Financial Self Research Articles

The Influence of Financial Literacy and Self Control on Women's Personal Financial Management in Konawe District, Southeast Sulawesi Province

The purpose of this study was to determine the influence of financial literacy and self-control of women on their personal financial management. The study was conducted on women in Konawe Regency, Southeast Sulawesi Province. The type of data used in this study is quantitative data. The data source comes from secondary data. The population used in this study were women in Konawe Regency with various different backgrounds. The sampling method used Random Sampling. With a sample size of 100 women. The test results stated that the financial literacy variable had a positive and significant effect on women's financial management and the self-control variable had a significant positive effect on women's financial management.

Pengaruh Finansial Literacy dan Financial Self Efficacy terhadap Perilaku Belanja Online di Kota Makassar

This research aims to determine the influence of Financial Literacy and Financial Self Efficacy on Online Shopping Behavior in Makassar City (Case Study: Cash On Delivery among Shopee e-commerce users). This research is research that uses quantitative methods. The population in this study were Shopee users who used COD payments more than once. The sample in this study consisted of 100 respondents using the formula Hair et al. Data collection techniques use observation, interviews and questionnaires. The data analysis techniques used in this research are validity and reliability tests, as well as normality tests, multicollinearity tests and heteroscedasticity tests as prerequisites for classical assumption tests. And the data analysis method uses multiple linear regression analysis with the R2 test, t test, and F test. It is then processed using computer equipment via the IBM SPSS version 23.0 program. The results of this research show that financial literacy has an influence on online shopping behavior. Financial self-efficacy has no influence on online shopping behavior. And financial literacy and financial self-efficacy simultaneously or together have a significant effect on online shopping behavior.

Strategies for Increasing Self-Confidence in Financial Management Through Behavior: Predictors of Financial Prosperity of Creative Industrial Craft Exporters Malang Indonesia

The involvement of Small and Medium Industries (IKM) in the national economy gives rise to challenges, including issues with human resource capacity, ownership, financing, marketing, and several other concerns about business management, hence impeding SMEs’ access to resources. Financial conduct pertains to an individual’s approach, administration, and utilization of financial assets. This study seeks to investigate and assess the financial well-being of small and medium-sized enterprise (SME) owners in the craft industry, specifically focusing on their financial behavior and self-efficacy. The research to be conducted is explanatory. The Structural Equation Model with Sobel is employed as a mediation test analytical technique. The research findings indicate that financial self-efficacy has an impact on financial behavior. The financial conduct of small and medium enterprises (SMEs) or micro, small, and medium enterprises (MSMEs) directly impacts their financial welfare. The financial behavior of small and medium industry participants, or MSMEs, can act as a mediator in determining the impact of financial Self Efficacy on their financial well-being.

The Effect of Financial Attitudes on Financial Behavior with Financial Self-Efficacy as a Mediating Variable

Individuals need to manage and make decisions on their personal finances in order to meet their needs and have good financial behavior for good financial goals. Financial self-efficacy theory was studied to see the effect of financial attitudes on financial behavior. This study was conducted with the aim of: a) to determine the effect of financial attitudes on financial behavior in Management Students of UPN "Veteran" East Java; b) to determine the effect of Financial Self Efficacy on financial behavior in UPN "Veteran" East Java management students; c) to ascertain how Financial Self-Efficacy can act as a mediator between financial attitudes and financial behavior in UPN "Veteran" East Java management students.In this study, a Likert scale is used as a measurement tool in a quantitative approach method. This research technique is Partial Least Square (PLS). The sample was taken by random sampling technique with the number of samples determined by the slovin formula with an error rate of 10%. Data information used in the study, namely primary data and secondary data obtained from first sources specifically collected through questionnaires. The population of this study was 1639 UPN Veteran East Java Management Students from batches 2019 to 2022.

