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All Journal JURNAL MANAJEMEN MOTIVASI
Havid Enggal Prasetya
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Inklusi Keuangan dan Pembayaran Digital terhadap Perilaku Manajemen Keuangan UMKM di Semarang: Peran Mediasi Efikasi Diri Keuangan Havid Enggal Prasetya; Sukamto
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.9453

Abstract

This study examines financial self-efficacy as a mediator between financial inclusion, digital payment adoption, and financial management behavior among MSMEs in Semarang City. Survey data from 100 respondents were analyzed using PLS-SEM. Financial inclusion and digital payment adoption had no significant direct effects on financial management behavior, but both positively and significantly influenced financial self-efficacy. Financial self-efficacy positively and significantly influenced financial management behavior and mediated both relationships. These findings highlight the importance of complementing financial access and digital payment adoption with practical training that strengthens financial confidence to support better financial management. Keywords: Financial Inclusion; Digital Payment Adoption; Financial Self-Efficacy; Financial Management Behavior
Co-Authors Sukamto