Journal articles on the topic 'Money management techniques'
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Moses Ololade, Babatunde, Rafiu Oyesola Salawu, and Olaide Olufolayemi Olatunji. "Risk management and performance of deposit money banks in Nigeria: A re-examination." Banks and Bank Systems 18, no. 2 (May 26, 2023): 113–26. http://dx.doi.org/10.21511/bbs.18(2).2023.10.
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Risks inherent in banking businesses should be managed to prevent financial losses to the sector’s stakeholders and negative externalities to the global economy. To this end, this study examines the effect of risk management on the performance of deposit money banks in Nigeria. A sample of eight (8) deposit money banks with international authorization are purposively selected out of 12 deposit money banks due to data availability. Panel data analysis techniques were adopted to analyze the secondary data that were obtained from the annual reports of banks. Findings based on the disaggregated model results reveal that both liquidity and capital risk variables exert a negative but insignificant effect on performance. However, credit risk drives performance of the internationally authorized banks positively and significantly. Furthermore, Management quality (MQ) is the only control variable that has a significant influence on the performance of the selected deposit money banks. The study concludes that credit risk and management quality significantly and positively drive performance among the financial entities.
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Christofi, Andreas C., Peter Harris, Ioannis N. Kallianotis, John Malindretos, and Moschos Scoullis. "Stock Picking Techniques: The Practice Of Applied Money Managers." Journal of Business & Economics Research (JBER) 14, no. 1 (January 14, 2016): 1–6. http://dx.doi.org/10.19030/jber.v14i1.9551.
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This study examines the diverse methods practitioners of money management use in order to choose stock investments. The authors discover they use discounted cash flow, multiples, balance sheet approaches. Additionally, they consider industry forces such as demographics and psychographics.
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Lesminda, Ester, and Rochmawati Rochmawati. "Pengaruh Uang Saku, Teman Sebaya, Lingkungan Sekitar Terhadap Pengendalian Diri Mahasiswa Dalam Pengelolaan Keuangan Di Era Covid-19." Jurnal Pendidikan Akuntansi (JPAK) 9, no. 2 (July 31, 2021): 158–67. http://dx.doi.org/10.26740/jpak.v9n2.p158-167.
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Student self-control when managing finances today is dependent on pocket money, peers, and the surrounding environment. In terms of managing finances, students need to control themselves with three factors, namely; Pocket money, Peers, and The Neighborhood. This study aims to find out the influence of pocket money, peers, and the surrounding environment as variable moderators. This research uses quantitative research. Data collection using questionnaires with a population of 100 undergraduate students from various universities in Indonesia. Sample techniques that will be used Simple Random Sampling Techniques, with the criteria used are undergraduate students who are still active in lectures. The data analysis used is multiple linear analysis. The results prove 1) pocket money significantly negatively affects students' self-control in financial management 2) Peers significantly positively affect financial management 3) The surrounding environment has a significant positive influence on students' self-control. The results showed that pocket money, peers, and the surrounding environment simultaneously have a significant influence on students' self-control in financial management in the era of covid-19.
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Payne, James E., and Bradley T. Ewing. "Money Market Rate Variability And The Velocity Of Money: Some International Evidence." Journal of Applied Business Research (JABR) 14, no. 2 (September 1, 2011): 75. http://dx.doi.org/10.19030/jabr.v14i2.5716.
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<span>This paper re-examines the Friedman hypothesis that uncertainty about the future course of money supply growth influences velocity by focusing on the relationship between interest rate variability and the income velocity of money in nine industrialized countries. As an indicator of the stance of monetary policy, we use the money market rate. Cointegration and error-correction modeling techniques are used to test the hypothesis that the variability of the money market rate impacts velocity. Eight of the nine countries studied exhibit a statistical relationship between the variability of the money market rate and the income velocity of money.</span>
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Mpuchane, Thatayaone, and Tapiwa Gande. "Development Financial Institution (DFI) Employees’ Awareness and Perceptions of Anti-Money Laundering (AML) Practices and Cybersecurity Techniques." European Scientific Journal, ESJ 19, no. 10 (April 29, 2023): 1. http://dx.doi.org/10.19044/esj.2023.v19n10p1.
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The purpose of this study was to assess employees’ perceptions of anti-money laundering practices at the National Development Bank in Botswana. The study used a quantitative approach. A population of 84 respondents who are employees of a development financial institution (DFI), the National Development Bank (NDB) of Botswana was sampled in this study. Out of these, 36 respondents were selected through a stratified random sampling method to ensure representation in all strata. A self-administered questionnaire was used to collect data. The study found that employees of National Development Bank understand the concept of money laundering and the stages involved in money laundering. Secondly, the study established that the main causes of money laundering were corruption, politicians and prominent person’s influence, and weak banking and financial systems. Thirdly, the study established that money laundering is harmful to the economy in different ways that include increased national crime, increased corruption, and negative effects on the economy. The study recommended that the management of NDB should adopt anti-money laundering/ combating/ counter-terrorism financing (AML/CFT) regulations laid out by regulating bodies including those of the Financial Action Task Force (FATF), Bank of Botswana and the Financial Intelligence Agency (FIA). In addition to this, the bank management should expose its employee to continuous knowledge of ML/FT through in-house training and external workshops with other industry stakeholders. The bank should also adopt a robust record management system that is able to capture all transactions taking place within it. The system should be robust enough to flag suspicious ML/FT activities taking place through transactions carried out within the bank.
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Megasari, Is Rianda. "PEMBELAJARAN PENGELOLAAN KEUANGAN ORANG TUA, UANG SAKU, DAN HASIL BELAJAR TERHADAP LITERASI KEUANGAN DI SMK PGRI 3 SIDOARJO." JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN 2, no. 1 (March 18, 2017): 116. http://dx.doi.org/10.26740/jepk.v2n1.p116-129.
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This research purposed to analyze the influence of parental financial management learning on learning outcomes, pocket money on learning outcomes, parental learning financial management on financial literacy, allowance on financial literacy, the result of learning on financial literacy. Population of this research a student of class XI Accountancy is 168 student and the sample is 118 student. The methods of data collection is questionnaire, documentation and analysis techniques used SEM. The results showed learning financial management parental influence learning outcomes, pocket money has no effect learning outcomes, learning financial management of the parents has no effect financial literacy, money pocket effect financial literacy, learning outcomes influence financial literacy
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Wonar, Klara, Masdianah Masdianah, Adolf Z. D. Siahay, Bill J. C. Pangayow, Hesty T. Salle, and Novalia H. Bleskadit. "The Effect of Transparency, Accountability, and The Concept of Value for Money on Public Sector Financial Management At The Regional Financial And Asset Management Agency (BPKD) Papua Province." Journal of Economic, Bussines and Accounting (COSTING) 7, no. 4 (May 28, 2024): 7508–16. http://dx.doi.org/10.31539/costing.v7i4.9868.
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This research aims to determine the influence of transparency, accountability, and the concept of value for money on public sector financial management at BPKAD Papua Province. This type of research is associative. The sample in this study was 50 state civil servants in the secretariat sector, budget sector, district/city financial development sector, regional treasury and cash sector, regional asset management sector, and accounting sector. The data sources used in this research are primary data and secondary data. Data collection techniques using questionnaire data. The data analysis techniques used in this research consist of descriptive statistical tests, validity tests, reliability tests, normality tests, multicollinearity tests, heteroscedasticity tests, multiple linear regression analysis tests, t-tests, f-tests, and coefficient of determination tests using applications. IBM SPSS version 23. The research results show that the variables of transparency, accountability, and the concept of value for money have a positive and significant effect on public sector financial management at BPKAD Papua Province. Keywords: Transparency Value, Accountability, Value for Money Concept, Financial Management in the Public Sector
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Barone, Raffaella, and Donato Masciandaro. "Cryptocurrency or usury? Crime and alternative money laundering techniques." European Journal of Law and Economics 47, no. 2 (February 13, 2019): 233–54. http://dx.doi.org/10.1007/s10657-019-09609-6.