The Effect of Financial Knowledge and Financial Attitude on Financial Management Behavior of Yogyakarta Students With Financial Self Efficacy as Mediation Variable

This research aims to examine the influence of Financial Knowledge, Financial Attitude and Financial Self Efficacy on Financial Management Behavior in Postgraduate Students in Yogyakarta. The method used to determine the sample is purposive sampling, which is a technique for sampling techniques in research methods where the researcher selects research subjects based on certain predetermined criteria or objectives. Data was collected through questionnaires distributed to 250 postgraduate students in the city of Yogyakarta and analyzed using SEM PLS analysis. The research results show that Financial Knowledge, Financial Attitude and Financial Self Efficacy have a significant positive effect on Financial Management Behavior. The Financial Self Efficacy variable was found to act as a mediating variable that mediates between Financial Knowledge and Financial Attitude towards Financial Management Behavior. This means, > the higher the level of Financial Knowledge, Financial Attitude and Financial Self Efficacy, the higher the level of Financial Management Behavior in Postgraduate Students in the City of Yogyakarta.

Adoption of Digital Wallets Among Youth and its Impact on Financial Self Efficacy

Adoption of Digital Wallets Among Youth and its Impact on Financial Self Efficacy

Financial Behaviour, Financial Self Efficacy and Intention to Invest in Cryptocurrency

The Theory of Planned Behaviour is used in this study to investigate the investment intentions of young potential investors in Indonesia. As supplementary dimensions, financial self-efficacy, risk-taking proclivity, and inclination for innovation are offered. A questionnaire-based survey was utilised to collect responses from 276 potential investors, and AMOS and SPSS were used to identify correlations between the components. Financial self-efficacy appears to play a dual function in the association between personality characteristics and investment intention, according to the data. The study only looks at investing intentions, not actual investment behaviour or demographic characteristics. The findings might help financial service providers create "behavioural portfolios" based on their clients' personality attributes, fostering financial confidence in individuals. This research is one of the first efforts in the Indonesian cryptocurrency market to introduce financial self-efficacy as a dual construct within the TPB framework.

Impact of financial literacy, mental budgeting and self control on financial wellbeing: Mediating impact of investment decision making.

The topic of financial wellbeing is a current concern within the realm of personal and household finance. This study aims to examine the influence of cognitive factors, specifically financial literacy, mental budgeting, and self-control, on subjective financial wellbeing. While there exist multiple determinants of financial wellbeing, this research focuses on these particular cognitive factors. The present study aims to examine the mediating role of investment decision-making behavior in the association between cognitive factors and financial well-being. The study employed Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze the data collected from a sample of 449 Chinese university students, with the aim of assessing the empirical associations. The results indicate that financial literacy, mental budgeting, and self-control exert a favorable and noteworthy influence on an individual's financial well-being. The results indicate that individuals with a greater degree of financial literacy are more prone to achieving superior financial well-being. Moreover, individuals who practice mental budgeting, a technique that entails mentally classifying and monitoring their expenditures, demonstrate elevated levels of financial well-being. Likewise, the exercise of self-regulation is identified as a pivotal element that impacts an individual's financial wellbeing. The findings indicate that there is evidence to support the mediator, investment decision-making behavior. This mediator partially mediates the association between the independent variables, namely financial literacy, mental budgeting, and self-control, and financial well-being. The results suggest that individuals with elevated levels of financial literacy, proficient mental budgeting skills, and self-regulatory abilities are inclined towards demonstrating favorable investment decision-making conduct. Consequently, this contributes to their general financial welfare. In general, the study's theoretical implications augment the current knowledge repository, while its practical implications provide feasible perspectives for policymakers, financial institutions, and individuals to foster financial wellness and enhance financial results.

The Effect of Financial Literacy, Lifestyle, and Self Control on Women's Financial Management Behavior in Denpasar City

1. Women have an important role in financial management in a family. The tendency of women to take a role in managing finances is an important urgency for conducting studies on women's financial management behavior. Financial management behavior is important in determining a person's financial condition. Women in Denpasar City tend to behave consumptively through online shopping with a role as financial managers making financial literacy, lifestyle, and self-control a determining factor in women's financial management behavior in Denpasar City. This study aims to determine the effect of financial literacy, lifestyle, and self-control on women's financial management behavior in Denpasar City. The population in this study are women aged 25-50 years who are already working in Denpasar City in 2022, namely 424,200 thousand people. The sample used in this study was 100 people obtained using the Slovin formula. Data collection using a questionnaire. The data analysis technique used is multiple linear regression analysis. The results of the study show that financial literacy, lifestyle, and self-control have a positive and significant effect on women's financial management behavior in Denpasar City. These results indicate that the better the level of financial literacy with a high lifestyle and high self-control tends to make women show more optimal financial management behavior.

