KEYWORDS: Analytical research, Internet, Data processing, Linear regression, Industry, Amplifiers, 3D modeling, Systems modeling, Statistical analysis, Standards development
Currently, there are many online loans in Indonesia because they are very helpful in economic difficulties and are easy to do, especially for the millennial generation. But in the other hand, with the rise of online loans, there are also many individuals who take advantage of the situation by making illegal loan services. This research was conducted to find how financial technology, financial literacy, and income relate to online loans for the millennial generation in Indonesia. The purpose of this research is to determine the effect of how financial technology, financial literacy, and income relate to online loans for the millennial generation in Indonesia in partially and simultaneously. This study uses a quantitative method with a descriptive research type. The sample collection used the nonprobability sampling method and the number of respondents was 400 millennials aged 24-39 years old who used online loans. The analysis technique used is descriptive analysis and multiple linear regression. The result showed that in the descriptive analysis of financial technology 77,71% was included in the good category, 77,7% financial literacy was included in the good category, 82,9% income was included in the good category, and for the online loans 78,72% included in the good category. Partially, financial technology financial literacy, and income have significant effect on online loans for the millennial generation in Indonesia. Simultaneously, there is a significant influence of the financial technology, financial literacy, and income variables on online loans for the millennial generation in Indonesia.
KEYWORDS: Analytical research, Mouth, Data processing, Web 2.0 technologies, Skin, Reliability, Raw materials, Data modeling, Surface conduction electron emitter displays, Statistical analysis
MSMEs going up class means that their business can grow and of course be accompanied by increased productivity. It's not enough that they also have to have increasing competitiveness so that they have the potential to reach higher levels. If initially it was only a micro business and then it grew into a small business, then it increased to a medium business and finally it could become a big business. This study aims to study the influence of company reputation and risk management on company value with creativity and innovation of interneming variables in companies belonging to small and medium enterprises (MSMEs) that have the potential to become international-scale companies, where the company is CV Gammara Jaya Mondial. The research method used is descriptive analytic survey method with the number of samples as company stakeholders as respondents. The measured characteristics of each respondent are entrepreneurial creativity, entrepreneurial innovation, and firm value. The type of data collected from primary data. The results of the study found that company reputation and risk management had a significant effect on firm value, creativity had a significant effect on firm value, innovation had a significant effect on firm value, creativity and innovation had a significant effect on firm value directly or indirectly, for that it is necessary to do further research based on more varied sampling and longer duration, so that generalizable results are obtained.
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