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All Journal Jurnal Promosi Pendidikan Ekonomi Equilibrium EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Manajemen & Keuangan Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Riset Akuntansi dan Keuangan SEIKO : Journal of Management & Business At-Tadbir : jurnal ilmiah manajemen Sketsa Bisnis Indonesian Journal of Economics, Social, and Humanities MABIS: Manajemen dan Bisnis EVOLUSI : Jurnal Sains dan Manajemen Journal of Enterprise and Development (JED) Journal of Global Business and Management Review Jurnal Sains dan Teknologi Community Engagement and Emergence Journal (CEEJ) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Pengabdian kepada Masyarakat Nusantara Golden Ratio of Finance Management Journal Of Human And Education (JAHE) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Neraca Manajemen, Akuntansi, dan Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Masyarakat: Jurnal Pengabdian
Suprapto, Yandi
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Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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Financial Knowledge, Self-Efficacy, and Financial Well-Being: The Role of Digital Inclusion in Indonesia Hesniati, H.; Anggriani, A.; Suprapto, Yandi; Arviano, Hengky
Golden Ratio of Finance Management Vol. 6 No. 1 (2026): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i1.1779

Abstract

This research examines the role of financial knowledge and self-efficacy in shaping financial well-being, with digital financial inclusion tested as a mediating factor. Survey data were collected from 407 Indonesian respondents and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that both financial knowledge and self-efficacy significantly influence digital financial inclusion. Digital financial inclusion, in turn, positively affects financial well-being. Self-efficacy also directly improves financial well-being, whereas financial knowledge shows no direct impact. Instead, financial knowledge indirectly contributes to financial well-being through digital financial inclusion, underscoring the mediating role of digital access. This study adds to the financial behavior literature by highlighting digital financial inclusion as a crucial channel that converts capability into improved outcomes, and by showing that self-efficacy plays a stronger role than knowledge alone. The findings suggest that policies and programs should go beyond literacy campaigns to also strengthen financial confidence and digital readiness, particularly among younger groups and vulnerable communities. The study is limited by its reliance on self-reported, cross-sectional data and its focus on the Indonesian context, which may constrain causal inference and limit the generalizability of the results.
Factors Influencing E-Wallet Usage Among Generations X and Y Agustin, Isnaini Nuzula; Oskar, Franky; Suprapto, Yandi
Golden Ratio of Finance Management Vol. 6 No. 1 (2026): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i1.1783

Abstract

Digital transformation has changed people's preferences in transactions, especially in choosing e-wallet-based payment methods. Although the growth potential of e-wallets in Indonesia is quite large, the adoption rate remains below expectations among Generation X and Y, who have greater purchasing power compared to Generation Z. While younger users tend to adopt e-wallets more easily, older generations still show inconsistent usage behavior, indicating that achieving sustainable adoption remains a challenge. This study aims to analyze the factors that influence continuance intention in the use of e-wallet services among Generations X and Y in Batam City. A total of 155 respondents from both generations were involved through the distribution of online questionnaires. The sampling technique used was non-probability sampling with a purposive sampling approach. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach with the help of the SmartPLS application. The results of this study indicate that perceived security and utilitarian value significantly influence continuance intention. Meanwhile, utilitarian value and continuance intention significantly influence e-wallet usage. Additionally, continuance intention is proven to mediate the relationship between perceived security and e-wallet usage. Generation X users tend to prioritize security and personal data protection when deciding to continue using e-wallets, whereas Generation Y users focus more on convenience and functional benefits. Therefore, these findings are expected to contribute to e-wallet service providers and policymakers in designing strategies to address these generational differences to strengthen long-term adoption.
Dari Keberagaman ke Nilai: Bagaimana ESG Menghubungkan Keberagaman Gender dan Nilai Perusahaan Candy; Verawati; Suprapto, Yandi
Jurnal Manajemen dan Keuangan Vol 14 No 2 (2025): Journal Management and Finance
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v14i2.12843

Abstract

This study aims to analyze the effect of gender diversity on firm value with ESG performance as a mediating variable. The research was conducted on 65 manufacturing companies in Indonesia that implement ESG performance and have published audited financial reports from 2019 to 2023. A quantitative method was employed using purposive sampling, and data analysis was conducted using Stata 17. The results show that gender diversity has a significant effect on firm value through ESG performance as a mediator. Gender diversity has a positive influence on ESG performance, while ESG performance has a negative impact on firm value. These findings highlight the important role of ESG in bridging the relationship between gender diversity and firm value.
Co-Authors Alex Alex Angelina, Caroline Anggriani, A. Arviano, Hengky Aurellia, Angeline Bernard Bernard, Bernard Cahyati, Sri Cici Afrida Candy, Candy Chryshologus, Gilbert Cornelyanto, Edward Edwin Edwin Erick, Erick EVELYN EVELYN febriyanti febriyanti feby Felycia Fortuna, Erica Golan Hasan, Golan Hery Haryanto Hesniati, H. Hesniati, Hesniati Isnaini Nuzula Agustin Jeslyn, Jeslyn Jesslyn, Jesslyn Jolin, Jolin Joycelin, Joycelin ` Juriana, Elvi Larissa, Jesslyn Laulita, Nasar Buntu Liana, Jumi Lien, Tan Phey LINDAWATI Maitri, Badra Marliana, Selvia Eka Melinda, Rieza Novendo, Ricky Ong, Jovi Ong, Toni Oskar, Franky Putri, Ayesha Antonia Renaldi, Angelina Julia Rina Rina Shelvi, Shelvi Tokan, Agnes Doraresta Khatarina Tondy, Tondy Triana Wirawan, Ella Valentina, Eni Valentina, Sania Verawati Viviani, Viviani Wenny, Wenny Wijaya, Antonio Tantra Wijaya, Prayogo Agung Winston, Winston Wisnu Yuwono Yang, Jenny Yeo, Jacelyn Christina Yosuky, Delvian Yuki, Narumi