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Wany, Eva, Sarah Yuliarini, and Pratiwi Dwi Karjati. "Determinant of love of money and organization ethics environment implication to earnings management behavioural perceives." HOLISTICA – Journal of Business and Public Administration 9, no. 3 (December 1, 2018): 27–32. http://dx.doi.org/10.2478/hjbpa-2018-0020.
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Abstract This study which aims to test the effects of love of money and the ethical environment of the organization on perception of earnings management behavior with 2x2 factorial experimental research with quasi experiment design. Data collection techniques that used in this study was questionnaire and distributed to participants in university. The result showed that, there are differences among individuals in who has a high levels of love of money and a low levels of love of money in perception of earnings management behavior; and there are differences between a company’s condition that has a high internal control elements (organizational ethical environment) and in company condition where there is no internal control elements (organizational ethical environment) is low in perception of earnings management behavior; and there are interaction between love of money and ethical environment of the organization on perception of earnings management behavior.
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Syafira, Astika Julia, Harijanto Sabijono, and Priscillia Weku. "EVALUASI PENERAPAN SISTEM DAN PROSEDUR PENERBITAN SURAT PERINTAH MEMBAYAR UANG PERSEDIAAN PADA BADAN PENANGGULANGAN BENCANA DAERAH KOTA BITUNG." GOING CONCERN : JURNAL RISET AKUNTANSI 15, no. 2 (March 10, 2020): 204. http://dx.doi.org/10.32400/gc.15.2.28191.2020.
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The aim of this research is to know whether the system and procedures for issuing warrants paying the money supply at The Bitung Emergency Management Agency (BPBD), was suitable with The Regulation of the Minister of Home Affairs No. 21 of 2011 about regional financial management. This type of research is descriptive with qualitative approach. The data collecting techniques done were interview and documentation. The steps taken to analyze the acquired data was done is evaluate the application of the system and procedure for issuing warrants paying the money supply based on The Regulation Of The Minister Of Home Affairs No. 21 of 2011. The results showed that the system and procedures for issuing warrants paying the money supply at The Bitung Emergency Management Agency was suitable with The Regulation of the Minister of Home Affairs No. 21 of 2011. It is recommended that the leadership of The Bitung Emergency Management Agency improve and maintain the systems and procedures for the issuance of cash money supllies, especially the issuing warrants paying the money supply.
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Remeikienė, Rita, Ligita Gasparėnienė, Özlem Yorulmaz, Greta Gagytė, and Gabriela Menet. "IS MONEY LAUNDERING THE MAIN FUNDING SOURCE FOR CIGARETTE SMUGGLING IN (NON) EUROPEAN COUNTRIES?" Business: Theory and Practice 23, no. 1 (May 10, 2022): 198–207. http://dx.doi.org/10.3846/btp.2022.14820.
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Money laundering is the process of hiding or disguising the unlawful origin of property and hiding or disguising the true nature, origin, source, location, disposal, ownership or title of property. In other words, money laundering means “laundering” dirty money until it becomes clean. Corrupt officials and other criminals use money laundering techniques to hide the true nature of their income. Research shows that cigarette smuggling is linked to money laundering. The purpose of the article is to determine how money laundering is related to cigarette smuggling and which public authorities have a key role in combating these phenomena in Georgia and Serbia. Methods used in the study: literature analysis and focus group methodology. In addition, the EU member states were clustered into three categories by their HDI, CPI, GDP per capita and transaction reports indicators. Clustering indicated that the states attributed to the third cluster are most vulnerable to money laundering. An effective factor in the fight against smuggling is to increase the population’s intolerance to illicit goods and services, therefore, it will seek to extend the empirical study to the population’s perspective on money laundering and cigarette smuggling.
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Kumalasari, Dwi, and Muhadjir Anwar. "Financial Knowledge Moderating The Effect Of Money Attitude On Personal Financial Management Behavior Of Students." Economos : Jurnal Ekonomi dan Bisnis 5, no. 3 (December 31, 2022): 225–32. http://dx.doi.org/10.31850/economos.v5i3.2046.
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Attitude towards money or what is often called money attitude is an individual's perception of money based on his state of mind. This study aims to determine the level of personal financial management of students which influenced by attitudes with financial knowledge as a moderation medium. The research method used in this study was a quantitative method. Undergraduate students of Management Study Program in the UPN "Veteran" Jawa Timur were chosen by the researcher to be the population of this study. The proportionate stratified random sampling method was chosen by the researcher as a sampling technique with 108 students was respondents. Distribution of questionnaires is a data collection method used in this study. Data analysis and processing techniques used Partial Least Square (PLS) with WarpPLS 7.0 software. which produces information that money attitude had a significant effect on personal financial management behavior and also proves that financial knowledge is able to moderate the effect of these two variables.
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Shbeilat, Mohammad K., and Rateb Mohammad Alqatamin. "Challenges and forward-looking roles of forensic accounting in combating money laundering: Evidence from the developing market." Journal of Governance and Regulation 11, no. 3 (July 22, 2022): 103–20. http://dx.doi.org/10.22495/jgrv11i3art10.
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The spread of money laundering operations and their negative effects on the national economy is a global challenge. Jordan, in which the overall risk of money laundering was assessed to be high (National Anti-Money Laundering and Terrorism Financing Committee [NAMLTFC], 2020), aims to intensify efforts to combat money laundering operations. This study shed light on the role of forensic accountants in combating money laundering, in addition to highlighting potential obstacles they face in performing their duties. The study employed a concurrent mixed method approach that data collection for both the questionnaire and the interviews was conducted simultaneously. The analysis of the study revealed that forensic accounting techniques contribute to combating money laundering operations. The findings also suggest that to better achieve this goal, forensic accountants must be familiar with contemporary techniques in data collection, process, and analysis. In addition, the study revealed several obstacles that limit the desire to work as forensic such as the disproportion of fees with the effort expended especially when the litigation period extends for several years, and loss of time due to non-attendance of witnesses to court. Given that draft companies law mandates companies to declare the real beneficiaries, regulators can invest the insights gained from this study to enhance anti-money laundering cooperation with the International Federation of Accountants (IFAC) by considering giving auditors greater power in examining related-party transactions (IAASB, n.d.) to better identifying real beneficiaries.
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Teichmann, Fabian Maximilian, and Marie-Christin Falker. "Money laundering through consulting companies." Journal of Financial Regulation and Compliance 28, no. 3 (April 20, 2020): 485–500. http://dx.doi.org/10.1108/jfrc-07-2019-0091.
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Purpose The purpose of this paper is to illustrate how illegally obtained funds are laundered by employment of consulting companies in Austria, Germany, Liechtenstein and Switzerland. Design/methodology/approach A qualitative content analysis of 28 semi-standardized expert interviews with both criminals and prevention experts, and a quantitative survey of 200 compliance officers led to the identification of concrete money-laundering techniques involving the employment of consulting companies. Findings Consulting companies continue to be used for money laundering in European German-speaking countries, especially in the layering and integration stages of the money laundering process, during which the origins of funds are concealed, and the money is integrated into the legal economy. Research limitations/implications Qualitative findings from the analysis of semi-standardized interviews are limited to the 28 interviewees’ perspectives. Practical implications Identification of gaps in existing anti-money-laundering mechanisms provides compliance officers, law enforcement agencies and legislators with valuable insights into how criminals operate. Originality/value The existing literature focuses on organizations that combat money laundering and the improvement of anti-money-laundering measures. This paper outlines how money launderers avoid detection. Both preventative and criminal perspectives are considered.
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Dada, Samuel Ajibade, Olusola Esther Igbekoy, and Muyiwa Emmanuel Dagunduro. "Effects of Forensic Accounting Techniques and Corporate Governance on Financial Performance of Listed Deposit Money Banks in Nigeria." International Journal of Professional Business Review 8, no. 10 (October 16, 2023): e03547. http://dx.doi.org/10.26668/businessreview/2023.v8i10.3547.
