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All Journal JURNAL ECONOMINA Business, Management & Accounting Journal
Hafiz Abdul Samee Malik
Universiti Utara Malaysia
Economics, Econometrics & Finance Social Sciences

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The Interplay Between Money Attitudes, Financial Management Behaviour and Financial Well‑Being: The Moderator Effect of Financial Risk Tolerance Swarmilah Hariani; Swarmilah Hariani; A Fakhrorazi; Rusdi Omar; Hafiz Abdul Samee Malik; Apollo Daito
Business, Management & Accounting Journal (BISMA) Vol. 3 No. 1 (2026): BISMA Journal March 2026
Publisher : Baca Dulu Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70550/bisma.v3i1.124

Abstract

This study investigates the relationship between attitudes toward money, financial management behaviour, and financial well-being among both public and private sector lecturers in Indonesia. The aim is to understand how individuals' perceptions and attitudes toward money influence their financial management practices and, consequently, their overall financial well-being. Data were collected through a survey administered to 393 respondents, and the analysis underscores the significance of financial literacy and sound financial management behaviour. The findings reveal that attitudes toward money have a substantial and positive effect on financial management behaviour. Furthermore, financial management behaviour was found to significantly contribute to enhancing individuals' financial well-being. The study also identified attitudes toward money as an intervening variable that strengthens the relationship between financial management behaviour and financial well-being. Conversely, financial risk tolerance was not found to be a moderating factor in the relationships between attitudes toward money and financial well-being, nor between financial management behaviour and financial well-being. These results highlight the critical importance of a comprehensive understanding of attitudes toward money to better inform strategies aimed at improving individual financial management and overall financial well-being.
The Pathway To Sustainable Business Performance: Evidence From Indonesian SMEs Apollo Daito; Swarmilah Hariani; Lusia Sri Arini; Hafiz Abdul Samee Malik; Aminurraasyid Bin Yatiban
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.3754

Abstract

This study aims to examine the mediating role of green innovation in the relationship between environmental sustainability, sustainability performance, and financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Jakarta, Indonesia. Using a quantitative approach and Partial Least Squares Structural Equation Modeling (PLS-SEM), the findings indicate that environmental sustainability significantly influences green innovation, which subsequently enhances sustainability performance and financial performance. These results support the Resource-Based View (RBV) framework, which posits that environmental sustainability can generate intangible resources such as organizational knowledge and capabilities that drive green innovation as a competitive advantage. Additionally, the outcomes reinforce the Triple Bottom Line (TBL) framework, emphasizing the importance of integrating social, environmental, and economic aspects to achieve holistic organizational sustainability. Specifically, green innovation acts as a vital mediator that strengthens the positive relationship between environmental sustainability and both sustainability and financial performance. The sample consists of 198 MSMEs in Jakarta, selected through stratified and simple random sampling techniques. The findings suggest that adopting green innovation strategies is essential for fostering comprehensive sustainability transparency and improving the financial performance of MSMEs in Indonesia.
Co-Authors A Fakhrorazi Aminurraasyid Bin Yatiban Apollo Daito Lusia Sri Arini Rusdi Omar Swarmilah Hariani Swarmilah Hariani Swarmilah Hariani