Analysis of Financial Technology, Financial Literacy, Financial Attitudes, on Mediated Business Performance Financial Inclusion and Self-Efficiency in Small Medium Industry (SMI) in Malang City, Indonesia

Purpose: This study aims to know IKM performance achieved from variable supporters including financial technology, financial literacy, and financial attitude, which is mediated by financial inclusion and self- efficacy. Theoretical framework: SMIs have an important role for local government and society in general. SMEs are one of the main contributors to creating jobs at the local level. By generating a diversification of economic activities, SMEs provide employment opportunities for the population, reduce the unemployment rate, and increase the economic welfare of the community. Design/Methodology/Approach: Research This use a sample of 335 attempts in Small Medium Industry (SMI) from 2581 businesses small town in Malang , Indonesia . The data analysis technique is Structural Equation Model (SEM) -SMART-PLS with outer model measurements obtained the loading factor value of each indicator. Findings: Research this results in direct and indirect influences between variables where Fintech has a direct influence on financial performance, financial inclusion and self-efficacy. Likewise, fintech has an indirect effect on SMI performance mediated by financial inclusion, while fintech has an indirect effect on SMI performance mediated by self-efficacy. Financial literacy has a direct effect on self-efficacy but does not have a direct effect on IKM performance mediated by financial inclusion, similarly financial literacy does not have a direct effect on SMI performance which is mediated by financial inclusion and self-efficacy. Financial attitude has a positive and significant direct effect on SME performance, financial inclusion and self-efficacy. Likewise, financial attitudes have an indirect effect on IKM performance which is mediated by financial inclusion, but financial attitudes do not have an indirect effect on SMI performance which is mediated by self-efficacy. Research, Practical & Social implications: This research is expected can give benefit for internal SMIs increase performance business, because IKM has an important role for local governments and society in general. Originality/value: This research explores SMIs which are one of the main contributors in creating employment opportunities at the local level. By generating a diversification of economic activities, SMEs provide employment opportunities for the population, reduce the unemployment rate, and increase the economic welfare of the community.

Factors Affecting The Financial Behavior of Sme’s in Yogyakarta

After the Covid-19 pandemic, there began to be an improvement in economic life, especially for MSME players, especially in the Bakpia Center, Ngampilan, Yogyakarta. The improvement in economic conditions in MSMEs is also due to the pattern of financial behavior of MSME actors. Therefore, this study aims to analyze the factors that influence Financial Behavior. This research uses quantitative methods with analytical tools using SEM PLS. The results showed that the effect of Financial Self Efficiency on Financial Behavior showed that it was not significant. Financial Literacy and Incomeintention factors in this study show a significant influence on Financial Behavior

LITERASI INVESTASI DAN FINANCIAL SELF EFFICACY TERHADAP KEPUTUSAN INVESTASI KELOMPOK STUDI PASAR MODAL SE KABUPATEN JOMBANG

Abstract This study aimed to determine the effect of Capital Market Investment Literacy and Financial Self Efficacy on the Investment Decisions of the Capital Market Study Group Investment Galleries throughout Jombang Regency Investing in the capital market that can be made by all people, especially young people. The Indonesia Stock Exchange also continues to improve capital market education among young people by opening investment galleries in universities with various educational activities and services for opening investment accounts in the capital market. This research using quantitative descriptive with purposive sampling technique in the capital market study group in Jombang. Analysis data using multiple linear regression, with the t-test, F test, and the coefficient of determination. The results shows that capital market investment literacy has a significant influence on investment decisions. Financial self-efficacy has a significant effect on investment decisions Capital market investment literacy and financial self-efficacy have a simultaneous effect on investment decisions in the capital market study group investment galleries throughout Jombang Regency. Keywords: Literacy, Self Efficacy, Decisions, Investment