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Purpose: This study aimed to investigate the effect of forensic accounting and corporate governance on the financial performance of listed deposit money banks in Nigeria. Theoretical framework: This study drew upon Agency Theory, to provide a theoretical foundation for examining the governance of a company and the conflicts of interest that arise among its shareholders, managers, and major debt providers. This was introduced to support the concepts of forensic accounting and corporate governance. Design/ Methodology/Approach: This study employed ex-post facto and panel data research designs. This study obtained data from the annual audited reports of deposit money banks that were listed in Nigeria. The study focused on a population of fifteen (15) deposit money banks listed on the Nigerian Exchange Group (NGX). The study employed a purposive sampling technique to select ten (10) firms due to the availability of a complete dataset of the targeted population. This study covered a period of eleven years from the year 2012 to 2022. The collected data in this study underwent analysis using both descriptive statistics and panel regression analysis techniques. Findings: The results found that forensic accounting and corporate governance had a significant effect on the financial performance of listed deposit money banks in Nigeria. This implies that these factors interact and contribute significantly to the banks' financial performance. Conclusion: It was concluded that fraud case disclosure highlights the significance of transparency and reporting mechanisms in deterring fraudulent activities and safeguarding banks' financial performance. Recommendation: The study recommends that deposit money banks should prioritize and improve the disclosure of fraud cases and mitigate fraud and other financial irregularities occurrences in order to cushion its adverse effects on financial performance and foster investor confidence.
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Shofy, Dhiyausy Syamsi Ash, and Kholilah Kholilah. "Management Behavior of Online Users: Testing the Role of Financial Literacy as a Moderating Variable." Jurnal Akuntansi Bisnis 22, no. 1 (April 4, 2024): 80–99. http://dx.doi.org/10.24167/jab.v22i1.11695.
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This research was conducted to examine the Influence of Pocket Money, Financial Self-Efficacy, Self-Control, and Religiosity on the Financial Management Behavior of Online Loan Users with Financial Literacy as a Moderation Variable. Criteria for sample selection in this study include students who are currently or have taken financial management courses at the Faculty of Economics at Universitas Islam Negeri Maulana Malik Ibrahim Malang. Data collection techniques used a questionnaire. The total sample used in this study was 106 respondents using the non-probability sampling method, namely purposive sampling. This research used a quantitative analysis approach using Partial Least Square (PLS). The results show that pocket money, self-control, and religiosity affect financial management behavior. Beside it, financial self-efficacy does not affect financial management behavior. Financial literacy does not moderate the influence of pocket money, financial self-efficacy self-control, and religiosity on financial management behavior.
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Yang, Shenggang, and Lai Wei. "Detecting money laundering using filtering techniques: a multiple‐criteria index." Journal of Economic Policy Reform 13, no. 2 (June 2010): 159–78. http://dx.doi.org/10.1080/17487871003700796.
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Umoru, David, Solomon Edem Effiong, Malachy Ashywel Ugbaka, Danjuma Iyaji, Enyinna Okpara, Chineleobi Chris Ihuoma, Olawale Hezekiah Tedunjaiye, Ehis Taiwo Omoluabi, and Oseni Hussein Omomoh. "Evaluating structural relations between money demand and its determinants." Corporate Governance and Organizational Behavior Review 7, no. 2 (2023): 71–95. http://dx.doi.org/10.22495/cgobrv7i2p7.
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The relationship between money demand and specific macroeconomic predictors has been explained by a number of money demand theories. Panel structural vector autoregressive (SVAR) and generalized autoregressive conditional heteroskedasticity (GARCH) techniques were deployed to analyze the data on money demand with lag adjustment in relation to inflation uncertainty, interest rate variations, household consumption, and exchange rate depreciation in Africa. The study which covers 30 African nations discovered a two way relationship between money demand and price level variation. While higher prices would increase demand for money, the same demand also influences changes in a nation’s price level, such that in the long run, inflation would result from more money held by economic units. With a standard deviation of 5.51, Guinea had the most erratic money demand, followed by Sierra Leone at 5.29. A variance of inflation uncertainty ranged from 9.45 percent to an extremely high proportion for Congo. Exchange rate devaluation is found to be considerably impactful in determining money demand. Results show that as more of the units of the local currency is used to exchange a unit of foreign currency such as the dollar, local economic units are discouraged to increase demand for money in local money and thus hold fewer local currencies while investing in foreign exchange investments
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Kalechi, Ekoeng, and Ịheanechọ Jemielu. "The Effect of Human Resource Management Practices on Deposit Money Bank Employee Productivity." Journal Dimensie Management and Public Sector 2, no. 3 (June 10, 2021): 22–29. http://dx.doi.org/10.48173/jdmps.v2i3.110.
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The research studied the impact of human resource management techniques on the productivity of Nigerian deposit money institutions. The information for this research came from structured questions that were delivered to chosen deposit money institutions in Yola Metropolis. There were 193 questionnaires distributed in all, however only 166 were successfully recovered and examined. In order to estimate the effects of human resource management practice on employee productivity in the selected organization, the study used descriptive statistics and the multiple regression technique. The correlation coefficient was also used to test the extent to which human resource management is related to employee productivity. Human resource planning (HRP), recruitment and selection (RS), staff training and development (TRD), and performance appraisal (PA) were found to have a positive impact on employee productivity in the selected deposit money banks in Nigeria and were properly signed, implying that they were in line with the study's theoretical expectations. At the 5% level, the F-statistics 5.242014, which examined the combined significance of the parameter estimations, was deemed statistically significant, as evidenced by the associated probability value of 0.025272. This means that in the chosen deposit money institutions in Nigeria, all of the model's variables were jointly and statistically significant in determining employee productivity. Finally, this study found that human resource management practices in Nigerian deposit money institutions had a favorable and substantial impact on employee productivity
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Nwobodo, Helen, Samuel Dada, and Ayodeji Ajibade. "EFFECT OF CREATIVE ACCOUNTING PRACTICES ON CREDIT RISK MANAGEMENT OF SELECTED DEPOSIT MONEY BANKS QUOTED IN NIGERIA." International Journal of Advanced Research in Accounting, Economics and Business Perspectives 7, no. 1 (February 2, 2023): 77–93. http://dx.doi.org/10.48028/iiprds/ijaraebp.v7.i1.07.
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Sound credit risk management is one of the criteria for deposit money banks to carry out efficient financial intermediation in developed, emerging and developing economies including Nigeria. However, the manipulation of bank financial data by fraud utilizing inventive accounting techniques led to the poor credit risk management and collapse of deposit money institutions in Nigeria. The objective of the study is to examine the effect of creative accounting practices (cash assets structure, equity capital structure, loan structure, deposit liability and accrual quality) on credit risk management of selected deposit money banks quoted in Nigeria. The population of the study comprised of all the nineteen (19) listed deposit money banks as at December, 2021 while a targeted random sampling technique was adopted to select the sample size of seven (10) failed banks and seven (7) surviving deposit money banks listed in Nigeria Stock Exchange (NGX). Ex post facto research design was adopted using dataset for the period 2006–2021 which were collated from the annual reports and financial statements of the listed deposit money banks. The data collected were analyzed using mean scores and Panel Regression Model method. The analysis revealed that for surviving banks, creative accounting had a significant influence on credit risk management (Adj.R2 = 0.182, Wald-Test= 4.44 :p < 0.05). Therefore, the study recommended that the management team of the banks should ensure that credit portfolio of the deposit money banks is prudently managed to grow year on year in the right mix and without contravening the statutory guidelines to avoid bad and doubtful loan classifications so as to achieve sound credit risk management.
