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All Journal Enrichment : Journal of Management Journal of Multidisciplinary Academic Business Studies
Eka Desy Purnama
Krida Wacana Christian University, Indonesia
Economics, Econometrics & Finance

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The effect of financial literacy, financial experience, financial self-efficacy on consumption behavior with financial technology as a mediating variable in the millennial generation Febrina Jayanti Girsang; Eka Desy Purnama
Journal of Multidisciplinary Academic Business Studies Vol. 2 No. 2 (2025): February
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomabs.v2i2.2695

Abstract

Purpose: This study aims to examine the influence of financial literacy, financial experience, and financial self-efficacy on consumption behavior with financial technology as a mediating variable in the millennial generation. Research Methodology: A quantitative approach was applied using purposive sampling of 200 active e-commerce users aged 29–44 years with prior FinTech experience. Data were collected through online questionnaires and analyzed using the WarpPLS structural equation modeling. Validity, reliability, and hypothesis testing were conducted using SmartPLS 3.0. Results: The findings show that financial literacy, financial experience, and financial self-efficacy each have a significant positive effect on consumption behavior. Financial self-efficacy had the strongest direct effect. Mediation testing revealed that FinTech significantly mediated the relationship between financial self-efficacy and consumption behavior, but did not significantly mediate financial literacy or financial experience. The model explains 77% of the variance in consumption behavior and 72% through fintech mediation. Conclusions: Millennials’ financial behavior is mainly driven by self-efficacy, with fintech enhancing this effect, while its role in mediating financial literacy and experience remains limited. Limitations: The study is restricted to millennials in Indonesia and e-commerce contexts, with cross-sectional data that limit causal inference Contribution: This study highlights financial self-efficacy as the main driver of responsible consumption in the fintech era and provides insights into designing programs that combine literacy, experience, and confidence building.
The influence of competence, work motivation, and workload on employee performance with job satisfaction as a mediating variable on operation employees at pt. wom finance Rina Mayangsari; Eka Desy Purnama
Enrichment : Journal of Management Vol. 16 No. 3 (2026): August: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v16i3.2517

Abstract

This study aims to examine the influence of Competence, Work Motivation, and Workload on Employee Performance with Job Satisfaction as a Mediating Variable on Operational Employees at PT. WOM Finance. This study uses a quantitative approach with 268 customer respondents. Data analysis was carried out using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the help of the SmartPLS 4 application. The results of the study indicate that Work Competence (X1) has a positive and significant influence on Job Satisfaction (Z), Work Competence also has a positive and significant influence on Employee Performance (Y), Work Motivation Variable (X2) has a positive and significant influence on Job Satisfaction (Z). In addition, Work Motivation also has a positive and significant influence on Employee Performance (Y). Furthermore, Workload (X3) has a negative and insignificant influence on Job Satisfaction (Z). Job Satisfaction Variable (Z) has a positive and significant influence on Employee Performance (Y). Work Competence (X1) has an indirect influence on Employee Performance (Y) through Job Satisfaction (Z), Work Motivation (X2) also has an indirect influence on Employee Performance (Y) through Job Satisfaction (Z). Furthermore, Workload (X3) has an indirect influence on Employee Performance (Y).
Co-Authors Febrina Jayanti Girsang Rina Mayangsari