Pemerintah telah menggulirkan Gerakan Literasi Nasional (GLN) sejak 2015. Salah satu sentra belajar di masyarakat yang mendukung GLN adalah pendirian Ceribel di Rusunawa Muara Baru, Pluit, Jakarta Utara. Tujuan kegiatan di Rusunawa Muara Baru ini adalah menggerakkan literasi baca-tulis melalui pelayanan kepada anak-anak untuk datang dan melakukan kegiatan positif dan kompetitif selama masa liburan sekolah. Selain itu, anak-anak yang berkunjung juga dimintai umpan balik terhadap kegiatan yang telah dilakukan di Taman Ceribel untuk menindaklanjuti kegiatan literasi pada masa mendatang. Kegiatan dilakukan selama Juni-Juli 2019. Selama periode itu, Ceribel melayani pengunjung selama sepuluh hari. Metode yang digunakan dalam kegiatan ini adalah pelayanan dalam peminjaman buku dan pendampingan dalam menulis, membaca, dan menggambar dalam rangka mengikuti lomba literasi. Pengamatan langsung juga dilakukan terhadap aktivitas pengunjung di Ceribel. Hasil kuesioner tentang umpan balik kegiatan disajikan dalam bentuk persentase yang ditabulasikan dan dideskripsikan. Semua responden, yang berjumlah delapan belas anak, mengakui merasakan manfaat dengan adanya Ceribel sebagai sumber belajar untuk menjadikan mereka pintar. Mereka berharap Ceribel dapat membantu mereka dalam belajar membaca dan bimbingan belajar. Waktu buka pelayanan operasional Ceribel menurut responden sebaiknya setiap hari. Mereka mengakui akan datang kembali ke Ceribel dengan mengajak teman. Disimpulkan bahwa Ceribel telah menarik perhatian anak-anak Rusunawa Muara Baru sebagai tempat bermain, belajar, dan bersosialisasi. Untuk itu, kegiatan literasi ini harus berkesinambungan agar tumbuh minat dan budaya membaca di masyarakat. Disarankan agar Ceribel memiliki sukarelawan dari warga rusun sendiri yang dapat melayani dan mengembangkan Ceribel.
This empirical study aims for examining the influence of liquidity risk on bank performance from the period 2010 to 2015 listed on Indonesia Stock Exchange. The measurement of liquidity risk will involve deposits or third-party fund, cash, and liquidity gap whereas the leverage will involve total debts to total assets as the independent variables. Meanwhile, the dependent variables of this study involve ROA and Tobin’s Q. This study was conducted under the purposive sampling method which involved 22 banks as samples. This study also used a panel data regression method and three testing models, including Common Effect Model, Fixed Effect Model, and Random Effect Model. The findings suggest a positive and significant influence of the third-party fund on ROA and Tobin’s Q. In contrast, the liquidity gap has a negative and significant influence on ROA and Tobin’s Q. Besides, the findings also suggest a positive and significant influence of cash on ROA and negatively significant on Tobin’s Q. The leverage has negative and significant influence on ROA and positively significant on Tobin’s Q.
The massive effects of the Covid-19 pandemic and continuous technological innovations are not the only ones that change people's lives; the world is now experiencing the emergence of FinTech. FinTech is a technology-based financial service that allows financial transactions to be made quickly, anywhere, and anytime. FinTech has given MSMEs advantages, from capital financing to easy transaction processes to boost MSMEs' growth. This research aims to see how the adoption of FinTech and financial literacy affect the development of Indonesia's MSMEs. Data were used online questionnaires while samples were selected using a convenience sampling technique with 125 business owners participating in this research. Data were then analyzed using the OLS regression method. Results suggest that FinTech and financial literacy positively and significantly influence the development of MSMEs. Keywords: Financial Technology, Financial Literacy, MSME Abstrak Efek terjadinya pandemi Covid19 dan inovasi teknologi yang tidak terbatas pada era digital saat ini, semakin dilengkapi dengan hadirnya FinTech. FinTech adalah layanan keuangan dengan berbasis teknologi yang memberikan kemudahan dalam bertransaksi keuangan dimanapun dan kapanpun. FinTech menjadi keunggulan tersendiri bagi UMKM, baik dari segi pembiayaan permodalan maupun kemudahan bertransaksi untuk meningkatkan perkembangan UMKM. Penelitian ini bertujuan untuk mengetahui pemanfaatan Fintech dan literasi keuangan terhadap perkembangan UMKM di Indonesia. Data dalam penelitian ini diperoleh melalui kuesioner secara online dan pengambilan sampel menggunakan teknik convenience sampling. Dengan menggunakan 125 responden pemilik usaha dan metode regresi OLS, penulis menemukan bahwa Fintech dan literasi keuangan memiliki pengaruh positif signifikan terhadap perkembangan UMKM. Kata kunci: Financial Technology, Literasi Keuangan, UMKM
The influence of digitalization has extended across industries including the financial sector. Numerous innovations for investment have been launched while financial information has now become easily accessible, raising potential for Generation Z (Gen Z) to make investment. This study aims to understand financial literacy and investment behavior of Gen Z in Jakarta, Indonesia. Data were collected using quantitative approach, particularly through adoption of online questionnaire and convenience sampling technique. The relationship between financial literacy and investment decisions was then analyzed using Structural Equation Model regression - Lisrel statistical software. Finally, it was found that financial literacy significantly influenced investment decisions of Gen Z in Jakarta.
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