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Harris, Daniel A., Kyla L. Pyndiura, Shelby L. Sturrock, and Rebecca A. G. Christensen. "Using real-world transaction data to identify money laundering: Leveraging traditional regression and machine learning techniques." STEM Fellowship Journal 7, no. 1 (December 1, 2021): 21–32. http://dx.doi.org/10.17975/sfj-2021-006.
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Money laundering is a pervasive legal and economic problem that hides criminal activity. Identifying money laundering is a priority for both banks and governments, thus, machine learning algorithms have emerged as a possible strategy to detect suspicious financial activity within financial institutions. We used traditional regression and supervised machine learning techniques to identify bank customers at an increased risk of committing money laundering. Specifically, we assessed whether model performance differed across varying operationalizations of the outcome (e.g., multinomial vs. binary classification) and determined whether the inclusion of investigator-derived novel features (e.g., averages across existing features) could improve model performance. We received two proprietary datasets from Scotiabank, a large bank headquartered in Canada. The datasets included customer account information (N = 4,469) and customers’ monthly transaction histories (N = 2,827) from April 15, 2019 to April 15, 2020. We implemented traditional logistic regression, logistic regression with LASSO regularization (LASSO), K-nearest neighbours (KNN), and extreme gradient boosted models (XGBoost). Results indicated that traditional logistic regression with a binary outcome, conducted with investigator-derived novel features, performed the best with an F1 score of 0.79 and accuracy of 0.72. Models with a binary outcome had higher accuracy than the multinomial models, but the F1 scores yielded mixed results. For KNN and XGBoost, we observed little change or worsening performance after the introduction of the investigator-derived novel features. However, the investigator-derived novel features improved model performance for LASSO and traditional logistic regression. Our findings demonstrate that investigators should consider different operationalizations of the outcome, where possible, and include novel features derived from existing features to potentially improve the detection of customers at risk of committing money laundering.
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LeSage, James P., and Andrew Solocha. "The Impact Of Weekly Money Supply Announcements ON Stock Market Returns: A Multiprocess Mixture Model Approach." Journal of Applied Business Research (JABR) 9, no. 3 (September 29, 2011): 100. http://dx.doi.org/10.19030/jabr.v9i3.6045.
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This study provides evidence concerning the impact of anticipated and unanticipated components of the weekly money supply announcements on stock market returns in the United States and Canada on the date after the announcement. The innovative aspect of this study is the use of a multiprocess mixture model recently proposed by Gordon and Smith (1990) for modeling time series that are subject to several forms of potential discontinuous change and outliers. The technique involves running multiple models in parallel with recursive Bayesian updating procedures which extend the standard Kalman filter. The results provide strong evidence in favor of the efficient markets hypothesis that only the unanticipated component of the money supply announcement influences the stock market returns in both the United States and Canada.The use of OLS estimated in the present study produces results which suggest that both anticipated and unanticipated components of the money supply announcement exert a statistically significant influence on stock market returns in both countries. In contract, the multiprocess mixture model estimation method produces results which support the efficient markets hypothesis. The difference in findings between OLS and multiprocess estimation methods is attributed to the ability of the multiprocess techniques to model discontinuous structural shifts in the parameters and accommodate outliers in the stock return-weekly money relationship. The multiprocess mixture method provides evidence that numerous discontinuities and outliers exist in the stock market returns-weekly money relation and produces posterior probabilities for the multiple models running in parallel. These probabilities suggest that the OLS model has low posterior probability relative to the structural shift and outlier models which suggest poor inferences regarding the significance of anticipated and unanticipated money arise from the use of OLS estimation techniques.
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Ismaulina, Ismaulina, Nanda Arva, and Asma Savitri. "Manajemen Pengelolaan Modal Pedagang Pasar Tradisional (Studi Kasus di Pasar Impres Kota Lhokseumawe)." Indo-Fintech Intellectuals: Journal of Economics and Business 3, no. 2 (September 21, 2023): 397–411. http://dx.doi.org/10.54373/ifijeb.v3i2.276.
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The purpose of this study was to find out and describe "Capital Management of Traditional Market Traders at the Pasar Impres in Lhokseumawe town". The capital was obtained from money gathering activities (arisan). The problem is how to manage the capital of traditional market "pasar impres" traders in the Lhokseumawe town? This study used a descriptive qualitative method where data collection techniques were carried out through interviews and observation. The results of this study indicate that the low educational factor causes many traditional market traders to lack understanding of capital management issues and many traders to be less concerned about adding business capital from the "arisan" they have participated in. Some traders use the money for personal gain, and some other traditional market traders use it for additional business capital. So, the field of capital management turns out that it is not enough to show good management, this can be seen from the "arisan" money earned is not used to develop other businesses.
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Kokashvili, Nanuli, Merabi Vanishvili, and Maka Sosanidze. "Financial capabilities and behavior of the population in Georgia: challenges and perspectives." InterConf, no. 42(189) (February 20, 2024): 90–99. http://dx.doi.org/10.51582/interconf.19-20.02.2024.009.
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The article, based on the latest literary sources and rich factual materials, analyzes the peculiarities of the financial behavior of the population in Georgia, defines the segmentation of the Georgian population according to financial ability and money management style. Six segments of Georgian population are represented according to financial capabilities. These segments are grouped under three corresponding socioeconomic statuses. Last three segments are grouped under the socioeconomic status of financially adapted and it comprises 28.3% of Georgian population. Another two segments are grouped under the socioeconomic status of more or less financially adapted and it comprises 35.9% of Georgian population. The remaining segment, i.e. 32.4% of Georgian population, has socioeconomic status of being into financial hardship. We used 23 theses (related to a money management) for in-depth analysis of techniques of money management that are widely-spread in Georgian population. We analyzed conclusions of above-mentioned theses and identified the following 6 segments of Georgian population according to the style of money management: financially responsible (34%); with financial fears (22%); with business thinking (12%); burdened with debts (16%); wasteful (11%) and "shopaholic" (5%).
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Mahasanti, Putu Dyana Puspaka, and Nadia Asandimitra. "Analysis of the Implication of Factors Affecting Gen Z E-Commerce Users’ Financial Management Behavior." International Journal of Multicultural and Multireligious Understanding 11, no. 5 (May 7, 2024): 282. http://dx.doi.org/10.18415/ijmmu.v11i5.5691.
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This study aims to examine the factors that can influence financial management behavior of Gen Z in Surabaya. This study used quantitative methods and was sourced from primary data obtained from 300 respondents. The characteristics of respondents include part of Gen Z aged 19-26 years, using fintech, and using e-commerce. Then the data is processed using AMOS 25 software with Structural Equation Modeling (SEM) techniques. The resulting findings show that financial attitude, emotional quotient, and financial technology have a significant positive effect. This is because a good financial attitude will shape good financial behavior such as maintaining savings habits as well as recording expenses regularly. Apart from having a good view of finances, someone who has high emotional intelligence will easily manage money and motivate themselves to achieve financial prosperity in the future. Not only internal factors, technological modernization such as fintech will also make it easier to process transactions, record expenses and pay bills on time. While hedonism lifestyle and love of money show a significant negative effect. This is because someone who has a hedon lifestyle will more often waste money on consumption so their money management will be bad. In addition, someone who has a high love for money will result to greed and materialistic behavior. However, the gender variable produced findings of an insignificant influence on financial management behavior.
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Merdiaty, Netty, and Neil Aldrin. "Analyzing the effect of resilience on burnout with bindfulness as a mediator." International Journal of Research in Business and Social Science (2147- 4478) 9, no. 5 (September 18, 2020): 109–15. http://dx.doi.org/10.20525/ijrbs.v9i5.820.
