terhadap Financial Satisfaction." Jurnal Manajerial Dan Kewirausahaan 1, no. 2 (August 21, 2019): 172. http://dx.doi.org/10.24912/jmk.v1i2.5076.

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The purpose of this research is to analyze the influence of Financial Attitude, Financial Behavior, and Financial Knowledge toward Financial Behavior. The sample of this research is auditor in four biggest public accounting firms in Jakarta. Sample was selected using convenience sampling method amounted to 130 respondents through spreading questionnaire indirectly via online through the Google form section. Data processing techniques using structural equation modeling that helped by SmartPLS.3.2.7 program. The result of this study reveals that Financial Attitude, Financial Behavior, and Financial Knowledge have effects towards Financial Satisfaction.Tujuan dari penelitian ini adalah untuk menguji pengaruh Financial Attitude, Financial Behavior, dan Financial Knowledge terhadap Financial Satisfaction. Sampel pada penelitian ini adalah auditor pada empat kantor akuntan publik terbesar di Jakarta. Sampel dipilih dengan metode convenience sampling yang berjumlah sebanyak 130 responden dengan menyebarkan kuesioner online dengan bantuan Google form. Teknik analisis data yang digunakan adalah structural equation modeling yang dibantu dengan bantuan program SmartPLS.3.2.7. Hasil yang didapat pada penelitian ini menunjukkan bahwa terdapat pengaruh Financial Attitude, Financial Behavior, dan Financial Knowledge terhadap Financial Satisfaction.
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Jefilyana, Jefilyana, and Sarwo Edy Handoyo. "Pengaruh Financial Attitude, Financial Literacy dan Financial Knowledge terhadap Financial Behavior." Jurnal Manajerial Dan Kewirausahaan 4, no. 4 (November 2, 2022): 938–46. http://dx.doi.org/10.24912/jmk.v4i4.20554.

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Penelitian ini bertujuan untuk mengetahui pengaruh financial attitude, financial literacy dan financial knowledge terhadap financial behavior pada pengguna Shopee di Jakarta Barat. Sampel yang digunakan dalam penelitian ini sebanyak 100 responden yang merupakan pengguna Shopee yang berdomisili di Jakarta Barat. Teknik pemilihan sampel yang digunakan adalah purposive sampling. Penelitian ini menggunakan Software Smart Partial Least Square PLS. versi 3.3.2 sebagai metode analisis data. Hasil penelitian menunjukkan financial attitude, financial literacy dan financial knowledge berpengaruh positif dan signifikan terhadap financial behavior. The purpose of this study is to determine the effect of financial attitude, financial literacy and financial knowledge on the financial behavior of Shopee users in West Jakarta. The sample used in this research is 100 respondents who are Shopee users who are domiciled in West Jakarta. The sampling technique used is purposive sampling. This research uses Smart Partial Least Square PLS software. version 3.3.2 as a data analysis method. The results showed that financial attitude, financial literacy and financial knowledge had a positive and significant effect on financial behavior.
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Lim, Richie Cruise, and Ary Satria Pamungkas. "Pengaruh Financial Behavior, Financial Knowledge, dan Financial Strain terhadap Financial Satisfaction." Jurnal Manajerial Dan Kewirausahaan 5, no. 1 (January 31, 2023): 38–46. http://dx.doi.org/10.24912/jmk.v5i1.22511.

