scholarly journals Bosnia and Herzegovina Diagnostic Review of Consumer Protection and Financial Literacy in Banking Services

10.1596/25900 ◽  
2011 ◽  
Author(s):  
Keyword(s):  
Bosnia And Herzegovina ◽  
Consumer Protection ◽  
Financial Literacy ◽  
Banking Services

Pengaruh Literasi Keuangan Syariah, Islamic Branding, dan Religiusitas terhadap Keputusan Mahasiswa Dalam Menggunakan Jasa Perbankan Syariah

2021 ◽  
Vol 5 (2) ◽  
pp. 226-244
Author(s):  
Fajriah Salim ◽  
Suyudi Arif ◽  
Abrista Devi
Keyword(s):  
Financial Literacy ◽  
Research Method ◽  
Partial Least Square ◽  
Least Square ◽  
Islamic Banking ◽  
Analysis Tool ◽  
Islamic Banks ◽  
Banking Services ◽  
Independent Variables ◽  
Data Analysis Tool

This study aims to determine the effect of Islamic financial literacy, Islamic branding, and religiosity on student decisions in using Islamic banking services. The dependent variable in the study is student decisions, while the independent variables are Islamic financial literacy, Islamic branding, and religiosity. The data in this study were collected through questionnaires distributed to active FAI students class 2017-2018 who had transacted using Islamic banks. The research method used is quantitative. The population in this study are active students of FAI class 2017-2018 who have transacted using Islamic banks, with data collected totaling 100 respondents. The data analysis tool used in this study uses the Partial Least Square (PLS) approach. The results of this study indicate that there is a positive and significant influence of the Islamic financial literacy variable, Islamic branding on student decisions in using Islamic banking services, while the religiosity variable has a positive but not significant effect on student decisions in using Islamic banking services. Keywords: Using Islamic Banking Services, Islamic Financial Literacy, Islamic Branding, Religiosity, and Student Decisions

scholarly journals Region-Wise Usage of Banking Services – A study of Gujarat

2020 ◽  
pp. 106-109
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Rural Households ◽  
Primary Data ◽  
Structure Questionnaire ◽  
Banking Services ◽  
Financial Products ◽  
Substantial Progress ◽  
Indian Banks ◽  
Corporate Social

Financial services actively contribute to the humane & economic development of the nation. Financial services lead to social and economic safety hence, each & every individual should be provided with affordable institutional financial products/services popularly called ―Financial Inclusion‖. Despite witnessing substantial progress in financial sector reforms in India, it is overwhelming to note that nearly half of the rural households even today do not have any access to any source of funds (savings/credit) - institutional or otherwise. Hardly one-fourth of the rural households are assisted by banks. Hence the major task before banks are to bring most of those excluded, i.e. 75 percent of the rural households, under the mainstream of formal financial services. There is a need for the formal financial system to look at increasing financial literacy and financial counseling. As a part of corporate social responsibility now a day’s Indian banks and financial market players should actively look at promoting such programs. Financial products& services are identified as basic banking services like deposits accounts, institutional loans, access to payment, remittance facilities & also life & non-life insurance services. The present paper is an attempt to capture the region-wise usage of banking services. The study collected data of 900 respondents from five regions of Gujarat i.e. South Gujarat, North Gujarat, Central Gujarat, Saurashtra, and Kachchh. The study used a five-point Likert scale agreement method to understand the usage of banking services. Also, the study captured the demographic profile of respondents from. The primary data collected through a structure questionnaire.

scholarly journals Analisis Pengaruh Layanan Digital Perbankan Syariah terhadap Literasi Keuangan Syariah Generasi Milenial

2021 ◽  
Vol 6 (1) ◽  
pp. 75
Author(s):  
Rozaq Muhammad Yasin ◽  
Nurzahroh Lailyah ◽  
Mochamad Edris
Keyword(s):  
Financial Literacy ◽  
Sampling Method ◽  
Rating Scale ◽  
Positive Impact ◽  
Internet Banking ◽  
Banking Services ◽  
Descriptive Research ◽  
Digital Era ◽  
Quantitative Descriptive ◽  
Positive Effect

