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All Journal Attractive : Innovative Education Journal Paradoks : Jurnal Ilmu Ekonomi
Suyoto
Universitas Muhammadiyah Purwokerto, Indonesia
Social Sciences Other

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Integrating Digital Capability and Psychological Hardiness to Foster Sustainable Entrepreneurial Intention: Evidence from a Cross-National Indonesia–Malaysia Study Akhmad Darmawan; Fatmah Bagis; Suyoto; Ahmad Zainal bin Abd Razak
Attractive : Innovative Education Journal Vol. 7 No. 1 (2025): Attractive : Innovative Education Journal
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/aj.v7i1.1800

Abstract

The rapid diffusion of digital technologies and the imperative of sustainable economic development converge to place unprecedented demands on aspiring entrepreneurs. The cognitive and psychological pathways through which individuals translate technological competence and psychological hardiness into a firm commitment to sustainable venturing remain underexplored, particularly in cross-national ASEAN settings. This study examines how digital capability and psychological hardiness jointly shape sustainable entrepreneurial intention, with hardipreneurial self-efficacy as mediator and institutional support as moderator. Grounded in Social Cognitive Theory (Bandura, 1997; 2023) and applying PLS-SEM on N = 300 students across Indonesia and Malaysia, the findings confirm all six hypotheses. Digital capability and psychological hardiness each significantly influence hardipreneurial self-efficacy, which fully mediates both pathways to sustainable entrepreneurial intention, while institutional support significantly amplifies the efficacy–intention link. These findings advance sustainable entrepreneurship theory and generate actionable policy implications for university ecosystems and SDG-aligned entrepreneurship programs in ASEAN.
Understanding Gen Z’s Financial Management Behavior: The Mediating Role of Financial Self-Efficacy Aprilita Tri Amelika; Naelati Tubastuvi; Suyoto; Ika Yustina Rahmawati
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.2033

Abstract

This study aims to analyze the mediating role of financial self-efficacy in the relationship between financial literacy, financial attitude, and lifestyle on financial management behavior of Generation Z in Purbalingga, Indonesia. A quantitative approach was used with primary data collection through a 5-point Likert-scale questionnaire, involving 226 respondents selected through purposive sampling. Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS version 4 software. The results of this study indicate that financial literacy, financial attitude, and lifestyle have a positive and significant effect on financial self-efficacy (p < 0.05). Furthermore, financial literacy, financial attitude, lifestyle, and financial self-efficacy have a positive and significant effect on financial management behavior (p < 0.05). The model's explanatory power is considered moderate, as reflected by the adjusted R2 values of 0.715 for financial management behavior and 0.518 for financial self-efficacy. Indirect analysis shows that financial self-efficacy mediates the influence of financial literacy, financial attitude, and lifestyle on financial management behavior. These findings contribute to the development of financial management behavior literature by emphasizing the importance of financial self-efficacy as a psychological mechanism that bridges the influence of financial factors and lifestyle on financial management behavior. Future research is recommended to explore other psychological or contextual factors that may influence financial management behavior.
Co-Authors Ahmad Zainal bin Abd Razak Akhmad Darmawan Aprilita Tri Amelika Fatmah Bagis Ika Yustina Rahmawati Naelati Tubastuvi