To see the other types of publications on this topic, follow the link: Finance and Financial Management.
Journal articles on the topic 'Finance and Financial Management'
Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles
Consult the top 50 journal articles for your research on the topic 'Finance and Financial Management.'
Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.
You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.
Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.
1
Ankitha, Arelli. "Importance International Financial Management Finance." International Journal of Trend in Scientific Research and Development Volume-2, Issue-3 (April 30, 2018): 2627–29. http://dx.doi.org/10.31142/ijtsrd12893.
Full text
2
A, Vishwas, Divyanshu Kumari, Pradeep S, S. Shohan, Navya Suresh, Dhruv Nair, and Dr Gopalakrishnan Chinnasamy. "Mechanics of Finance- Personal Finance advisory firm: “Finance Friend”." International Journal for Research in Applied Science and Engineering Technology 10, no. 12 (December 31, 2022): 1985–86. http://dx.doi.org/10.22214/ijraset.2022.48396.
Full textAbstract:
Abstract: The purpose of this study is to understand the importance of personal finance planning to be financially sound and well equipped for the uncertainty. According to the findings of this study, the ignorance of personal finance is to the pinnacle. This isn't just to set up family spending plan yet additionally to save, contribute as well as plan for our retirement. The meaning of financial management, its significance, the steps that each person can take to plan and manage their finances, and the awareness of financial management are all discussed in this writing. In addition to educating readers on how to plan and manage each individual's finances for their benefit today and in the future, which indirectly contributes to the development of the nation, the purpose of this writing is to raise awareness of the significance of personal finance planning and management. The impact of personal finance education on financial knowledge, attitudes, and actions is the subject of much debate. Our research also reveals that discussing money with friends, income, work experience, year/field of study, and family financial socialization were all important factors in influencing financial knowledge, attitudes, and behavior. We're not saying that formal financial education isn't important; rather, we're saying that its role in changing people's attitudes and behaviors should be carefully considered if that's its goal. The objective was to describe the financial knowledge, attitudes, and experiences of residents to inform the design of a personal finance curriculum.
3
van Deventer, Marko. "African Generation Y students’ personal finance behavior and knowledge." Investment Management and Financial Innovations 17, no. 4 (November 26, 2020): 136–44. http://dx.doi.org/10.21511/imfi.17(4).2020.13.
Full textAbstract:
Personal financial management is important, given uncertainties in both financial and economic environment. However, published research on African Generation Y students’ personal finance behavior and knowledge is limited. This study aimed to evaluate African Generation Y students’ personal finance behavior in terms of their attitudes towards financial planning and whether this cohort believes that they have the skills to manage their finances successfully. In addition, this study sought to evaluate African Generation Y students’ knowledge regarding personal finance. A convenience sample of 500 African students across the campuses of two South African public higher education institutions situated in the Gauteng province was surveyed using structured, self-administered questionnaires. The t-test results indicate that the sample deems the process of planning personal finances and managing credit, insurance, investment, and estate, as important. Moreover, the students scored low in the broad personal finance knowledge areas of basic finance, saving, spending, and debt, suggesting that this cohort is financially illiterate. The results also indicated that the students think they have the financial skillset to manage their personal finances. A high Pearson’s correlation coefficient was noted between sampled participants’ personal finance behavior and their observed personal finance management skillset regarding the relationship between the constructs. However, an insignificant relationship was found between attitudes towards personal finance and financial knowledge and between financial knowledge and African Generation Y students’ apparent finance skills. Understanding African Generation Y students’ personal finance behavior and knowledge, universities and financial institutions can more effectively identify gaps and deficiencies in students’ personal finance endeavors.
4
Rodina, Larisa A., and Lilia V. Zavyalova. "Personal finance management in modern conditions." Herald of Omsk University. Series: Economics 18, no. 4 (December 28, 2020): 36–47. http://dx.doi.org/10.24147/1812-3988.2020.18(4).36-47.
Full textAbstract:
The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it is proposed to consider the basic problems of personal finance management from the position of accounting and planning of financial resources. The research results are aimed at increasing the financial literacy of the population, preventing encroachments and crimes in the field of personal finance, and, ultimately, at the maximum satisfaction of personal needs. Particular attention is paid to the rules of "personal financial hygiene", which imply organizational and technical measures to protect bank cards, mobile bank, deposits, cash, etc. You should also pay attention to the need to protect personal financial interests from the point of view of checking "financial contacts". An important role in the management of personal finances is played by knowledge of the norms of tax legislation in terms of deductions and benefits for taxes paid by individuals. In this regard, it is necessary to understand not only the legal aspects, but also the capabilities of the information system of relations between taxpayers and the state. It is also proposed to assess the risks of investments for individuals in the context of justifying the individual choice of an option when planning personal finances. All of these aspects are regarded as due diligence rules.
5
Chornovol, Alla, Julia Tabenska, Tetiana Tomniuk, and Liudmyla Prostebi. "Public finance management system in modern conditions." Investment Management and Financial Innovations 17, no. 4 (December 22, 2020): 402–10. http://dx.doi.org/10.21511/imfi.17(4).2020.34.
Full textAbstract:
The public finance management system is an important lever for equalizing financial and budgetary disproportions in the context of institutional changes. The paper aims to substantiate the directions of development of the public financial management system. Economic and statistical methods and correlation-regression analysis methods are used to determine the relationship between the GDP deflator and the share of revenues, expenditures, the general government budget deficit, and public debt in GDP, assessing the features of the public financial management system in Ukraine and EU countries. This study reveals that one of the main restraining factors in the public finance system development is a significant level of uncertainty in economic processes, which intensifies macroeconomic fluctuations, significant indicators of the share of public debt and budget deficit of the state administration sector pose risks to financial and economic stability; their potential negative impact on socio-economic processes is much more destructive than the pro-cyclical nature of fiscal policy. From this point of view, the public finance management system should be directed at optimizing financial and budgetary tools to prevent the growth of public debt and budget deficit in gross domestic product, which determines the importance of substantiating further development directions of the public financial management system. It is concluded that the mechanism of public financial management in recent years is quite rigid and restrictive, in the context of institutional change expands the tools of public financial management and increases its impact on socio-economic processes.
6
Boller, Jan. "Healthcare Finance and Financial Management." Journal for Nurses in Professional Development 30, no. 6 (2014): 316–17. http://dx.doi.org/10.1097/nnd.0000000000000127.
Full text
7
Pramedi, Anglia Dinda, and Nadia Asandimitra Haryono. "Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya." Jurnal Ilmu Manajemen 9, no. 2 (June 30, 2021): 572. http://dx.doi.org/10.26740/jim.v9n2.p572-586.