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The analysis aims to empirically the role of resilience towards burnout through mindfulness in money management firms in Jakarta-Indonesia. The participants of this study were 250 workers from the money management company in Jakarta-Indonesia. The method of data assortment uses the instrument burnout scale, resiliency scale, and mindfulness scale. Variable intervening is employed to realize direct and indirect influence. Information analysis techniques in analysis exploitation the ways of applied statistical descriptive and exploitation Amos version twenty-four. There are four hypotheses projected during this study. The results showed that the role of mindfulness important as a go-between to reduced burnout
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Fadila, Dewi, Yesita Astarina, Dwi Riana, Septini Kumalaputri, and Melisa Kurnia Asfitri. "Financial Literacy and Love of Money Attitude toward Financial Management." Asean International Journal of Business 2, no. 2 (July 17, 2023): 116–26. http://dx.doi.org/10.54099/aijb.v2i2.607.
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Purpose – This study aims to determine the effect of financial literacy and attitudes love of money to financial management based on economic entity concept in UKM IKM Nusantara, Palembang City.Methodology/approach – This research is quantitative descriptive. The population in this study were 300 SMEs (Small Medium Enterprise) that are members of UKM IKM Nusantara. The sampling technique used is method purposive sampling and the criteria used in the study were SMEs that had joined as members of UKM IKM Nusantara for at least 3 years. The samples obtained in this study were 50 SMEs. This study uses primary data with data collection techniques using interviews, online questionnaires and observation.Findings – The results of this study indicate that as many as 84% of business actors in UKM IKM Nusantara who manage their finances have not implemented it economic entity concept. Furthermore, financial literacy has a significant positive effect on based financial management economic entity concept, where as love of money attitude does not affect the financial management based economic entity concept. Novelty/value – These findings indicate that SMEs need to have knowledge of financial management, especially based economic entity concept. This concept is a good financial management concept for SMEs to implement, especially in an effort to improve the best financial performance for SMEs.
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Rikayanti, Vivi Rikayanti, and Agung Listiadi. "Pengaruh Literasi Keuangan, Pembelajaran Manajemen Keuangan, dan Uang Saku Terhadap Perilaku Menabung." Jurnal Pendidikan Akuntansi (JPAK) 8, no. 3 (December 30, 2020): 117–24. http://dx.doi.org/10.26740/jpak.v8n3.p29-36.
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Each individual has different characteristics and tendencies of saving behavior, both from internal and external factors. This study aims to determine and analyze the effect of financial literacy, learning financial management, and pocket money, simultaneously and partially affect the saving behavior of students of Accounting Education, Faculty of Economics, State University of Surabaya. The type of research used in this research is quantitative research. Sampling using purposive sampling technique with a total of 119 students. The data collection techniques used were questionnaires and tests. While the data analysis technique used is multiple linear regression analysis with the help of the SPSS version 22.0 program. Based on the results of the data analysis, it shows that: (1) financial literacy, learning financial management, and pocket money simultaneously have a significant effect on saving behavior, (2) financial literacy has a significant effect on saving behavior, (3) financial management learning has a significant effect on behavior saving, (4) pocket money has a significant effect on saving behavior.
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Febriyanti, Herlinda Fitri, Silvi Delfiani, and Irdha Yusra. "Comparative Analysis of Open Position and Hedging Techniques in The Import Value Management of PT Pertamina (Persero)." Financial Management Studies 2, no. 4 (December 26, 2022): 32–42. http://dx.doi.org/10.24036/jkmk.v2i4.124.
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Fluctuations in currency exchange rates result in the value of the company's debt of import payment to be uncertain because any time may be changing. Companies can do hedge techniques to protect the value of the import debt or leave it in a state without the hedge. The purpose of this research is to know the value of the company's debt of import when using forward contract hedge, money market hedge, and open position and choose the most efficient method. This research uses import transaction data of PT Pertamina (Persero). The analysis technique used is the Wilcoxon Signed Ranks Test and calculation with Microsoft Excel. From this research, it is found that there is no difference in the average value of the company's import debt when using forward contract hedging technique with an open position. But there is a difference when using money market hedge technique with the open position. The result of the research is the value of import debt is more efficient when the company uses open position or without the hedge.
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R, C., Ike, and Anuolam M. O. "Risk Management and Sustainability of Deposit Money Banks in Nigeria." International Journal of Research and Innovation in Social Science VII, no. V (2023): 352–62. http://dx.doi.org/10.47772/ijriss.2023.70530.
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This study investigated the nexus between risk management and the sustainability of banks in Nigeria by means of expost-facto research design. Risk management measures of non-performing loan-to-total loans, loan-loss provision-to-total loans and bad debt-to-total loans and sustainability measure of equity-to-asset ratio of banks were obtained from the annual reports and accounts of banks and Central Bank of Nigerian statistical bulletin during the period 2007-2017. The data obtained were analyzed using both descriptive (mean, standard deviation, minimum, maximum values, normality and correlation tests) and inferential (linear regression) statistical techniques. Based on the analysis, a nexus between risk management measures (non-performing loan-to-total loans loan-loss provision-to-total loans and equity-to-asset ratio of banks) and sustainability measure (equity to asset ratio of banks) in Nigeria was found. On the basis of the findings, it was recommended among others that bank management as well as the regulatory framework of the banking subsector should devise risk management strategies or measures aimed at curbing or reducing the level of non-performing loans so as to further sustain banks and make them going concern. As a matter of fact and urgency, the loan loss provision of banks should be further reviewed such that banks are made to reduce their loan losses in every financial period.
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Hasugian, Fredo TSP, Ricky Ary Syahputra, and Aulia Rahman Harahap. "Pengaruh Akuntabilitas Keuangan Daerah, Value For Money, Kejujuran, Transparansi, Dan Pengawasan Terhadap Pengelolaan Keuangan Daerah (Studi Kajian Pada Pemerintah Kabupaten Labuhanbatu Pusat)." JURNAL MUTIARA AKUNTANSI 6, no. 2 (December 21, 2021): 175–85. http://dx.doi.org/10.51544/jma.v6i2.1997.
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This study aims to examine the influence of local financial accountability, value for money, honesty, transparency and supervision of local financial management. The sample of this research is all SKPD (Local Work Unit Unit) as user of budget related to regional finance management at Regency Government of Labuhanbatu amounting 36 SKPD and 36 Committing Officer of Commitment so amounted 72 person. Sampling method is census method, and data used is primary data. Data were collected by distributing the queryer directly submitted to the respondent. Data analysis techniques use path analysis with the help of SmartPLS 3 program. The results of this study show that value for money, honesty, transparency and oversight have positive and significant correlation to Regional Financial Management, while Regional Financial Accountability has negative and significant correlation to Regional Financial Management.
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Kusuma, Indra Lila, and Maya Widyana Dewi. "PENGELOLAAN PROGRAM RASKIN DITINJAU DARI VALUE FOR MONEY AUDIT UNTUK MENINGKATKAN KESEJAHTERAAN MASYARAKAT (STUDI KASUS DI KELURAHAN WILAYAH SURAKARTA)." Jurnal Manajemen Terapan dan Keuangan 6, no. 2 (October 20, 2017): 109–19. http://dx.doi.org/10.22437/jmk.v6i2.4050.
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This study aims to determine the management of Raskin program to improve the welfare of the community and management of Raskin program when viewed from the Value For Money Audit to improve the welfare of the community. This research is a descriptive qualitative research focused on one phenomenon that is chosen and want to be understood in depth by ignoring other phenomena, in this case that is management of raskin program. This study uses data analysis techniques in the form of data presentation techniques and analyzed based on economic calculation, efficiency and effectiveness. A collection of information is compiled, thus giving the possibility of drawing the conclusion of the form of presentation of qualitative data in the form of narrative text. To answer the problem formulation that is about the management of Raskin program from Value for Money Audit for the welfare of the community, the researcher uses some secondary data in the form of literature of literature derived from various sources related to the discussion that want to be studied in this research such as the report of APBD 2015 and 2016 region Surakarta, books, scientific journals, electronic media, and updated media. In addition, primary data were also obtained from interviews to Raskin recipients and Raskin managers at the Surakarta district level. The results of this study indicate that (1) Implementation of Raskin program management is in accordance with the provisions in Raskin General Guidelines, (2) Implementation of Raskin program management in terms of Value for Money Audit economics has been achieved, But when viewed from the side of Raskin program as a program from the government for alleviating the poverty of the community is clearly not going well because the funds budgeted for the community are not fully accepted by the community, (3) The implementation of Raskin program management in terms of the efficiency of Value for Money Audit has been achieved. But if we look at the side of the Raskin program, then this is considered not good because it is expected with the use of large funds it is expected that the funds can be discharged evenly to all poor families in Surakarta, (4) Implementation of Raskin program management in terms of effectiveness Value for Money Audit has been reached. Although there is still no perfect effectiveness value of any performance indicator in the management of Raskin program, because only the accuracy of price and accurate measurements are effective.
