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All Journal Bima Journal : Business, Management and Accounting Journal
Natania Ken Anniko Giamanto
International Business Management, School of Business Management, Universitas Ciputra Surabaya 
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Parental Financial Teaching and Youth Financial Literacy: The Role of Family Business Background in Indonesia I Gusti Bagus Yosia Wiryakusuma; Natania Ken Anniko Giamanto; Yemima Chelsea Kyoko Atmadja
BIMA Journal (Business, Management, & Accounting Journal) Vol. 7 No. 1 (2026)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.7.1.295-302

Abstract

Purpose: This research endeavors to examine the differences in parental financial teaching (PFT) and financial literacy (FIL) between individuals with family-business backgrounds and those without in Indonesia. Methodology: Data from 542 respondents, collected via an online questionnaire, were compared using descriptive statistics and independent t-tests. Results: The analysis showed that parental financial teaching (PFT) in family-business is higher; however, financial literacy (FIL) between the two groups is not significantly different. Findings: Research proved that a family-business environment fosters  more intensive financial socialisation. Nevertheless, this does not lead to significant differences in financial literacy. Novelty: This research integrates the financial literacy variable and parents parental pedagogical practices into a single empirical framework that accommodates differences in family backgrounds. Originality: This study's original findings in Indonesia challenge the assumption that greater parental financial teaching in family businesses automatically results in higher financial literacy. Conclusion: This research examines the difference in financial teaching and financial literacy between family-business backgrounds and non-family-business backgrounds. The results show that even though financial teaching is higher in family-business, financial literacy in the two groups is not significantly different. Type of Paper: Research paper.
Co-Authors I Gusti Bagus Yosia Wiryakusuma Yemima Chelsea Kyoko Atmadja