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All Journal Economic and Business Horizon
Naina Sabrina Ridya
Institut Pertanian Bogor, Indonesia
Economics, Econometrics & Finance

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Financial Literacy and Locus of Control on Financial Management among Beneficiaries of the Sumantri Berseri CSR Program Naina Sabrina Ridya; Farida Ratna Dewi; Eka Dasra Viana; Risky Tri Listirta
Economic and Business Horizon Vol. 5 No. 4 (2026): July
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.5.4.2026.1425

Abstract

The quality of financial management among rural communities remains low, particularly due to limited financial and digital financial literacy amidst the rapid growth of digital financial services. This study aims to analyze the influence of financial literacy, digital financial literacy, and locus of control on the financial management practices of residents. A quantitative approach was employed, utilizing simple random sampling to select 100 respondents. Data were collected via offline questionnaires and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS software. The results indicate that both financial literacy and digital financial literacy have a positive and significant impact on financial management, whereas locus of control does not have a significant effect. Financial literacy exerts the most dominant influence on enhancing the community’s financial management capabilities. Furthermore, the community’s financial literacy level is classified as “sufficiently literate,” while digital financial literacy falls into the “insufficiently literate” category. The study concludes that improving the quality of community financial management is more effectively achieved by strengthening education on financial and digital financial literacy rather than relying solely on psychological approaches.
Co-Authors Eka Dasra Viana Farida Ratna Dewi Risky Tri Listirta