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All Journal Indonesian Journal of Taxation and Accounting Journal of Economic Education and Entrepreneurship Studies
Nuryamin Budi
Universitas Halu Oleo, Indonesia
Economics, Econometrics & Finance Social Sciences Other

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Financial Behavior in Banking: A Systematic Review with Structured Thematic Synthesis of Risk-Taking and Bank Performance Nuryamin Budi; Wa Ode Nella Arnianti; Ninar Pratiwi; Sri Asyuningsih; Ardian Dasaly; Ovaldin
Indonesian Journal of Taxation and Accounting Vol 4, No 2 (2026): June 2026
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ijota.v4i2.495

Abstract

Purpose - This study reviews the relationship between institutional financial behavior and bank performance. Financial behavior is reflected in risk-taking, capital behavior, income diversification, governance-related behavior, and liquidity management. Methods - The study applies a systematic literature review based on PRISMA 2020. From 368 Scopus records, 80 full-text articles were screened. After eligibility assessment, 17 empirical studies were retained for thematic synthesis, with 8 studies highlighted for detailed comparison. Findings - The review finds that institutional financial behavior significantly affects bank performance, but the effects are heterogeneous. Capital behavior tends to improve stability, although it may reduce profitability. Governance-related behavior supports efficiency and risk control. Income diversification generally strengthens profitability and stability, especially during crisis periods. Liquidity behavior may improve returns but can also increase risk exposure. Research Implications - The findings suggest the need for more consistent measurement and stronger integrated frameworks in banking research. They also help managers and regulators balance profitability, stability, governance, and risk management. Originality - This study positions institutional financial behavior as an overarching construct linking capital decisions, risk-taking, governance oversight, liquidity management, prudential reporting, and bank performance assessment.
The Role Of Economics and Enterpreneurship Education On Students' Financial Behavior: A Systematic Literature Review Nuryamin Budi; Vina Mustika Sidiq; Muhammad Ilyas Hamzah; Wa Ode Sitti Liliyani; Syarifah Ni’mah; Intan Nadya Shafwah
Journal of Economic Education and Entrepreneurship Studies Vol. 7 No. 2 (2026)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v7i2.151

Abstract

This study aims to synthesize recent empirical evidence on the role of economics, entrepreneurship, and financial education in shaping students’ financial behavior, with particular attention to psychological mechanisms and behavioral biases. A systematic literature review was conducted using the PRISMA 2020 framework. Scopus-indexed empirical articles published between 2020 and 2025 were identified and screened according to explicit eligibility criteria. The synthesis focused on educational interventions, financial literacy, financial behavior, self-control, financial self-efficacy, overconfidence, and herding behavior. The review indicates that educational interventions can improve financial knowledge, but behavioral change is not always automatic. Financial behavior is more consistently strengthened when financial literacy is supported by self-control, self-efficacy, locus of control, and awareness of cognitive biases. Contextual factors such as gender, family background, peer influence, and digital environments also shape the effectiveness of education. The review is limited by its reliance on Scopus, the heterogeneity of included studies, and the dominance of cross-sectional designs. This study contributes by integrating economics and entrepreneurship education with behavioral finance mechanisms to explain the knowledge-action gap in students’ financial behavior.
Co-Authors Ardian Dasaly Intan Nadya Shafwah Muhammad Ilyas Hamzah Ninar Pratiwi Ovaldin Sri Asyuningsih Syarifah Ni’mah Vina Mustika Sidiq Wa Ode Nella Arnianti Wa Ode Sitti Liliyani