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All Journal Inovbiz : Jurnal Inovasi Bisnis
Jamal Hanaffy
Mitra Bangsa University

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The Impact of Financial Technology (Fintech) and Self-Control on Financial Management among Micro Business Actors in the Depok City-West Java Jamal Hanaffy
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 2 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i2.1270

Abstract

This research aims to determine whether financial technology and self control have a significant effect on financial management among MSME actors in the Depok area. The sampling technique used is purposive sampling. Data collection was conducted using questionnaires distributed to 230 MSME actors in the Depok area. The data analysis technique uses multiple linear regression analysis. The partial t-test results show that each variable, financial technology and self control  has a positive and significant effect on financial management among MSME actors in the Depok area. Furthermore, the F-test results significantly indicate that financial technology and self control have a positive and significant effect on financial management among MSME actors in the Depok area. The R Square value is 64.6%, meaning the remaining 35.4% is influenced by other variables not studied in this research. Based on the analysis results, it is concluded that financial technology and self control impact financial management among MSME actors in the Depok City-West Java.
Financial Knowledge, Financial Attitude, and Debt Management Behavior: The Moderating Role of Home Ownership Status Jamal Hanaffy
Inovbiz: Jurnal Inovasi Bisnis Vol 14 No 1 (2026): Edition June 2026
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v14.i1.1575

Abstract

This study aims to analyze the influence of financial knowledge and financial attitude on debt management behavior among households in Bogor Regency, while examining the moderating role of home ownership status in these relationships. The research employs a quantitative approach with a cross-sectional survey design, collecting data from 200 heads of households in Bogor Regency using purposive sampling. Variables were measured using Likert scales and analyzed through descriptive statistics and hierarchical regression analysis to test the hypotheses and moderation effects. The results indicate that both financial knowledge and financial attitude have a significant positive impact on debt management behavior, with respondents generally demonstrating good financial knowledge (3.85) and debt management practices (4.01). Furthermore, home ownership status was found to moderate the influence of financial knowledge and attitudes on how individuals manage their debts, reflecting economic stability and long-term financial commitments. In conclusion, financial literacy and positive attitudes are fundamental to healthy debt management, while home ownership acts as a significant contextual factor that can strengthen these relationships. These findings suggest that financial literacy programs should be tailored based on home ownership segmentation to effectively improve household economic resilience
Green Financial Literacy and ESG Awareness to Sustainable Investment Intention: The Mediating Role of Green Trust Jamal Hanaffy
Inovbiz: Jurnal Inovasi Bisnis Vol 14 No 2 (2026): Edition December 2026
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v14.i2.1813

Abstract

This study aims to analyze the influence of Green Financial Literacy and ESG Awareness on Sustainable Investment Intention and to examine the role of Green Trust as a mediating variable among young investors in Indonesia. The study employs a quantitative approach with a cross-sectional survey design. Data were obtained through an online survey of 327 investors aged 18–40 years holding a Single Investor Identification (SID). Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4. Results indicate that Green Financial Literacy positively and significantly influences Green Trust (β = 0.348; p < 0.001), as does ESG Awareness on Green Trust (β = 0.326; p < 0.001). Green Trust emerges as the strongest direct predictor of Sustainable Investment Intention (β = 0.438; p < 0.001). Furthermore, Green Financial Literacy (β = 0.154; p = 0.004) and ESG Awareness (β = 0.142; p = 0.008) positively and significantly influence Sustainable Investment Intention directly. Green Trust also mediates the relationship between Green Financial Literacy and Sustainable Investment Intention (indirect effect = 0.152; p < 0.001) and between ESG Awareness and Sustainable Investment Intention (indirect effect = 0.143; p < 0.001). The model explains 41.2% of the variance in Green Trust and 52.7% of the variance in Sustainable Investment Intention. This study contributes to the literature by examining Green Financial Literacy as a sustainability-specific construct, identifying Green Trust as a mechanism connecting cognitive factors with sustainable investment intention, and providing empirical evidence from the context of young Indonesian investors. Findings suggest that knowledge and ESG awareness are not fully translated into investment intention without trust in the credibility of the sustainable financial ecosystem. These findings indicate that increasing sustainable investment requires a combination of strengthening green financial literacy and building trust. Financial institutions need to enhance education regarding sustainable financial products and ESG information transparency, while regulators need to strengthen ESG disclosure standardization and oversight of greenwashing practices. These efforts can strengthen investor trust and support the growth of sustainable investment in Indonesia.
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