Full textAbstract:
Finance is one of the factors in the development of a business. Therefore, the entrepreneur should be able to handle finances well to reach business purposes. Based on the previous studies, the purpose of this research is to determine the effect of several factors such as financial literacy, financial knowledge, financial attitude, income, and financial self-efficacy on financial management behavior. The research sample is 211 entrepreneur who has graduated from college in Surabaya. This research used conclusive causality research with primary data. The sampling technique used purposive sampling and snowball sampling method, and data distribution using an online questionnaire. SEM (Structural Equation Model) used for data analysis technique and using AMOS 24. The hypothesis showed that financial knowledge, income, and financial self-efficacy did not affect financial management behavior, but financial literacy and financial attitude influence financial management behavior. Therefore, the entrepreneur needs to improve financial literacy and financial attitude to manage finance on the business better.
8
I Gusti Ayu Ratih Permata Dewi. "FINANCIAL SELF-EFFICACY MEDIATES THE INFLUENCE OF FINANCIAL LITERATURE AND ATTITUDE ON FINANCIAL MANAGEMENT BEHAVIOR." International Journal of Social Science 2, no. 2 (August 3, 2022): 1475–82. http://dx.doi.org/10.53625/ijss.v2i2.3075.
Full textAbstract:
The purpose of this study is for knowing the influence of literacy finance and attitude finance on managing finance and what self-efficacy is capable to moderate the influence of literacy finance and attitude finance on management finance. The researcher is interested in studying about behavior management finance personal to students Major Accountancy Warmadewa University's Faculty of Economics and Business Class year 2019. Ideally, Warmadewa University student Class of 2019 has been getting many subjects about accountancy finance nor management finance and already experienced manage finance during studying so that can be a fundamental knowledge to increase their behavior management finance wisely. The research population is 504 people. The researchers use the Slovin formula because in the withdrawal sample, quantity must be representative so that the results study could be generalized and the calculations are not needed table amount sample, however, could be conducted with formulas and simple calculations so that the amount sample of 100 people. Data collection in This study uses a research instrument in the form of a questionnaire. This research uses the Partial Least Square (PLS) analysis method. This result shows that literacy finance and attitude finance did not take an effect on financial management behavior. Furthermore, financial self-efficacy take positive effect and significant on financial management behavior, literacy finance takes an positive effect and significant on financial self-efficacy, while attitude finance did not take an effect on financial self-efficacy. The results also show that financial self-efficacy is able to mediate the effect of financial literacy on financial management behavior, but financial self-efficacy is not able to mediate the effect of financial attitudes on financial management behavor.
9
Jakupi, Shefket Zeqir, and Besart Hajrizi. "Personal Finances’ Planning and Management as means for a Successful Family Life." International Journal of Management Excellence 10, no. 1 (December 31, 2017): 1235–40. http://dx.doi.org/10.17722/ijme.v10i1.951.
Full textAbstract:
Abstract
Studying personal finances helps avoiding financial difficulties and the use of financial opportunities to provide a chance for a successful family life. Personal finance is based on studying the financial resources of the family, which are considered important in the pursuit of financial success, that is, how people spend, save, protect and invest their money in everyday life. Personal finance is linked to these key concepts: financial responsibility, financial success and financial satisfaction, addressed in four key issues namely: Saving, Borrowing, Insurance and Investing.
The relevance of this article is even on identifying the main advantages derived by personal digital finances, where the applicability of the cryptocurrency is increasing day by day.
10
Marhasova, V., I. Ruzhytskyi, N. Tkalenko, T. Shestakovska, and O. Mykhailovska. "CURRENT ISSUES OF PUBLIC FINANCE MANAGEMENT IN UKRAINE." Financial and credit activity problems of theory and practice 5, no. 40 (November 8, 2021): 135–44. http://dx.doi.org/10.18371/fcaptp.v5i40.244915.
Full textAbstract:
Abstract. The article describes the approaches to defining the essence of understanding «public finance» and «public finance management» in the context of administrative and financial decentralization. A study on the current state of economic development of Ukraine is carried and the public financial management system is analyzed. The dynamics of the ratio of revenues and expenditures of the State and local budgets is shown and the national and subnational levels in the financing of public expenditures are described. The sequence of achieving a new level of welfare of the population is presented and the ways of state influence on local economic development are outlined. The content of the state’s activity on financial resources management and public importance of finances is given. Particular attention is paid to the financial capacity of UTC and the existing positive developments within the decentralization reform in Ukraine. The need to improve the management of public finances was emphasized, as it was evidenced by the size of the budget deficit. The division of budget expenditures by functional classification between the national and subnational levels is presented and the decline of financial independence of subnational budgets is witnessed. An assessment of the level of confidence in financial asset management services of territorial communities based on the calculation of the relevant index is made, and the relationship between the selected indicators (the monetary expenditures of the population; deposits of individuals in investment funds; population savings; volume of capital investments; volume of investments in Ukraine; assets of investment funds) and the level of public confidence in the management of UTC financial assets is researched. Keywords: financial management, public finance, financial capacity of territorial communities, financial assets. JEL Classification H70, H89, R59, Q01 Formulas: 1; fig.: 5; tabl.: 3; bibl.: 20.
11
Solongo, Ganbold. "Financial Resources Management for SME`S of Mongolia." International Business Research 10, no. 6 (May 18, 2017): 145. http://dx.doi.org/10.5539/ibr.v10n6p145.
Full textAbstract:
This paper Financial resources management analyzes the sources of financing for the medium enterprises in Mongolia by comparing between limited liability companies and public listed companies who are actively working in trading, manufacturing and service providing companies external and internal sources of finances. The paper gives an overview of the related theories of financial sources and capital structuring and aimed to approve based on the empirical studies on the selected three different industries 14 companies (based on the empirical studies done on 14 companies within three different industries). This paper also defined an optimal capital structure for the selected industries and each company based on the scenario analysis and assumptions. This paper investigates the sources of financing for the medium enterprises in Mongolia in different ownership structures by a capital structure theories and their impact on corporate financial performances. There are several theories regarding the process of business financing in general, companies can obtain sources of finances from short term sources, debt finance, venture capital, equity finance and internal sources.
12
Agung Nur Probohudono, Indrian Supheni, Rahmawati,. "Impact Of Village Financial Implementation On Village Financial Management Accountability." Jurnal Ekonomi 24, no. 1 (April 2, 2019): 111. http://dx.doi.org/10.24912/je.v24i1.479.
Full textAbstract:
Accountability in the implementation and management of village finance is very important. Requires the village government to manage village finance professionally, effectively and efficiently, and responsibly. One source of village income that functions as a source of village operational activities and for community empowerment is the Village Fund. With the receipt of this fund, the village government must be prepared and able to manage village finance based on the principles of transparency, accountability, and participation in accordance with Minister of Home Affairs Regulation No. 113 of 2014. The purpose of this study is to determine the effect of village finance on village financial management accountability. The subject of this study was the village government in East Java. The sample in this study were 374 villages. The results show that the implementation of income receipts, expenditure implementation, and financing implementation have a significant influence on the accountability of village financial management.