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Tujuan dari penelitian ini adalah untuk menguji pengaruh Financial Behavior, Financial Knowledge, dan Financial Strain terhadap Financial Satisfaction. Sampel dalam penelitian ini adalah seluruh penduduk kota Medan yang sudah memiliki penghasilan. Sampel dipilih dengan menggunakan metode convenience sampling berjumlah 171 responden dengan menyebarkan kuesioner secara online melalui Google Form. Teknik analisis data yang digunakan adalah Structural Equation Modeling (SEM) yang dibantu dengan bantuan program Smart-PLS.3.3.3. Hasil penelitian ini adalah Financial Behavior dan Financial Knowledge memiliki pengaruh positif terhadap Financial Satisfaction, sedangkan Financial Strain tidak memiliki pengaruh terhadap Financial Satisfaction. The purpose of this study is to examine the effect of Financial Behavior, Financial Knowledge, and Financial Strain on Financial Satisfaction. The sample in this study is all residents who already have income in Medan city. The sample was chosen using convenience sampling method amounted to 171 respondents by distributing questionnaires online through the Google form section. The data analysis technique used is Structural Equation Modeling (SEM) which is assisted with the assistance of the Smart-PLS program.3.3.3. The results of this study are that Financial Behavior and Financial Knowledge have a positive effect on Financial Satisfaction, meanwhile Financial Strain do not have effect on Financial Satisfaction.
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Ni Luh Eka Ayu Permoni and Ni Kadek Oki Arsita Dewi Oki. "IMPROVING FINANCIAL PERFORMANCE THROUGH FINANCIAL MANAGEMENT, FINANCIAL LITERACY AND FINANCIAL INCLUSION." ARTHA SATYA DHARMA 16, no. 1 (June 27, 2023): 61–67. http://dx.doi.org/10.55822/asd.v16i1.306.

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Micro, Small and Medium Enterprises (MSMEs) are an important part of the economy because they are able to help restore the people's economy from the smallest scale. This research is research that aims to reveal ways to improve financial performance in MSMEs through financial management, financial literacy and financial inclusion in MSMEs. Data collection techniques in this study used literature review, documentation, interviews, and questionnaires. The type of data used in this study uses quantitative data. The sampling technique in this study used a purposive sampling technique. In this study, financial management variables have a positive and significant effect on financial performance, financial literacy variables have a positive and significant effect on financial performance and financial inclusion variables have a positive and significant effect on financial performance. From the results of this study it can be concluded that the financial performance of MSMEs can be improved through improvements in financial management, financial literacy and financial inclusion in MSMEs.
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25

Marheni, Dewi Khornida. "PENGARUH FINANCIAL ATTITUDE, FINANCIAL EDUCATION, FINANCIAL KNOWLEDGE, FINANCIAL EXPERIENCE, DAN FINANCIAL BEHAVIOR TERHADAP FINANCIAL LITERACY PADA PELAJAR KOTA BATAM." Journal of Global Business and Management Review 2, no. 1 (July 6, 2020): 21. http://dx.doi.org/10.37253/jgbmr.v2i1.790.

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Penelitian ini memiliki tujuan dalam menganalisa hubungan dari beberapa variabel yaitu Financial Attitude, Financial Education, Financial Knowledge, Financial Experience, dan Financial Behavior terhadap Financial Literacy pada Pelajar yang ada di Kota Batam. Pada penelitian ini menggunakan pendekatan kuantitatif, serta data primer yang menjadi sumber data yang dikumpulkan melalui penyebaran kuesioner sebanyak 450 responden yang berupa pelajar di Kota Batam. Beberapa kuesioner tidak dapat diolah karena tidak diisi dengan lengkap, setelah terkumpul data tersebut diolah melalui aplikasi perangkat lunak dengan nama SPSS versi 23. Hasil penelitian menyatakan bahwa financial attitude dan financial experience berpengaruh signifikan positif terhadap financial literacy, financial behavior berpengaruh signifikan negatif terhadap financial literacy, sedangkan financial knowledge dan financial education tidak mempunyai pengaruh signifikan terhadap financial literacy.
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Sukma, Sjahmagri Priatama, and Mahir Pradana. "EFFECT OF FINANCIAL LITERACY, FINANCIAL ATTITUDE, AND FINANCIAL INCLUSION ON FINANCIAL BEHAVIOR." Jurnal Riset Bisnis dan Manajemen 15, no. 01 (February 17, 2022): 20–25. http://dx.doi.org/10.23969/jrbm.v15i01.5163.

