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All Journal INTEGRATION: Journal of Multidisciplinary Studies
Evelyn Evelyn
Universitas Kristen Petra, Surabaya, Jawa Timur, Indonesia

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Financial knowledge, skills, and attitudes as predictors of traders’ financial literacy Graziella Wiguna; Evelyn Evelyn
INTEGRATION: Journal of Multidisciplinary Studies Vol. 1 No. 2 (2026): INTEGRATION: Journal of Multidisciplinary Studies - August
Publisher : SCM PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65881/integration.v1i2.87

Abstract

Purpose: to investigate whether financial knowledge, financial skill, and financial attitude serve as significant predictors of financial literacy among traders at Gedhe Market Solo. Method: this study adopted a quantitative, cross-sectional research design. Primary data were collected through questionnaires from 113 traders at Gedhe Market Solo, selected through random sampling. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS to assess the effects of financial knowledge, financial skill, and financial attitude on financial literacy. Findings: financial knowledge, financial skill, and financial attitude significantly and positively influence financial literacy among traders. Financial knowledge was found to be the most influential factor, followed by financial attitude and financial skill. These results highlight the importance of enhancing traders’ knowledge, skills, and attitudes to improve their financial literacy. Implications: efforts to improve traders’ financial literacy should focus on strengthening financial knowledge, financial skills, and financial attitudes through targeted financial education and training programs. Originality: lies in its focus on traditional market traders at Gedhe Market Solo and its comprehensive examination of financial knowledge, financial skill, and financial attitude as predictors of financial literacy.
Co-Authors Graziella Wiguna