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Teichmann, Fabian Maximilian. "Recent trends in money laundering and terrorism financing." Journal of Financial Regulation and Compliance 27, no. 1 (February 11, 2019): 2–12. http://dx.doi.org/10.1108/jfrc-03-2018-0042.
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Purpose This paper aims to investigate how criminals launder money and finance terrorism through the financial system. Design/methodology/approach In total, 70 interviews were conducted with criminals and white-collar crime prevention experts, whose responses were subjected to qualitative content analysis. Based on the findings, a quantitative survey of 200 compliance officers was carried out. Findings The interviews and survey revealed concrete techniques of laundering money and financing terrorism through the financial services industry and its affiliates. Evidently, the compliance mechanisms aimed at preventing money laundering and terrorism financing can be easily circumvented. Research limitations/implications This study’s findings are limited to the perspectives of 70 interviewees. Hence, it is possible that a study with a larger sample conducted in different countries or at a different time could have yielded different results. Practical implications Identifying the concrete methods of laundering money and financing terrorism should provide both compliance officers and legislators with valuable insights into criminal activity. By better understanding the specific steps taken by criminals, compliance officers should be able to more effectively combat both money laundering and terrorism financing. Originality/value While prior literature focuses on the organizations and mechanisms involved in combating money laundering and terrorism financing, this paper instead explores how criminals avoid detection by taking into account existing compliance mechanisms and criminal perspectives.
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Sitko, Jacek. "Analysis of Performance Processes Material Management." Multidisciplinary Aspects of Production Engineering 3, no. 1 (September 1, 2020): 216–26. http://dx.doi.org/10.2478/mape-2020-0019.
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AbstractRegardless of unit production, mass production – an excellent production plan is always expected to combine the exact amount of materials at the right time with production cells and employees. An accurate production plan saves money by reducing production costs and time. It helps to achieve the goal and generate the best production plan. The article addresses the problems of material resource organization in industrial, mining and processing enterprises, affecting production efficiency. Particularly the problems of planning and preparation of unit, serial and mass production in relation to specific products. Depending on the nature of material consumption (basic or auxiliary materials), different planning methods and techniques are used.
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Fatimah, Linatul, and Siti Aminah. "Manajemen Layanan Khusus Unit Koperasi Berbasis E-Money pada Pondok Pesantren Modern di Jawa Timur." JIEMAN: Journal of Islamic Educational Management 3, no. 2 (December 21, 2021): 185–202. http://dx.doi.org/10.35719/jieman.v3i2.72.
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Manajemen layanan khusus unit koperasi berbasis e-money dibentuk untuk mempermudah dan memperlancar pembelajaran, serta dapat memenuhi kebutuhan peserta didik pada unit koperasi berbasis e-money. E-money sendiri bertujuan untuk memberikan manfaat dan kemudahan dalam pengelolaan keuangan dan pencatatan transaksi. Tujuan penulisan ini adalah untuk mendeskripsikan perencanaan, pengorganisasian, pelaksanaan, serta pengawasan dan evaluasi layanan khusus unit koperasi pada pondok pesantren modern di Jawa Timur. Penelitian ini menggunakan jenis penelitian kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data menggunakan observasi partisipasi yang pasif, wawancara semistruktur, dan dokumentasi. Hasil penelitian ini yaitu 1) Perencanaan unit koperasi berbasis e-money terdiri atas perencanaan jangka panjang seperti penerapan e-money dan menyempurnakan pembukuan keuangan dan perencanaan jangka pendek seperti penyelenggaraan rapat, meningkatkan usaha toko; 2) Pengorganisasian unit koperasi berbasis e-money terdiri dari rapat anggota tahunan, pengurus, pengawas, dan anggota; 3) Pelaksanaan unit koperasi berbasis e-money berwujud beberapa usaha yaitu usaha toko makanan dan seragam, laundry, dan wartel; 4) Pengawasan unit koperasi berbasis e-money dilakukan setiap hari dengan terjun langsung dan evaluasi yaitu laporan keuangan koperasi dalam bentuk print out. Kata Kunci: manajemen layanan khusus, koperasi, e-money Abstract A distinctive service management for e-money-based koperasi (economic enterprise) units was established to facilitate and assist the learning process, and to meet the needs of students in e-money-based koperasi units. E-money itself aims to provide benefits and convenience in financial management and transaction recording. The purpose of this paper is to describe the planning, organization, implementation, and monitoring- evaluation of distinctive services for koperasi units in modern Islamic boarding schools in East Java. This research deployed qualitative research with a case study approach. Data collection techniques used was passive participatory observation, semi-structured interviews, and documentation. The results of this study suggests that; 1) Planning of an e-money-based koperasi unit consists of long-term planning such as implementing e-money and improving financial accounting and short-term planning such as carrying out meetings, increasing store's establishment; 2) Organizing e-money-based koperasi units consisting of annual member meetings, management, supervisors, and members; 3) Implementation of e-money-based koperasi units is carried out in the form of several businesses, such as food and uniform outlets, laundry, and wartel businesses; 4) Supervision of e-money-based koperasi units is carried out in daily basis by direct involvement and evaluation through the hard copy of koperasi financial reports.
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Sulistyowati, Prihatin, Sudarmiatin Sudarmiatin, and Rosyid Al Atok. "Analysis of money management skills as a character building of responsibility and creativity in elementary school students." JPPI (Jurnal Penelitian Pendidikan Indonesia) 10, no. 2 (May 10, 2024): 108. http://dx.doi.org/10.29210/020243787.
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Financial management skills are very important in life, so these skills must be trained from an early age so that when they grow up they become wise people who use money responsibly. This study aims to describe the results of the analysis of the ability of elementary school students to manage their money creatively and responsibly. This research method is descriptive qualitative. Data collection by survey by giving instruments in the form of questionnaires 12 questions for individuals and 1 question for groups. The research sample as the source is 80 public and private elementary school students in Malang city. Data analysis techniques using Miles and Huberman with data collection steps, data reduction, data presentation and data verification. Based on the results of the survey of the ability to manage finances in the aspect of utilizing pocket money for saving and entrepreneurship individually with group financial management obtained, it shows that there is not too much difference. In individual results, the majority of students have set aside pocket money to save and do small businesses but have not yet appeared well managed, in group results there is already a detailed planning of financial management for business but the calculation of capital and profit is not appropriate. Financial management skills in elementary school students still need more serious handling in order to increase more creative and responsible.
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Hamid, Abd, Damirah ., and Musmulyadi . "The Effectiveness of Zakat and Islamic Social Finance Management in Enhancing the Economic Well-being of the Prepare City Community." International Journal of Research and Review 10, no. 9 (September 22, 2023): 469–74. http://dx.doi.org/10.52403/ijrr.20230947.