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Students who are financially dependent on parents and financial-independent students are affected by Covid-19. Preventing financial problems can be carried out by good financial literacy. Based on precedent studies, financial literacy in Telkom University students was good; however, in reality, a protest emerged regarding tuition fees, generating a gap between the theory and reality. This study aimed to test a financial literacy argument of Telkom University students and the reality during pandemic. The study employed a quantitative method, verificative description, and purposive non-probability sampling technique. The study respondents amounted to 100 students of Business Administration undergraduate study. Data were analyzed using path analysis. From the hypothesis testing results, the financial literacy variable affected financial attitude, financial inclusion, and financial behavior. The inclusion variable affected and mediated the effect of financial literacy on financial behavior. Meanwhile, financial attitude did not affect and mediate the effect of financial literacy on financial behavior. Keywords: Financial; Financial Literacy, Financial Attitude; Financial Inclusion; Financial Behavior; Students
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Salazar-Rebaza, Carola, Fioreny Aguilar-Sotelo, Monica Zegarra-Alva, and Franklin Cordova-Buiza. "Financing in the alternative securities market: Economic and financial impact on SMEs." Investment Management and Financial Innovations 19, no. 2 (April 11, 2022): 1–13. http://dx.doi.org/10.21511/imfi.19(2).2022.01.

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In Latin America, SMEs have difficulty accessing sources of financing that allow them to obtain more significant growth and strengthen their economic activity. Therefore, this paper aims to determine the impact of financing in the alternative securities market (MAV) on the economic and financial situation of Peruvian SMEs during 2017–2020. The methodology used in this study is a quantitative approach, descriptive, non-experimental design, and longitudinal measurement. In addition, a documentary analysis technique is employed. The population included 17 SMEs financed in the MAV; the paper considers the financial statements of 6 companies in the last 4 years as a sample. The results obtained show that SMEs financed through the MAV are of different categories and economic activities. Likewise, there is a predisposition of these in the issuance and placement of short-term instruments, determining a favorable economic and financial situation through the analysis of financial indicators, with sustainable profitability growth and an acceptable liquidity and solvency situation. The conclusion is that financing in the alternative securities market has contributed to the improvement of SMEs’ economic and financial state, allowing for sustainable growth and opportunities to diversify their operations.
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Izzah, Farichatul, and Feri Dwi Riyanto. "Peran Financial Knowledge Dan Financial Attitude Terhadap Financial Management Behavior." JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) 6, no. 1 (June 12, 2022): 148–56. http://dx.doi.org/10.29408/jpek.v6i1.5551.

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The purpose of this research is to know the role financial knowledge and financial attitude against financial management behavior . People's well-being can be experienced if the financial management system can be lived as well as possible. In reaching Financial Management Behavior needed Financial Knowledge and Financial Attitude the positive and the right one to apply directly. Without applying Financial Knowledge and Financial Attitude the good one , then it's hard for individuals to guarantee their lives in the term Long. This research is a type of empirical research by using qualitative descriptives that are trying to define, write, analyze and express what is observed with use method analysis concept/isi (text). Research the one done is researching every text contained in several journals and book. The data source in this writing is primary data in the form of related journals and secondary data in the form of books. Data the one had been collected next analyzed with use content analysis methods ( Content Analysis ) . The conclusion of this study is a danya Financial Knowledge then being able to master, analyze and manage financially to make something financial determination so that it has good behavior management. Financial attitude have a role against Behavior management i.e. d engan has insight to manage financially, but just a little financial insight is possessed so that it causes people to be less suitable in managing their finances. Financial Attitude will influence on Financial Management Behavior cause is one of the facades that influences financial attitudes accompanied by good financial management behavior.
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29

Bayai, Innocent, and Sylvanus Ikhide. "Financing and financial sustainability of microfinance institutions (MFIs): a conceptual view." Banks and Bank Systems 11, no. 2 (July 2, 2016): 21–32. http://dx.doi.org/10.21511/bbs.11(2).2016.03.

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Recent evidence shows that MFI financing continues to evolve with an increased inclination towards commercial financing. Taking stock on MFI financing and refocusing on the relationship between financing options and financial sustainability (FS) is unavoidable. The authors consummated a literature review based on complementing the little evidence on the subject with both theoretical and implied evidence from related studies in unpacking the relationship. Though donations are losing grip as a popular MFI financing option, review of literature recommends smart subsidies to spur FS and counter inefficiency, mis-targetting, dependency and distortions. As much as debt addresses agency problems and endorses FS, it has to be kept within limits to curb liquidation and mission drift. Deposit attraction augments FS and outreach, though MFIs must prepare to foot licensing costs, otherwise, mission drift ensues. Equity, though scarce in microfinance, is cheap and additive to FS. The authors suggest that MFIs should consider commercial funding, whilst keeping a check on the downside of each commercial financing option to augment FS and multiply outreach
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30

Benton, David. "Financial Management Financial Management." Nursing Standard 16, no. 43 (July 10, 2002): 29. http://dx.doi.org/10.7748/ns2002.07.16.43.29.b366.

