Article Per Year (5 Year)
p-Index From 2021 - 2026
0.562
P-Index
This Author published in this journals
All Journal West Science Journal Economic and Entrepreneurship West Science Interdisciplinary Studies West Science Interdisciplinary Studies
Martha Racwel Patty
University of Pattimura
Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
From Access to Behavior: How Digital Financial Inclusion Shapes Sustainable Financial Practices via Cognitive Financial Framing among Coastal MSMEs Martha Racwel Patty
West Science Journal Economic and Entrepreneurship Vol. 4 No. 02 (2026): West Science Journal Economic and Entrepreneurship
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsjee.v4i02.2830

Abstract

This study examines how digital financial inclusion influences sustainable financial practices through cognitive financial framing among coastal MSMEs in Maluku. Although access to digital financial services has expanded significantly, many MSMEs still struggle to translate this access into disciplined and long-term financial behavior. This research adopts a quantitative explanatory approach using data from 342 respondents and analyzes the relationships using SEM-PLS. The findings reveal that digital financial inclusion has a significant positive effect on cognitive financial framing, which in turn strongly influences sustainable financial practices. While digital financial inclusion also directly affects financial behavior, its impact is weaker compared to the indirect effect through cognitive mechanisms. These results indicate that access alone is insufficient to drive behavioral change without adequate cognitive capacity in managing financial resources. The study highlights the importance of integrating behavioral finance perspectives, particularly the Behavioral Life-Cycle Hypothesis, to explain how financial decisions are shaped over time. The findings provide both theoretical and practical implications for designing more effective financial inclusion policies.
Effect of Village Fund Financial Management on Financial Performance: Mediating Role of Community Participation Martha Racwel Patty
West Science Interdisciplinary Studies Vol. 4 No. 04 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i04.2803

Abstract

Village fund management is a crucial factor in determining village financial performance, but empirical findings related to this relationship still show inconsistent results, particularly regarding the role of community participation. This study aims to analyze the effect of Village Fund financial management on village financial performance by considering the mediating role of community participation. The study uses a quantitative approach with an explanatory research design and was conducted in 19 villages in Taniwel Subdistrict, West Seram Regency. Primary data were collected through structured questionnaires administered to village officials directly involved in village financial management and analyzed using Partial Least Squares (PLS)-based Structural Equation Modeling (SEM). The results show that Village Fund financial management has a positive and significant effect on village financial performance. In addition, transparent and accountable financial management has been shown to significantly increase community participation. Community participation also has a positive effect on village financial performance and acts as a mediating variable that strengthens the influence of financial management on village financial performance. These findings confirm that improving village financial performance requires synergy between the quality of financial management and active community involvement, especially in the context of villages in Taniwel Subdistrict.
Effect of Village Fund Financial Management on Financial Performance: Mediating Role of Community Participation Martha Racwel Patty
West Science Interdisciplinary Studies Vol. 4 No. 04 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i04.2803

Abstract

Village fund management is a crucial factor in determining village financial performance, but empirical findings related to this relationship still show inconsistent results, particularly regarding the role of community participation. This study aims to analyze the effect of Village Fund financial management on village financial performance by considering the mediating role of community participation. The study uses a quantitative approach with an explanatory research design and was conducted in 19 villages in Taniwel Subdistrict, West Seram Regency. Primary data were collected through structured questionnaires administered to village officials directly involved in village financial management and analyzed using Partial Least Squares (PLS)-based Structural Equation Modeling (SEM). The results show that Village Fund financial management has a positive and significant effect on village financial performance. In addition, transparent and accountable financial management has been shown to significantly increase community participation. Community participation also has a positive effect on village financial performance and acts as a mediating variable that strengthens the influence of financial management on village financial performance. These findings confirm that improving village financial performance requires synergy between the quality of financial management and active community involvement, especially in the context of villages in Taniwel Subdistrict.
Co-Authors