13
Chernadchuk, Viktor, Viktor Sukhonos, and Inna Shkolnyk. "The notion and content of financial system in the context of financial law of Ukraine." Problems and Perspectives in Management 15, no. 2 (July 26, 2017): 234–45. http://dx.doi.org/10.21511/ppm.15(2-1).2017.07.
Full textAbstract:
The financial system of the advanced countries develops according to two basic models – a bank-based system and a market-based system, depending on the level of protection of the rights of owners, investors and lenders. A paradigm shift in functioning of global financial system and financial systems of all countries is based on financial law, which formalizes all financial relations. Reviewing the financial system of Ukraine, the researchers pay a special attention to public finance due to its substantial share in redistribution of Ukraine’s GDP. A comparative analysis of the concept “financial system” makes it possible to draw a certain analogy with the approaches of experts in financial law. From the economic point of view, a country’s financial system includes three key areas – state finance, household finance and corporate finance, which are closely interrelated. Matching these three spheres with the legal approach, state finance is defined as public finance, while household finance and corporate finance are referred as private finance. The financial market functions as a part of the financial system. In economic terms, the financial system is a dynamic and open environment, while it implies an intense movement of financial resources, a rapid emergence of new financial instruments and integration into the global financial market. From the legal point of view, the financial system is a static financial and legal phenomenon, which includes centralized and decentralized public funds, as well as funds of business entities and individuals.
14
Kusumadyahdewi, Kusumadyahdewi. "PENGETAHUAN KEUANGAN DI KALANGAN MAHASISWA." J-PIPS (Jurnal Pendidikan Ilmu Pengetahuan Sosial) 2, no. 2 (June 30, 2016): 118. http://dx.doi.org/10.18860/jpips.v2i2.6839.
Full textAbstract:
Currently, variety of banking products to facilitate customer transactions. So it is important to know about the knowledge of finance, including financial products. This research measures the student's understanding on financial knowledge consists of knowledge of personal finance, savings and loans, insurance, investment. The student has followed the course of accounting and financial management largely discusses financial firms, but researchers always explains its application to personal finances when teaching the subject. Measurement of the level of knowledge using questionnaires, then measured using the percentage of correct answers. Knowledge of personal financial management has been good, while knowledge of savings and loans, insurance, investments are at a low level. This study has shown the importance of improving the material being taught on the subject to expand the application on personal financial management, and understanding of banking products, insurance and investment, because students will also go to the public where it will be related to its financial problems. so hopefully with his knowledge of finance can finish well. <br /><strong>Keywords</strong>: personal finance management
15
Samorodov, Borys, Galyna Azarenkova, Olena Golovko, Kateryna Oryekhova, and Maksym Babenko. "Financial stability management in banks: strategy maps." Banks and Bank Systems 14, no. 4 (November 20, 2019): 10–21. http://dx.doi.org/10.21511/bbs.14(4).2019.02.
Full textAbstract:
To prevent crises in the economy, it is necessary to ensure the financial stability of banks, which is one of the main tasks facing the banking system.The purpose of this article is to develop tools for improving the efficiency of financial stability management in a bank based on strategy maps.Using UkrSibbank (Ukraine) as an example, two strategy maps are developed: a general management map and a local map – for the international payments division of the operational payments department. Structural elements of the designed strategy maps are: finances, clients, internal processes, training and development.Implementing the developed general strategy map in the bank’s practical activities involves the following measures: increasing financial stability; avoiding credit risk and optimizing the credit process; increase in profit; cost reduction; introducing new banking products; increase in the number of satisfied consumers; involvement and retention strategic clients.The developed strategy map for the international payments division of the operational payments department provides for the following measures: ensuring sufficient liquidity level of the bank’s balance sheet; introducing an effective system of analysis of origin of individuals’ and legal entities’ funds; direct correlation between employees of the international payments division and bank customers; timely informing customers regarding requirements updated.
16
PETLENKO, Yuliia, and Tymur KOTOVSKYI. "PUBLIC FINANCE MANAGEMENT IN UKRAINE: PROBLEMS AND SOLUTIONS." WORLD OF FINANCE, no. 1(50) (2017): 21–28. http://dx.doi.org/10.35774/sf2017.01.021.
Full textAbstract:
Introduction. Building an effective and fair system of public finance is an important stimulus for the dynamic development of economy of Ukraine. In this case, balance and rationality of financial resources of Ukraine will contribute to creating an enabling macroeconomic environment for business and investment growth and provide guaranteed stability in the system of social protection. However, imbalances and problems in public finances are able to form a threat to national economic development. According to this the article is devoted to coverage of topical issues of public financial management in Ukraine and defining their solutions via the implementation of a new model of government – the transfer of key business practices in public administration. Results. Main solution for issues in a public finance management should be the implementation of the new government model which is based on using main principles of corporate finance management in public area. New government model includes elastic system of compensation to public officers which is based on KPIs, decentralization of budget system and controlling by independent auditor. Conclusion. The implementation of a new model of public administration requires systematic and deep reforms, which required considerable significant time and financial resources.
17
Todorovic, Miroslav. "Psychology and financial management: Behavioral corporate finance." Ekonomika preduzeca 59, no. 5-6 (2011): 275–87. http://dx.doi.org/10.5937/ekopre1106275t.
Full text
18
Isa, Khairunesa, Abd Rahman Ahmad, Rosman Md. Yusoff, Fauziah Ani, and Fadzlunesa Isa. "NEWS Analysis Towards Youth Financial Competency Management." International Journal of Engineering & Technology 7, no. 2.29 (May 22, 2018): 1151. http://dx.doi.org/10.14419/ijet.v7i2.29.15146.
Full textAbstract:
This is a descriptive study of the financial management competency of rural youth. Around 200 youths from areas of Parit Raja, Batu Pahat Johor participated as respondents for this study. Lack of knowledge in managing finances and imbalance in mitigating lifestyles are chief factors which caused youth to be within the highest group declared bancrupt in 2014. 36 items in the survey was ued as intrument for this study which are respondents’ background, spending pattern based on NEWS Analysis, competeny level in financial management and challenges faced in managing finances. Results yielded showed that expenditure pattern for youth in ‘needs’ are significantly higher than those in ‘wants’. Eventhough the ratio is rather small which is 1:30, the level of competency of youth finance is rather high at the value of min 4.04. Nevertheless, the challenges faced by respondents are at an average level (min=3.14). In conclusion, rural youths has high level of literacy. This is due to the exposure obtained when they were young and spending pattern based on NEWS Analysis. Hence, even though youth faced obstacles they are nevertheless aware and know the steps which need to be taken to ensure the stability of their finances.
19
Javid, Attiya Y., and Robina Iqbal. "External Financial Resource Management by Listed Pakistani Firms." Pakistan Development Review 46, no. 4II (December 1, 2007): 449–64. http://dx.doi.org/10.30541/v46i4iipp.449-464.