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31

Fernandes, Daniel, John G. Lynch, and Richard G. Netemeyer. "Financial Literacy, Financial Education, and Downstream Financial Behaviors." Management Science 60, no. 8 (August 2014): 1861–83. http://dx.doi.org/10.1287/mnsc.2013.1849.

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32

Permana, Jihan Zakiyah, and Lutfi Lutfi. "Financial Literacy, Financial Attitude, and Household Financial Behavior." Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship 12, no. 1 (December 10, 2022): 273. http://dx.doi.org/10.30588/jmp.v12i1.1094.

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Household financial behavior is a crucial topic to study because it determines the family's economic well-being. This study examines the effect of financial literacy, financial attitudes, financial experience, and income on household financial behavior. The object of this research is the family finance manager in Sidoarjo City, East Java. The data collection technique is using an online survey. Sample selection was done by using the purposive sampling technique. The sample of this research is 153 financial managers. The data analysis technique used the Partial Least Square Structural Equation Model (PLS_SEM). The results indicate that financial literacy and attitudes positively affect household financial behavior, while financial experience and income have no significant effect. This finding implies that financial policymakers should increase public financial literacy and attitude toward managing family finances.
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Siskawati, Erly Nabila, and Mega Noerman Ningtyas. "FINANCIAL LITERATURE, FINANCIAL TECHNOLOGY AND STUDENT FINANCIAL BEHAVIOR." DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial 7, no. 2 (September 2, 2022): 102–13. http://dx.doi.org/10.36636/dialektika.v7i2.1334.

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The purpose of this study was to analyze the effect of financial literacy and financial technology toward the financial behavior. This type of research is explanatory research using a sample of 389 undergraduate students at UIN Maulana Malik Ibrahim Malang from the 2018-2021 class. We collected data through an online questionnaire (google form) and analyzed it using SEM-PLS with the help of SmartPLS 3 software. The results indicates that financial literacy had a positive significant effect on student financial behavior and financial technology had a negative and significant effect on student financial behavior.
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Jefrie, Jefrie, and Hendra Wiyanto. "Pengaruh Financial Attitude, Financial Knowledge, Dan Financial Behavior Terhadap Financial Technology Literacy." Jurnal Manajerial Dan Kewirausahaan 2, no. 2 (May 20, 2020): 371. http://dx.doi.org/10.24912/jmk.v2i2.7930.

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The purpose of this research is to analyze the effect of Financial Attitude, Financial Knowledge, and Financial Behavior toward Financial Technology Literacy. The sample of this research were Go-Pay users in West Jakarta. The sample was selected using a non-probability sampling method amounted to 250 respondents by distributing questionnaire via online through the Google form section. The data analysis technique used is structural equation modeling that helped by Smart-PLS version 3.0 program. The results of this research reveals that Financial Attitude, Financial Knowledge, and Financial Behavior have effects towards Financial Technology Literacy on Go-Pay users in West Jakarta. Tujuan dari penelitian ini adalah untuk menguji pengaruh Financial Attitude, Financial Knowledge, dan Financial Behavior terhadap Financial Technology Literacy. Sampel pada penelitian ini adalah pengguna Go-Pay di Jakarta Barat. Sampel dipilih dengan menggunakan metode non probability sampling yang berjumlah sebanyak 250 responden dengan menyebarkan kuesioner secara online dengan bantuan Google form. Teknik analisis data yang digunakan adalah structural equation modeling yang dibantu dengan bantuan program Smart-PLS versi 3.0. Hasil yang didapat pada penelitian ini menunjukkan bahwa terdapat pengaruh Financial Attitude, Financial Knowledge, dan Financial Behavior terhadap Financial Technology Literacy pada pengguna Go-Pay di Jakarta Barat.
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Natawiguna, Bobby, and Ary Satria Pamungkas. "Pengaruh Financial Knowledge, Financial Attitude, dan Financial Risk Tolerance terhadap Financial Satisfaction." Jurnal Manajerial Dan Kewirausahaan 4, no. 1 (January 30, 2022): 40. http://dx.doi.org/10.24912/jmk.v4i1.17122.

