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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi
Wiranata, Garnet Dana
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Consumer Financial Behavior: Mediating Role of Risk Tolerance and Moderating Role of Emotional Intelligence Wiranata, Garnet Dana; Balqiah, T. Ezni
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 13 No 2 (2026): September
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v13i2.63194

Abstract

This study examines the influence of psycho-social factors (e.g., trust, family financial socialization) and cognitive factors (e.g., financial literacy) on financial risk tolerance and consumer financial behavior. It also investigates financial risk tolerance as a mediator on specific pathways (especially trust and family financial socialization) as well as emotional intelligence as a moderator that influences the power of financial literacy influence on risk tolerance and behavior. Using a survey of 349 respondents who were deliberately sampled to test a series of hypotheses, the data was analyzed through Structural Equation Modeling-Partial Least Squares (SEM-PLS). Results showed trust and family socialization significantly affected risk tolerance, while financial literacy, threats, deliberative thinking, and optimism did not. Financial literacy, family socialization, and risk tolerance directly affect behavior. Risk tolerance mediates the effects of trust and socialization on behavior, and emotional intelligence moderates (in a negative direction) the impact of literacy.
Co-Authors Balqiah, T. Ezni