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All Journal International Journal of Business and Quality Research
Andi Caezar To Tadampali
Prodi Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Makassar
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect Of Financial Literacy, Self-Management And Use Of Financial Technology On Financial Readiness Through Self-Competency As An Intervening Variable On Students Of The Faculty Of Economics And Business, State University Of Makassar Muliana; Syamsu Rijal; Ika Wisudawaty; Nurjannah; Andi Caezar To Tadampali
International Journal of Business and Quality Research Vol. 4 No. 02 (2026): April-June, International Journal of Business and Quality Research (IJBQR)
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v4i02.4432

Abstract

The purpose of this study was to understand the influence of financial literacy, self-management, and the use of financial technology on financial readiness, with self-competence acting as an intervening variable in students at the Faculty of Economics and Business, Makassar State University. The approach used was quantitative with a descriptive research type. The study population included 2,550 active students from the 2022 and 2023 intakes at the faculty, with a sample of 346 respondents. Data were collected through a structured questionnaire and analyzed using the Partial Least Square–Structural Equation Modeling (PLS-SEM) method. The results showed that financial literacy, self-management, and the use of financial technology had a positive and significant influence on students' self-competence, which in turn was shown to have a positive and significant influence on their financial readiness. Self-competence was shown to act as a significant intervening variable in the relationship between financial literacy, self-management, and the use of financial technology on students' financial readiness.
Co-Authors Ika Wisudawaty Muliana Nurjannah Syamsu Rijal