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Tujuan dari penelitian ini adalah untuk menguji pengaruh Financial Knowledge, Financial Attitude, dan Financial Risk Tolerance terhadap Financial Satisfaction. Sampel pada penelitian ini adalah pengguna fintech yang sudah memiliki pendapatan di Jakarta. Sampel dipilih dengan metode convenience sampling yang berjumlah 174 responden dengan menyebarkan kuesioner online. Teknik analisis data yang digunakan adalah structural equation modeling yang dibantu dengan bantuan program SmartPLS.3.2.2. Hasil yang didapat pada penelitian ini menunjukkan bahwa terdapat pengaruh positif Financial Knowledge dan Financial Attitude terhadap Financial Satisfaction. Sedangkan Financial Risk Tolerance tidak memiliki pengaruh terhadap Financial Satisfaciton. The purpose of this research is to analyze the influence of Financial Knowledge, Financial Attitude, and Financial Risk Tolerance toward Financial Satisfaction. The subjects of this research are fintech users who already have income in Jakarta. Sample was selected using convenience sampling method amounted to 174 respondents through spreading questionnaire online. Data processing techniques using structural equation modeling what helped by SmartPLS.3.2.2 program. The result of this study reveals that Financial Knowledge and Financial Attitude have effects toward Financial Satisfaction, meanwhile Financial Risk Tolerance do not have effects toward Financial Satisfaction.
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Dwita Oka Futryan and Serli Oktapiani. "Pengaruh Financial Self Efficacy, Financial Knowledge, Financial Attitude Terhadap Financial Management Behavior." Advantage: Journal of Management and Business 1, no. 2 (January 3, 2024): 81–88. http://dx.doi.org/10.61971/advantage.v1i2.8.

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Penelitian ini bertujuan untuk menguji Pengaruh Financial Self Efficacy, Financial Knowledge, Financial Attitude Terhadap Financial Management Behavior. Teknik pengambilan sample pada penelitian ini menggunakan teknik purposive sampling. Populasi dalam penelitian ini adalah lulusan Fakultas Ekonomi Dan Bisnis Universitas Teknologi Sumbawa. Sample dalam penelitian ini adalah 100 lulusan Fakultas Ekonomi Dan Bisnis Universitas Teknologi Sumbawa. Teknik analisis data pada penelitian ini menggunakan Statistical Package For Social Science (SPSS) dan jenis penelitiannya adalah kuantitatif. Hasil penelitian ini setelah dilakukan analisis data didapatkan bahwa Financial Self Efficacy berpengaruh positif signifikan terhadap Financial Management Behavior, Financial Knowledge berpengaruh positif signifikan terhadap Financial Management Behavior dan Financial Attitude berpengaruh positif signifikan terhadap Financial Management Behavior.
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Wulan, Yuli Yanti, and Indrawati Yuhertiana. "FINANCIAL INTELLIGENCE OF SMALL ENTREPRENEURS IN MANAGING FINANCIALS." jmm17 8, no. 02 (October 19, 2021): 136–48. http://dx.doi.org/10.30996/jmm17.v8i02.5655.

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Micro, Small and Medium Enterprises have a significant contribution to the economy in Indonesia, but a phenomenon that often occurs is the problem of business actors who do not use financial reports in running their business but their business is still running, this study aims to find out how the financial intelligence of small entrepreneurs in managing finances his efforts.This research is a qualitative research, data collection techniques are carried out by observation, interviews, and documentation studies. Selection of informants using purposive sampling method based on the criteria that the informants are small entrepreneurs who have run their business for at least 5 years and do not make financial reports.The findings of this study indicate that the importance of financial intelligence in the financial management of micro, small and medium enterprises (MSMEs) is considered to be still poorly understood by entrepreneurs and still lacks understanding of financial reports. Small and medium entrepreneurs are still working on bookkeeping to the extent of recording income and expenses. As a result, the company's net income and income tax estimates are difficult to know. This becomes a difficulty for many small entrepreneurs to determine a business development strategy.
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Indriastuti, Maya, Indri Kartika, and Sri Sulistyowati. "Reducing Non Performing Financing Through Financial Ratios." JURNAL STUDI MANAJEMEN ORGANISASI 17, no. 1 (February 22, 2022): 71–78. http://dx.doi.org/10.14710/jsmo.v17i1.40175.

