Literacy Variables Research Articles

Effect of Health Literacy and Patient Activation on Health-Seeking Behaviour: A Cross-Sectional Study in Turkey.

The study aimed to investigate the effect of health literacy and patient activation on health-seeking behaviour. In addition, the role of general health status and age variables in this effect was also addressed. The research using quantitative methods is cross-sectional. The participant information form, health literacy scale, patient activation scale and health-seeking behaviour scale were used in the study. In addition to descriptive analyses, difference analysis, correlation analysis and multiple linear regression analysis were used in the study. The study participants consisted of 1045 adult individuals living in Turkey. According to the correlation analysis results, it was determined that health literacy and patient activation were significantly positively associated with health-seeking behaviour. According to multiple linear regression analysis, the independent variables of health literacy, patient activation, age and general health status significantly affected health-seeking behaviour. Accordingly, patient activation and general health status positively affect health-seeking behaviour, while health literacy and age have a negative effect. To positively improve individuals' health-seeking behaviours, it is thought that it would be appropriate to focus on individuals whose general health status is not good, who are not actively involved in their treatment, who have high health literacy and who are elderly. Since the research examines the effect of patient activation and health literacy on health-seeking behaviour, it is of great importance for the research that the public and patients are included in the study from the design of the research to the presentation of the findings. The emergence of the study was made possible by the public and patients' evaluations of the research topics and their participation in the survey.

Financial Literacy, Public Accountability, Information Transparency and Financial Performance Responsibility in Zakat Management at Baitul Mal Aceh Agency

This research aims to determine the influence of financial literacy, public accountability, information transparency and responsibility on the financial performance of zakat management at Baitul Mal Aceh Agency. This research uses the financial literacy variable as the main variable which is believed to have a better influence on improving financial performance. The use of financial literacy variables becomes important along with the implementation of zakat as a tax deduction as regulated by the Ministry of Finance of the Republic of Indonesia. Through financial literacy, Baitul Mal Aceh Agency can improve, especially regarding zakat management. This research also uses good governance variables, which include public accountability, information transparency and responsibility. Baitul Mal Aceh as a public sector organization is obliged to prioritize the principles of good governance in order to increase public trust in zakat management in Aceh.

PENGARUH LITERASI PERPAJAKAN, MACHIAVELLIANISME DAN RASIONALITAS WAJIB PAJAK TERHADAP KEPATUHAN WAJIB PAJAK (STUDI KASUS WAJIB PAJAK ORANG PRIBADI YANG TERDAFTAR DI KPP PRATAMA SERPONG)

This study aims to analyze the influence of tax literacy, Machiavellianism, and taxpayer rationality on taxpayer compliance. This is a quantitative research with primary data sources. The population in this study is individual taxpayers registered at KPP Pratama Serpong. The sampling method used in this study is simple random sampling, applying the slovin formula, resulting in a final sample of 100 respondents. Data analysis techniques include multiple regression analysis with the assistance of Microsoft excel and SPSS version 20. The results of the study indicate the simultaneously, the variables of tax literacy, Machiavellianism, and taxpayer rationality affect taxpayer compliance. Partially, the results show that the variable of tax literacy affects taxpayer compliance. Meanwhile, the variable of Machiavellianism does not affect taxpayer compliance. And the variable of taxpayer rationality also does not affect taxpayer compliance.

Assessment Literacy of Secondary School Teachers and Its Impact on Student's Performance in the Division of Gingoog City

This study examined teacher’s assessment literacy and its probable impact on students’ performance through the intervening variables of the teachers. The study had 234 public secondary school teachers in the Division of Gingoog City. It employed the Input-Process-Output (IPO) Model of David Bushnell which illustrates how teachers’ demographics (input): length of service, DepEd issuances, and assessment training/s attended, assessment literacy (process): assessment knowledge, assessment practices/beliefs and assessment result utilization will impact students’ performance (output). The results showed that most of the respondents have been in the service for five years and below, a little over half have attended training on test construction and table of specification, and on average only a little more than one-fourth of the teachers received copies of DepEd issuances relative to assessment. Additionally, it revealed that there is no conclusive evidence to show a direct correlation between teachers’ assessment literacy and students’ performance which means none of the assessment literacy variables significantly impact students’ performance. The results further revealed that no significant difference was noted in teachers’ length of service and DepEd issuance to assessment literacy. However, a highly significant difference was noted in assessment training attended and assessment literacy. It also disclosed that no matter how long the teachers have been in the service, whether they have copies of all DepEd issuances, these do not contribute to their literacy in assessment. The findings in this study underscored the need to provide quality and effective inputs from both the department and the respondents. There has to be a relevant and appropriate process to effect quality output, which is commendable student performance.

