Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal JURNAL EKONOMI SAKTI (JES)
Siti Nurhodijah
Universitas Primagraha
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
PENGARUH FINANCIAL TECHNOLOGY DAN LITERASI KEUANGAN TERHADAP INKLUSI KEUANGAN DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL MODERASI PADA MAHASISWA Evi Herawati; Nurmala Hidayah; Satia Nurjanah; Siti Nurhodijah; Bambang Hermawan
Jurnal Ekonomi Sakti Vol 15 No 2 (2026)
Publisher : LPPM - STIE SAKTI ALAM KERINCI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36272/jes.v15i2.523

Abstract

The rapid development of Financial Technology (fintech) has transformed the way students access and utilize digital financial services, thereby increasing the importance of financial inclusion among the younger generation. This study aims to analyze the influence of Financial Technology and financial literacy on financial inclusion with locus of control as a moderating variable among students from the 2023 cohort. This study employed a quantitative approach involving 303 respondents. The data were analyzed using the Partial Least Square-Structural Equation Modeling (PLS-SEM) method. The results indicate that Financial Technology and financial literacy have a positive and significant effect on financial inclusion. In addition, locus of control was proven to moderate the relationship between Financial Technology and financial literacy on financial inclusion. These findings suggest that financial inclusion is influenced not only by technological development and financial knowledge, but also by individuals' ability to control and manage their financial behavior
Co-Authors Bambang Hermawan Evi Herawati Nurmala Hidayah Satia Nurjanah