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The aim of this study is to investigate financial ratios in minimizing non performing financing (NPF) at Sharia Banks. The samples of this study were 11 Sharia Banks listed in Bank Indonesia in 2008-2018. The data were analyzed by using multiple linier regression analysis. The result of this study showed that CAR, QPA, and OEOI have a significant positive effect on NPF. Meanwhile, FDR variable has no significant negative effect on NPF. The results of this study are expected to provide information on the factors that can affect the NPF and how to control the NPF so that Sharia Banks can keep the ratio of NPF net to stay under 5%, this is to maintain the condition of the bank soundness level.
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Das, Subhash Chandra. "Financial Inclusion and Micro Financing in India." Management Accountant Journal 56, no. 4 (April 30, 2021): 81. http://dx.doi.org/10.33516/maj.v56i4.81-83p.

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40

Barker, Richard. "The operating‐financing distinction in financial reporting." Accounting and Business Research 40, no. 4 (January 2010): 391–403. http://dx.doi.org/10.1080/00014788.2010.9995319.

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41

Blackburn, Keith, Niloy Bose, and Salvatore Capasso. "Financial Development, Financing Choice and Economic Growth." Review of Development Economics 9, no. 2 (May 2005): 135–49. http://dx.doi.org/10.1111/j.1467-9361.2005.00268.x.

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42

Barbopoulos, Leonidas G., Phil Molyneux, and John O. S. Wilson. "Earnout financing in the financial services industry." International Review of Financial Analysis 47 (October 2016): 119–32. http://dx.doi.org/10.1016/j.irfa.2016.07.001.

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43

Huddleston, Jack R. "Intrametropolitan financial flows under tax increment financing." Policy Sciences 19, no. 2 (June 1986): 143–61. http://dx.doi.org/10.1007/bf02113493.

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44

SARKAR, SUDIPTO. "Optimal Expansion Financing and Prior Financial Structure*." International Review of Finance 11, no. 1 (March 2011): 57–86. http://dx.doi.org/10.1111/j.1468-2443.2009.01099.x.

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45

Морозко, Н. И., and Н. И. Морозко. "Business financing based on modern financial technologies." Management and Business Administration, no. 1 (April 9, 2024): 149–57. http://dx.doi.org/10.33983/2075-1826-2024-1-149-157.

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Выявлены проблемы финансирования бизнеса в условиях ограниченных финансовых ресурсов и повышенных процентных ставок. Сделан акцент на методах привлечения финансовых ресурсов на основе коллективных ресурсов для решения операционных и инвестиционных задач. Раскрыты характерные черты коллективного финансирования, включающие наличие четкой цели; прозрачность; ограниченный период времени на сбор средств; наличие рисков. Выделены основные направления развития современных финансовых технологий, в рамках которых складываются тренды и тенденции финансового сектора основывающихся на расширении финансовых возможностей. Развитие финансовых технологий включает ряд направлений: автономные финансы; биометрические системы безопасности; голосовые технологии; расширение функционала приложений; финансовые экосистемы, блокчейн-технологии. Отмечается, что технология блокчейн позволяет не только стартапам, но и давно существующим компаниям осуществлять финансирование посредством выпуска первоначальных размещений монет (ICO), первоначальных биржевых предложений (IEO), первичных предложений DEX, DEX (IDO). Problems of business financing in conditions of limited financial resources and high interest rates are identified. Emphasis is placed on methods of attracting financial resources based on collective resources to solve operational and investment problems. The characteristic features of collective financing are revealed, including the presence of a clear goal; transparency; limited period of time to raise funds; presence of risks. The main directions of development of modern financial technologies are identified, within the framework of which trends and tendencies of the financial sector are emerging based on the expansion of financial opportunities. The development of financial technologies includes a number of areas: autonomous finance; biometric security systems; voice technologies; expansion of application functionality; financial ecosystems, blockchain technologies. It is noted that blockchain technology allows not only startups, but also long-established companies to carry out financing through the issuance of initial coin offerings (ICO), initial exchange offerings (IEO), initial offerings of DEX, DEX (IDO).
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Liu, Hao, and Weilun Huang. "Sustainable Financing and Financial Risk Management of Financial Institutions—Case Study on Chinese Banks." Sustainability 14, no. 15 (August 8, 2022): 9786. http://dx.doi.org/10.3390/su14159786.