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ZIS, or zakat infaq and shadaqah, is one tool used to combat poverty and advance social welfare. Planning, organizing, executing, and monitoring zakat, infaq, and shadaqah are all parts of good financial management (ZIS). Funds (ZIS) are managed in BAZNAS Parepare City with the goal of boosting the local economy via the use of and distribution of business capital to the underprivileged. The community is greatly impacted by the distribution of money (ZIS) at BAZNAS thanks to good administration and efficient use. The purpose of this study is to ascertain the efficiency of fund management (ZIS) in enhancing the local economy of Parepare City. This study employs phenomenological qualitative research techniques while gathering data using field research techniques. Primary data from Parepare City BAZNAS personnel and secondary data, namely mustahik data from recipients of funds (ZIS) on the efficiency of fund management (ZIS) in boosting the local economy, were the sources of information used in this study. Interviews and documentation are the two data gathering techniques employed in this study. The findings demonstrated that: 1. The use of funds (ZIS) at BAZNAS is carried out using a business capital empowerment program to create enterprises from the community in Parepare City. 2. The business capital initiative at BAZNAS Parepare City has produced highly good distribution results for (ZIS) money to boost the local economy. Keywords: Effectiveness, Fund Management (ZIS), Economy, Society.
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Pagar, Keshav R., Sachin V. Shinde, Om M. Jagtap, Atharva S. Parkhi, Prathamesh S. Mule, and Swapnil B. Pawar. "Implementation of Productivity Improvement Techniques in Wood Industry." International Journal for Research in Applied Science and Engineering Technology 12, no. 3 (March 31, 2024): 101–4. http://dx.doi.org/10.22214/ijraset.2024.58643.
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Abstract: In Industries, it is very important to save time and money in manufacturing products, because there is lots of competition in the industrial world. The main objective of this study is to improve productivity of the wood industry by implementing different types of productivity improvement techniques such as 5S, Lean Manufacturing, JIT, TQM, 6 Sigma, Kanban, Jidoka and PDCA, etc. Improvement can be done by above techniques and by observing the working process cycle and study of the machineries, time study, identifying the problems during process, process analysis, study of inventory management process, and make the solution on the based problems. The purpose of this study is to eliminate the wastes and reduce the idle times in industry.
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Mangiero, George A., John Manley, and J. T. Mollica. "Improving Pedagogy Through The Use Of Dynamic Excel Presentations In Financial Management Courses." American Journal of Business Education (AJBE) 3, no. 1 (January 1, 2010): 91–106. http://dx.doi.org/10.19030/ajbe.v3i1.377.
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This paper discusses and illustrates the use of dynamic Excel presentations to improve learning in Financial Management courses. Through the use of such presentations, multiple and varied examples of important principles in Financial Management, which would ordinarily take an excessive amount of time to cover, can be considered within the time span of a single class. Two applications of these techniques are presented in this paper: (1) Time Value of Money -- Classic Retirement Annuity analysis and (2) Capital Structure Decisions -- EBIT-EPS Analysis. By using these Excel techniques to cover multiple examples under different initial conditions and assumptions, the authors contend that students gain a broader understanding of these financial problems and their solutions, than would otherwise be possible.
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Abdullah, Zulkifli, and U. Usman. "HUBUNGAN KAUSALITAS PENGGUNAAN E-MONEY DENGAN TINGKAT KONSUMSI MAHASISWA (Studi Pada Mahasiswa Universitas Samawa Sumbawa Besar)." Samalewa: Jurnal Riset & Kajian Manajemen 3, no. 1 (June 15, 2023): 1–10. http://dx.doi.org/10.58406/samalewa.v3i1.1180.
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This study aims to determine the effect of the use of electronic money (e-money) on the level of consumption of students at Samawa University Sumbawa Besar. The type of this study was associative. The type of data used is quantitative obtained from primary sources through a questionnaire. The population in this study were 619 students of the Faculty of Economics and Management. The sample determination was carried out using a purposive sampling technique so that the number of populations that met the requirements to become the research sample was 93 people. Data analysis is carried out with simple linear regression analysis techniques, partial hypothesis testing (T-test), and determinant coefficient test (R2). The results showed that the use of electronic money (e-money) had a positive and significant effect on the level of consumption of students at Samawa University Sumbawa Besar. The effect of the use of electronic money (e-money) on the level of consumption of students at Samawa University Sumbawa Besar is 10.1%, while the remaining 89.9% is influenced by other factors that are not examined in this study, such as income, product prices, tastes and education.
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Asmini, A., K. Kamaruddin, and Sri Dewi Nur’atina. "HUBUNGAN MANAJEMEN KINERJA DENGAN PRODUKTIVITAS KERJA PEGAWAI PADA DINAS LINGKUNGAN HIDUP KABUPATEN SUMBAWA." Samalewa: Jurnal Riset & Kajian Manajemen 4, no. 1 (July 16, 2024): 154–63. http://dx.doi.org/10.58406/samalewa.v4i1.1610.
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This study aims to determine the effect of the use of electronic money (e-money) on the level of consumption of students at Samawa University Sumbawa Besar. The type of this study was associative. The type of data used is quantitative obtained from primary sources through a questionnaire. The population in this study were 619 students of the Faculty of Economics and Management. The sample determination was carried out using a purposive sampling technique so that the number of populations that met the requirements to become the research sample was 93 people. Data analysis is carried out with simple linear regression analysis techniques, partial hypothesis testing (T-test), and determinant coefficient test (R2). The results showed that the use of electronic money (e-money) had a positive and significant effect on the level of consumption of students at Samawa University Sumbawa Besar. The effect of the use of electronic money (e-money) on the level of consumption of students at Samawa University Sumbawa Besar is 10.1%, while the remaining 89.9% is influenced by other factors that are not examined in this study, such as income, product prices, tastes and education.
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Molla1, Tesfahun, Baseem Khan1*, and Pawan Singh2. "A comprehensive analysis of smart home energy management system optimization techniques." Journal of Autonomous Intelligence 1, no. 1 (October 14, 2018): 15. http://dx.doi.org/10.32629/jai.v1i1.14.
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Development of smart grid technology provides an opportunity to various consumers in context for scheduling their energy utilization pattern by themselves. The main aim of this whole exercise is to minimize energy utilization and reduce the peak to average ratio (PAR) of power. The two way flow of information between electric utilities and consumers in smart grid opened new areas of applications. The main component is this management system is energy management controller (EMC), which collects demand response (DR) i.e. real time energy price from various appliances through the home gateway (HG). An optimum energy scheduling pattern is achieved by EMC through the utilization of DR information. This optimum energy schedule is provided to various appliances via HG. The rooftop photovoltaic system used as local generation micro grid in the home and can be integrated to the national grid. Under such energy management scheme, whenever solar generation is more than the home appliances energy demand, extra power is supplied back to the grid. Consequently, different appliances in consumer premises run in the most efficient way in terms of money. Therefore this work provides the comprehensive review of different smart home appliances optimization techniques, which are based on mathematical and heuristic one.
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Sifaki, Evi, and Annabelle Mooney. "Two sides of the same coin: matter and embodiment in metaphors of money." On the Horizon 23, no. 3 (September 7, 2015): 202–15. http://dx.doi.org/10.1108/oth-12-2014-0041.
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Purpose – The purpose of this paper is to document the conceptual metaphors (Lakoff and Johnson, 2003) found in the talk of Greek and Australian adults to describe how people think about money. As money becomes increasingly abstract, understanding money, dealing with debt and encouraging financial literacy become more problematic. Design/methodology/approach – Semi-structured interviews of a small sample (n = 7) are analysed using Lakoff and Johnson’s model of metaphor to map the underlying conceptual structures of money. Findings – This paper argues that the abstraction of money has led people to search for a conceptual object. The forms and features of this object are recovered by tracing the metaphors, their presuppositions and entailments. This shows that people think about money as a physical object that needs to be carefully managed to avoid bodily harm and personal physical discomfort. Specifically, money is an object with weight that physically constrains the body, a substance that can be addictive albeit with the agentive capacity of sentient beings. Social implications – While the physical and corporeal nature of money implicitly underpins existing money management techniques (e.g. “jam jar” accounts), a detailed understanding of money as a (conceptual) object provides detailed discursive, lexical and persuasive resources for promoting sound financial behaviour and perhaps informing both economic and social policies. Originality/value – While metaphor has been studied in economics texts, very little attention has been paid to the language that ordinary people use to talk about money. This research gives a clear picture of money as a metaphorically physical object.