Pengaruh Literasi Keuangan dan Financial Self-Efficacy terhadap Risky Credit Behaviour dalam Penggunaan PayLater

This study aims to determine the effect of Financial Literacy and Financial self efficacy on Risky credit behaviour in the usage of pay later feature. In addition, this study also aims to determine the mediating effect of Financial self-efficacy between financial literacy and risky credit behaviour. The population of this study is Indonesia Millenials and the sample of this study is residents born between 1990-2000 who have used pay later in the last 1 year. The data analysis was performed using Partial Least Square method. The results of the study indicate that objective financial literacy and subjective financial literacy have positive and significant effects on Financial self-efficacy, Financial self efficacy has negatif significant effects on risky credit behaviour, objective financial literacy and subjective financial literacy have negatif significant effects on risky credit behaviour, and Financial self-efficacy mediates the effects of subjective financial literacy and objective financial literacy on risky credit behavior.

Pengaruh Money Attitude, Financial Knowledge Dan Financial Self Efficacy, Terhadap Financial Management Behavior Mahasiswa S-1 Universitas Sebelas Maret

This study aimed to examine the effect of money attitude, financial knowledge, and financial self-efficacy on financial management behavior of undergraduate students of Sebelas Maret University. This research was a quantitative descriptive study with 395 respondents as research subjects. They were undergraduate students of Sebelas Maret University. The sampling technique was carried out using a probability sampling technique with a proportionate stratified random sampling. Data was collected through a questionnaire distributed via the Google form link. The data validity test employed the CFA technique. The data analysis used multiple regression analysis. The results obtained were as follows. First, money attitude had a positive and significant effect on the financial management behavior of undergraduate students. Second, financial knowledge had a positive and significant effect on the financial management behavior of undergraduate students.Third, financial Self Efficacy had a positive and significant effect on the financial management behavior of undergraduate student.

The Effect of Financial Literacy, Income and Self Control on Financial Behavior Generation Z (Study on Generation Z Financial Behavior in Bekasi Regency)

Financial behavior is an important thing to pay attention to, with good financial behavior a person will beable to meet his needs both from the short and long term. The purpose of this study was to determine and analyze the effect of financial literacy, income and self-control on thelimited financial behavior of generation Z. The population of this study is generation Z in Bekasi Regency. This studyused quantitative research with data collection techniques using questionnaires. The sampling technique in this study is by using urposive sampling techniques, so that the number of samples inthis study was 100 respondents. And the technique of data analysis inthis research is using Structural Equation Modelling (SEM) withthe help of SmartPLS version 4.0 for windows. The results of this study found that financial liability variables have a negative and insignificant effect on financial behavior in generation Z in Bekasi Regency, income variables have a positive and significant effect on financial behavior in generation Z in Bekasi regency.ini show that income can increase financial behavior in generation Z in Bekasi regency, where the higher a person's income level, the more Be careful about using money. In managing finances, generation Z must remember that both large and small income they have from working and investing, they still have to manage their finances well. Then the variable of self-control has a positive and significant effect on financial behavior. This means that the higher the self-control, the better the financial behavior.

Influence of Financial Skills of Group Members on Loan Repayment at Equity Bank in Nakuru County, Kenya

