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All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Mohamad Agus Salim Monoarfa
Universitas Negeri Gorontalo, Gorontalo, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Financial Disparities Among Retail Employees: Financial Literacy, Income, Financial Behavior, and Personal Financial Planning Rizky Tanaiyo; Hais Dama; Mohamad Agus Salim Monoarfa
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.952

Abstract

This study was motivated by the suboptimal personal financial planning among Alfamart employees, despite their having a steady income and financial literacy. This study aims to analyze the influence of financial literacy and income on personal financial planning, with financial behavior as a mediating variable among Alfamart employees. The method used is a quantitative approach with Structural Equation Modeling–Partial Least Squares (SEM-PLS) analysis based on questionnaire data. The results show that financial literacy does not directly influence personal financial planning but does influence financial behavior. Income influences both financial behavior and personal financial planning, and financial behavior influences personal financial planning. Financial behavior fully mediates the relationship between financial literacy and financial planning, and partially mediates the relationship between income and financial planning. These findings confirm that financial behavior is a key factor in shaping well-directed financial planning. Keywords: financial literacy, income, financial behavior, personal financial planning, SEM-PLS, retail employees
Unlocking Micro Enterprises Potential Amid Structural Barriers: The Mediating Role of Digital Financial Capabilities on Financial Literacy and Access to Financing Afini Gusti; Hais Dama; Mohamad Agus Salim Monoarfa
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.953

Abstract

Micro businesses still face limitations in financial literacy, access to financing, and the use of financial technology that affect business performance. This study aims to analyze the influence of financial literacy and access to financing on the performance of micro businesses with digital financial capabilities as a mediating variable in micro business actors in Gorontalo City. The study used a quantitative approach using the PLS-SEM method on 150 respondents selected through purposive sampling. Data were collected through interviews using a questionnaire with a semantic differential scale of 1–7 and analyzed using SmartPLS 3. The results of the study show that financial literacy and access to financing have a positive effect on digital financial capabilities and micro business performance. Digital financial capabilities also have a positive effect on business performance and mediate the influence of financial literacy and access to financing on the performance of micro businesses. Keywords: financial literacy, access to financing, digital finance capabilities, micro business performance
Financial Disparities Among Retail Employees: Financial Literacy, Income, Financial Behavior, and Personal Financial Planning Rizky Tanaiyo; Hais Dama; Mohamad Agus Salim Monoarfa
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.952

Abstract

This study was motivated by the suboptimal personal financial planning among Alfamart employees, despite their having a steady income and financial literacy. This study aims to analyze the influence of financial literacy and income on personal financial planning, with financial behavior as a mediating variable among Alfamart employees. The method used is a quantitative approach with Structural Equation Modeling–Partial Least Squares (SEM-PLS) analysis based on questionnaire data. The results show that financial literacy does not directly influence personal financial planning but does influence financial behavior. Income influences both financial behavior and personal financial planning, and financial behavior influences personal financial planning. Financial behavior fully mediates the relationship between financial literacy and financial planning, and partially mediates the relationship between income and financial planning. These findings confirm that financial behavior is a key factor in shaping well-directed financial planning. Keywords: financial literacy, income, financial behavior, personal financial planning, SEM-PLS, retail employees
Unlocking Micro Enterprises Potential Amid Structural Barriers: The Mediating Role of Digital Financial Capabilities on Financial Literacy and Access to Financing Afini Gusti; Hais Dama; Mohamad Agus Salim Monoarfa
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.953

Abstract

Micro businesses still face limitations in financial literacy, access to financing, and the use of financial technology that affect business performance. This study aims to analyze the influence of financial literacy and access to financing on the performance of micro businesses with digital financial capabilities as a mediating variable in micro business actors in Gorontalo City. The study used a quantitative approach using the PLS-SEM method on 150 respondents selected through purposive sampling. Data were collected through interviews using a questionnaire with a semantic differential scale of 1–7 and analyzed using SmartPLS 3. The results of the study show that financial literacy and access to financing have a positive effect on digital financial capabilities and micro business performance. Digital financial capabilities also have a positive effect on business performance and mediate the influence of financial literacy and access to financing on the performance of micro businesses. Keywords: financial literacy, access to financing, digital finance capabilities, micro business performance
Co-Authors Afini Gusti Hais Dama Rizky Tanaiyo