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p-Index From 2021 - 2026
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All Journal Digital Learning, Social Science, and Life-course Studies
Suchi Fitri Yani
Universitas Islam Negeri Raden Intan Lampung
Humanities Education Environmental Science Social Sciences

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Economic Knowledge and Financial Management Practices: Self-Efficacy and AI-Supported Learning Engagement Suchi Fitri Yani; Anna Kotova
Digital Learning, Social Science, and Life-course Studies Vol. 2 No. 1 (2026): June
Publisher : WISE Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70211/disolife.v2i1.765

Abstract

Economic knowledge is widely regarded as a foundation for responsible financial behaviour, yet conceptual understanding does not necessarily translate into routine financial practice. This study examined whether economic concept knowledge was associated with everyday financial management practices among 312 undergraduate students in an AI-supported learning context, while evaluating financial self-efficacy as an indirect pathway and AI-supported learning engagement as a boundary condition. A quantitative predictive-correlational design was analysed using multiple regression, percentile-bootstrap indirect-effect estimation, and interaction analysis. Economic concept knowledge was positively associated with financial management practices (β = .435, p < .001), with the baseline model explaining 19.1% of outcome variance. A positive indirect association through financial self-efficacy was supported (indirect β = .115, 95% CI [.069, .172]), while the direct knowledge association remained significant. AI-supported learning engagement modestly strengthened the knowledge-practice association (β = .094, p = .047), and the final model explained 29.0% of variance. The findings are consistent with an account in which conceptual knowledge is more likely to be reflected in everyday practice when learners also report confidence to act and engage with AI-supported learning in an active, evaluative manner. The results motivate further longitudinal and experimental testing of financial-learning designs that combine conceptual reasoning, self-efficacy, and accountable AI use.
Co-Authors Anna Kotova