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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA)
Nor Norisanti
Universitas Muhammadiyah Sukabumi, Jawa Barat, Indonesia.
Economics, Econometrics & Finance

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The Effect of Financial Literacy and Digital Payment on Consumptive Behavior with Lifestyle as an Intervening Variable in Sukabumi City Students Ananda Dhea Phytaloka; Nor Norisanti; Resa Nurmala
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4805

Abstract

This study aims to analyze the effect of financial literacy and digital payment on consumptive behavior with lifestyle as a mediating variable among university students in Sukabumi City. Using quantitative approach and associative method, primary data were collected through questionnaires distributed to 240 respondents from six universities. Data analysis was conducted using Structural Equation Modeling (SEM) based on Partial Least Square (PLS) to test direct and indirect relationships between variables. The results showed that financial literacy has a significant negative effect on consumptive behavior, while digital payment has a significant positive effect on consumptive behavior. In addition, lifestyle plays a significant role in mediating the relationship between financial literacy and consumptive behavior, as well as between digital payment and consumptive behavior. Students with a good level of financial literacy tend to have better self-control in consumption, while easy access to digital payments increases consumptive tendencies. This finding shows the importance of increasing financial literacy among students to form a wiser lifestyle, in order to reduce excessive consumptive behavior triggered by digital trends. This study provides practical implications for the campus and policy makers to develop financial education programs to equip students to face economic challenges in the digital era.
The Effect of Financial Literacy, Risk Tolerance on Stock Investment Decisions through Financial Behavior as a Mediating Variable Nisa Elya Hafitri; Nor Norisanti; Sopyan Saori
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4807

Abstract

This study aims to analyze the effect of financial literacy and risk tolerance on stock investment decisions, with financial behavior as a mediating variable, on young investors who are members of the stock community on the Twitter application. Using a quantitative approach and causality associative design, this study involved 210 respondents selected through purposive sampling. Data were collected through a Likert scale-based online questionnaire and analyzed using a Structural Equation Modeling (SEM) model based on Partial Least Squares (PLS) through SmartPLS 4 software. The results showed that financial literacy has a significant positive effect on investment decisions, meaning that the higher the financial literacy, the better the investment decision. In addition, risk tolerance also has a significant positive effect, indicating that high risk tolerance encourages bolder investment decisions. Financial behavior is found to have a significant influence on investment decisions, indicating the importance of good financial behavior in improving the quality of investment decisions. Financial behavior is also proven to significantly mediate the relationship between financial literacy and risk tolerance on investment decisions, strengthening the influence of both variables. This study confirms the importance of financial literacy and positive financial behavior for young investors to improve risk analysis skills, avoid illegal investments, and maximize investment profit opportunities. The findings are expected to serve as a reference for the development of financial education and the formation of healthy financial habits among the younger generation.
The Effect of Financial Stressors, Financial Self Efficacy on Financial Satisfaction through Financial Behavior as a Mediating Variable Hadiyah; Nor Norisanti; Resa Nurmala
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4808

Abstract

This study is entitled The Effect of Financial Stressors, Financial Self-Efficacy on Financial Satisfaction through Financial Behavior as a Mediating Variable, with the object of research Gen Z in Sukabumi City. The purpose of this study is to analyze the effect of financial stressors and financial self-efficacy on financial satisfaction, with financial behavior as a mediator. The method used is quantitative approach with associative research type, involving 240 respondents selected using purposive sampling technique. Data were collected through an online questionnaire with a semantic differential scale, then analyzed using the SEM PLS method. The results showed that financial stressors have a significant negative effect on financial behavior and financial satisfaction, both directly and through financial behavior. Meanwhile, financial self-efficacy has a significant positive effect on financial behavior and financial satisfaction, both directly and indirectly. Financial behavior itself has a significant positive effect on financial satisfaction. The conclusion of this study is that financial behavior acts as an important mediator in strengthening the influence of financial self-efficacy and suppressing the negative impact of financial stressors on Gen Z financial satisfaction. This research is expected to provide new insights to improve the financial well-being of the younger generation in Sukabumi.
The Effect of Lifestyle on Financial Management: The Moderating Role of Financial Literacy among Millennial Workers in Sukabumi City Salma Khaerunnisa; Nor Norisanti; Kokom Komariah
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4816

Abstract

This study investigates the influence of lifestyle on financial management and examines the direct and moderating roles of financial literacy among millennial workers in Sukabumi City. A total of 155 respondents were selected using purposive sampling. Data analysis was conducted using path analysis with the bootstrapping method through SmartPLS 3.2.9 software. The findings reveal that lifestyle has a positive and significant effect on financial management. Similarly, financial literacy shows a positive and significant influence on financial management. Furthermore, financial literacy demonstrates a moderating effect by weakening the relationship between lifestyle and financial management, as indicated by a significant negative interaction effect. These results imply that enhancing financial literacy can help mitigate the potential adverse effects of an excessive lifestyle on financial management. This suggests the importance of integrating financial education programs into workplace development initiatives targeting millennials.
The Effect of Financial Literacy, Income Level on Financial Well-Being through Financial Behavior as a Mediating Variable Salsa Diva Ramadhani; Nor Norisanti; Resa Nurmala
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4838

Abstract

This study is entitled The Effect of Financial Literacy and Income Level on Financial Well-Being through Financial Behavior as a Mediating Variable with the research object of the Indonesian Action Figure Collector (KAFI) community. This study aims to analyze the extent to which financial literacy and income level affect financial well-being through financial behavior as an intermediate variable. The method used is quantitative with an associative design, using purposive sampling technique on 225 respondents from a total population of 18,000 KAFI members. Data were collected through observation, questionnaires, documentation, and literature study, then analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The results showed that financial literacy, income level, and financial behavior each have a significant positive effect on financial well-being. In addition, financial behavior is proven to significantly mediate the effect of financial literacy and income level on financial well-being. These findings confirm the importance of financial education not only to increase understanding, but also to encourage wise financial behavior, so that financial well-being can be achieved optimally, especially in young groups who tend to be consumptive.
Co-Authors Ananda Dhea Phytaloka Hadiyah Kokom Komariah Nisa Elya Hafitri Resa Nurmala Salma Khaerunnisa Salsa Diva Ramadhani Sopyan Saori