Full textAbstract:
Enterprises need finance for investment and acquire it either by internally generated finance or externally generated finance, which are closely related to the ownership structure, financial market development and enforcement of law of a country. In underdeveloped companies with foreign owners have an advantage in their access to external finance as compare to domestically owned companies because their financial resources coming from abroad. Access to external finance is a key determinant of a firm’s ability to develop, operate, and expand. Economic researchers have studied how various macroeconomic and microeconomic factors influence such access; for example, it has been shown that the need of external finance to depend on the macroeconomic environment, since economic downturns tend to limit firms’ ability to borrow and banks’ willingness to lend. This “credit channel” research argues that corporate access to credit is the principal mechanism linking monetary policy and the real economy. At the micro level, research has shown that characteristics specific to a firm influence the degree to which macroeconomic changes affect its access to external financing; specifically, firms that are more vulnerable financially—such as smaller, younger, riskier, and more indebted firms—are found to be more affected by tighter monetary policy.
20
Mitić, Snežana, and Dejan Andrejevic. "OPENNESS OF LOCAL GOVERNMENT AND GOOD FINANCIAL MANAGEMENT." Knowledge International Journal 28, no. 5 (December 10, 2018): 1607–12. http://dx.doi.org/10.35120/kij28051607s.
Full textAbstract:
The subject of the research is the local self-government, with a good reason, as it has much more contact with the daily life of citizens than the central government and it is mainly directly responsible for the state of healthcare, building maintenance, education, cleanliness and the environment, as well as for ensuring the functioning of basic systems, such as water and sewage. The third chapter is devoted to good public finance management. It is extremely important to recall the fact that the budget must integrate with other areas of financial operations, even if that business is carried out by a state body, regardless of the Treasury or the Ministry of Finance. The public sector debt has become a "deceptive factor" that achieves budget stability. Internal control measures should be introduced into each organization and incorporated into its procedures. The new concept of the budget system in public finances of the Republic of Serbia determines the efficiency of public expenditure management with the introduction of a multi-level control system. In addition to establishing a budget inspection and audit, one of the multi-level controls is the system of introducing internal control.
21
Geck, Caroline. "Book Review: Personal Finance: An Encyclopedia of Modern Money Management." Reference & User Services Quarterly 55, no. 1 (September 25, 2015): 76. http://dx.doi.org/10.5860/rusq.55n1.76.
Full textAbstract:
This single-volume reference offers access to overviews of financial ideas and concepts, key events, and business figures that have shaped modern personal finance and money management. The editor, Barbara Friedberg, the author of How to Get Rich: Without Winning the Lottery and Invest and Beat the Pros—Create and Manage a Successful Investment Portfolio and founder of the popular website BarbaraFriedbergPersonalFinance.com, has compiled an invaluable and easy-to-use reference to increase financial literacy and independence among American citizens across different age brackets and life stages, especially young adults who are handling personal finances and making financial decisions for the first time.
22
Waliszewski, Krzysztof, and Anna Warchlewska. "Financial technologies in personal financial planning: robo-advice vs. human-advice." Ruch Prawniczy, Ekonomiczny i Socjologiczny 82, no. 4 (December 30, 2020): 303–17. http://dx.doi.org/10.14746/rpeis.2020.82.4.22.
Full textAbstract:
The paper presents the essence of financial technologies in personal financial planning, especially robo-advice. The main aim of the paper is to describe the presumptions for the development of robo-advice. An analysis of robo-advice on personal finance management was made. The analysis was based on a review of the subject literature, and on primary and secondary research. Particular attention was paid to the intensification of activities in the implementation of modern solutions and tools supporting the management of personal finances and the gradual development of robo-advisors. Modern solutions are still struggling with great distrust on the part of their current and potential customers, and the development of modern technologies in liquidity and asset management still requires a human factor.
23
Fitriani, Yuni. "ANALISA PEMANFAATAN APLIKASI KEUANGAN ONLINE SEBAGAI MEDIA UNTUK MENGELOLA ATAU MEMANAJEMEN KEUANGAN." Journal of Information System, Applied, Management, Accounting and Research 5, no. 2 (May 20, 2021): 454. http://dx.doi.org/10.52362/jisamar.v5i2.432.
Full textAbstract:
Abstract:
The existence of information technology provides many benefits in many aspects of life, especially if we are able to maximize the use of such technology, one of which is the emergence of online financial management applications as a medium to manage or manage finance both personal and business finance. This online financial application makes it very easy to plan budgets and record expenses as well as to make financial statements. In this study, online financial applications include financial applications that help manage personal or individual finances, families as well as businesses such as online financial applications Bukukas, BukuWarung, Keuanganku and Money Lover. The research method used in this study is a semi descriptive quantitative method. Where the purpose in this research is to explain the utilization of online financial applications as a medium for managing and managing finance. Online financial applications such as BukuKas, BukuWarung, FInansialku and also Money Lover proved very useful in managing or managing personal finances or individuals, families and also UMKM well, namely in terms of managing income, expenses, investments, receivables and financial statements. In addition, it is more effective and efficient also in terms of financial management time by using the online financial application.
24
Kumanireng, Natalia Sigo, and Haryati Setyorini. "The Effect of Financial Literacy, Income and Financial Attitudes on Family Financial Management for Low Income People." Journal of Finance and Business Digital 1, no. 4 (December 30, 2022): 349–66. http://dx.doi.org/10.55927/jfbd.v1i4.2398.
Full textAbstract:
The importance of education, especially in increasing understanding of finance for the community, is very important to do. Knowledge of financial management is very important, especially in managing and also managing family finances, especially for people who live in Lembata Regency (Flores-NTT). The purpose of this study is to find out how financial literacy skills are for the people of Lembata Regency. In this study, researchers used a sample of people living in the Lembata Regency (Flores-NTT). The sampling technique used in this study was purposive sampling, then data collection was carried out online using Google Forms by adjusting to the research criteria so that researchers used 100 respondents, and used wrap PLS to test research instruments and analysis. The results of this study indicate that financial literacy has a significant positive effect on family financial management, income has a significant positive effect on family financial management and financial attitude has a significant positive effect on family financial management.
25
Zeng, Ting. "Financial Management of the Company for Financial Crisis." Applied Mechanics and Materials 34-35 (October 2010): 1185–89. http://dx.doi.org/10.4028/www.scientific.net/amm.34-35.1185.
Full textAbstract:
Corporate Finance is a business process the company forecast capital movement, organization, coordination, analysis and control of a decision-making and management activities. If the long-term store the excess corporate cash, will result in capital investment flow can not, can not be profitable. At the same time, enterprises need to expand production but difficult to raise funds. Therefore, SME Banking, the key is enterprise fund safety, liquidity and profitability of organic combination.
