The purpose of this study was to analyze the effect financial literacy and technology toward behavior. This type research is explanatory using a sample 389 undergraduate students at UIN Maulana Malik Ibrahim Malang from 2018-2021 class. We collected data through an online questionnaire (google form) analyzed it SEM-PLS with help SmartPLS 3 software. results indicates that had positive significa...

Several years ago, when panelist Mike Gion, senior vice president for Brookwood Group's Southwestern Operations, tried outsourcing, his bank employer was embarking on a cost savings initiative. With outsourcing a new concept and not really understood, he did a two-year study to find one service provider for all the skills needed. At the end of the study, his employer decided not to outsource. D...

Seeing a need to refresh the current guidelines, the Financial Accounting Standards Board (FASB) proposed an update to the financial accounting and reporting model for not-for-profit entities. In a response to solicited feedback, the board is now revisiting its proposed update and has set forth a plan to finalize its new guidelines. The FASB continues to solicit and respond to feedback as the p...

 The percentage of workers confident about having enough money for a comfortable retirement is essentially unchanged from the record lows observed in 2011. While more than half express some level of confidence (13 percent are very confident and 38 percent are somewhat confident), 28 percent are not at all confident (up from 23 percent in 2012 but statistically equivalent to 27 percent in 2011)...

Proof. The proof will show that any strategy that results in both spouses going to the bank cannot be optimal. Note that if the second mover saves in account a, she will always save so that u′ (c1) = RaδBu (c2) (and must therefore only be saving at interest rate Ra). Now consider the options of the first mover. First suppose the second mover only deposits savings in the joint account. Then the ...

We ask how the potential benefits from cross-border asset trade are affected by the presence of non-traded income risk in incomplete markets. We show that the mean consumption growth may be lower with full integration than in financial autarky. This can occur because: the hedging demand for risky high-return projects may fall as the investment opportunity set increases, and precautionary saving...

This paper examines the effects of financial reporting on corporate innovation. After controlling for other determinants of corporate innovation, I find that firms with higher-quality financial reporting exhibit greater innovation. I show that the relation between financial reporting quality and innovation is more pronounced for firms that have greater growth opportunities, those that operate i...