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This study examines the relationship between sustainable financing and financial risk management of Chinese financial institutions, using data from Chinese banks. Financial risk management is a comprehensive measure of operating performance, asset quality and capital adequacy ratio. The structural vector auto-regression model determines the relationship between two variables. The positive shock of sustainable financing business negatively impacts the financial risk management of banks. In contrast, positive shock of banks’ financial risk management positively affects sustainable financing. Further subdivision of the sample revealed that sustainable financing does not always negatively impact the financial risk management of large state-owned banks. However, the positive shock of financial risk management reduces urban banks’ green credit proportions. The results are consistent whenever compared between the empirical outcome of the entire sample and the sample consisting of national joint stock bank accounts. This comparison helps eliminate the possibility of a biased outcome as a major portion of the sample is from a national joint-stock bank account. Apart from data limitations, the results of the sub-sample test are influenced due to the difference in deposit and loan interest rates, as well as different ownership structures of banks.
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47

Kislitsyn, D. V. "Financial literacy training programs and financial behaviour: Why people do not become “financially literate”?" Voprosy Ekonomiki, no. 9 (September 5, 2020): 80–93. http://dx.doi.org/10.32609/0042-8736-2020-9-80-93.

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The paper takes a critical view on the prevalent approaches to developing financial literacy programs. It has been shown that meta-analytical and review studies indicate low efficiency of financial literacy improvement programs: their effect on financial behavior is either statistically insignificant or statistically significant, but practically negligible. Among potential reasons of financial literacy programs low efficiency the role of behavioral factors in financial decision making and the impossibility of determining “financially literate” behavior from the perspective of an outside observer are considered. It is concluded that the currently dominant criteria for assessing financially competent behavior can be characterized either as procedural, within which not the consequences of financial decisions are considered, but how consciously they are taken, or as normative, within which the government differentiates the consumers attitudes into wrong and right. Both groups of criteria are based on a non-economic understanding of rationality.
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Kibunja, Philip Njau, and Olanrewaju Isola Fatoki. "Effect Of Debt Financing On Financial Performance Of Listed Non-Financial Firms In Kenya." Archives of Business Research 8, no. 7 (August 8, 2020): 485–96. http://dx.doi.org/10.14738/abr.87.8741.

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This study sought to examine the effect of debt financing on the financial performance of non-financial firms listed on the Nairobi Securities Exchange in the five-year period 2013 to 2017. Using a sample of 23 listed non-financial firms data was collected from published financial statements of the sampled firms and analysed statistical using the panel data regression method. The independent variables were short-term, medium term and long-term debt while the explained variable was return on equity. Three control variables, firm size, sales growth and growth opportunities, were included and considered as having an effect on the relationship between the independent and dependent variables. The study results observed that medium-term debt had a negative and statistical significant relationship with return on equity. Long-term debt had a positive but statistically insignificant relationship while short-term debt had a negative relationship with return on equity.
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Luby, M. J. "Financing Suburbia: How Chicago Suburban Financial Managers Shape the Financial Health of Their Communities." Journal of Public Administration Research and Theory 24, no. 2 (November 5, 2013): 526–31. http://dx.doi.org/10.1093/jopart/mut052.

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Ganesh-Kumar, A., Kunal Sen, and Rajendra R. Vaidya. "Does the source of financing matter? Financial markets, financial intermediaries and investment in India." Journal of International Development 14, no. 2 (2002): 211–28. http://dx.doi.org/10.1002/jid.873.

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