26
Rasheed, Rabia, Sulaman Hafeez Siddiqui, Iqbal Mahmood, and Sajjad Nawaz Khan. "Financial Inclusion for SMEs: Role of Digital Micro-financial Services." Review of Economics and Development Studies 5, no. 3 (July 30, 2019): 429–39. http://dx.doi.org/10.26710/reads.v5i3.686.
Full textAbstract:
SMEs paly major role in poverty reduction and employment generation, therefore experts considered this sector as engine of economic growth. However, access to finance in developing countries is one of major issue in development of SME sector as well as hurdle in economic growth. Financial institutions banking and non-banking shows reluctant behaviour in providing financing to SMEs and the issue is more severe in emerging economies. Bank financing has been found as main source of funds for SMEs in Pakistan, however, to obtain these funds not easy for small and medium firms. Recently digital micro financial services have been introduced by a number of micro finance banks. Current study examines the role of digital micro financial services in enhancing SMEs’ access to finance and thereby enabling a more inclusive financial market for SMEs especially in context of emerging and developing economies. By digging out the existing literature and secondary data, the study discusses that digital financial services have greatly helped owner managers of SMEs in smooth management of their transactions and finances. The study concludes that to strengthen SME sector for economic growth, it is important to further reduce the cost of using digital financial services and increase the financial product portfolio on digital platforms.
27
Rosnidah, Ida, Arinal Muna, Ayatulloh Michael Musyaffi, and Nelia Fariani. "Improving accountability of village funds through village financial management based on government accounting standards." Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat 5, no. 1 (May 3, 2021): 1–6. http://dx.doi.org/10.12928/jp.v5i1.1957.
Full textAbstract:
The government organizes the village fund within the framework of fulfilling the ideals of the Indonesian people, namely the existence of equal distribution in each region. The amount of village funds requires the village government to make transparent financial reporting. However, not all village governments are able to manage village funds properly. So, this dedication is to help the village government make and request financial reports according to the standards. This activity is carried out within a period of 2 months with several meetings. Each participant will be guided to be able to manage finances so that they can be requested. The object of this research is the village head, village secretary, finance department, and treasurer in Battembat village, Tengah Tani sub-district, Cirebon. The results of this study it is known that the finance department has been able to make financial records both manually and in systems. Financial information in the financial process into financial reports is sufficient for decision-making material. According to information, this finance section has also been adapted to the Siskeudes application which is also supported by the program section.
28
Islah, Khikmatul, Cundo Harimurti, and Miroslaw Matyja. "The Effectiveness of the Role of Internal Control System in the Preparation of Regional Financial Statements." Ilomata International Journal of Social Science 3, no. 1 (March 1, 2022): 402–14. http://dx.doi.org/10.52728/ijss.v3i1.427.
Full textAbstract:
The existence of regional autonomy supports changes in various sectors, including changes in financial management. This is evidenced by the birth of three packages of laws in the field of state finance, namely: Law Number 17 of 2003 concerning State Finance; Law Number 1 of 2004 concerning the State Treasury; and Law Number 15 of 2004 concerning Examination of the Management and Accountability of State Finances. These three packages of laws regulate the management of state finances more democratically and regulate sanctions for managers of state finances. To support the implementation of regional autonomy in financial management, it is necessary to anticipate deviations in the preparation of financial statements. This study aimed to analyze the Effectiveness of the Role of the Internal Control System in the Preparation of Regional Financial Reports. The research approach is a descriptive qualitative approach. The method of analysis uses a literature study. The study results on the Effectiveness of the Role of the Internal Control System in the Preparation of Regional Financial Reports indicate that the internal control system has an effective role in preparing regional financial reports. But this internal control system cannot be said to be perfect. The internal control system still has limitations because this control system is a form of prevention, reduction, improvement of deviations.
29
K. Srinivasan and Dr. S. Rajarajeswari. "Financial Technology in Indian Finance Market." International Journal of Engineering and Management Research 11, no. 2 (April 30, 2021): 206–11. http://dx.doi.org/10.31033/ijemr.11.2.29.
Full textAbstract:
The purpose of this paper is to discuss issues such as fintech drivers, shortcomings of traditional financial services, and the role of technological advancement. The paper also addresses issues concerning fintech investment and disruption. It refers to financial technology challenges such as investment management, customer management, and regulation. The paper examines the evolution of fintech in the global market over time.
30
Mehta, Bhoomi Ruchit. "Sunshine Fastech Pvt. Ltd.: working capital financing decision." Emerald Emerging Markets Case Studies 10, no. 2 (April 30, 2020): 1–37. http://dx.doi.org/10.1108/eemcs-10-2019-0273.
Full textAbstract:
Learning outcomes The learning outcomes of this paper is to understand the working capital finances offered by bank; comprehend application by the company, loan proposal and bank procedure for additional finance; compute, analyze and interpret financial statements of company and its peers; and assess various factors to be considered while taking loan sanctioning decisions. Case overview/synopsis Sunshine had expanded its business by starting in-house manufacturing of a few stages of production of fasteners. Sunshine was in urgent need of additional finance for working capital and had applied to Rajya Bank of India Ltd. (RBIL), requesting to enhance working capital finance limits and other changes. Ruchit Mehta, Relationship Manager of S.G. Highway Branch of RBIL have to assess this request and include his evaluations in the proposal, which he had to present to Assistant General Manager of RBIL. Complexity academic level MBA or related program in finance courses such as financial management, corporate finance, financial statement analysis, bank management/finance and training program on “credit management” for bank employees. Supplementary materials Teaching Notes are available for educators only. Subject code CSS 1: Accounting and Finance
31
Stentoft, Lars. "Computational Finance." Journal of Risk and Financial Management 13, no. 7 (July 4, 2020): 145. http://dx.doi.org/10.3390/jrfm13070145.
Full textAbstract:
The field of computational finance is evolving ever faster. This book collects a number of novel contributions on the use of computational methods and techniques for modelling financial asset prices, returns, and volatility, and on the use of numerical methods for pricing, hedging, and risk management of financial instruments.
32
Raya Khajibaevna, Karlibaeva. "THEORY OF FINANCE AND FINANCING STRATEGIES." International Journal of Advanced Research 9, no. 02 (February 28, 2021): 547–50. http://dx.doi.org/10.21474/ijar01/12480.
Full textAbstract:
This work discusses the theory and strategies of finance. Financing strategies are essential factorsthat play significant roles during the lifetime of a client to assist clients inmeeting financial goals such as education planning, investment planning,retirement savings, and income planning.With an uncertain economy, afinancial planner is needed to help consumers prioritize their finances to achieve longâ€term financial stability throughout these tough times. Thereare numerous options for financing financial goals. These various optionsoften make financial management much more difficult for a client. As part ofthe financial planning process, recognizing and evaluating financing strategiesis of the utmost importance in helping clients set and achieve shortâ€term andlongâ€term goals. This recognition will also aid clients in their financial decision-making and provide a consistent track to meet these financial goals. Afinancial planner should stress the importance of financing strategies, includingcash flow management, debt management, borrowing, and financial goals. The author tries to explain the given topic wider by eliciting several examples and charts as well.