THE INFLUENCE OF ENTREPRENEURIAL LITERACY AND DIGITAL LITERACY ON BUSINESS SUCCESS (A Study on SMEs Assisted by the Department of Cooperatives in Biringere Village, North Sinjai District, Sinjai Regency)

Abstract This research intends to examine the influence of entrepreneurial literacy as well as digital literacy on company success (Study on MSME Assisted by the Cooperative Office in Biringere Village, North Sinjai District, Sinjai Regency). The t-test analysis indicates that the entrepreneurial literacy and digital literacy variables have a significant influence on Business Success, thereby confirming the hypothesis. The F-test results indicating that the independent variables have a significant simultaneous influence on the dependent variable. The correlation coefficient analysis (r) yielded a value of 0.793 or 79.3 percent, suggesting a positive relationship where higher entrepreneurial literacy and digital literacy are associated with greater Business Success. The analysis of the coefficient of determination (R²) indicates that entrepreneurial literacy accounts for 55.5% of the influence on Business Success, while the remaining 44.5% is attributed to other factors. The digital literacy coefficient value is 0.449, or 44.9%, indicating that digital literacy contributes 44.9% to the impact on Business Success, while the remaining 55.1% is impacted by external factors.

PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP MINAT MAHASISWA MENGGUNAKAN PAYLATER (STUDI PADA MAHASISWA UNIVERSITAS MUHAMMADIYAH SORONG)

This research aims to find out whether financial literacy and Lifestye influence students' tendency to use Paylater. The independent variables in this research are financial literacy (X1) and lifestyle (X2), and the dependent variable in this research is interest in using Paylater (Y). This research uses a quantitative approach using descriptive and correlation methods. The sample in this study was taken using non-probability techniques with the Quota Sampling technique. The respondents used in this research were 264 Muhammadiyah Sorong University students who were drawn using the quota sampling technique. The research results show that the independent variables of financial literacy and lifestyle variables have a simultaneous and partial effect on the dependent variable Student interest in using Paylater.

PENGARUH E-COMMERCE, LITERASI KEUANGAN, DAN LITERASI DIGITAL TERHADAP PERILAKU KONSUMTIF MAHASISWA

This study aims to examine whether there is an influence of e-commerece, financial literacy, digital literacy on consumtive behaviour. The population in this study were active accounting students of Muhamadiyah University The number of samples in this study were 77 respondents. The sampling technique uses simple random sampling method. The research method used is quantitative with primary data sources. The methode of data analysis uses multiple linear regression analysis with SPSS version 27. The results of this study provide evidence that partially the e-commerce variable has a positive effect on consumptive behavior, while the financial literacy and digital literacy variables have a negative effect on consumptive behavior. Simultaneously e-commerce variables, financial literacy and digital literacy have a significant effect on consumptive behavior

Assessment of student ICT competence according to mathematics, science, and reading literacy: evidence from PISA 2018

To assess the integration of information and communication technologies (ICTs) in teaching and learning, a new construct for ICT competence was developed by the Programme for International Student Assessment (PISA) in 2022. The framework for ICT assessment involves four major dimensions; access to ICT, use of ICT, students’ ICT competencies, and subject-related ICT use. In this paper, we analysed this ICT assessment in terms of validity construction of test scores with data from PISA 2018 and investigated ICT competence in relation to the variables of mathematics, science, and reading literacy. The analyses were based on public data from PISA 2018 for Turkey (N = 6890). After removal of univariate and multivariate outliers from the Turkish sample, factor analysis, correlation analysis, and structural equation modelling were performed on 5438 data items. In the study, we confirmed the four-dimensional structure of ICT competence for the Turkish sample. In this study, the construct validity of the PISA 2018 application ICT test was verified using the Turkish sample. The ESCS variable was included as a control variable in the analyses due to its significant impact on the relevant variables. The analysis showed that the mathematical literacy scores of the PISA 2018 Turkish students were positively low affected by the availability of ICT, negatively low affected by the entertainment of ICT, and positively low affected by the interest and perceived competence in ICT, use of ICT for educational purposes at school and outside school, and the use of ICT related to the subject. Considering the ICT variables that affected the PISA 2018 students’ science literacy scores; the entertainment of ICT and the interest and perceived competence in ICT significantly low affected the students’ use of ICT on the subject. On the other hand, the availability of ICT negative significantly low affect their science literacy scores. While the entertainment of ICT negatively low affected the science literacy scores, interest and perceived competence in ICT and use of ICT for educational purposes at school and outside school positively low affected the students’ use of ICT on the subject. Finally, when we look at the ICT variables that low affected the students’ reading literacy scores; and use of ICT for educational purposes at school and outside school and the interest and perceived competence in ICT significantly positive low affected the use of ICT on the subject. On the other hand, the availability of ICT negative significantly low affect reading literacy scores. While the entertainment of ICT negatively low affected reading literacy scores; interest and perceived competence in ICT positively low affected the use of ICT on the subject.