Just like other commercial banks, Equity Bank experiences cases of poor loan repayment. The purpose of the study is to assess the influence of the financial skills of group members on loan repayment at Equity Bank in Nakuru County. The study was informed by the social capital theory and financial self–efficiency theory. The study adopted a descriptive research design. The study's target population was 72 credit officers in the six Equity Bank Branches in Nakuru County. The study also targeted 492 chairpersons of groups that are servicing their loans in the six Equity Bank Branches. Since the target population of credit officers was manageable census technique was adopted to incorporate all the 72 targeted officers. For the group of chairpersons, the study adopted slovins' formula to get a sample of 221 groups. In addition, the study adopted stratified random sampling to get the sample of a group in each branch. The study collected primary data. Primary data was collected using questionnaires and an interview schedule. A questionnaire was used to collect primary data from the credit officers. An interview schedule was used to collect primary data from the group chairpersons. Data was collected using the drop-and-pick-later method. A pilot research was carried out at Equity Bank Nyahururu Town in Laikipia County, whereby 7 questionnaires were sent to employees in the credit department. Descriptive and inferential statistics were employed in the study. Descriptive statistics involves using proportions, frequencies, mean and standard deviation. For inferential statistics, correlation and multiple regression analysis were employed to determine the association between the dependent and the independent variables. The results of the analysis were presented in the form of tables. The study concluded that there was a statistically significant relationship between the financial skills of group members and loan repayment at Equity Bank in Nakuru County, with r=0.213 and p=0.004. The study recommended that Equity Bank should encourage their loan officer or the head of each group to have enough information on borrowers' income. This is because information on borrowers' income helps the group make decisions to help, pressure, or impose a penalty on defaulting borrower/s that ensures higher repayment performance and reduces willful defaulters.

PENGARUH PENGENDALIAN DIRI DAN LITERASI KEUANGAN TERHADAP CONSUMPTIVE BEHAVIOUR PADA GENERASI MILENIAL DENGAN LIFESTYLE SEBAGAI VARIABEL INTERVENING

The consumptive phenomenon often occurs in the millennial generation of behavior, most of which tend to be extravagant. Consumptive behavior is influenced by several external and internal factors. These factors consist of Financial Literacy, Self Control, and Lifestyle. The purpose of the preparation of this thesis is to find out how influential Financial Literacy and Self-Control on consumer behavior in the millennial generation with Lifestyle as an intervention variable with the object of research on Longrich factory employees, Cirebon Regency. The method used in this research is descriptive method (describes) the results of the research obtained by direct observation, interviews and distributing questionnaires directly or through google forms to samples of Longrich factory employees. There is a significant influence on each variable regarding the effect of financial literacy, and self-control on the consumptive behavior of the millennial generation with lifestyle as an intervention variable.

Pengaruh Literasi Keuangan, Motivasi, dan Percaya Diri terhadap Keputusan Investasi bagi Mahasiswa

Communities allocate the money they have into consumption, savings and investment. Investment is one way of allocating finances for future profits. Making this investment is a way for someone to learn independently in allocating their finances. Investment decisions are influenced by various factors. This research will look at the effect of financial literacy, motivation and self confidence on investment decisions in college students. The sampling criteria is university student in Semarang and have investment in the form of savings, gold or something else. The number of respondents studied was 109 students. Data processing using SEM PLS. The results obtained are financial literacy and self confidence have a positive and significant effect, but the motivational variable has no significant effect.

Pengaruh Financial Literacy, Financial Technology, Financial Self-Efficacy, Income, Life Style, dan Emotional Intelligence terhadap Financial Management Bahavior pada Remaja di Kabupaten Ponorogo

This study uses a quantitative type research with the aim of determine the effect of financial literacy,financial technology, financial self efficacy, income, life style, emotional intelligence on financial management behavior. The subject for this research population were Teenagers at Ponorogo Regency. There is 2020 respondent as the sample of this research using nonprobability purposive sampling. There are 220 respondents as the research sample obtained through non-probability sampling, purposive sampling. Data analysis using descriptive quantitative type with of SPSS 25 application to calculate the analysis. This research result indicate that financial literacy, financial technology, financial self-efficacy, income, life style, and emotional intelligence has significant positive effect on financial management behavior.

ROLE OF FINANCIAL BEHAVIOR IN MEDIATION THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL SELF EFFICACY ON FINANCIAL WILL BEING

The purpose of this study is to review the factors that influence Financial Well Being including Financial Literacy, Financial Self Efficacy, Financial Behavior. This study uses SEM data analysis with a sample of 99. Based on the results of data processing, it shows that Financial Self Efficacy on Financial Behavior, Financial Self Efficacy on Financial Will Being and Financial Behavior on Financial Will Being. Meanwhile, Financial Literacy is stated to have no significant effect on Financial Behavior. and Financial Literacy has no significant effect on Financial Will Being. Related to mediation shows that financial behavior cannot mediate Financial Literacy and financial self-efficacy towards Financial Will Being