Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA)
Iramani Iramani
Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia.
Economics, Econometrics & Finance

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

Found 1 Documents
Search

 1 
Testing the Determinant Model of Financial Behavior among State-Owned Enterprise Employees: The Moderating Role of Income Vebriana Eka Pravita; Iramani Iramani
Dinasti International Journal of Economics, Finance & Accounting Vol. 7 No. 3 (2026): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v7i3.7104

Abstract

Effective financial behavior has become increasingly important as employees face rising living expenses and the rapid expansion of digital financial services. This study investigates the effects of financial anxiety, financial technology, financial knowledge, and financial confidence on the financial behavior of employees at PT Kimia Farma Diagnostika, with income examined as a moderating variable. Data were collected through questionnaires from respondents selected using purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that financial anxiety has a negative effect on financial behavior, whereas financial confidence, financial knowledge, and financial technology contribute positively. In addition, income strengthens the relationship between financial technology and financial behavior as well as between financial knowledge and financial behavior. These results provide additional evidence for behavioral finance research and highlight the importance of financial education and digital financial literacy in improving employees' financial well-being.
Co-Authors Vebriana Eka Pravita