33
Charaeva, M. V. "Designing financial operations as part of corporate finance management." Digest Finance 25, no. 2 (June 29, 2020): 124–39. http://dx.doi.org/10.24891/df.25.2.124.
Full textAbstract:
Subject. Nowadays, it is impossible to manage corporate finance without making prompt financial decisions, which grow even more important as the Russian economy is volatile. Therefore, it is important to design financial operations, with the solvency and endowment of financial resource being at the forefront as the basis for the strategic corporate development. Objectives. I find and test tools for designing financial operations and performance. Methods. I apply the systems approach to substantiate the conclusions I present. Studying the financial operations of enterprises, I use methods of logic and structural analysis, synthesis, induction, deduction, graphic representation, mapping of relationships. Results. Tasks of financial operations were identified one-by-one. Hence, I made templates of key financial documents, which will help streamline the performance of financial specialists and avoid financial gaps in corporate finance. Conclusions and Relevance. I achieved theoretical and practical results to promote the development of the corporate finance methodology. If financial operations are effectively managed, there will be the basis for the strategic development and financial sustainability of an enterprise. The findings can be used by financial managers to handle corporate finance in the future.
34
Tumunbayarova, Zh, I. Bochkareva, and E. Derevtsova. "Improvement of the quality assessment methodology Of municipal finance management." Transbaikal State University Journal 26, no. 9 (2020): 121–31. http://dx.doi.org/10.21209/2227-9245-2020-26-9-121-131.
Full textAbstract:
The problem of improving the quality of state and municipal finance management is very urgent at the present time. The purpose of the study is an attempt to substantiate the need to improve the methodology for assessing the quality of municipal finance management. One of the tasks is to test the hypothesis: municipalities with the population involved in the processes of initiative budgeting are most efficient in managing municipal finances. The object of the study is the municipalities of the Transbaikal region. In the course of the study, an analysis of the regional legal acts concerning the assessment of the quality of municipal finance management was carried out, as well as an analysis of this assessment in the context of some municipalities (urban districts) of the Transbaikal region. The analysis showed that the methodology for assessing the quality of municipal finance management in the constituent entities of the Russian Federation is based on indicators characterizing the state of municipal finance and does not fully cover indicators of the quality of local authorities’ management decisions. The analysis also revealed a correlation relationship between the financial management quality of the municipal entity of the Transbaikal region and the degree of population involvement in the budget process. The article concludes that it is necessary to improve the existing methodology for assessing the quality of municipal finance management. The method based on 3 groups of indicators - the state of municipal finances, the level of municipal programs (national projects) implementation, the quality of municipal finance management is proposed. In order to improve financial discipline and transparency of the budgetary process, the author proposes to introduce a pilot project to develop initiative budgeting in municipalities
35
Siswoyo, Ucik Nurul Hidayati, and Nadia Asandimitra. "Pengaruh Income, Debt, Gender Differences, Financial Literacy, dan Financial Attitude terhadap Financial Satisfaction." Jurnal Ilmu Manajemen 9, no. 4 (December 30, 2021): 1549–62. http://dx.doi.org/10.26740/jim.v9n4.p1549-1562.
Full textAbstract:
This study examines the financial satisfaction among the employees in the District of Sidoarjo, as well as to analyze the relationship between income, debt, gender differences, financial literacy, and financial attitude. The object of this research is the employees in the District of Sidoarjo and techniques of data collection using the technique of purposive sampling and snowball sampling. Total respondents obtained is 298 by distributing questionnaires online. This research is conclusive causality and using the analysis technique of Structural Equation Modeling (SEM) in AMOS software version 24. The results of this study showed that the debt and financial attitude have a significant effect on financial satisfaction, while the variable income, gender differences and financial literacy does not affect the financial satisfaction. This study can be a useful reference for a variety of parties, especially labour/employees/employee where you should always act and behave better in financial terms, because the attitude towards finance plays an important role to determine the success or failure of the financial behavior of individuals. The high attitude of the individual financial can determine the high awareness in responsible for the expenditure of finances, so it will cause a positive impact on the behavior of financial management to achieve the satisfaction of personal finance.
36
Magdalena, Hilyah, Hadi Santoso, and Litha Leonita. "Sistem Pendanaan Proyek Perusahaan Jasa Konstruksi Berbasis Web." INFORMAL: Informatics Journal 6, no. 3 (December 20, 2021): 121. http://dx.doi.org/10.19184/isj.v6i3.26853.
Full textAbstract:
CV. Yusti Karya as a construction company realizes that the ability to manage project finances is an important requirement for smooth project management. CV.Yusti Karya often has to manage several projects simultaneously in remote locations. This condition makes it difficult for the finance staff in the office to manage project financial allocations and also makes it difficult for project managers in the field and must report the status of project expenditures to the office. This difficulty drives CV. YustiKarya improved the project's financial management system from using spreadsheets to a web-based information system. Web-based information system will be developed using object-oriented methods. The object- oriented system development method was chosen because of its modular development capabilities and adapts to system requirements. The development of this system aims to enable Person in Charge (PIC) projects in the field to submit expenditures and can be immediately approved by the financial staff in charge. Online project finance management between project PICs and finance staff helps harmonize financial management. The Director can monitor the flow of the latest project finance developments online.
37
Herman, Michele, and Balasundram Maniam. "Personal Finance Education: An Early Start To A Secure Future." College Teaching Methods & Styles Journal (CTMS) 3, no. 1 (July 22, 2011): 39. http://dx.doi.org/10.19030/ctms.v3i1.5274.
Full textAbstract:
The lack of mandated personal finance curriculum in American schools is an issue that has gained considerable momentum in recent years. Studies have indicated that personal finance education contributes to financial literacy and financial success. Although some strides have been made to incorporate personal finance education into core curriculum, statistics show that American students are financially illiterate. This paper investigates the impact of personal finance education on financial well-being and presents arguments for including personal finance education into core curriculum. This paper also provides an overview of the current trends in the US economy that are dramatically affecting the financial management behaviors of American households and their financial well-being
38
Sajuyigbe, Dr Ademola Samuel, Tajudeen A. Odetayo, and Adewumi Z. Adeyemi. "Financial Literacy and Financial Inclusion as Tools to Enhance Small Scale Businesses’ Performance in Southwest, Nigeria." Finance & Economics Review 2, no. 3 (September 24, 2020): 1–13. http://dx.doi.org/10.38157/finance-economics-review.v2i3.164.
Full textAbstract:
Purpose: The study sought to examine the impact of financial literacy and financial inclusion on small businesses’ overall performance with special reference to Southwest Nigeria.