The Influence of Financial Inclusion, Financial Literacy, and the Digital Economy on Micro, Smaall and Medium Enterprises (MSMEs) from an Islamic Economic Perspective (Case Study of Rantauprapat City, Labuhanbatu District)

The purpose of this study is to determine the influence of financial inclusion, financial literacy, and digital economy on micro, small and medium enterprises (MSMEs) from an Islamic economic perspective. This research data was obtained from a questionnaire distributed through google from. This research method is quantitative. In addition, this data analysis technique uses path analysis with SPSS 27.0 software. The results of this study use multiple linear analysis with data instrument tests in the form of validity and reliability tests. Classical assumption tests are data normality tests, multicollinearity tests, and heteroscedasticity tests. Finally, hypothesis tests are carried out in the form of partial tests, simultaneous tests and determination tests. The results showed that partially the variables of financial inclusion, financial literacy, and digital economy had a positive and significant effect on sharia MSMEs, namely sig. 0.001 < 0.05, and financial literacy variables 0.001<0.05, and digital economy 0.001<0.05. While simultaneously financial inclusion, financial literacy, and digital economy with a calculated F value greater than the F table (65.165>4.23) or significance value (0.001<0.05).

The role of trust on investors' intention to shares waqf in Indonesia

Purpose – This study examines the direct and indirect relationships between the variables of waqf literacy, reputation, and integrity and investors' intentions in waqf shares.Methodology – This study uses the Smart Equation Modeling (SEM) analysis approach with SEM PLS 4.0. A total of 247 investors were obtained through the questionnaire distribution.Findings – The results of this study indicate that waqf literacy, reputation, and integrity have a significant positive direct effect on trust and investor intention in waqf shares. The trust variable has a significantly positive effect on investor intention in waqf shares. The trust variable can moderate the influence of waqf literacy, reputation, and integrity on investor intention in waqf shares.Implications – For future researchers to enrich research on share waqf by adding other factors, discussing case studies specifically on share waqf nazirs, and comparing their management with other countries. To establish cooperation with stock exchange members who have Sharia Online Trading System (SOTS) services to make it easier for investors to share waqf. Originality – This study adds trust variables as mediation for other variables and revalidates the results of the influence of waqf literacy, reputation, and integrity on investor intention in waqf shares.

Research on Configuration Paths of Digital Literacy Empowering Medical Students' Innovative Behaviors: Based on Fuzzy-Set Qualitative Comparative Analysis

To explore the causal complexity between individual digital literacy and innovative behaviors by focusing on medical students, and to provide scientific references for empowering their innovative behaviors. A questionnaire survey was conducted to collect relevant data from students currently enrolled in a medical school in Anhui Province. Fuzzy-set qualitative comparative analysis (fsQCA) was performed to examine the different combination paths for empowering innovative behaviors in medical students. A total of 922 valid questionnaires were collected. Based on six conditional variables of digital literacy, namely information and data literacy, communication and collaboration literacy, digital content creation literacy, security literacy, problem solving literacy, and career-related literacy, there were five configurations for high-level innovation behaviors of medical students, with the overall consistency being 0.816 and the overall coverage being 0.664. On the other hand, there were three configurations for their low-level innovation behaviors, with the overall consistency being 0.901 and the total coverage being 0.585. There is a causal complexity between medical students' digital literacy and their innovative behaviors. Different dimensions of digital literacy act synergistically to produce multiple paths to empower medical students' innovative behaviors. Among them, a high level of competence in digital content creation is the core condition that empowers innovative behaviors in medical students, while a low level of problem-solving competence is the key barrier to their innovative behaviors.

