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Theodorus Yanzens
Akademi Keuangan dan Perbankan Grha Arta Khatulistiwa
Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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Internal Locus Of Control Dan Literasi Keuangan Sebagai Prediktor Keputusan Keuangan Pribadi: Bukti Empiris Dari Kalimantan Barat Vinsensius Vinsensius; Sumitro; Theodorus Yanzens
Jurnal Ekonomi STIEP Vol. 11 No. 1 (2026): Jurnal Ekonomi STIEP (JES)
Publisher : Lembaga Penelitian Dan Pengabdian Masyarakat (LPPM) IBE Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54526/jes.v11i1.717

Abstract

Penelitian ini bertujuan menganalisis pengaruh kepribadian, toleransi risiko, dan internal locus of control terhadap keputusan keuangan pribadi di Kalimantan Barat, dengan literasi keuangan diuji sebagai variabel moderasi. Data diperoleh melalui survei kuantitatif terhadap 295 responden dan dianalisis menggunakan metode PLS-SEM. Hasil penelitian menunjukkan bahwa kepribadian dan toleransi risiko tidak berpengaruh signifikan terhadap keputusan keuangan pribadi. Sebaliknya, internal locus of control berpengaruh positif dan signifikan, sedangkan literasi keuangan memiliki pengaruh langsung yang signifikan terhadap keputusan keuangan pribadi, namun tidak terbukti memoderasi hubungan antarvariabel perilaku dengan keputusan keuangan. Temuan ini menegaskan pentingnya literasi keuangan dan internal locus of control sebagai prediktor utama dalam pengambilan keputusan keuangan, sekaligus memberikan implikasi praktis bagi pengembangan program edukasi keuangan untuk meningkatkan kualitas pengelolaan keuangan masyarakat.
Peran Fintech Lending dan Literasi Keuangan dalam Inklusi Keuangan Mahasiswa di Era Digital sumitro; Theodorus Yanzens; Paulinus Jang
Hunatech Vol. XXX, No. XXX Vol 5 No 1 (2026): Hunatech: Juni 2026
Publisher : Pusat Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59967/hunatech.v5i1.80

Abstract

This study aims to analyze the influence of fintech lending and financial literacy on students’ financial inclusion in the digital era. The research background highlights the growing use of digital financial services among students, which is not yet matched by adequate financial literacy levels. Using a quantitative approach, a survey was conducted on 150 university students in Pontianak who have experience using digital financial services. Data were analyzed through multiple linear regression using SPSS version 25. The results indicate that both fintech lending and financial literacy have a positive and significant effect on financial inclusion, individually and simultaneously. The adjusted R² value of 0.618 shows that 61.8% of the variation in financial inclusion is explained by these two variables. The study concludes that the combination of financial technology utilization and improved financial literacy plays a crucial role in expanding students’ access to financial services. These findings have implications for universities, regulators, and fintech providers in designing effective policies and sustainable financial education programs. Keywords: fintech lending, financial literacy, financial inclusion
Co-Authors Paulinus Jang Sumitro Vinsensius Vinsensius