Methods: Descriptive survey research sketch was adopted for this study, while the purposive sampling method was employed to choose forty small scale businesses registered with SMEDAN from each state capital of South Western of Nigeria that engaged in petty trading, bakeries, block-making, soup-making, tailoring, and agro-allied, totaling 240 participants as a sample size for the study. Data were collected by using a closed-ended questionnaire designed for the study, while simple percentage, mean, standard deviation, Pearson Product Moment Correlation (PPMC), and Ordinary Least Square (OLS) was used to analyze the data.
Results: The findings disclose that financial literacy and financial inclusion jointly and independently affect small businesses’ performance. It revealed a positive and significant relationship between financial literacy and financial inclusion. However, the study depicts that majority of business operators did not have financial knowledge such as working capital management, accounting records system, financial reporting, cashbook maintenance, income statement, daily cash reconciliation, internal control on cash, and cash budget. Also, the study confirmed that the majority of small business entrepreneurs are financially excluded from micro-financing, emergency loans, employ purchase financing, business bank loans, and micro-insurance plan Services.
Implications: The implication of this study is that if the Central Bank of Nigeria partnership with other professional organizations to promote financial literacy and inclusion programs to all business entrepreneurs across the nation, it will motivate more business entrepreneurs in Nigeria to have access to finance.
39
Kanyamuna, Vincent, and Yacouba Dit Zonon Kone. "Reforming the Public Financial Management System for Better Performance Budgeting in Ivory Coast." Advances in Social Sciences Research Journal 9, no. 8 (August 15, 2022): 101–21. http://dx.doi.org/10.14738/assrj.98.12803.
Full textAbstract:
Reforming the public finance management system has always been one of the areas which retain more attention when country leaders and development partners want to create a good environment to facilitate poverty alleviation. This study aimed at investigating the way in which Ivory Coast could reform its public financial management (PFM) for a better performance budgeting in order to achieve its goals of poverty reduction. As a matter of fact, PFM reform is important to secure long-term economic success, to increase the transparency and accountability in country resource management, and create a better service delivery for citizens. Ivory Coast’s authorities are aware of this, after some years of economic crises in the 1980s and 1990s and a diagnosis of its public finance management system in 1999 which highlighted some dysfunctions, have started a huge public finance management reforms. The study has revealed that these reforms have helped to achieve such a unified budget and implement the Public Finance Management Information System (SIGFiP). Despite the political and military crisis that began in 2002 and lasted ten years, the implementation of these reforms has prevented the deterioration of fiscal indicators. There is evidence that without these reforms, the situation of public finances would worsen further.
40
Editor, Donald Levitan,, and Stanley B. Botner. "Pulic finance. State budgeting and financial management trends." National Civic Review 76, no. 4 (July 1987): 359–65. http://dx.doi.org/10.1002/ncr.4100760414.
Full text
41
Prikhno, Iryna, Valentyna Kuksa, and Ivaylo Mihaylov. "The Use of Information Technology in Financial Management." SHS Web of Conferences 100 (2021): 01007. http://dx.doi.org/10.1051/shsconf/202110001007.
Full textAbstract:
The article explores the concept of information technology and clarifies the essence of information technology in finance. The types of information technology in finance have been studied and their classification according to business entities has been carried out. A brief description of the main software products, the purpose of which is to ensure the implementation of the process of automation of financial research is given. The main tools for managing household (or person) finance using modern information technology are presented. The implementation of e-government in Ukraine is analyzed. The evaluation of the effectiveness of e-government implementation with the help of E-Government Development Index in Eastern European countries and in Ukraine is performed. A detailed analysis of the E-Government Development Index in Ukraine using a system of indicators has been studied. Digital technologies in the economy in general and in finance in particular have been studied separately. The indicators of world indexes digital economy development for Ukraine and for Eastern European countries are analyzed. The advantages and problems of the modern cryptocurrency market are clarified. The main directions of using artificial intelligence in finance are determine.
42
Zulfikar, Z., and Wahyuni Sri. "The impact of discretionary loan loss provision of sharia financing on financial performance." Banks and Bank Systems 14, no. 4 (November 28, 2019): 34–41. http://dx.doi.org/10.21511/bbs.14(4).2019.04.
Full textAbstract:
This study aims to investigate the role of discretionary loan loss provision of sharia financing on the Islamic commercial banks’ financial performance in Indonesia. Partial Least Squares-Structural Equation modeling (PLS-SEM) is used to examine the relationship between loan loss provisions and financial performance in 13 Islamic commercial banks for 4.5 years. The analysis of the outer model shows that the probability of default and loss given default are determinants of loan loss provision, while financial performance is determined by return on assets, non-performing financing, net operating margin, and operating costs on operating income. The results of this study indicate that loan loss provisions have a direct effect on financial performance. Further investigation shows that the return on sharia financing contributes to increasing the impact of loan loss provisions on financial performance (indirect influence). The findings contribute to the literature by showing that discretionary loan loss provision can occur in sharia financing. The study is very important in terms of awareness of management behavior related to financial performance. The study has implications for management policies related to the prerequisites of potential clients.
43
Cantürk, Kayahan, and Murat Tolga. "The Evolution of Financial Risk Management." Journal of corporate governance, insurance and risk management 9, no. 1 (August 17, 2022): 155–68. http://dx.doi.org/10.51410/jcgirm.9.1.10.
Full textAbstract:
Purpose: This paper aims to track the history of financial risk management and how this progress affected the evolution of financial risk management. In the first part of this paper, we will look at how risk is defined, the concept of risk management, and the transaction from risk philosophy to the risk culture. The second part examines the evolution of risk management and different models used in financial risk measurements, such as variance, covariance, standard deviation, and value at risk models. In the third part, the Bretton Woods system, its effects on the global financial system, and after the Bretton Woods system is studied. In the final cut, we conclude and present our recommendations for future studies.Methodology: This theoretical research will focus on the historical evolution of financial risk management and the financial tools used while measuring risk. The finance field has evolved with crises, technological developments, and globalization. While the finance field has been growing, how financial risks are defined, managed, and measured has also changed. In addition to these changes, the finance field was introduced with a new area called “blockchain” and new investment instruments called cryptocurrencies.Practical Implications: This theoretical research investigates the evolution of financial risk management from a historical perspective and argues that the current financial risk management tools are insufficient to project today’s risks fully.
44
Purba, Jhon Leonardo Presley, and Priyantoro Widodo. "Kajian Biblika Kebebasan Finansial Alkitabiah." Manna Rafflesia 8, no. 1 (October 31, 2021): 104–30. http://dx.doi.org/10.38091/man_raf.v8i1.188.
Full textAbstract:
Finance is an important aspect of human life, so having financial freedom is the hope of many people. But poor financial management often makes a person depressed and frustrated. For Christians, the topic of discussion about money and its management is also often considered taboo and has worldly connotations. But in fact, the Bible has a lot to say about money and the principles of its management. The purpose of this study is to build a biblical study of financial freedom by explaining biblical principles on financial management to gain financial freedom. This research is presented in a qualitative-descriptive form through a topical presentation on finance to conduct a study and theological construction of Biblical financial freedom. The data collection and analysis model used is a literature study. Biblical financial freedom is a construction of financial management based on biblical principles. The results of this study a person can have the right heart and morals in managing finances wisely and well, refrain from falling into debt and credit bonds, use the money to help others in need, dedicate all money and wealth to the glory of God with good management. , true, obedient, and faithful to tithe.