Good financial literacy, especially in the digital era now is important to be understood by millennials. The digitization of Islamic which is able to provide more efficient, safer, faster financial products and the risk of losing money is less well understood by this generation. Islamic digital banking services like mobile banking and internet banking, which describe the virtual process to support all services, are expected to be able to significantly increase the level of Islamic banking literacy and have a positive impact on business growth in general. This study used a quantitative descriptive research design. The sampling method used purposive sampling method. Data was obtained by using questionnaire which was distributed to 100 millennial respondents who used m-banking or i-banking in Kudus. The answers to the questionnaire were measured using a rating scale, then data was analysed by multiple linear regression. The results showed that m-banking and i-banking had a significant and positive effect to the literacy of millennials about Islamic banks in Kudus. It was proven by a significance value of 0.000 (p <0.05). The R-square value is 0.775, which means the contribution of the influence provided by m-banking and i-banking services to millennials Islamic financial literacy in Kudus is 77.5%, while the remaining 22.5% is influenced by other variables.

scholarly journals FINANCIAL LITERACY AND CONDITIONS FOR ITS IMPROVEMENT

2019 ◽  
Author(s):  
Novo Plakalović ◽  
Boško Mekinjić ◽  
Flora Merko ◽  
Daniela Lika
Keyword(s):  
Bosnia And Herzegovina ◽  
Financial Institutions ◽  
Financial Literacy ◽  
Institutional Capacity ◽  
Institutional Framework ◽  
National Strategy ◽  
Low Level ◽  
Financial Awareness

In this paper we explain the notion of financial literacy and its importance for citizens,financial institutions and society as a whole. Low level of financial literacy andinsufficiently organized institutional framework can create many problems forindividuals and financial institutions as a whole. In Bosnia and Herzegovina, a very smallnumber of people are financially literate. There is no strategy for raising the level offinancial literacy. Bosnia and Herzegovina is a country that, in relation to itssurroundings, at least strives to raise the level of financial awareness and literacy ofcitizens. If it is not possible to adopt a national strategy for raising the level of financialliteracy in B&H, it would be necessary to use the existing institutional capacity toincrease the level of literacy of all structures and groups of the population.

scholarly journals ОСНОВНІ ТЕНДЕНЦІЇ РИНКУ БАНКІВСЬКИХ ПОСЛУГ: КРЕДИТНИЙ ТА ДЕПОЗИТНИЙ АКЦЕНТ

2019 ◽  
pp. 412-425
Author(s):  
Maiia Fedyshyn ◽  
Artur Zhavoronok ◽  
Alla Abramova
Keyword(s):  
Financial Literacy ◽  
Rapid Development ◽  
Banking System ◽  
Stable State ◽  
The State ◽  
State Support ◽  
Investment Activity ◽  
Banking Services ◽  
Current State ◽  
Fixed Assets

The article analyzes the current state of the banking system of Ukraine, defines the peculiarities of its functioning. It is determined that in recent years, in the conditions of structural reformation of the economy in the banking services market, there have been such tendencies as: rapid development of information, including banking, technologies that allow banks to expand the range of services and products they provide; restructuring of the financial and banking sectors, characterized by the emergence of new segments; increase of financial literacy of clients. The complex of measures aimed at maintaining the stable state of domestic financial and credit institutions, timely neutralization and preventing the development of destabiliz-ing tendencies is considered: providing assistance to enterprises in the search for opportunities to obtain loans for the for-mation and modernization of fixed assets; giving the state its financial and tax policies more liberal in relation to low-profit and loss-making enterprises; expanding the scope of credit to provide businesses with fixed and current assets; creation of an actively functioning system of state support of investment activity.

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