PEER TO PEER LENDING : GENERATION Z ATTRACTION FACTORS AND FUTURE IMPLICATIONS

This study is about the factors of behavioral intention to borrow from the perspective of Generation Z toward peer-to-peer lending. This study applied primary data by collecting surveys distributed to Gen Z on Java Island. The sample used was 44 male respondents and 110 female respondents. Factors that influence borrowing intention were tested with SEM PLS 4.0. The research shows that the variables of utilitarian value, risk perception, and financial literacy are significant to the behavioral intention of Peer To Peer Lending. In addition, the findings show that the variables of convenience and safety do not determine behavioral intention in Peer To Peer Lending. This research also explores how financial technology, such as peer-to-peer lending, can facilitate Generation Z's access to finance. The implications of this research highlight the importance of financial knowledge and planning for Gen Z for its future. These findings provide insights for fintech companies to design products and services that suit Generation Z's specific preferences and needs. The target market for peer-to-peer lending companies needs to be adjusted in their marketing strategies.

Pengaruh Financial Literacy dan Financial Managament Behavior Terhadap Invesment Decision pada Investor Generasi Y dan Z di Kota Bogor

This research aims to determine the influence of financial literacy variables and financial management behavior on investment decision variables among Generation Y and Z investors in Bogor City. The population in this research is the people of Bogor City with a sample size of 100 respondents (investors) using the Slovin formula which has criteria for respondents using a purposive sampling technique. The method in this research is quantitative using questionnaire data collection techniques with multiple linear regression analysis techniques. Based on the research results, it shows that partially financial literacy has a significant positive effect on investment decisions, financial management behavior has a significant positive effect on investment decisions and simultaneously financial literacy and financial management behavior have a significant positive effect on investment decisions

The Influence Of E-Wallet Usage, Financial Literacy And Lifestyle On Financial Management Of Female Civil Servants In Mempawah District

The purpose of this study was to determine the effect of e-wallet usage, financial literacy and lifestyle on financial management of Female Civil Servants in Mempawah Regency. The method used in this research is quantitative method. The population in this study were female civil servants in Mempawah Regency with a total sample of 156 people. The data analysis technique used is multiple linear regression analysis, multiple correlation coefficient (R), coefficient of determination (R2), simultaneous test (F test) and partial test (t test). The results showed a multiple linear regression equation, namely: Y = 4.296 + 0.563 X1 + 0.249 X2 + 0.367 X3. The results of the multiple correlation coefficient show an R value of 0.784, meaning that the variables of e-wallet usage, financial literacy and lifestyle on financial management have a strong relationship. The results of the coefficient of determination R2 show that the contribution of the variables of e-wallet usage, financial literacy and lifestyle in influencing the ups and downs of financial management of Female Civil Servants in Mempawah Regency is 74.7% while the remaining 25.3% is explained by other variables outside the regression model. The results of the simultaneous test (F test) in this study showed an Fcount value of 7.183> 2.66 Ftable. Thus it can be concluded that the use of e-wallets, financial literacy and lifestyle on financial management simultaneously affect the dependent variable, namely financial management. The results of the partial test (t test) on the e-wallet usage variable show a tcount value of 3.811> 1.975 t table, meaning that there is a partially significant influence between the relationship with the use of e-wallets on financial management, while the financial literacy variable shows a tcount value of 2.581> 1.975 t table, meaning that there is a partially significant influence between the relationship with financial literacy on financial management and finally the lifestyle variable shows a tcount value of 3.466> 1.975 t table, meaning that there is a partially significant influence between the relationship with lifestyle on financial management.

Determinants of Millennial Interest in Investing on Sharia Securities Crowdfunding Platforms in Indonesia

This research aims to analyze the influence of attitude variables, subjective norms, and perceived behavioral control on interest upon investing in SCF sharia as well as the influence of the variables of Islamic financial literacy, religiosity, risk and return on attitudes towards investing among the millennial generation in SCF Syariah. The research employed a quantitative approach utilizing the Structural Equation Model Partial Least Square (SEM-PLS) with primary data gathered through purposive sampling. The technique was conducted by an online method on 152 individuals from the millennial generation. Not all TPB factors significantly influence the interest to invest in Sharia Securities Crowdfunding. Attitude and Behavior Control Perception have a positive impact on the interest to invest in Sharia SCF. Subjective Norm does not have an impact on the interest to invest in Sharia SCF. Sharia financial literacy does not significantly affect attitude. Religiosity significantly affects attitude. Risk and return significantly affect attitude.

Pengaruh Financial Literacy dan Modal Investasi terhadap Trading Activity Investor Pemula di Bursa Efek Indonesia

This empirical study aims to test and analyze the influence of financial literacy and investment capital on the trading activity of beginner investors on the Indonesia Stock Exchange (BEI). This research was conducted on Politeknik Negeri Padang Accounting Department students who have had a Rekening Dana Nasabah (RDN) on the IDX for less than 1 (one) year. The research sample is students who have taken courses in financial management and capital markets. The trading activity observed is the frequency of share buying and selling transactions on the IDX from April 1 to June 30, 2022. Investment capital is the amount of rupiah deposited to RDN at the start of the transaction. 54 respondents participated in this research and the data was processed. The data obtained were processed and analyzed using descriptive statistical and multiple linear regression using SPSS 26. The results of the study showed that partially, investment capital had a positive effect on trading activity, while financial literacy did not affect trading activity. However, the investment capital and financial literacy variables influence the trading activity of beginner investors on the IDX in 2022.