45
Musiał, Marta. "Zastosowanie instrumentów zarządzania finansami osobistymi w polskich gospodarstwach domowych." Kwartalnik Kolegium Ekonomiczno-Społecznego. Studia i Prace 4, no. 3 (December 13, 2015): 233–43. http://dx.doi.org/10.33119/kkessip.2015.4.3.16.
Full textAbstract:
One of the most important elements of managing personal finances is collectionof data needed for the analysis of household’s financial situation. The mostpopular personal finance management tools include financial statements (balancesheets and cash flows) and household budget. The purpose of this article isto determine how Polish households use the basic personal finances management tools. The article will characterize the tools and present the results of primarystudies concerning the use of these tools by Polish households.
46
Bank, Ol'ga. "FEATURES OF FINANCE MANAGEMENT OF CRISIS COMPANIES." Russian Journal of Management 9, no. 1 (April 14, 2021): 126–30. http://dx.doi.org/10.29039/2409-6024-2021-9-1-126-130.
Full textAbstract:
The current crisis makes the issue of selection, implementation and implementation of such managerial variations and methods that will contribute to the recovery of the company as urgent as possible. In modern practice, one of the most common solutions is the optimization of financial assets.
Financial management of companies in crisis involves the use of special management tools aimed at preventing and eliminating financial crises, in addition, at minimizing negative consequences in terms of finance. It is believed that in order to be fully prepared for any kind of crisis manifestations and mitigate their consequences, business entities need to be prepared and equipped with special preventive (pre-crisis) methods in a timely manner, before the crisis.
47
Susandini, Aprilina, and Miftahul Jannah. "TINGKAT PENDAPATAN, POLA KONSUMSI, DAN POLA MENABUNG PETANI GARAM DALAM PERSONAL FINANCE." PERFORMANCE: Jurnal Bisnis & Akuntansi 11, no. 1 (March 31, 2021): 11–27. http://dx.doi.org/10.24929/feb.v11i1.1321.
Full textAbstract:
Personal finance is a financial management scope was used to manage finances from respective person. A good quality of life requires a good financial and a good financial can be achieved with proper financial planning. Financial management of personal occurs for salt farmers too who have income in seasonal. This study aims to describe Salt farmers Madura income level, consumption, and savings in personal finance. This research conducted on 6 villages on Madura as Salt Island, namely Pangarengan and Ragung in Sampang City, Dasuk and Lembung in Pamekasan city, Karanganyar and Pinggirpapas in Sumenep city. 130 respondents was used on this study with purposive sampling technique and descriptive quantitative as a research method. The results show the factors such as: dry season duration, production, farmer categories, productivity levels, salt prices, profit-sharing system, and side job have effect on income levels. Furthermore, that Madura salt farmers prioritize primary consumption with simple financial management. Besides, Madura salt farm also have savings with various pattern and type. They have gold (Jewelry) investment as the main choice.
48
Чечетова Н. Ф. and Чечетова-Терашвілі Т. М. "ФІНАНСОВА ГРАМОТНІСТЬ ЯК ЗАПОРУКА УСПІХУ УПРАВЛІННЯ ОСОБИСТИМИ ФІНАНСАМИ." World Science 2, no. 10(50) (October 31, 2019): 14–20. http://dx.doi.org/10.31435/rsglobal_ws/31102019/6725.
Full textAbstract:
The article deals with the problem of ensuring the financial literacy of the population as a key to the success of managing personal finances. The results of sociological research are analyzed, which confirm the low level of financial literacy and competence of the population of Ukraine in the sphere of personal finance. It also looks at possible investment decisions regarding the use of personal finance and the risks associated with such decisions. International experience confirms that improving financial literacy can only be achieved through the implementation of a comprehensive national policy that is one of Ukraine's top priorities. After all, competent management of personal finances contributes to both the enrichment of the individual and the financial stability of the state.
49
Vunjak, Nenad, Jelena Vitomir, Tamara Antonijević, and Petra Stojanović. "Investment Management Strategy in Financial Markets." ECONOMICS 6, no. 2 (December 1, 2018): 49–56. http://dx.doi.org/10.2478/eoik-2018-0025.
Full textAbstract:
Summary The subject matter of this research is investment management and its forms practiced in developed financial markets. The goal of this research is to elaborate on the strategies and characteristics of investment companies, hedge funds, venture capital funds, and LBO funds. Investments companies deal with professional management of financial assets of individual and institutional investors. Investment companies also deal with funds management. Hedge funds establish a pool of assets to invest in securities. The strategy of hedge funds is: aggressive growth, unpayable securities, financial markets, and market neutrality. Venture capital funds use the capital of investors to finance entrepreneurs and promising companies. They function as general partners, while the investors are limited partners. LBO funds use credits to finance acquisitions of companies. They collect their assets by: issuing shares, speculative bonds, and private placement of debt securities.
50
Shaferi, Intan, Rio Dhani Laksana, and Chandra Suparno. "Innovation of Infrastructure Financing Through Optimization of Financial Investment of Domestic Hajj Funds." IKONOMIKA 6, no. 2 (October 2, 2021): 247–58. http://dx.doi.org/10.24042/febi.v6i2.11168.
Full textAbstract:
The suitability ofothe management of Hajj funds to be invested inovarious infrastructure developmentoprojectsobasedoonosharia principles and laws and regulations can be a benefit. The use of hajj funds for infrastructure financing can increase the value of the benefits of hajj funds even though they contain risks. Therefore, the use of hajj funds to finance infrastructure investment requires further study. The author is interested in conducting a study of the suitability of the policy forotheomanagement (investment) of Hajj funds in infrastructure financing in relation to Law Number 34oof 2014 concerning Hajj Financial Management. The article uses descriptive narrative analysis method. Based on the review narrative literature and the Indonesia Government Policy during 2012 until 2020. The analysis used is top down by analyzing macro factors towards the study, especially innovation of infrastucture investment. The existence of this conformity will provide confidence that the interests of prospective pilgrims will always be prioritized. Based on conclusions research is: the price range of hajj finances may be invested to help financing/supplying infrastructure due to the fact hajj finance has the nature of being a deposit fund so that it resembles the use of the wadiah yadh dhamanah principle in an sharia finance attitude, making it possible for the Hajj Financial Control Agency (BPKH) to optimize the value of the benefits of the budget. And based on descriptive literature, the financial investment of hajj funds is aimed at obtaining optimal value for the benefit of improving the implementation of the hajj pilgrimage by prioritizing the security aspects of the prospective hajj pilgrims' funds.