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Awolaja, Ayodeji Muyideen. "Human Resources Management Practice and Behavioural Intention on Internet Free Banking in Nigerian Deposit Money Banks." European Journal of Business and Innovation Research 11, no. 3 (March 15, 2023): 50–60. http://dx.doi.org/10.37745/ejbir.2013/vol11n35060.
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The study looked at the impact of human resource management techniques on clients’ willingness to sign up for free internet banking at Nigerian Deposit Money Bank. The study was conducted using a descriptive survey research approach. The study population is made up of employees from various Deposit Money locations. The sample size was 167 people, chosen using a census sampling technique. The study’s primary data was acquired through a standardised questionnaire. The collected data was evaluated using a regression model. The findings revealed that recruitment has a positive impact on client behavioural intention; that performance appraisal has a positive impact on client behavioural intention; and that employee participation has a positive impact on client behavioural intention. As a result, it was concluded that human resources management practices have a positive impact on client behavioural intention, based on which the recommendation was made.
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Agustino, Leo, Indah Fitriani, Fitriani Reyta, and Ganjar Nurul Fajar. "Beneficial ownership transparency strategy in law enforcement of the money laundering act involving corporations." Corporate and Business Strategy Review 4, no. 3 (2023): 148–58. http://dx.doi.org/10.22495/cbsrv4i3art15.
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Corporations play an important role in economic growth and national development. The corporation has the potential to become a means to commit criminal acts of money laundering with the aim of benefiting (beneficial owner). The distribution of beneficial owner information is an effort to realize corporate sustainability. Consistency of beneficial ownership transparency is needed to ensure law enforcement of money laundering crimes involving corporations. The purpose of this study is to find the role of beneficial owners in the misuse of corporations as a mediator for money laundering crimes in Indonesia. This research method uses a normative juridical approach that focuses on data collection techniques, descriptive, and analytical, with literature studies and field studies being the research stage, then the data is analyzed qualitatively. The results of the analysis show that transparency of beneficial owner information is part of the framework of the principles of prevention and eradication of money laundering. Transparency of beneficial owner information can ensure the implementation of practices and concept development that is used as a means of orientation in the prevention and eradication of money laundering crimes involving corporations.
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Omodero, Cordelia Onyinyechi. "Fintech Innovation in the Financial Sector: Influence of E-Money Products on a Growing Economy." Studia Universitatis „Vasile Goldis” Arad – Economics Series 31, no. 4 (October 11, 2021): 40–53. http://dx.doi.org/10.2478/sues-2021-0018.
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Abstract The FinTech innovation of e-money products in the financial sector has not gained sufficient recognition in Nigeria’s developing country. Despite the numerous economic benefits associated with this innovation, physical cash for financial transactions is still prevalent. Banks are still experiencing some level of cash withdrawals and deposits by individuals who refuse to embrace modern technology. This study stresses the economic benefits of e-payment channels available today and statistically supports evidence to substantiate their usefulness. In this study, we use banks’ e-money products as the independent variables, while GDP is employed as a proxy for the economy. The data are collected from 2006-2019 and are analyzed with multiple regression techniques using E-views version 9 software. The result shows that all banks’ e-money products have a significant favorable influence on the economy except the POS that is yet to gain momentum. The study suggests the full implementation of the cashless policy, proper education of the populace and guidelines to check electronic fraud.
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Afrimayanti, Yosi, and Vargo Christian L. Tobing. "Pengaruh Financial Knowledge, Money Management Dan Locus Of Control Terhadap Financial Literacy Mahasiswa Perguruan Tinggi Swasta Di Batam." Prosiding Seminar Nasional Ilmu Sosial dan Teknologi (SNISTEK) 5 (September 28, 2023): 132–38. http://dx.doi.org/10.33884/psnistek.v5i.8073.
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The purpose of this study was to analyze the effect of financial literacy and lifestyle on financial management owned by student. The population in this study were accounting students at Batam University, Universal University, Batam International University, totaling 879 students. The sample used in this study amounted to 275 students using random sampling techniques. The data used in this study are primary data, namely by distributing questionnaire. Data analysis technique used in this case this research is a quantitative data analysis technique using descriptive analysis, instrument testing, classical assumption testing, multiple lineat analysis and hypothesis testing. Hypothesis testing (t test) shows that financial knowledge, money management and locus of control partially have a significant effect on financial literacy. The result of the research on the f test show that financial knowledge, money management and locus of control simultaneously have a significant effect on financial literacy.
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RENNEBERG, VOLKER, and UWE M. BORGHOFF. "GENERATING PRODUCT RECOMMENDATIONS USING FILTER COMBINATION." International Journal of Innovation and Technology Management 01, no. 02 (June 2004): 127–49. http://dx.doi.org/10.1142/s0219877004000143.
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Traditionally, customers spend most of their money for pre-configured "off-the-shelf" products. Simple product variations are offered, but fine-tuning by the customer before the purchase is generally not intended. Why pay for functionality that is not wanted? Why spend money for products that are so rigid and do not satisfy a hundred percent? To remedy these issues, we discuss a possible solution based on recommendations. In our approach, traditional filtering techniques known from recommender systems guide the customer through a sophisticated product personalization process using pipelined filter combination. This process distinguishes between expert customers and novices. An extended example shows the rich capabilities of the proposed solution.
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Vijaykumar, S., K. S. Rajkarthick, and J. Priya. "Innovative Business Opportunities and Smart Business Management Techniques from Green Cloud TPS." International Journal of Asian Business and Information Management 3, no. 4 (October 2012): 62–72. http://dx.doi.org/10.4018/jabim.2012100107.
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Presently, technology plays a vital role in the field of business to acquire its position in the global market. The authors’ proposal brings a smart way of making business by the eco-friendly and economical friendly Cloud TPS. Cloud TPS provides advance features compare with cloud computing because Cloud TPS bears with ACID property which is not acquired in cloud computing. It reveals the secret behind it and gives opportunities for students, house hold businesses and corporation in this fourth version of the authors’ research bringing you the most advanced technology and its latest opportunities. In addition it deals with how it supports to reduce global warming and an overview to which way society can be able to gives their pc to cloud and ways to earn money. The authors classified the opportunities into three categories of opportunities. An additional supporting feature behind this business opportunity is reducing global warming, as well as satisfy the RRD concept and gives an idea to utilize it in an efficient manner, which will be reveal by this paper as we take you to the next generation computing based business opportunities.
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Arif, Muhammad, Nursantri Yanti, and Vania Sally Nabila. "PENGARUH MOTIVASI BELANJA HEDONIS, UANG SAKU DAN PROMO DISKON TERHADAP PEMBELIAN IMPULSIF MAHASISWA JURUSAN MANAJEMEN UNIVERSITAS ISLAM NEGERI SUMATERA UTARA PADA APLIKASI SHOPEE." Jurnal Ekonomi Manajemen dan Bisnis 4, no. 1 (July 7, 2023): 89–97. http://dx.doi.org/10.32815/jubis.v4i1.1813.
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This study aims to determine the effect of hedonic shopping motivation, pocket money and discount promos on impulse purchases of students majoring in management at the State Islamic University of North Sumatra on the Shopee application. This research was conducted on all active management students of the State Islamic University of North Sumatra with a population of 844 students and a sample of 89 students. The sampling technique in this study uses a probability sampling approach using random sampling, namely random sampling. This study used primary data obtained using questionnaires. The data analysis techniques used in this study are descriptive statistical tests, classical assumption tests, multiple linear regression analysis and hypothesis tests. The results proved that hedonic shopping motivation, pocket money and discount promos had a positive and significant effect on the impulse purchases of students majoring in management at the State Islamic University of North Sumatra on the Shopee application.