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All Journal Multidisciplinary Indonesian Center Journal
Vionita Qatrunnada
Institut Teknologi dan Bisnis Dewantara
Religion Humanities Earth & Planetary Sciences Education Other

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THE DYNAMICS OF INTERACTION OF CULTURAL, ECONOMIC, AND SOCIAL FACTORS IN SHAPING FINANCIAL FINANCING PREFERENCES AND ENTREPRENEURIAL INTENTIONS OF FEMALE STUDENTS Zeze Zakaria Hamzah; Mujito Mujito; Dadang Junaedi; Vionita Qatrunnada
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 3 (2026): Vol. 03 No. 3 Edisi Juli 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i3.2393

Abstract

This study aims to analyze the influence of cultural, economic, and social factors on financial financing preferences and their implications for the entrepreneurial intentions of female students. Entrepreneurial intention refers to an individual's psychological readiness and commitment to start a business in the future.  This research employs a quantitative approach using a survey method by distributing questionnaires to female students as respondents. Data analysis was conducted using Structural Equation Modeling (SEM) with the AMOS program to examine the relationships among the research variables. The results indicate that social factors have the most dominant influence on financial financing preferences and entrepreneurial intentions of female students. Cultural and economic factors also show positive effects on entrepreneurial intentions, although their influence is relatively smaller than social factors. In addition, financial financing preferences also contribute to shaping students’ entrepreneurial intentions. The findings of this study are expected to contribute to the development of entrepreneurship education in higher education institutions and encourage female students to pursue entrepreneurial activities.
THE USE OF FINTECH AS A MEDIATING VARIABLE OF FINANCIAL LITERACY ON THE DIGITAL SHOPPING BEHAVIOR OF GENERATION Z UNIVERSITY STUDENTS IN INDONESIA Zeze Zakaria Hamzah; Mujito; Herman; Wahid Akbar Basudani; Vionita Qatrunnada
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 1 (2026): Vol. 3 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i1.2269

Abstract

This study examines the relationship between financial literacy, fintech usage, and digital shopping behavior among Generation Z university students in Indonesia, as well as the mediating role of fintech usage in this relationship. Data were collected from student respondents using purposive sampling and analyzed with path analysis. The results indicate that financial literacy significantly increases fintech usage, and fintech usage positively influences digital shopping behavior. The direct effect of financial literacy on digital shopping behavior becomes insignificant when fintech usage is included in the model, indicating that fintech usage fully mediates this relationship. These findings suggest that financial literacy encourages students to be more active in using fintech, and it is the intensity of fintech usage that drives their digital shopping behavior. This study highlights the importance of strengthening financial literacy and understanding financial technology to foster healthy financial behavior among students.
Co-Authors Dadang Junaedi Herman, Herman Mujito Mujito Mujito Wahid Akbar Basudani Zeze Zakaria Hamzah