Digital Literacy in Mediating the Influence of Education, Demography, Employment on Poverty

This study investigated the influence of education, demography, and employment on poverty with digital literacy as a mediating variable. A structural Equation Modeling (SEM) with the Partial Least Square (PLS) method was applied. Significant indicators found are four indicators of education and digital literacy variables, two indicators of demographic and employment variables, and three indicators of poverty variables. It was found that education and employment variables had a significant influence on poverty with a negative influence. We found that no variable has a significant effect on digital literacy and there is no significant effect of digital literacy on Poverty.

The Effect of Financial Access, Financial Literacy and Financial Experience on MSME Financial Behavior

MSMEs contribute 60.6% to the Gross Domestic Product (GDP) in Indonesia. However, on the other hand, the level of financial literacy and financial experience of MSME actors is still low, as well as the lack of access to financial institutions for this sector. The purpose of this study is to determine whether there is an effect of financial access (X1), financial literacy (X2) and financial experience (X3) on the financial behavior (Y) of SMEs. The research data was tested using SPSS version 25, with the results of the study both partially using the T test and simultaneously using the F test there was a significant influence between the variables of financial access (X1), financial literacy (X2) and financial experience (X3) on financial behavior (X1) Y), the coefficient of determination in Adjusted R Square explains the magnitude of the influence of 72.8%, while the remaining 27.2% is influenced by other factors.

Investigation Effects Digital Literacy on Primary Student Attitude in Indonesia

The rapid development of technology has brought significant changes in education at all school levels. To improve the quality of learning, the utilization of Information and Communication Technology (ICT) is becoming increasingly important. This study aims to evaluate students' digital literacy profile and investigate the impact of digital literacy dimensions on students' attitudes towards using ICT for learning. This study utilized mixed methods of the sequential explanatory type, with data collected through a survey of 415 students in Malang, Indonesia. Data was collected through a questionnaire with 17 attributes representing attitude and digital literacy variables. Data analysis included descriptive statistics to assess the level of attitude and digital literacy and regression analysis to examine the influence of digital literacy on students' attitudes in utilizing ICT. In addition, semi-structured interviews with twelve participants were conducted to confirm the findings regarding the level of attitudes and digital literacy. Results from the survey and interviews showed that students' attitudes toward ICT utilization received the highest score, followed by the social-emotional, technical, and cognitive dimensions. Regression test results revealed that technical, social-emotional, and cognitive variables significantly influenced students' attitudes toward ICT.

Pengaruh Literasi Keuangan, Pendapatan dan Technology Acceptance Model (Tam) Terhadap Minat Penggunaan Quick Response Indonesian Standar (QRIS) pada Pelaku UMKM di Kecamatan Temanggung

QRIS is a payment instrument officially issued by Bank Indonesia to be used in daily payment transaction activities by the public. MSMEs are an important sector in the use of QRIS as a transaction tool. However, MSMEs in Temanggung District have not fully used QRIS as part of their payment transaction activities. There are many factors that cause these problems to occur including financial literacy, income, and the basic concepts of the Technology Acceptance Model (TAM), namely perceptions of usefulness and perceptions of ease in applying interest in using QRIS. This study aims to analyze the effect of variables related to these problems, namely financial literacy, income, perceived usefulness, and perceived ease of use on interest in using QRIS for SMEs in Temanggung District. This research uses multiple regression analysis methods in empirical testing. The data used are primary data obtained from distributing questionnaires using a Likert scale, with the subject of active MSMEs in Temanggung District. This study uses the SPSS 26.0 application as an analytical tool. From the results of the analysis carried out, this study shows that the financial literacy variable has a significant influence on the interest in using QRIS. The income variable has no significant effect on interest in use. Variables of perceived usefulness and perceived ease of use also have no significant effect. The variables of financial literacy, income, perceived usefulness, and perceived ease of use simultaneously have a positive and significant effect. Of these variables, financial literacy has the greatest influence on interest in using QRIS. Therefore, the government needs to pay attention to and strengthen policies, especially in the field of financial literacy as the main factor in increasing the interest of MSMEs and the public in using QRIS as a means of payment transactions.